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.
This is a way to protect yourself in such situations.
The other reason we made this are programmers testing ecommerce websites, applications or other software.
These identify the institution that issued the credit card to the card holder. Afterwards comes the account number, digit 7 to last minus one.
The maximum length of the account number is 12 digits. The last digit is the checksum which we explained how to calculate using the MOD 10 algorithm.
They usually need lots of fake data, and this is a very easy way to generate a bunch of valid credit card numbers in a split second.
The real challenge is getting a valid credit card number which passes the test so that's what we focused on.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.They merely respect guidelines of a valid credit card number.I advise you not not to try to use these for any actual transactions, only for testing purposes!