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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.

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.

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An contains a six-digit issuer identification number (IIN), an individual account identification number, and a single digit checksum.

The first digit of the issuer identification number is the major industry identifier (MII).

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.

A valid credit card number (also known as Primary Account Number - PAN) has several fields and each of them has a meaning.