Episode Transcript
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Speaker 1 (00:00):
All right, does everybody have their credit card out and
you can see the numbers?
Speaker 2 (00:04):
Yeah, flip it around.
Speaker 1 (00:06):
Okay, now, out of curiosity, the first number of your
credit card?
Speaker 3 (00:13):
I am yes, what is it?
Speaker 4 (00:16):
No?
Speaker 3 (00:16):
No, I'm not going to ask you to read the
whole thing? Five five MasterCard? Yeah, thank you.
Speaker 1 (00:25):
Anybody with a MasterCard knows it starts with a five.
Anybody with a Visa knows it starts with a four.
Anybody with a Discover knows it starts with a six.
Speaker 2 (00:33):
I didn't know that.
Speaker 1 (00:34):
Oh really, the first number is always the manupactent.
Speaker 3 (00:40):
I don't know type of the card, yeah, exactly.
Speaker 1 (00:44):
Now, before we get into this, everybody has filled out
a form online and you have to input your credit
card or even maybe maybe not online but at a
retailer or something like that, and you have to put
in your credit card number and you type in your
credit card number, and I know a lot of people
have it saved and stuff like that, and it just
fills in. But if you ever have to type in
(01:04):
your credit card number and you hit you make a mistake, right,
you make a you make a very quick mistake, and
you hit enter, and immediately you get invalid credit card number.
Speaker 3 (01:17):
How do they know that?
Speaker 5 (01:20):
I don't know.
Speaker 1 (01:21):
You think it ran your background that quick to your
bank and knows exactly what your credit card number is? Yes,
I thought it did, like that, it was able to
trace us all the way back to your bank and
know whether or not that was your correct credit card
number or not.
Speaker 2 (01:35):
I honestly did think that.
Speaker 6 (01:37):
No.
Speaker 3 (01:37):
Oh no, not at all, Diane. How does it know
like that?
Speaker 5 (01:43):
I don't know.
Speaker 1 (01:44):
It doesn't have all of your ID, so, I mean,
it's not going to know in the blink of an eye.
It would be the fastest computer in the world to
be able to go back and decipher all of that.
Speaker 2 (01:53):
I thought it was. I really did.
Speaker 3 (01:56):
No, that's okay, that's okay, But that's not that's not
the case.
Speaker 5 (02:02):
What what's the answer?
Speaker 3 (02:05):
The loom algorithm? Loom like loon, loom l u h
n loon.
Speaker 2 (02:11):
That's what you meant, like the all over bodies the.
Speaker 1 (02:13):
Odoranm Yeah, no, no, no, the loon algorithm, Diane explain
the lun algorithm.
Speaker 5 (02:19):
No idea.
Speaker 2 (02:21):
That's not fair. If he's never heard of it. I've
never heard of it either.
Speaker 3 (02:24):
It was patented in nineteen sixty.
Speaker 2 (02:28):
By the credit card companies.
Speaker 3 (02:31):
No by IBM researcher Hans Peter Loon.
Speaker 2 (02:38):
What is it?
Speaker 3 (02:40):
It is a out, Diane. Don't look anything up.
Speaker 1 (02:44):
Okay, please don't look anything up because you're going.
Speaker 3 (02:47):
To ruin it.
Speaker 1 (02:47):
Okay, I'm going to walk you through it. But it
is an algorithm, and it works on every credit card
without fail every That's how it knows like that if
something's wrong. So, for example, I already told you, the
first number is going to tell is going to tell
you what the make of the credit card is Visa MasterCard,
(03:12):
Discover American Express. The next several numbers are going to
be your account number.
Speaker 3 (03:22):
Sometimes it's three, sometimes it's five.
Speaker 1 (03:24):
It could be more than that, but it's going to
give you your actual account number.
Speaker 2 (03:29):
Can I say in my defense, I did know that
something early on indicated what the card was, because you
see that logo then pop up on some former I
didn't realize it was only the one digit.
Speaker 3 (03:40):
Yeah, okay, No, that's okay.
Speaker 2 (03:42):
And you're saying my account itself starts at the second digit. Yes, okay, yeah,
I didn't know that.
Speaker 1 (03:49):
And what's the last digit? Don't have to you don't
have to tell me the number. I know you're very secretive,
because now I will have add two numbers in.
Speaker 2 (03:56):
Your credit card. What is the nine or the last digit?
Speaker 3 (04:03):
That's your check digit? You a check digit, So are
you ready?
Speaker 1 (04:13):
It says here the next five to seven digits pinpoint
a banker institution that issued the car. What remains minus
the final digit is your specific account number with that bank.
The final digit is called the check digit and has
nothing to do with any financial institution. Issuers tack it
on so that the whole card number will satisfy a
(04:35):
specific mathematical test known as the loon algorithm.
Speaker 3 (04:43):
All right, here we go.
Speaker 2 (04:46):
Do we need a piece of paper?
Speaker 1 (04:48):
Um? Yeah, this will probably help. This will probably help.
I should have told everybody get a piece of paper. Diane,
do you have a piece of paper? Tyler, do you
have a piece of paper? Christen, do you have a
piece of paper? Write out all but the last digit
of your credit card number?
Speaker 3 (05:07):
So write down all the numbers.
Speaker 2 (05:08):
Okay, dude. If case Kristen has a question, oh you
want me to turn you on, I could turn you on.
