package Business::CCCheck; #require 5.005_62; use strict; #use diagnostics; #use warnings; use vars qw($VERSION @ISA @EXPORT_OK %EXPORT_TAGS @CC_months); require Exporter; @ISA = qw(Exporter); $VERSION = do { my @r = (q$Revision: 0.05 $ =~ /\d+/g); sprintf "%d."."%02d" x $#r, @r }; @EXPORT_OK = qw( @CC_months CC_clean CC_digits CC_format CC_year CC_gen_date CC_is_name CC_is_addr CC_is_zip CC_expired ); %EXPORT_TAGS = ( all => [@EXPORT_OK], ); @CC_months = ('Jan','Feb','Mar','Apr','May','Jun','Jul','Aug','Sep','Oct','Nov','Dec'); my $n = 3; # minimum length for a text string or word list sub CC_expired { my ($mon,$yr) = @_; return 1 unless $mon && $yr; return 1 if $mon =~ /\D/ || $yr =~ /\D/; return 1 if $mon < 1 || $mon > 12; my $curyr = &CC_year; return 1 if $yr < $curyr; if ( $yr == $curyr ) { my $curmon = (localtime)[4]; return ($mon > $curmon) ? undef : 1; } return undef; } sub CC_is_zip { my ($zip) = @_; return '' unless $zip; $zip = sprintf ( "%05d", $zip ) if ( $zip && $zip =~ /^\d*\.*\d*$/ && $zip ne '.' ); return ( length($zip) < 5 || $zip =~ /[^0-9a-zA-Z\ \-\.]/o ) ? '' : $zip; } sub CC_is_name { return '' unless $_[0]; return ( length($_[0]) < $n ) ? '' : $_[0]; } sub CC_is_addr { my ($addr) = @_; return '' unless $addr; my $i = 0; while ( $addr =~ /\w+/g ) { ++$i; } # count words return ( $i < $n || $addr !~ /\n/ ) ? '' : $addr; } sub CC_format { my ($ccn) = @_; return '' unless $ccn; # reformat cc number $ccn =~ tr/0-9//cd; my @cchars = split(//, $ccn); my $i = 0; $ccn = ''; foreach ( 0..$#cchars ) { $ccn .= $cchars[$_]; ++$i; if ( $i >= 4 ) { $ccn .= ' '; $i = 0; } } return $ccn; } sub CC_year { return (1900 + (localtime)[5]); } sub CC_clean { my ($ccn) = @_; return '' unless $ccn; $ccn =~ tr/\- //d; # remove blanks and dashes return ( $ccn =~ /\D/ ) ? '' : $ccn; } sub CC_digits { my ($ccn) = @_; return '' unless $ccn; my $i = length($ccn); my $type = ''; # determine the card type if ( $ccn =~ /^51/ || $ccn =~ /^52/ || $ccn =~ /^53/ || $ccn =~ /^54/ || $ccn =~ /^55/ ) { $type = 'MasterCard' if $i == 16; } elsif ( $ccn =~ /^4/ ) { $type = 'VISA' if $i == 13 || $i == 16; } elsif ( $ccn =~ /^34/ || $ccn =~ /^37/ ) { $type = 'AmericanExpress' if $i == 15; } elsif ( $ccn =~ /^300/ || $ccn =~ /^301/ || $ccn =~ /^302/ || $ccn =~ /^303/ || $ccn =~ /^304/ || $ccn =~ /^305/ || $ccn =~ /^36/ || $ccn =~ /^38/ ) { $type = 'DinersClub/Carteblanche' if $i eq 14; } elsif ( $ccn =~ /^6011/ ) { $type = 'Discover' if $i == 16; } elsif ( $ccn =~ /^2014/ || $ccn =~ /^2149/ ) { $type = 'enRoute'; return $type; # early exit } elsif ( $ccn =~ /^3/ ) { $type = 'JCB' if $i == 16; } elsif ( $ccn =~ /^2131/ || $ccn =~ /^1800/ ) { $type = 'JCB' if $i == 15; } return $type unless $type; my @ccn = split('',$ccn); my $even = 0; $ccn = 0; for($i=$#ccn;$i >=0;--$i) { $ccn[$i] *= 2 if $even; $ccn -= 9 if $ccn[$i] > 9; $ccn += $ccn[$i]; $even = ! $even; } $type = '' if $ccn % 10; return $type; } 1; __END__ =head1 NAME Business::CCCheck - Credit Card Check numbers =head1 SYNOPSIS use Business::CCCheck qw( @CC_months CC_year CC_expired CC_is_zip CC_is_name CC_is_addr CC_clean CC_digits CC_format ); =head1 DESCRIPTION This module checks the validity of the numbers and dates for a credit card entry, including the parity of the CC number itself. =over 2 =item @CC_months An array of 3 character text months. i.e. Jan, Feb.... =item $scalar = CC_year Returns the localtime calendar year. =item $scalar = CC_expired(numeric_month,20xx) Returns true if card is expired or month year has bad fromat else false =item $scalar = CC_is_zip(zipcode); Check for valid zip code, returns B or the B. =item $scalar = CC_is_name(name); Check for a name string greater than three characters. Return B if short, otherwise return the B. =item $scalar = CC_is_addr(address); Check for a string containing at least 3 words and one endline. Return B if short, otherwise return the B
