Twin Error Detection in Luhn's Algorithm

The Luhn formula or algorithm was created by Hans Peter Luhn in the 1950s to solve storage and retrieval problems. This algorithm has been given world wide application such as in the banking industry, the mobile phone industry among others. For instance, credit cards numbers that uniquely identifies an account to its respective owner uses the Luhn formula. Insecurity and fraud cases associated with credit cards has necessitated the need to analyze the algorithms error detection and correction capabilities. It is known that Luhn formula does not detect twin errors 2255, 3366 and 4477. This paper analyzes the detection of these twin errors and discusses the key considerations in algorithm development to avoid such an error.