Half her up as well. Okay, can you read that again?
Speaker 1 (05:17):
Plays I was talking, write out all but the last digit,
the nine correct the check digit. Write out all but
the last digit of the card. Okay, okay, double every
other number, starting at the right.
Speaker 5 (05:43):
I don't understand. What do you mean?
Speaker 2 (05:44):
Double it?
Speaker 5 (05:45):
So if it's six, it becomes the twelve.
Speaker 3 (05:48):
I mean, that's Diana.
Speaker 1 (05:50):
You couldn't be more accurate. Hey, what's your check digit?
Did you you can reveal your whole number? Did you
write it down?
Speaker 5 (05:56):
Yeah?
Speaker 3 (05:58):
Double every other number starting from the right. Correct. You
know you didn't write down the check digit.
Speaker 2 (06:05):
Right, it's like reading Hebrew, Kristen.
Speaker 3 (06:08):
Double, Are you with me?
Speaker 1 (06:09):
Double every other number, starting at the right, I think so.
Speaker 3 (06:19):
All right, Well someone's hunting and pecking over there.
Speaker 2 (06:22):
Yep, is Kristen good?
Speaker 3 (06:25):
Are you doing every other digit? Diane? Yes? Are you good?
I'm writing down the instructions because I walk so I
never bring my wallet over so I don't have a card.
Oh okay, all right, that's fine.
Speaker 2 (06:36):
I'm writing down the rules so when I go home,
some rand's not done yet, No I am.
Speaker 5 (06:42):
I'm just drawing lines to make sure that they're the.
Speaker 2 (06:44):
Highest number we could have gotten? Is in eighteen?
Speaker 6 (06:46):
Right?
Speaker 1 (06:47):
Well that's a nine, Diane. If I double nine, what
is that?
Speaker 5 (06:51):
Eighteen?
Speaker 3 (06:52):
Very good? Dog, you can I ask you a question.
Speaker 2 (06:57):
What are you doing?
Speaker 6 (06:59):
Right?
Speaker 5 (06:59):
She's still write No, I'm just I was doing that.
Speaker 3 (07:02):
Okay, I don't know what that is.
Speaker 5 (07:03):
I don't want you see my number. You just don't
trust you.
Speaker 2 (07:06):
Photographic is your memory?
Speaker 3 (07:07):
Did you Yep?
Speaker 2 (07:09):
He committed it? Yep, he committed it.
Speaker 1 (07:11):
Five Some the resulting digits not numbers, digits. So your
six that became a twelve is two and one is three? Yeah,
some the resulting digits.
Speaker 2 (07:31):
Wait does that? Was I supposed to bring down the digits?
I did not double from the number?
Speaker 1 (07:39):
Double every other number starting at the right. Okay, if
you doubled a seven to of fourteen in step two,
this will become one plus four.
Speaker 2 (07:53):
That is my number. Now he's seen my card as well.
Speaker 1 (07:58):
So the answer to your quotession is no, don't bring
down those numbers. Those numbers are zeros. They don't matter,
which is why we did every other number.
Speaker 4 (08:07):
And if it's still a singular number, then so like
you're two was doubled to a four.
Speaker 1 (08:14):
Yea, it's a four, oh my god. And zero is zero?
Speaker 5 (08:21):
Thanks christ.
Speaker 3 (08:23):
By the way, Diane, not the dumbest question.
Speaker 5 (08:27):
Okay, I did that?
Speaker 1 (08:30):
Did you sum them, HM, add the check digit to
the sum.
Speaker 2 (08:39):
So that was that final digit be left off?
Speaker 6 (08:41):
Yes?
Speaker 3 (08:41):
In your case, I believe it's a nine.
Speaker 2 (08:43):
Well it could be.
Speaker 3 (08:45):
Add the check digit. Okay, Diane, I swear to God.
Were you just using fingers?
Speaker 1 (08:53):
No?
Speaker 5 (08:53):
I was covering up the ones that I was adding
in my head.
Speaker 2 (08:58):
Finger paint.
Speaker 5 (09:01):
Okay, Okay, I double checked, Okay, perfect. I have that number.
Speaker 1 (09:08):
You have that number, including your yes, including your check
your check digit.
Speaker 5 (09:13):
Yeah.
Speaker 3 (09:17):
And you have the total, the sum plus the check digit.
Speaker 2 (09:21):
Yeah, Tyler, I have that as well.
Speaker 3 (09:25):
Give me that number, Diane, the total number. It ain't
gonna mess nothing up, can you?
Speaker 2 (09:31):
Is it possible to work back?
Speaker 3 (09:32):
Or it's not?
Speaker 2 (09:33):
Okay, it's not.
Speaker 5 (09:34):
Give me if my account gets compromised.
Speaker 3 (09:38):
Look at me. I got a jacket on with dollar signs.
What could go wrong?
Speaker 5 (09:41):
Give give me the number twenty four.
Speaker 3 (09:44):
You made a mistake, Tyler, forty three. You also made
a mistake.
Speaker 1 (09:51):
Every single credit card in order to work, must be
a multiple of ten, and that's how they know the
second you hit enter.
Speaker 3 (10:03):
If it's not a multiple of ten, donezo.
Speaker 2 (10:09):
Wait till and give us your number, because I don't
think I made a mistake.
