How To Create Valid Credit Card Number | Fake Credit Card

A valid credit card number (also known as Primary Account Number - PAN) has several fields and each of them has a meaning. When we say that credit card number is valid, we merely imply that they are a possible combination of characters which will validate when passed through the MOD 10 algorithm.

• Out of the 16 numbers on a typical credit card, the set of first 6 digits is known as the issuer identifier number and the last digit is known as the “check digit” which is generated in such a way as to satisfy a certain condition (the Luhn or Mod 10 check). “Luhn check” is explained later in this post. The term sounds intimidating, but it’s really a very simple (and elegant) concept.
• Taking away the 6 identifier digits and 1 check digit leaves us with 9 digits in the middle that form the “account number”.
• Now, there are 10 possible numbers (from 0 to 9) that can be arranged in these 9 places. This gives rise to 10⁹ combinations, that is, 1 billion possible account numbers (per issuer identifier).
• With each account number, there is always an unique check digit associated (for a given issuer identifier and an account number, there cannot be more than one correct check digit)
• Amex issues credit cards with15 digits. The account numbers in this case are 8 digit long.

How do we generate Valid Credit Card Numbers?

In order for a credit card number to be valid, it has to be validated by the MOD 10 algorithm as explain above. This is an algorithm specifically designed to prevent accidental errors such as typos.

How To Use This Algo or Luhn Algorithm:

The MOD 10 algorithm is a checksum (detection of errors) formula which is the common name for the Luhn 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. To teach you how to manually validate a specific number, lets do an example:

Say we have 38520000023237 and we want to check if it could be a real credit card number

• First of all remove the last digit for some time, In this case 7 is last.
• Take the rest of the sequence 3852000002323
• Double every other digit starting from the right

  

3	8	5	2	0	0	0	0	0	2	3	2	3
6	8	10	2	0	0	0	0	0	2	6	2	6

• If Doubly contain 2 digits then just make it one by adding 10 = 1 + 0 = 1
• Now Add all the digits together and include last digit also6+8+1+2+0+0+0+0+0+2+6+2+6+7 =40
• If the final total is perfectly divisible by 10, then the credit card number is valid (Luhn check is satisfied), else it is invalid.
• 40 mod 10 = 0 that means this no is valid.