Finally, you add both totals together, and if the result is evenly divisible by 10, then the card number has passed the validation.
That means you can do whatever you want with it — use it in commercial projects, modify it, sell it — as long as you include the copyright notice and licence text.
The card number is primarily a card identifier and does not directly identify the bank account number to which the card is linked by the issuing company.
The card number prefix identifies the issuer of the card, and the digits that follow identify a unique account which is associated by the issuing organization with one of its customers and then to the customer's designated bank accounts.
These digits identify which organization issued the credit card.
You can lookup the issuing organization on the Internet using a BIN Database service ( https://
This verification does not tell you if funds are available in the account and it certainly doesn't tell whether or not the person submitting the order is committing credit card fraud.
It also differs from Universal Payment Identification Code, another identifier for a bank account in the United States.
The leading six digits of the card number is the "issuer identification number (IIN)", sometimes referred to as the "bank identification number (BIN)".
In the USA we tend to identify the card types as follows: The first 6 digits of your credit card number (including the initial MII digit) form the Issuer Identifier Number or IIN.
The IIN is also referred to as the Bank Identification Number or BIN.