Speaker 5 (10:13):
Everything has to be the instructions.
Speaker 3 (10:16):
No, you didn't.
Speaker 2 (10:19):
I just I'm checking. I'm looking at my work. I
did it right.
Speaker 3 (10:22):
Add the check digit to the sum.
Speaker 1 (10:24):
If the result is not a multiple of ten, then
the credit card number is invalid.
Speaker 4 (10:30):
So when we omitted the check number, the last number,
then I started with the number that was right before it.
Did I do that wrong? Should I have skipped a
thing and started with the other one?
Speaker 3 (10:42):
No? Double every other number.
Speaker 4 (10:45):
Right, But I'm start I started with the last number,
which was the last number, omitting the check number. That's correct, okay,
and it's wrong. I checked my work like three times.
Speaker 3 (10:58):
But you were iffy on if six and six is twelve.
Speaker 5 (11:01):
No, I wasn't.
Speaker 3 (11:04):
I gave you the very clear directions.
Speaker 2 (11:08):
Are you sure we're not supposed to do anything with
the digits we didn't double?
Speaker 3 (11:13):
Yeah, because that says hold on, let me get this
right here. Those digits don't matter.
Speaker 1 (11:19):
Next time a checkout page flashes that annoying error message,
remember a simple piece of math under the hood just
saved a little time and money for everyone involved. One
becomes two, two becomes four, to three becomes six, four
becomes eight, five becomes one, six becomes three, seven becomes five,
(11:49):
eight becomes seven, nine becomes nine.
Speaker 2 (11:52):
Because if I add those original digits, then I satisfy
your algorithm. It doesn't say to bring them down, because
then I have a double every other number starting at
the right seventy, then some multiple tens.
Speaker 3 (12:10):
Some the resulting digits. It doesn't say to bring them
all down.
Speaker 2 (12:14):
But the resulting digits is that, including the new ones
and the original.
Speaker 5 (12:18):
Ones, where's my graph? And if I do that, it
doesn't come divide by ten.
Speaker 4 (12:29):
All I know is this works, and I'm always proud
of myself when it doesn't like auto fill, and I
can and I can fill it in from memory.
Speaker 1 (12:42):
Diane, that's embarrassing. That's embarrassing. That's like your you bring
I don't think you do. You bring them down. Yes,
you do bring the resulting digits down, the skip digits.
Speaker 3 (12:52):
Yes, you do so without doubling them though correct.
Speaker 1 (12:55):
So if you had a two to a one and
a two, it would be four on four?
Speaker 3 (13:04):
Would it be five?
Speaker 1 (13:05):
Now I'm talking about bringing them down. If it was
two one two, the two gets doubled, the one gets
brought down, the two gets doubled, and then whatever comes
after that.
Speaker 2 (13:16):
Oh yeah, you just picked three instead of saying four,
which should make it easier to follow. Yes, so you
do include the non doubled digits as well.
Speaker 3 (13:25):
Oh okay, well then there you go down.
Speaker 2 (13:26):
Then you add the check digit to that sum, and
that gives you a multiple of test.
Speaker 3 (13:30):
Has to be okay, so I made an error. I
made an error.
Speaker 1 (13:34):
So now take all of take that some and then
just add in the skipped over numbers.
Speaker 2 (13:40):
Now, like I said, I got.
Speaker 3 (13:42):
What does that give? That is a multiple of tests?
Speaker 2 (13:45):
Diane saying she's still not getting.
Speaker 3 (13:47):
Yeah, that's on that that tracks what.
Speaker 2 (13:49):
Were what was your second and third foursome? Diane?
Speaker 4 (13:55):
I don't even know what you're talking about because I
just did what I thought you just said to do
and isn't divide by ten?
Speaker 3 (14:02):
But are you good at math?
Speaker 5 (14:04):
Great?
Speaker 4 (14:06):
And I my hackles are going up? Now why because
I'm doing this incorrectly? This is like this, I may
as well be back in geometry class.
Speaker 1 (14:14):
Okay, start at the beginning. Start at the beginning I did.
I did, starting with the non way that you did.
I did, correctarting with the non check.
Speaker 3 (14:28):
Write down the number five.
Speaker 2 (14:32):
Give us all your numbers to work with, not.
Speaker 3 (14:35):
Not not the check digit.
Speaker 2 (14:38):
Not out loud, just write you have a lot of
scrapaper there. Give us your card number so we can
all try to do it with your card. No, Diane,
we're not going.
Speaker 5 (14:47):
To give it out.
Speaker 3 (14:49):
I also have a cart full of T shirts? All right?
Did you write them out?
Speaker 5 (14:54):
Yeah?
Speaker 1 (14:54):
Okay, starting with the non check digit, correct the right, Yes,
every other number gets doubled, six becomes twelve, and then
the numbers that you're skipping those stay the same.
Speaker 2 (15:11):
I mean, an easy way to describe that as just
it's the first and third numbers from each quartet.
Speaker 3 (15:17):
Okay, you think that's gonna work.
Speaker 2 (15:20):
It didn't work the first time.
Speaker 1 (15:21):
So write those down? Did you bring down? Did you
bring down?
Speaker 3 (15:25):
Diane?
Speaker 2 (15:26):
Maybe don't work in pen?
Speaker 5 (15:28):
Oh my god?
Speaker 3 (15:29):
What's wrong?
