Validating credit card numbers involve the use of a formula known as the Luhn algorithm, and we also check if the card is identified with a card issuing institution by looking at the first few digits known as the bank identification number (BIN).

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Check to see if your card is a valid credit card number.

This is the first digit of the credit card number, and this identifies the major industry of the card issuer.

The first few digits of a card number identify the institution that issued the card to the card holder.

The Luhn Algorithm, also known as the Mod 10 Algorithm, is a checksum formula that is used to validate credit card numbers, IMEI numbers, National Provider Identifier numbers, Canadian Social Insurance numbers, Israel ID numbers, and Greek Social Security numbers. This formula was created by an IBM scientist, Hans Peter Luhn.

There are a few simple steps to the formula. We ultimately are testing if the result is the check digit. The check digit is the last digit of the number so we do not include the check digit when using the formula.

1) From the rightmost digit (ignoring the check digit or the last digit), we double the number. If doubling the number results to a number greater than 9, then separate the doubled digit into single digits and add them together.

2) Take the sum of all the digits.

3) Multiple the sum by 9.

4) Check the last digit of the product. If it matches the check digit, we have a valid credit card number.

**Credit card number:** 2296 0021 9560 4223

Ignore last digit: | 2 2 9 6 | 0 0 2 1 | 9 5 6 0 | 4 2 2 3 |
---|---|---|---|---|

Doubling Step 1: | 4 2 (18) 6 | 0 0 4 1 | (18) 5 (12) 0 | 8 2 4 |

Doubling Step 2: | 4 2 (1+8) 6 | 0 0 4 1 | (1+8) 5 (1+2) 0 | 8 2 4 |

Doubling Step 3: | 4 2 9 6 | 0 0 4 1 | 9 5 3 0 | 8 2 4 |

Sum all the Digits: | 4 2 9 6 | 0 0 4 1 | 9 5 3 0 | 8 2 4 |

Result of the Sum: | 57 | |||

Multiply the sum by 9: | 57 x 9 = 513 | |||

Last digit of 513: | 3 |

As you can see, the check digit is 3 and the last digit of the product is 3 so the credit card number is valid. |