Ever wondered how your bank, the Internet, ATM machines validate your cards? Well, it's not rocket science. It's pretty basic and now let me explain with an example.

Example Card Number: 4417 1234 5678 9113

The First Digit: this is the Major Industry Identifier. It designates the category of entity which issued the card.

• 1 & 2 are Airlines
• 3 is Travel and Entertainment
• 4 & 5 are Banking and Financial
• 6 is Merchandising and Banking
• 7 is Petroleum
• 8 is Telecommunication
• 9 is a National assignment

The First Six Digits: these are the Issuer Identification Number. It will identify the institution that issued the card.

Visa: 4xxxxx
MasterCard: 51xxxx – 55xxxx
Discover: 6011xx, 644xxx, 65xxxx
Amex: 34xxxx, 37xxxx

Cards can be looked up by their IIN. A card that starts with 376211 is a Singapore Airline Krisflyer American Express Gold Card. 529962 designates a pre-paid Much-Music MasterCard.

The Seventh & Following Digits: excluding the final digit, these are the persons account number. This leaves a trillion possible combinations.

The Final Digit: this is the check digit or checksum. It is used to validate the credit card number using the Luhn algorithm https://en.m.wikipedia.org/wiki/Luhn_algorithm .

How To Validate A Credit Card With Your Mind
• Take the credit card number(let's use the example above).
4417 1234 5678 9113
• Double every other digit from the right.
(4x2)4(1x2)7 (1x2)2(3x2)4 (5x2)6(7x2)8 (9x2)1(1x2)3
• Add these to the undoubled digits
8+4+2+7 + 2+2+6+4 + 1+0+6+1+4+8 + 1+8+1+2+3 = 70
• If the final sum is divisible by 10, then the credit card number is valid. If it's not divisible by 10, the number is invalid or fake. Try it and see.

Maybe the guy below has something to say.

hobyner:
Ever wondered how your bank, the Internet, ATM machines validate your cards? Well, it's not rocket science. It's pretty basic and now let me explain with an example.

Example Card Number: 4417 1234 5678 9113

The First Digit: this is the Major Industry Identifier. It designates the category of entity which issued the card.

• 1 & 2 are Airlines
• 3 is Travel and Entertainment
• 4 & 5 are Banking and Financial
• 6 is Merchandising and Banking
• 7 is Petroleum
• 8 is Telecommunication
• 9 is a National assignment

The First Six Digits: these are the Issuer Identification Number. It will identify the institution that issued the card.

Visa: 4xxxxx
MasterCard: 51xxxx – 55xxxx
Discover: 6011xx, 644xxx, 65xxxx
Amex: 34xxxx, 37xxxx

Cards can be looked up by their IIN. A card that starts with 376211 is a Singapore Airline Krisflyer American Express Gold Card. 529962 designates a pre-paid Much-Music MasterCard.

The Seventh & Following Digits: excluding the final digit, these are the persons account number. This leaves a trillion possible combinations.

The Final Digit: this is the check digit or checksum. It is used to validate the credit card number using the Luhn algorithm https://en.m.wikipedia.org/wiki/Luhn_algorithm .

How To Validate A Credit Card With Your Mind
• Take the credit card number(let's use the example above).
4417 1234 5678 9113
• Double every other digit from the right.
(4x2)4(1x2)7 (1x2)2(3x2)4 (5x2)6(7x2)8 (9x2)1(1x2)3
• Add these to the undoubled digits
8+4+2+7 + 2+2+6+4 + 1+0+6+1+4+8 + 1+8+1+2+3 = 70
• If the final sum is divisible by 10, then the credit card number is valid. If it's not divisible by 10, the number is invalid or fake. Try it and see.

This is lovely.
Please where can I read up more on this ?

Cool

Page saved for future reference...

Well I don't need to cram these things, my payment processor (PayStack) validates card numbers, Security and expiry date right from my android app before initializing payment

SilverG33k:
Page saved for future reference...

Well I don't need to cram these things, my payment processor (PayStack) validates card numbers, Security and expiry date right from my android app before initializing payment

Pls can I how can I use paystack without a register company

samueltoski:

Pls can I how can I use paystack without a register company

Sorry, you just have to register either a business name or a company.... Business name cost 11000naira only and you can DIY.

You'll need a lot more money to register a company and also a lawyer for company registration.

Guitarlife:


This is lovely.
Please where can I read up more on this ?

Original post and similar posts are on my site https://drag.com.ng/2017/09/21/cracking-the-credit-card-code/