Speaker 5 (15:30):
Is that?
Speaker 2 (15:30):
Right? Eight?
Speaker 3 (15:33):
Eighth, sixteen one?
Speaker 2 (15:35):
Six?
Speaker 3 (15:36):
It's actually a seven?
Speaker 5 (15:37):
There?
Speaker 2 (15:38):
There are you saying air?
Speaker 5 (15:41):
No there?
Speaker 3 (15:42):
Oh there, don't stop there? What are you doing there, Diane?
Speaker 2 (15:47):
I have that on a hat.
Speaker 5 (15:48):
Fourteen, fourteen and four. It's twenty one.
Speaker 3 (15:53):
Did you add the check number?
Speaker 5 (15:55):
Twenty four? It's the same number I got last time.
Speaker 2 (15:57):
She's not pulling down digits.
Speaker 3 (15:59):
I am no you're not.
Speaker 2 (16:00):
I can see that final row is too few numbers.
Speaker 3 (16:03):
Why are you covering the numbers?
Speaker 5 (16:07):
No, I'm not.
Speaker 2 (16:08):
Going to do anything with this.
Speaker 3 (16:10):
Come on here, give it to me. If you don't
trust Tyler, give.
Speaker 5 (16:14):
It to me. I trust Tyler.
Speaker 3 (16:15):
I get handed to him. I mean n egg salad.
I didn't even look at it, but I felt it.
Speaker 5 (16:21):
There's no raised numbers on that card. You didn't feel anything.
Speaker 3 (16:26):
Why can't you get it right?
Speaker 5 (16:28):
Cause I'm dumb in math?
Speaker 3 (16:30):
Can I know, Diane? Don't talk about like that line three.
Speaker 4 (16:33):
I followed your directions and I got it wrong, hence
my math anxiety.
Speaker 3 (16:40):
But now your hackles are up. Yeah, I know what
your hackles to be up. Hi, who's this?
Speaker 1 (16:47):
Hey me?
Speaker 3 (16:48):
Did you get it?
Speaker 2 (16:51):
Yeah? I got it?
Speaker 7 (16:52):
And uh, I also know who's been taking my visa
gift card money every Christmas that my grandparents feet to
get for me. They would they would.
Speaker 6 (17:04):
Get like four, three, you know, four or five of them.
I would say, back then, you know, the early two thousands,
and like one of the four would are the money
would already been used up, like somewhere in Florida.
Speaker 3 (17:19):
Blah blah blah.
Speaker 7 (17:21):
So now I know.
Speaker 3 (17:22):
Who's now you know who's got exactly?
Speaker 7 (17:25):
I think they need to.
Speaker 6 (17:27):
I think for about sixty years overdue on that algorithm.
Speaker 3 (17:30):
Right, well, it's loon, but he figured it out. Isn't
it weird that this has.
Speaker 5 (17:34):
Been around that long and nobody knew.
Speaker 1 (17:38):
No, and everybody thought, oh my god, how did it know?
It must have run my numbers? How you doing over there?
Speaker 2 (17:43):
So, Diane, what was the original number that you got?
Speaker 3 (17:47):
Twenty four?
Speaker 5 (17:48):
Yeah? When adding the check number is the joy is
twenty four?
Speaker 3 (17:52):
Check digit.
Speaker 2 (17:54):
Ten fourteen sixteen eighteen twenty three. No, there's no way
you got such a low number. Just a quick I'm
not even done yet, But are you counting dragging down
the non touch digits?
Speaker 4 (18:15):
That's what I did the first time. I didn't count those.
But then even when I got the.
Speaker 2 (18:21):
Crap I.
Speaker 4 (18:23):
Three six feet thirteen fifteen, sixteen twenty one two.
Speaker 3 (18:33):
Four, Okay, you're way over twenty four.
Speaker 4 (18:35):
Now because I'm doing it this other way, thirty two
crap I cauna start over THIRTYO.
Speaker 2 (18:42):
I mean it is on Elliott. He did give you
improper instructions.
Speaker 3 (18:46):
You're supposed to bring down those non double digits.
Speaker 5 (18:52):
And then I got fifty. I got it. I did
give me my credit card.
Speaker 3 (19:04):
I'm holding you.
Speaker 1 (19:05):
No, give you my credit I don't want to reach
over the board credit card if it spills, and give
you my credit card.
Speaker 4 (19:10):
I got fifty, give you my credit card. Get off
my numbers, and I have Diane's identity. Yes, we sallied
long enough.
Speaker 3 (19:20):
But isn't that cool?
Speaker 2 (19:22):
It's interesting. I certainly never heard of it before.
Speaker 1 (19:24):
I've never what's wrong? That was stressful, but now you
know you have a legit credit card. The person who
what's wrong, Kristen?
Speaker 3 (19:32):
Does the final number always always No, it's just it's
divisible by ten, a multiple of ten.
Speaker 1 (19:39):
The final number will always be a multiple of ten.
Speaker 3 (19:44):
But it doesn't like mean No, it doesn't. Fifty doesn't
mean like Diane's great.
Speaker 1 (19:50):
It just that's it. It's just a multiple of tents.
But think how far back that goes. I feel bad
that I didn't tell everybody to bring it down at first,
but they got it since then.
