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It identifies the industry where the card will be most used in.If this digit is 9 the next three digits are the country code from ISO 3166-1.The maximum length of the account number is 12 digits. The last digit is the checksum which we explained how to calculate using the MOD 10 algorithm.It is used to validate the primary account number to protect against accidental errors.You can also generate valid credit card numbers for specific Issuing Networks by utilising their particular prefixes.However, we do not provide you (obviously) with the correspondent verification code for these cards, as they are completely fake and made up randomly.The real challenge is getting a valid credit card number which passes the test so that's what we focused on.
We choose not to provide this data but you can easily make up this information.A valid credit card number has several fields and each of them has a meaning.For the technically inclined, this number complies to the ISO 7812 numbering standard.This is an algorithm specifically designed to prevent accidental errors such as typos.Knowing the Major Industry Identifier (MII) and the Issuer Identification Number (IIN) we can prefix a credit card number and then randomly select the rest, as long as they comply to the MOD 10 algorithm.
This formula has been in use to validate a lot of identification numbers besides credit cards since its development by scientist Hans Peter Luhn from IBM.