Unverified50% confidenceFactExact time
The last digit of almost all credit card and debit card numbers is a Luhn check digit, which allows card number validity to be determined through mathematical calculation without accessing bank databases
1
Sources
50%
Confidence
Long-term
Relevance
8/8/2026
First Seen
Sources
DataBlur：实时模糊屏幕敏感数据的本地化隐私保护工具
Related Claims
UnverifiedCard numbers generated by virtual card generators are essentially just random digits combined according to the Luhn algorithm, with no real bank account behind them, and cannot be processed through actual payment systems.74% similarUnverifiedBank card numbers follow the Luhn algorithm checksum, with Visa starting with 4 and Mastercard starting with 51–5568% similarUnverified礼品卡支付缺乏实名绑定信息，批量使用时会触发欺诈检测模型异常评分，而Visa/Mastercard等国际银行卡具备完整KYC信息链路，风控评分更低66% similar
Cite This Claim
Stable URI
https://kongchang.com/claim/712607API
curl https://kongchang.com/api/v1/knowledge/claims/712607MCP
get_claim(id=712607)