Speaker 2 (20:00):
But it will make Diane feel better that people are
calling you stupid elliot
All right, does everybody have their credit card out and
you can see the numbers?
Speaker 2 (00:04):
Yeah, flip it around.
Speaker 1 (00:06):
Okay, now, out of curiosity, the first number of your
credit card?
Speaker 3 (00:13):
I am yes, what is it?
Speaker 4 (00:16):
No?
Speaker 3 (00:16):
No, I'm not going to ask you to read the
whole thing? Five five MasterCard? Yeah, thank you.
Speaker 1 (00:25):
Anybody with a MasterCard knows it starts with a five.
Anybody with a Visa knows it starts with a four.
Anybody with a Discover knows it starts with a six.
Speaker 2 (00:33):
I didn't know that.
Speaker 1 (00:34):
Oh really, the first number is always the manupactent.
Speaker 3 (00:40):
I don't know type of the card, yeah, exactly.
Speaker 1 (00:44):
Now, before we get into this, everybody has filled out
a form online and you have to input your credit
card or even maybe maybe not online but at a
retailer or something like that, and you have to put
in your credit card number and you type in your
credit card number, and I know a lot of people
have it saved and stuff like that, and it just
fills in. But if you ever have to type in
(01:04):
your credit card number and you hit you make a mistake, right,
you make a you make a very quick mistake, and
you hit enter, and immediately you get invalid credit card number.
Speaker 3 (01:17):
How do they know that?
Speaker 5 (01:20):
I don't know.
Speaker 1 (01:21):
You think it ran your background that quick to your
bank and knows exactly what your credit card number is? Yes,
I thought it did, like that, it was able to
trace us all the way back to your bank and
know whether or not that was your correct credit card
number or not.
Speaker 2 (01:35):
I honestly did think that.
Speaker 6 (01:37):
No.
Speaker 3 (01:37):
Oh no, not at all, Diane. How does it know
like that?
Speaker 5 (01:43):
I don't know.
Speaker 1 (01:44):
It doesn't have all of your ID, so, I mean,
it's not going to know in the blink of an eye.
It would be the fastest computer in the world to
be able to go back and decipher all of that.
Speaker 2 (01:53):
I thought it was. I really did.
Speaker 3 (01:56):
No, that's okay, that's okay, But that's not that's not
the case.
Speaker 5 (02:02):
What what's the answer?
Speaker 3 (02:05):
The loom algorithm? Loom like loon, loom l u h
n loon.
Speaker 2 (02:11):
That's what you meant, like the all over bodies the.
Speaker 1 (02:13):
Odoranm Yeah, no, no, no, the loon algorithm, Diane explain
the lun algorithm.
Speaker 5 (02:19):
No idea.
Speaker 2 (02:21):
That's not fair. If he's never heard of it. I've
never heard of it either.
Speaker 3 (02:24):
It was patented in nineteen sixty.
Speaker 2 (02:28):
By the credit card companies.
Speaker 3 (02:31):
No by IBM researcher Hans Peter Loon.
Speaker 2 (02:38):
What is it?
Speaker 3 (02:40):
It is a out, Diane. Don't look anything up.
Speaker 1 (02:44):
Okay, please don't look anything up because you're going.
Speaker 3 (02:47):
To ruin it.
Speaker 1 (02:47):
Okay, I'm going to walk you through it. But it
is an algorithm, and it works on every credit card
without fail every That's how it knows like that if
something's wrong. So, for example, I already told you, the
first number is going to tell is going to tell
you what the make of the credit card is Visa MasterCard,
(03:12):
Discover American Express. The next several numbers are going to
be your account number.
Speaker 3 (03:22):
Sometimes it's three, sometimes it's five.
Speaker 1 (03:24):
It could be more than that, but it's going to
give you your actual account number.
Speaker 2 (03:29):
Can I say in my defense, I did know that
something early on indicated what the card was, because you
see that logo then pop up on some former I
didn't realize it was only the one digit.
Speaker 3 (03:40):
Yeah, okay, No, that's okay.
Speaker 2 (03:42):
And you're saying my account itself starts at the second digit. Yes, okay, yeah,
I didn't know that.
Speaker 1 (03:49):
And what's the last digit? Don't have to you don't
have to tell me the number. I know you're very secretive,
because now I will have add two numbers in.
Speaker 2 (03:56):
Your credit card. What is the nine or the last digit?
Speaker 3 (04:03):
That's your check digit? You a check digit, So are
you ready?
Speaker 1 (04:13):
It says here the next five to seven digits pinpoint
a banker institution that issued the car. What remains minus
the final digit is your specific account number with that bank.
The final digit is called the check digit and has
nothing to do with any financial institution. Issuers tack it
on so that the whole card number will satisfy a
(04:35):
specific mathematical test known as the loon algorithm.
Speaker 3 (04:43):
All right, here we go.
Speaker 2 (04:46):
Do we need a piece of paper?
Speaker 1 (04:48):
Um? Yeah, this will probably help. This will probably help.
I should have told everybody get a piece of paper. Diane,
do you have a piece of paper? Tyler, do you
have a piece of paper? Christen, do you have a
piece of paper? Write out all but the last digit
of your credit card number?
Speaker 3 (05:07):
So write down all the numbers.
Speaker 2 (05:08):
Okay, dude. If case Kristen has a question, oh you
want me to turn you on, I could turn you on.