. =item $scalar = CC_clean(credit_card_number); Remove blanks and dashes, verify numeric content. Returns B if invalid characters are present, otherwise the cleaned credit card number. =item $scalar = CC_digits(credit_card_number); Pre-process with CC_clean. Returns B if the card number fails the check digit match (except for enRoute which does not require a check digit) otherwise returns exact text identifying the card issuer that is one of: MasterCard VISA AmericanExpress DinersClub/Carteblanche Discover enRoute JCB =item $scalar = CC_format(credit_card_number); Pre-process with CC_clean, CC_digits. Returns the credit card number as a group of quadruples separated by spaces. The trailing (right hand) group will contain any remaining non-quad number set. =back =head1 HOW IT WORKS MOD10 Check Digit calculation Credit Card Validation - Check Digits This document outlines procedures and algorithms for Verifying the accuracy and validity of credit card numbers. Most credit card numbers are encoded with a "Check Digit". A check digit is a digit added to a number (either at the end or the beginning) that validates the authenticity of the number. A simple algorithm is applied to the other digits of the number which yields the check digit. By running the algorithm, and comparing the check digit you get from the algorithm with the check digit encoded with the credit card number, you can verify that you have correctly read all of the digits and that they make a valid combination. Possible uses for this information: When a user has keyed in a credit card number (or scanned it) and you want to validate it before sending it our for debit authorization. When issuing cards, say an affinity card, you might want to add a check digit using the MOD 10 method. LUHN Formula (Mod 10) for Validation of Primary Account Number The following steps are required to validate the primary account number: =over 4 =item Step 1: Double the value of alternate digits of the primary account number beginning with the second digit from the right (the first right--hand digit is the check digit.) =item Step 2: Add the individual digits comprising the products obtained in Step 1 to each of the unaffected digits in the original number. =item Step 3: The total obtained in Step 2 must be a number ending in zero (30, 40, 50, etc.) for the account number to be validated. For example, to validate the primary account number 49927398716: =over 2 =item Step 1: 4 9 9 2 7 3 9 8 7 1 6 x2 x2 x2 x2 x2 ------------------------------ 18 4 6 16 2 =item Step 2: 4 +(1+8)+ 9 + (4) + 7 + (6) + 9 +(1+6) + 7 + (2) + 6 =item Step 3: Sum = 70 : Card number is validated =back =back Note: Card is valid because the 70/10 yields no remainder. The validation applied (last known date 3/96) is the so called LUHN Formula (Mod 10) for Validation of Primary Account Number Validation criteria are: 1. number prefix 2. number of digits 3. mod10 (for all but enRoute which uses only 1 & 2) ... according to the following list of criteria requirements: Card Type Prefix Length Check-Digit Algoritm MC 51 - 55 16 mod 10 VISA 4 13, 16 mod 10 AMX 34, 37 15 mod 10 Diners Club / 300-305, 36, 38 14 mod 10 Carte Blanche Discover 6011 16 mod 10 enRoute 2014, 2149 16 - any - JCB 3 16 mod 10 JCB 2131, 1800 15 mod 10 =item EXPORT_OK @CC_months CC_clean CC_digits CC_format CC_year CC_gen_date CC_is_name CC_is_addr CC_is_zip CC_expired =head1 COPYRIGHT Copyright 2001 - 2006, Michael Robinton This program is free software; you can redistribute it and/or modify it under the terms of the GNU General Public License (except as noted otherwise in individuals sub modules) published by the Free Software Foundation; either version 2 of the License, or (at your option) any later version. This program is distributed in the hope that it will be useful, but WITHOUT ANY WARRANTY; without even the implied warranty of MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the GNU General Public License for more details. You should have received a copy of the GNU General Public License along with this program; if not, write to the Free Software Foundation, Inc., 59 Temple Place - Suite 330, Boston, MA 02111-1307, USA. =head1 AUTHOR Michael Robinton, =cut 1;