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Credit card numbers typically contain your name, bank information, card carrier, and a string of numerical digits that vary in length. The Luhn formula, invented in 1954 by Hans Peter Luhn, is an algorithm embedded within these numbers to validate and secure the card. Despite its low-tech nature, this formula is included in every credit, debit, and ATM card globally. You can amaze others by demonstrating this algorithm as a bar trick, which involves writing out a card number and following a simple validation process.