You know that cute little 4 digit number that's now printed above your 
credit card number (on the front of the card? on the back of the card?) I 
understand it's more anti-fraud protection.

a) Is this the standard now on all credit card types? (ie Visa, MC, Amex, 
Discover)

b) Can I expect everyone to have it, if they have their card in hand or 
might there be old, not-yet-expired cards that don't have it.

c) Does anyone have the rules for some kind of checksum algorithm that 
would verify that the extra few digits are in fact correct for that credit 
card number?

tia,
Tobe Goldfinger
jdt technologies, ltd.
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