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The MOD 10 algorithm is a checksum (detection of errors) formula which is the common name for the Luhn algorithm.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.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.For more complete testing data you can make up an expiration dates, a card holder name and possibly an address with a zip code.In order to complete a purchase a combination of data must be had, and merely a card number is not enough.Information such as expiration date, card holders name and CVV numbers.

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