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The maximum length of the account number is 12 digits. The last digit is the checksum which we explained how to calculate using the MOD 10 algorithm.
It is used to validate the primary account number to protect against accidental errors.
When we say they are valid, we merely imply that they are a possible combination of characters which will validate when passed through 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.