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Jan 20, 2018 at 23:19 comment added John Deters Consider adding the the fact that the last 4 digits of a PAN are permitted by PCI to be preserved for printing on the receipt, matching card numbers on returns, etc. When you subtract those 4 additional digits from the set of possible guesses (you can still use the Luhn check digit to exclude 9 out of 10 guesses as invalid) you're down to guessing only five digits for a given 16-digit PAN with a pre-determined BIN. The system you described above could crack those literally in real time.
Jan 20, 2018 at 23:09 history edited Royce Williams CC BY-SA 3.0
trim some non-functional hashcat output for simplicity
Jan 20, 2018 at 23:00 history edited Royce Williams CC BY-SA 3.0
clarify 6-digit BIN in examples
Jan 20, 2018 at 22:54 history answered Royce Williams CC BY-SA 3.0