For all the credit card generating jackasses!


OK, we have all seen those credit card generating programs, but do they work? Not really! First of all they generate possibly accurate credit card info using the Mod10 algorithm (more on this later). Well maybe back in the day when you ordered something online the server would only check to see if the credit card FORMAT was accurate. So in reality unless an online store used ONLY a Mod10 check then the generater would work, but now-a-days they have fancy programs that can check with the bank and get the credit limit. So basicly with a generated credit card you can't do much.

Generating a credit card number all by yourself!!

First pick the type of card you want to generate, then write down the prefix. I will pick Visa (prefix=4)

Credit Card prefixes:

MASTERCARD 51-55
VISA 4
Discover 6011

OK! so we have 4 so far

4xxx-xxxx-xxxx-xxxx

now go ahead and fill the x's with random numbers

4123-1234-5678-1976 (random numbers after 4)

OK now the math part!
Starting at the RIGHT and skipping the first digit we double every other number

To double:
4123-1234-5678-1976

Once we double these numbers we get:
8 4 2 6 10 14 2 14
Now split all the two digit numbers and add the digits together:

14 1+4 = 5
14 1+4 = 5
10 1+0= 1

so now we have 8 4 2 6 1 5 2 5

Next add all these numbers together:
8+4+2+6+1+5+2+5 = 33

The first number is 33

Now go back up to the first full number we generated (4123-1234-5678-1976)

Starting from the right get all the unused digits (every other digit)

we get: 6 9 8 6 3 1 2 4
(if there are any 2 digit numbers add the digits together)
Now add these numbers together

6+9+8+6+3+1+2+4 = 40
this is the second number

now add the first and second numbers together 40+33 that makes 73
for the credit card number to be valid the number must end in 0
so we are 3 off! go to the first full number we generated (4123-1234-5678-1976)

now take 3 off any other number starting from the left
we will use the 6
6 - 3 = 3

so the new number is
4123-1234-5678-1973

If i did my little math right then this is a valid visa card number! THAT DOES NOT MEAN IT WILL WORK!!! but it will pass a Mod10 check!!

**now take 3 off any other number starting from the right
we will use the 6
6 - 3 = 3