The generation of credit card numbers follows strict international standards (such as ISO/IEC 7812) and is mainly used for security verification of payment systems. The following is a description of the key knowledge points： 1. **Structure analysis** -**Issuing bank identification number (BIN)**: The first 6 digits are assigned by the international card organization (for example, Visa starts with 4 and Mastercard starts with 5). -**Personal account ID**: Digits 7-15 (variable length), assigned by the card issuer. -**Check digit**: The last digit, calculated by the **Luhn algorithm**, is used for error prevention. 2. **Luhn algorithm example** Take the analog number `4532 7598 1234 567X` as an example： -From right to left, multiply the double digits by 2 (if the result is ≥10, add one digit and ten digits) -After summing, use`(10-sum%10) %10` to get the check digit X 3. **Important warning** -**Legal risks**: According to Article 177 of the Criminal Code, forgery of credit cards is punishable by 5-10 years in prison. -**Technical protection**: Modern payment systems verify multi-factor authentication such as BIN validity, CVV code and 3D Secure in real time. 4. **Safety advice** -Any tool that claims to be able to "generate available credit cards" is fraudulent. -The test environment needs to use the test number segment provided by the card organization (such as the Visa test card number `4111 1111 1111 1111`). For details of financial security technology, it is recommended to refer to the PCI DSS standard or consult a legal payment service provider. Please always comply with laws and regulations to protect the security of personal information.