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chances are you have a credit card in your wallet on the front is usually something like your name and other information like your bank and the card carrier like Visa MasterCard etc and a string of sixteen fifteen or fourteen numerical digits these digits vary from card to card and theyre enough for merchants to transact business with your bank on your behalf however this string of numbers isnt random in fact theres a secret code in there that validates your card and keeps it safe all in the number structure its a low-tech mathematical algorithm called the loon formula invented by Hans Peter Luhn in 1954 this mathematical tool actually dates back to before the existence of credit cards even with that fact its included in every credit debit an ATM card on earth and it also makes for a mind-blowing bar trick if people dont know it heres how you can see how it works first youll want to write out your or any credit card number on a piece of paper this is a randomly generated Visa