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The Credit Card Number Validator leverages the Luhn Algorithm for determining the mathematical validity of card numbers, making it easy to identify typical errors in credit card number input. The Luhn Algorithm doubles the value of every second digit starting from the rightmost digit. If this doubling results in a two-digit number, the digits of that number are added together to produce a single digit. After all the digits are summed up, if the total is a multiple of 10, the card number is deemed valid.
Besides the Luhn check, this validator also deciphers the card number's structure. Credit card numbers contain distinct segments indicating the card issuer's industry, the identity of the issuer, the individual account associated with the card, and a check digit for validation. This breakdown helps users comprehend the origin and individual identity related to a given card number.
Here's the structure:
| Component | Description |
|---|---|
| Major Industry Identifier (MII) | The first digit that signifies the broad industry category of the issuing entity. |
| Issuer Identification Number (IIN) | The first six digits, inclusive of the MII, indicating the specific institution that issued the card. For example, Visa issued cards start with a 4, Mastercard a 5, Amex a 34 or 37. |
| Personal Account Number | Begins from the 7th digit and runs to the second-last digit, this identifier is exclusive to each cardholder. |
| Check Digit | The final digit, computed through the Luhn Algorithm for the validation of the card number. |
This tool offers a valuable preliminary validation layer but does not verify the legitimacy or active status of a card. Always adhere to solid financial security practices and keep in mind that additional verification steps might be required for comprehensive validation. The Credit Card Number Validator is designed to help you understand the basic structure of card numbers and identify potential input errors.