Thanks, Gerhard and Peter.

By "prefix analysis" I meant IIN/BIN routing and the like; and yes, of course 
there's Luhn calculation, but if you have a stored PAN, it seems unlikely that 
you're going to be calculating the Luhn again-you presumably did that when you 
got it, no? But I suppose some poorly designed application might not get around 
to it until later. BTW, the Luhn is calculated on ALL the preceding digits, not 
just the remaining.

Gerhard: you wrote:
>Keeping the number in unsigned packed form can speed verification
How is x'123F' faster to verify than x'123C'?

How does packed format help with Endian conversion? Never having really worked 
with little-Endian, it always makes my head hurt.

Also:
>unsigned hex was a compromise
When you say 'unsigned hex', do you mean x'0123'? or x'007B'? Not clear to me...

...phsiii

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