Half her up as well. Okay, can you read that again?
Speaker 1 (05:17):
Plays I was talking, write out all but the last digit,
the nine correct the check digit. Write out all but
the last digit of the card. Okay, okay, double every
other number, starting at the right.
Speaker 5 (05:43):
I don't understand. What do you mean?
Speaker 2 (05:44):
Double it?
Speaker 5 (05:45):
So if it's six, it becomes the twelve.
Speaker 3 (05:48):
I mean, that's Diana.
Speaker 1 (05:50):
You couldn't be more accurate. Hey, what's your check digit?
Did you you can reveal your whole number? Did you
write it down?
Speaker 5 (05:56):
Yeah?
Speaker 3 (05:58):
Double every other number starting from the right. Correct. You
know you didn't write down the check digit.
Speaker 2 (06:05):
Right, it's like reading Hebrew, Kristen.
Speaker 3 (06:08):
Double, Are you with me?
Speaker 1 (06:09):
Double every other number, starting at the right, I think so.
Speaker 3 (06:19):
All right, Well someone's hunting and pecking over there.
Speaker 2 (06:22):
Yep, is Kristen good?
Speaker 3 (06:25):
Are you doing every other digit? Diane? Yes? Are you good?
I'm writing down the instructions because I walk so I
never bring my wallet over so I don't have a card.
Oh okay, all right, that's fine.
Speaker 2 (06:36):
I'm writing down the rules so when I go home,
some rand's not done yet, No I am.
Speaker 5 (06:42):
I'm just drawing lines to make sure that they're the.
Speaker 2 (06:44):
Highest number we could have gotten? Is in eighteen?
Speaker 6 (06:46):
Right?
Speaker 1 (06:47):
Well that's a nine, Diane. If I double nine, what
is that?
Speaker 5 (06:51):
Eighteen?
Speaker 3 (06:52):
Very good? Dog, you can I ask you a question.
Speaker 2 (06:57):
What are you doing?
Speaker 6 (06:59):
Right?
Speaker 5 (06:59):
She's still write No, I'm just I was doing that.
Speaker 3 (07:02):
Okay, I don't know what that is.
Speaker 5 (07:03):
I don't want you see my number. You just don't
trust you.
Speaker 2 (07:06):
Photographic is your memory?
Speaker 3 (07:07):
Did you Yep?
Speaker 2 (07:09):
He committed it? Yep, he committed it.
Speaker 1 (07:11):
Five Some the resulting digits not numbers, digits. So your
six that became a twelve is two and one is three? Yeah,
some the resulting digits.
Speaker 2 (07:31):
Wait does that? Was I supposed to bring down the digits?
I did not double from the number?
Speaker 1 (07:39):
Double every other number starting at the right. Okay, if
you doubled a seven to of fourteen in step two,
this will become one plus four.
Speaker 2 (07:53):
That is my number. Now he's seen my card as well.
Speaker 1 (07:58):
So the answer to your quotession is no, don't bring
down those numbers. Those numbers are zeros. They don't matter,
which is why we did every other number.
Speaker 4 (08:07):
And if it's still a singular number, then so like
you're two was doubled to a four.
Speaker 1 (08:14):
Yea, it's a four, oh my god. And zero is zero?
Speaker 5 (08:21):
Thanks christ.
Speaker 3 (08:23):
By the way, Diane, not the dumbest question.
Speaker 5 (08:27):
Okay, I did that?
Speaker 1 (08:30):
Did you sum them, HM, add the check digit to
the sum.
Speaker 2 (08:39):
So that was that final digit be left off?
Speaker 6 (08:41):
Yes?
Speaker 3 (08:41):
In your case, I believe it's a nine.
Speaker 2 (08:43):
Well it could be.
Speaker 3 (08:45):
Add the check digit. Okay, Diane, I swear to God.
Were you just using fingers?
Speaker 1 (08:53):
No?
Speaker 5 (08:53):
I was covering up the ones that I was adding
in my head.
Speaker 2 (08:58):
Finger paint.
Speaker 5 (09:01):
Okay, Okay, I double checked, Okay, perfect. I have that number.
Speaker 1 (09:08):
You have that number, including your yes, including your check
your check digit.
Speaker 5 (09:13):
Yeah.
Speaker 3 (09:17):
And you have the total, the sum plus the check digit.
Speaker 2 (09:21):
Yeah, Tyler, I have that as well.
Speaker 3 (09:25):
Give me that number, Diane, the total number. It ain't
gonna mess nothing up, can you?
Speaker 2 (09:31):
Is it possible to work back?
Speaker 3 (09:32):
Or it's not?
Speaker 2 (09:33):
Okay, it's not.
Speaker 5 (09:34):
Give me if my account gets compromised.
Speaker 3 (09:38):
Look at me. I got a jacket on with dollar signs.
What could go wrong?
Speaker 5 (09:41):
Give give me the number twenty four.
Speaker 3 (09:44):
You made a mistake, Tyler, forty three. You also made
a mistake.
Speaker 1 (09:51):
Every single credit card in order to work, must be
a multiple of ten, and that's how they know the
second you hit enter.
Speaker 3 (10:03):
If it's not a multiple of ten, donezo.
Speaker 2 (10:09):
Wait till and give us your number, because I don't
think I made a mistake.
Speaker 5 (10:13):
Everything has to be the instructions.
