A Secret Code in Credit Card Numbers


Hello this is Presh Talwalkar. You credit card number probably looks pretty random to you. But hidden inside those mathematical digits, is a secret mathematical code. In this video, I’ll teach you a magic trick based on this pattern You’ll need a credit card, a debit card, or an ATM card that has 16 digits. You’ll also want a pencil and paper to do simple calculations. For this video, I’m going to do the calculation for the number that’s written on the screen, but you should follow along with your credit card number. To get started, focus on the sixteen digits in the number, and separate them into two groups. For the first step, add up every other digit. In this case, the digits which are colored in black. We’ll add up 1, 3, 5, 7 ,8, 0, 0, 0, to get to a sum of 24. We’ll go ahead and double this result. 24*2 is 48 Now look at the numbers which you just added up Count the number of digits which are 5 or larger In this case, the numbers five, seven, and eight, are five or larger, so that means that there are three numbers that are five and larger Finally, add up the remaining digits. These are the digits that are colored in blue. 2 + 4 + 6 + 8 + 9 + 0 + 0 + 0 This gives a sum of 29 Now we’re ready to do the magic part We have three numbers, 48, 3 , and 29. When you add up these three numbers, we’re going to end up with a number, who’s last digit is 0 And this is true, for every single credit card number So that’s the magic part, you can have someone do this, they’ll do these calculations and then you are going to say” Alright look at your number at the last digit is zero” You might be wondering why this works. This, in fact, is a mathematical code, that is programmed into your credit card number. The reason it’s in there is because, if you every typed your credit card number into a website and you accidentaly typed the wrong number, the website doesn’t know, that it needs to know how to validate a correct number from a incorrect number. So this is one way that they check that you’ve typed in a credit card number that’s valid. If you end up with a sum whose last digit is not zero, then that means that you probably typed in your credit card number incorrectly So that’s a pretty neat magic trick and someone who doesn’t know that this is encoded in the magi~ in the credit card number, is going to be surprised you knew the last digit of this number is zero Thanks for watching this video! Please subscribe to my channel, I make videos on math and game theory. You can catch me on my blog MindYourDecisions which you can follow on Facebook, Google+, and Patreon. You can catch me on social media @preshtalwalkar. And please check out my books. I’ve written a detailed description of each one in the description for this video.

100 thoughts on “A Secret Code in Credit Card Numbers

  • Hey, so book barcodes also have a secret code too! They are easier, you can even do in your head. Check out my new video: https://youtu.be/WTzyd3e107Q

  • If you have card code 0000 0001 0002 0003, this won't work.

    That's because 0*8=0
    There are no 5 or greater digits, so 0
    1+2+3=6

    Add those up and you don't get a zero-ended number.

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  • This is what is called a "Check Sum" or a " Check Sum Digit" and it is exactly what you said it was, a way for the computer to know if the numbers were entered correctly. However, not all credit card numbers will have a Check Sum of "0". That would eliminate the vast majority of 16 digit numbers that could be used.

  • Its called A STANDARD mod-10 checkdigit!
    With the weight being applied I 2 1 2 1 2 etc
    MasterCard was the most complicated with calious weight and methods were used in tje 70s
    The checkdigit was used because banks used to take the paper from the merchants and key them into a system. Checkdigits have been used for decades by data entry departments. I had 150 data entry clerk's that worked for me at a bank performing those actions. Data entry clerks had no screens to look at, as it slowed them down. They would respond to sounds not visual. They got paid by the correct keystrokes entered. And got merit increases by keystrokes/hour.
    They would grab a bunch of credit card receipts that were batched together. The batch had a batch number, total dollar amount, and the amount of receipts. They entered that first, then began to key in the credit card number (which had a check digit) and the dollar amount. If the credit card number didnt pass the checkdigit routine the terminal would just honk, forcing the clerk to re-enter the number.
    Most people have no clue as to how data entry people worked.
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  • It didnt work for mt credit cards. I triple checked everything with same result everytime. Disappointing.

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  • This video is not true at all in how the calculation is made, unless your card number ends with 0. However the video is right in the math in the card number, but it is a modulus 10 or Luhn algorithm of the first 15 digits in a 16 digit card number and the last digit is the check digit. Here is how it actually works: https://en.wikipedia.org/wiki/Luhn_algorithm

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