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It is used to validate the primary account number to protect against accidental errors.
To be completely clear and spell this out, these fake credit card numbers should not be used to try and purchase stuff.
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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.
And you don’t need to worry about others coming into your call since it maxes out at two.