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Luhn algorithm. The Luhn algorithm or Luhn formula, also known as the " modulus 10" or "mod 10" algorithm, named after its creator, IBM scientist Hans Peter Luhn, is a simple check digit formula used to validate a variety of identification numbers. It is described in US patent 2950048A, granted on 23 August 1960. [ 1]
Address verification service. An address verification service ( AVS) is a service provided by major credit card processors to enable merchants to authenticate ownership of a credit or debit card used by a customer. [ 1] AVS is done as part of the merchant's request for authorization in a non-face-to-face credit card transaction.
Payment card numbers are composed of 8 to 19 digits, [ 1] The leading six or eight digits are the issuer identification number (IIN) sometimes referred to as the bank identification number (BIN). [ 2]: 33 [ 3] The remaining numbers, except the last digit, are the individual account identification number. The last digit is the Luhn check digit.
A card security code ( CSC; also known as CVC, CVV, or several other names) is a series of numbers that, in addition to the bank card number, is printed (but not embossed) on a credit or debit card. The CSC is used as a security feature for card not present transactions, where a personal identification number (PIN) cannot be manually entered by ...
Offline data authentication is a cryptographic check to validate the card using public-key cryptography. There are three different processes that can be undertaken depending on the card: [citation needed] Static data authentication (SDA) ensures data read from the card has been signed by the card issuer. This prevents modification of data, but ...
Public key certificate. In cryptography, a public key certificate, also known as a digital certificate or identity certificate, is an electronic document used to prove the validity of a public key. [ 1][ 2] The certificate includes the public key and information about it, information about the identity of its owner (called the subject), and the ...
Credit card fraud. A fake automated teller slot used for "skimming". Credit card fraud is an inclusive term for fraud committed using a payment card, such as a credit card or debit card. [ 1] The purpose may be to obtain goods or services or to make payment to another account, which is controlled by a criminal.
W3C Markup Validation Service. The Markup Validation Service is a validator by the World Wide Web Consortium (W3C) that allows Internet users to check pre-HTML5 HTML and XHTML documents for well-formed markup against a document type definition (DTD). Markup validation is an important step towards ensuring the technical quality of web pages.
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