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Luhn algorithm. The Luhn algorithm or Luhn formula, also known as the " modulus 10" or "mod 10" algorithm, named after its creator, IBM scientist Hans Peter Luhn, is a simple check digit formula used to validate a variety of identification numbers. It is described in US patent 2950048A, granted on 23 August 1960. [1]
An address verification service (AVS) is a service provided by major credit card processors to enable merchants to authenticate ownership of a credit or debit card used by a customer. [1] AVS is done as part of the merchant's request for authorization in a non-face-to-face credit card transaction. The credit card company or issuing bank ...
Check verification services have been most common in the United States, in Europe a cheque guarantee system operated for a number of years that could be used by merchants until the usage of cheques declined to the point where it was no longer necessary. Outside the United States the decline in check usage in favour of debit cards and credit ...
Postal address verification. Postal address verification (also known as address, address validation, address verification and CASS certification [1]) is the process used to check the validity and deliverability of a physical mailing address. According to the United States Postal Service, an address is valid (or mailable) if it is CASS-certified ...
Software verification and validation. In software project management, software testing, and software engineering, verification and validation is the process of checking that a software engineer system meets specifications and requirements so that it fulfills its intended purpose. It may also be referred to as software quality control.
3-D Secure. 3-D Secure is a protocol designed to be an additional security layer for online credit and debit card transactions. The name refers to the "three domains" which interact using the protocol: the merchant/acquirer domain, the issuer domain, and the interoperability domain. [1]
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