Speaker 3 (10:16):
No, you didn't.
Speaker 2 (10:19):
I just I'm checking. I'm looking at my work. I
did it right.
Speaker 3 (10:22):
Add the check digit to the sum.
Speaker 1 (10:24):
If the result is not a multiple of ten, then
the credit card number is invalid.
Speaker 4 (10:30):
So when we omitted the check number, the last number,
then I started with the number that was right before it.
Did I do that wrong? Should I have skipped a
thing and started with the other one?
Speaker 3 (10:42):
No? Double every other number.
Speaker 4 (10:45):
Right, But I'm start I started with the last number,
which was the last number, omitting the check number. That's correct, okay,
and it's wrong. I checked my work like three times.
Speaker 3 (10:58):
But you were iffy on if six and six is twelve.
Speaker 5 (11:01):
No, I wasn't.
Speaker 3 (11:04):
I gave you the very clear directions.
Speaker 2 (11:08):
Are you sure we're not supposed to do anything with
the digits we didn't double?
Speaker 3 (11:13):
Yeah, because that says hold on, let me get this
right here. Those digits don't matter.
Speaker 1 (11:19):
Next time a checkout page flashes that annoying error message,
remember a simple piece of math under the hood just
saved a little time and money for everyone involved. One
becomes two, two becomes four, to three becomes six, four
becomes eight, five becomes one, six becomes three, seven becomes five,
(11:49):
eight becomes seven, nine becomes nine.
Speaker 2 (11:52):
Because if I add those original digits, then I satisfy
your algorithm. It doesn't say to bring them down, because
then I have a double every other number starting at
the right seventy, then some multiple tens.
Speaker 3 (12:10):
Some the resulting digits. It doesn't say to bring them
all down.
Speaker 2 (12:14):
But the resulting digits is that, including the new ones
and the original.
Speaker 5 (12:18):
Ones, where's my graph? And if I do that, it
doesn't come divide by ten.
Speaker 4 (12:29):
All I know is this works, and I'm always proud
of myself when it doesn't like auto fill, and I
can and I can fill it in from memory.
Speaker 1 (12:42):
Diane, that's embarrassing. That's embarrassing. That's like your you bring
I don't think you do. You bring them down. Yes,
you do bring the resulting digits down, the skip digits.
Speaker 3 (12:52):
Yes, you do so without doubling them though correct.
Speaker 1 (12:55):
So if you had a two to a one and
a two, it would be four on four?
Speaker 3 (13:04):
Would it be five?
Speaker 1 (13:05):
Now I'm talking about bringing them down. If it was
two one two, the two gets doubled, the one gets
brought down, the two gets doubled, and then whatever comes
after that.
Speaker 2 (13:16):
Oh yeah, you just picked three instead of saying four,
which should make it easier to follow. Yes, so you
do include the non doubled digits as well.
Speaker 3 (13:25):
Oh okay, well then there you go down.
Speaker 2 (13:26):
Then you add the check digit to that sum, and
that gives you a multiple of test.
Speaker 3 (13:30):
Has to be okay, so I made an error. I
made an error.
Speaker 1 (13:34):
So now take all of take that some and then
just add in the skipped over numbers.
Speaker 2 (13:40):
Now, like I said, I got.
Speaker 3 (13:42):
What does that give? That is a multiple of tests?
Speaker 2 (13:45):
Diane saying she's still not getting.
Speaker 3 (13:47):
Yeah, that's on that that tracks what.
Speaker 2 (13:49):
Were what was your second and third foursome? Diane?
Speaker 4 (13:55):
I don't even know what you're talking about because I
just did what I thought you just said to do
and isn't divide by ten?
Speaker 3 (14:02):
But are you good at math?
Speaker 5 (14:04):
Great?
Speaker 4 (14:06):
And I my hackles are going up? Now why because
I'm doing this incorrectly? This is like this, I may
as well be back in geometry class.
Speaker 1 (14:14):
Okay, start at the beginning. Start at the beginning I did.
I did, starting with the non way that you did.
I did, correctarting with the non check.
Speaker 3 (14:28):
Write down the number five.
Speaker 2 (14:32):
Give us all your numbers to work with, not.
Speaker 3 (14:35):
Not not the check digit.
Speaker 2 (14:38):
Not out loud, just write you have a lot of
scrapaper there. Give us your card number so we can
all try to do it with your card. No, Diane,
we're not going.
Speaker 5 (14:47):
To give it out.
Speaker 3 (14:49):
I also have a cart full of T shirts? All right?
Did you write them out?
Speaker 5 (14:54):
Yeah?
Speaker 1 (14:54):
Okay, starting with the non check digit, correct the right, Yes,
every other number gets doubled, six becomes twelve, and then
the numbers that you're skipping those stay the same.
Speaker 2 (15:11):
I mean, an easy way to describe that as just
it's the first and third numbers from each quartet.
Speaker 3 (15:17):
Okay, you think that's gonna work.
Speaker 2 (15:20):
It didn't work the first time.
Speaker 1 (15:21):
So write those down? Did you bring down? Did you
bring down?
Speaker 3 (15:25):
Diane?
Speaker 2 (15:26):
Maybe don't work in pen?
Speaker 5 (15:28):
Oh my god?
Speaker 3 (15:29):
What's wrong?
