Call me crazy, but this story sounds a bit too fishy. It seems to me, hes looking for a way, simply, to get credit card numbers. if that is the case. Google the term "DarkCoding" and click on your first or second link. That ell give you almost 100 Credit card number. But no CCV numbers. And if your telling the truth, and he wants you to "Create" some program. Better start Learning them Algorithyms(spelling?). Because thats how all credit cards are verified.