Saturday, 16 June 2012

Reading Credit Card Numbers


Have you ever tried to figure out what a credit card number represent or if there is any way to figure out if number itself is correct. You surely cant check the validity of credit card just by number, but can  figure out if credit card number is valid or not.





4
4
1
7
First Char is industry specific
1,2 – Airlines
3 – Travel
4,5 – Banking
6 – Merchandizing
7 – petroleum
8 – Telecom
9 – National Assignment

First 6 Digits are Issuer identification number
VISA – 4*****
MasterCard – 51**** - 55****
Amex – 34****, 37****

1
2
3
4



First 6 Digits are Issuer identification number
VISA – 4*****
MasterCard – 51**** - 55****
Amex – 34****, 37****
7th Digit to 15th Digit are personal identification number

5
6
7
8
7th Digit to 15th Digit are personal identification number

9
1
1
2
7th Digit to 15th Digit are personal identification number
Final digit is checksum for Luhn Algorithm

Card Number Validation

4
4
1
7
1
2
3
4
5
6
7
8
9
1
1
3

Double every alternate digit

8

2

2

6

10

14

18

2

Add these digits to undobled digits. But here 14 becomes, 1+4 similary 10 becomes 1+ 0 and 18 become 1+8

4

7

2

4

6

8

1

3

Total = 8+4+2+7+2+2+6+4+1+0+6+1+4+8+1+8+1+2+3 = 70
If this number divisible by 10, means credit card number is correct.

So if you are creating application that needs to validate credit card numbers, use above logic.

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