Credit Card Validator
Validate a credit card number for all of the popular credit card companies using two different popular methods. First is the Luhn Algorithm that gets the proper checksum for the card, the second method is the Bin Number Checker.
BIN Number Info
The first six digit number on a bank card is know as the Bank Identification Number (BIN) which identifies the location of the bank that issued the card, while the latter portion identifies the specific name of the bank. BINs are traditionally used by online Merchants as a way to detect fraud by matching the geographic area where the cardholder is located to the geographic area identified in the Bank Identification Number. The term Issuer Identification Number (IIN) and Interbank Card Association Number (ICA) also refer to this same collection of numbers.
Interactive example of how we did the validation above using Luhn formula.
As an example since you have not tried to validate a credit card yet we will use 214923715183740 as the test number to demonstrate how to use Luhn's formula.
|Double every other||2||2||4||18||2||6||7||2||5||2||8||6||7||8||x|
|Sum of digits||2||2||4||9||2||6||7||2||5||2||8||6||7||8||=70|
The check digit (x) is obtained by computing the sum of digits then computing 9 times that value modulo 10 (so that's: (70 * 9 mod 10)). In summary:
- Compute the sum of the digits (70).
- Multiply by 9 (630).
- Take the last digit (0).
- The result is your check digit.
Significance of First Digit
The left most digit on the card has a lot more meaning than what you may think. The table below outlines what the number means in the larger scheme of things.
|First Card Digit||Industry Category|
|0||ISO/TC 68 and Other Industry Assignments|
|2||Airlines and Other Industry Assignments|
|3||Travel and Entertainment|
|4||Banking and Financial|
|5||Banking and Financial|
|6||Merchandising and Banking|
|8||Telecommunications and Other Industry Assignments|
Credit Card Break Down by Issuer
Each card company is allotted a set number of prefixes they are allowed to use to generate their card numbers. You can think of these prefixes as being similar to area codes within a phone number. Each area code can tell you the state or province based on the first three digits of a ten digit phone number. The same can be done with the credit card prefix.
|Card||Digits||Security / Length||Card Prefix|
|American Express||15||CID / 4||34, 37|
|Diners Club - Carte Blanche||14||CVV / 3||300, 301, 302, 303, 304, 305|
|Diners Club - International||14||CVV / 3||36, 38|
|Diners Club - USA & Canada||16||CVV / 3||54|
|Discover||16||CID / 3||6011, 644, 645, 646, 647, 647, 649, 65|
|enRoute||15||CVV / 3||2014, 2149|
|InstaPayment||16||CVV / 3||637, 638, 639|
|JCB Co Inc (15 digit)||15||CVV / 3||1800, 2100|
|JCB Co Inc (16 digit)||16||CVV / 3||3088, 3096, 3112, 3158, 3337, 3528|
|Laser (16 digit)||16||CVV / 3||6304, 6706, 6709, 6771|
|Laser (17 digit)||17||CVV / 3||6304, 6706, 6709, 6771|
|Laser (18 digit)||18||CVV / 3||6304, 6706, 6709, 6771|
|Laser (19 digit)||19||CVV / 3||6304, 6706, 6709, 6771|
|MasterCard||16||CVC2 / 3||51, 52, 53, 54, 55|
|Visa (13 digit)||13||CVV2 / 3||4, 40240071, 4485, 4532, 4539, 4556, 4716, 4916, 4929|
|Visa (16 digit)||16||CVV2 / 3||4, 40240071, 4485, 4532, 4539, 4556, 4716, 4916, 4929|
|Visa Electron||16||CVV / 3||4026, 417500, 4508, 4844, 4913, 4917|
|Voyager||15||CVV / 3||8699|
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