Speaker 5 (15:30):
Is that?
Speaker 2 (15:30):
Right? Eight?
Speaker 3 (15:33):
Eighth, sixteen one?
Speaker 2 (15:35):
Six?
Speaker 3 (15:36):
It's actually a seven?
Speaker 5 (15:37):
There?
Speaker 2 (15:38):
There are you saying air?
Speaker 5 (15:41):
No there?
Speaker 3 (15:42):
Oh there, don't stop there? What are you doing there, Diane?
Speaker 2 (15:47):
I have that on a hat.
Speaker 5 (15:48):
Fourteen, fourteen and four. It's twenty one.
Speaker 3 (15:53):
Did you add the check number?
Speaker 5 (15:55):
Twenty four? It's the same number I got last time.
Speaker 2 (15:57):
She's not pulling down digits.
Speaker 3 (15:59):
I am no you're not.
Speaker 2 (16:00):
I can see that final row is too few numbers.
Speaker 3 (16:03):
Why are you covering the numbers?
Speaker 5 (16:07):
No, I'm not.
Speaker 2 (16:08):
Going to do anything with this.
Speaker 3 (16:10):
Come on here, give it to me. If you don't
trust Tyler, give.
Speaker 5 (16:14):
It to me. I trust Tyler.
Speaker 3 (16:15):
I get handed to him. I mean n egg salad.
I didn't even look at it, but I felt it.
Speaker 5 (16:21):
There's no raised numbers on that card. You didn't feel anything.
Speaker 3 (16:26):
Why can't you get it right?
Speaker 5 (16:28):
Cause I'm dumb in math?
Speaker 3 (16:30):
Can I know, Diane? Don't talk about like that line three.
Speaker 4 (16:33):
I followed your directions and I got it wrong, hence
my math anxiety.
Speaker 3 (16:40):
But now your hackles are up. Yeah, I know what
your hackles to be up. Hi, who's this?
Speaker 1 (16:47):
Hey me?
Speaker 3 (16:48):
Did you get it?
Speaker 2 (16:51):
Yeah? I got it?
Speaker 7 (16:52):
And uh, I also know who's been taking my visa
gift card money every Christmas that my grandparents feet to
get for me. They would they would.
Speaker 6 (17:04):
Get like four, three, you know, four or five of them.
I would say, back then, you know, the early two thousands,
and like one of the four would are the money
would already been used up, like somewhere in Florida.
Speaker 3 (17:19):
Blah blah blah.
Speaker 7 (17:21):
So now I know.
Speaker 3 (17:22):
Who's now you know who's got exactly?
Speaker 7 (17:25):
I think they need to.
Speaker 6 (17:27):
I think for about sixty years overdue on that algorithm.
Speaker 3 (17:30):
Right, well, it's loon, but he figured it out. Isn't
it weird that this has.
Speaker 5 (17:34):
Been around that long and nobody knew.
Speaker 1 (17:38):
No, and everybody thought, oh my god, how did it know?
It must have run my numbers? How you doing over there?
Speaker 2 (17:43):
So, Diane, what was the original number that you got?
Speaker 3 (17:47):
Twenty four?
Speaker 5 (17:48):
Yeah? When adding the check number is the joy is
twenty four?
Speaker 3 (17:52):
Check digit.
Speaker 2 (17:54):
Ten fourteen sixteen eighteen twenty three. No, there's no way
you got such a low number. Just a quick I'm
not even done yet, But are you counting dragging down
the non touch digits?
Speaker 4 (18:15):
That's what I did the first time. I didn't count those.
But then even when I got the.
Speaker 2 (18:21):
Crap I.
Speaker 4 (18:23):
Three six feet thirteen fifteen, sixteen twenty one two.
Speaker 3 (18:33):
Four, Okay, you're way over twenty four.
Speaker 4 (18:35):
Now because I'm doing it this other way, thirty two
crap I cauna start over THIRTYO.
Speaker 2 (18:42):
I mean it is on Elliott. He did give you
improper instructions.
Speaker 3 (18:46):
You're supposed to bring down those non double digits.
Speaker 5 (18:52):
And then I got fifty. I got it. I did
give me my credit card.
Speaker 3 (19:04):
I'm holding you.
Speaker 1 (19:05):
No, give you my credit I don't want to reach
over the board credit card if it spills, and give
you my credit card.
Speaker 4 (19:10):
I got fifty, give you my credit card. Get off
my numbers, and I have Diane's identity. Yes, we sallied
long enough.
Speaker 3 (19:20):
But isn't that cool?
Speaker 2 (19:22):
It's interesting. I certainly never heard of it before.
Speaker 1 (19:24):
I've never what's wrong? That was stressful, but now you
know you have a legit credit card. The person who
what's wrong, Kristen?
Speaker 3 (19:32):
Does the final number always always No, it's just it's
divisible by ten, a multiple of ten.
Speaker 1 (19:39):
The final number will always be a multiple of ten.
Speaker 3 (19:44):
But it doesn't like mean No, it doesn't. Fifty doesn't
mean like Diane's great.
Speaker 1 (19:50):
It just that's it. It's just a multiple of tents.
But think how far back that goes. I feel bad
that I didn't tell everybody to bring it down at first,
but they got it since then.
Speaker 2 (20:00):
But it will make Diane feel better that people are
calling you stupid elliot
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