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For more complete testing data you can make up an expiration dates, a card holder name and possibly an address with a zip code.We choose not to provide this data but you can easily make up this information.It identifies the industry where the card will be most used in.
It is used to validate the primary account number to protect against accidental errors.
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.
The issuer identification number also known as the bank identification number (BIN) is the first six digits of the credit card number.
These identify the institution that issued the credit card to the card holder. Afterwards comes the account number, digit 7 to last minus one.
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You can also generate valid credit card numbers for specific Issuing Networks by utilising their particular prefixes.