| > 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.

Correct

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

It's standard on VISAs.  I don't know about the others

| > 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.

My VISAs have had them since .. '98 I think

| > 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?

On the VISA, that number is the same as the first 4 digits of your card
number.

.Todd


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