Maybe you should take a look here: http://en.wikipedia.org/wiki/Luhn_algorithm
Here is Java snippet which validates a credit card number which should be easy enough to convert to JavaScript:
public static boolean isValidCC(String number) {
final int[][] sumTable = {{0,1,2,3,4,5,6,7,8,9},{0,2,4,6,8,1,3,5,7,9}};
int sum = 0, flip = 0;
for (int i = number.length() - 1; i >= 0; i--) {
sum += sumTable[flip++ & 0x1][Character.digit(number.charAt(i), 10)];
}
return sum % 10 == 0;
}