1. Credit card details explained

1. 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.

2. A valid credit card number contains a six-digit issuer identification number (IIN), an individual account identification number, and a single digit checksum.

3. According to Major Industry Identifier, the category corresponding to the first MII Digit 4, 5 is Banking and financial, and 6 is Merchandising and banking / financial, so the first digit for all credit cards is 4, 5 or 6.

4. The issuer identification number (also known as the bank identification number (BIN)) is the first six digits of the credit card number. These identify the institution of the credit card issued.

5. The remaining digits are individual account identifiers, the last digit of which is a check digit, obtained from the Luhn algorithm, to prevent accidental input errors.

6. The CVV represents the card verification value on the back of the card, made up of three digits, needed for payment, so be careful to hide this code.

2. Why can we generate a valid credit card number?

When we know the rules of a credit card, then anyone can generate a credit card number. When we say that a valid credit card is generated, only the credit card complies with the rules of a real credit card number and is validated by the Luhn algorithm, but please note that other information we generate such as expiration date, cvv, names, etc., is generated randomly and not Has any practical significance.

3. Can I use these credit card to buy something?

No, never. Although the credit card number is valid, but does not really exist, expiration date, cvv and name are non-existent, can not complete the purchase. If you need a real credit card, please apply through the bank or some institutions.

4. About www.BestCreditCardGenerator.com

www.bestcreditcardgenerator.com is a tool to generate credit cards, including MasterCard, Visa, Discover, American Express, etc. We collect some of the public BINs, and then generate these credit card numbers according to the credit card number rules. At the same time, we provide expiration time, cvv , name, of the credit card, these makes the credit card look real.

You can choose the BIN, enter the quantity, select the credit card number seperator, expiration time, cvv, name and the generated format(including csv, sql, xml, json), these you can customize, which is a good The tool instantly generates a large number of credit card numbers.

5. About Bank Identification Number(BIN)

Also known as issuer identification number (IIN).

The first six digits of a card number (including the initial MII digit) are known as the issuer identification number (IIN). These identify the card issuing institution that issued the card to the card holder. The rest of the number is allocated by the card issuer. The card number's length is its number of digits. Many card issuers print the entire IIN and account number on their card.

In the United States, IINs are also used in NCPDP pharmacy claims to identify processors, and are printed on all pharmacy insurance cards. IINs are the primary routing mechanism for real-time claims.

The ISO Register of Issuer Identification Numbers database is managed by the American Bankers Association. ABA is the Registration Authority for this standard and is responsible for allocating IINs to issuers.

Online merchants may use IIN lookups to help validate transactions. For example, if a card's IIN indicates a bank in one country, while the customer's billing address is in another, the transaction may call for extra scrutiny.

6. About Luhn algorithm(Mod 10)

The Luhn algorithm or Luhn formula, also known as the "modulus 10" or "mod 10" algorithm, is a simple checksum formula used to validate a variety of identification numbers, such as credit card numbers, IMEI numbers, National Provider Identifier numbers in the United States, Canadian Social Insurance Numbers, Israel ID Numbers and Greek Social Security Numbers (ΑΜΚΑ). It was created by IBM scientist Hans Peter Luhn and described in U.S. Patent No. 2,950,048, filed on January 6, 1954, and granted on August 23, 1960. [source: wikipedia]

The sum of all the digits in the third row is 67+x.

The check digit (x) is obtained by computing the sum of the non-check digits then computing 9 times that value modulo 10 (in equation form, ((67 × 9) mod 10)). In algorithm form:

1. Compute the sum of the non-check digits (67).

2. Multiply by 9 (603).

3. The units digit (3) is the check digit. Thus, x=3.

(Alternative method) The check digit (x) is obtained by computing the sum of the other digits (third row) then subtracting the units digit from 10 (67 => Units digit 7; 10 − 7 = check digit 3). In algorithm form:

1. Compute the sum of the non-check digits (67).

2. Take the units digit (7).

3. Subtract the units digit from 10.

4. The result (3) is the check digit. In case the sum of digits ends in 0 then 0 is the check digit.

This makes the full account number read 79927398713.

7. Declined Card Messages