3 Bước Để kiểm tra thẻ tín dụng

3 bước để kiểm tra thẻ tín dụng


5434-8434-2900-1033

Đây có phải là số card đúng không? Chúng ta hãy kiểm tra nó.

Bước 1: kiểm tra loại card

Type Prefix Length
MASTERCARD 51-55 16
VISA 4 13, 16
AMEX 34
37
15
Diners Club/
Carte Blanche
300-305
36
38
14
Discover 6011 16
enRoute 2014
2149
15
JCB 3 16
JCB 2131
1800
15

5434-8434-2900-1033 (length = 16)

Đây có thể là thẻ MasterCard – National Westminster Bank

Bước 2: kiểm tra công thức Luhn (mod 10)

– lần lượt lấy các chữ số ở vị trí lẽ nếu lenght chẵn hoặc các chữ số ở vị trí chẵn nếu length là lẽ nhân cho 2

 5 4 3 4 8 4 3 4 2 9 0 0 1 0 3 3
x2 x2 x2 x2 x2 x2 x2 x2
---------------------------------------
10 6 16 6 4 0 2 6

– tính tổng: (1+0) + 4 + (6) + 4 + (1+6) + 4 + (6) + 4 + (4) + 9 + (0) + 0 + (2) + 0 + (6) + 3 = 60

– lấy tổng tính được mod cho 10, nếu số dư bằng 0 nghĩa là đúng, nếu khác 0 nghĩa là sai.

60 mod 10 = 0 – Luhn Check Digit: passed.

Bước 3: kiểm tra checksum

– lần luợt lấy các chữ số ở vị trí lẽ nhân cho 2 ngoại trừ chữ số cuối cùng

 5 4 3 4 8 4 3 4 2 9 0 0 1 0 3
x2 x2 x2 x2 x2 x2 x2 x2
---------------------------------------
10 6 16 6 4 0 2 6

– tính tổng(*): (1+0) + 4 + (6) + 4 + (1+6) + 4 + (6) + 4 + (4) + 9 + (0) + 0 + (2) + 0 + (6) = 57

– tính tổng các chữ số của tổng(*)

5 + 7 = 12

– lấy kết quả trên nhân cho 10 rồi trừ cho tổng(*), sau đó mod 10, nếu số dư bằng chữ số cuối cùng của card number nghĩa là đúng, nếu khác nghĩa là sai.

(12 x 10 – 57) % 10 = 3 – Checksum: passed.

5434-8434-2900-1033 – đây là số card hợp lí

Ví dụ 2 : 4128-674-342-188 – hợp lí

– prefix = 4, length = 13 – Valid Visa CV – Citibank
– 4221661446441168 = 60, (60 mod 10) = 0
814837838228 = 62, 6 + 2 = 8, (8 x 10 – 62) % 10 = 8

Tuy nhiên bạn chỉ có thể kiểm tra xem số card đúng hay sai thôi. Để sử dụng card, bạn cần biết thêm thông tin khác về card như người sở hữu card, địa chỉ và số phone của anh ta, …


Công cụ hổ trợ: (http://www.elfqrin.com/DisCard.html)

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