1 package Business::CreditCard;
4 use vars qw( @ISA $VERSION $Country );
14 C<Business::CreditCard> - Validate/generate credit card checksums/names
18 use Business::CreditCard;
20 print validate("5276 4400 6542 1319");
21 print cardtype("5276 4400 6542 1319");
22 print generate_last_digit("5276 4400 6542 131");
24 Business::CreditCard is available at a CPAN site near you.
28 These subroutines tell you whether a credit card number is
29 self-consistent -- whether the last digit of the number is a valid
30 checksum for the preceding digits.
32 The validate() subroutine returns 1 if the card number provided passes
33 the checksum test, and 0 otherwise.
35 The cardtype() subroutine returns a string containing the type of
36 card. The list of possible return values is more comprehensive than it used
37 to be, but additions are still most welcome.
39 Possible return values are:
54 "Not a credit card" is returned on obviously invalid data values.
56 Versions before 0.31 may also have returned "Diner's Club/Carte Blanche" (these
57 cards are now recognized as "Discover card").
59 As of 0.30, cardtype() will accept a partial card masked with "x", "X', ".",
60 "*" or "_". Only the first 2-6 digits and the length are significant;
61 whitespace and dashes are removed. To recognize just Visa, MasterCard and
62 Amex, you only need the first two digits; to recognize almost all cards
63 except some Switch cards, you need the first four digits, and to recognize
64 all cards including the remaining Switch cards, you need the first six
67 The generate_last_digit() subroutine computes and returns the last
68 digit of the card given the preceding digits. With a 16-digit card,
69 you provide the first 15 digits; the subroutine returns the sixteenth.
71 This module does I<not> tell you whether the number is on an actual
72 card, only whether it might conceivably be on a real card. To verify
73 whether a card is real, or whether it's been stolen, or to actually process
74 charges, you need a Merchant account. See L<Business::OnlinePayment>.
76 These subroutines will also work if you provide the arguments
77 as numbers instead of strings, e.g. C<validate(5276440065421319)>.
79 =head1 PROCESSING AGREEMENTS
81 Credit card issuers have recently been forming agreements to process cards on
82 other networks, in which one type of card is processed as another card type.
84 By default, Business::CreditCard returns the type the card should be treated as
85 in the US and Canada. You can change this to return the type the card should
86 be treated as in a different country by setting
87 C<$Business::CreditCard::Country> to your two-letter country code. This
88 is probably what you want to determine if you accept the card, or which
89 merchant agreement it is processed through.
91 You can also set C<$Business::CreditCard::Country> to a false value such
92 as the empty string to return the "base" card type. This is probably only
93 useful for informational purposes when used along with the default type.
95 Here are the currently known agreements:
99 =item Most Diner's club is now identified as Discover. (This supercedes the earlier identification of some Diner's club cards as MasterCard inside the US and Canada.)
101 =item JCB cards in the 3528-3589 range are identified as Discover inside the US and Canada.
103 =item China Union Pay cards are identified as Discover cards outside China.
107 =head1 NOTE ON INTENDED PURPOSE
109 This module is for verifying I<real world> B<credit cards>. It is B<NOT> a
110 pedantic implementation of the ISO 7812 standard, a general-purpose LUHN
111 implementation, or intended for use with "creditcard-like account numbers".
117 The Perl Journal and MIT Media Lab
121 Current maintainer is Ivan Kohler <ivan-business-creditcard@420.am>.
122 Please don't bother Jon with emails about this module.
124 Lee Lawrence <LeeL@aspin.co.uk>, Neale Banks <neale@lowendale.com.au> and
125 Max Becker <Max.Becker@firstgate.com> contributed support for additional card
126 types. Lee also contributed a working test.pl. Alexandr Ciornii
127 <alexchorny@gmail.com> contributed code cleanups.
129 =head1 COPYRIGHT AND LICENSE
131 Copyright (C) 1995,1996,1997 Jon Orwant
132 Copyright (C) 2001-2006 Ivan Kohler
133 Copyright (C) 2007-2009 Freeside Internet Services, Inc.
135 This library is free software; you can redistribute it and/or modify
136 it under the same terms as Perl itself, either Perl version 5.8.8 or,
137 at your option, any later version of Perl 5 you may have available.
141 L<Business::CreditCard::Object> is a wrapper around Business::CreditCard
142 providing an OO interface. Assistance integrating this into the base
143 Business::CreditCard distribution is welcome.
145 L<Business::OnlinePayment> is a framework for processing online payments
146 including modules for various payment gateways.
150 @EXPORT = qw(cardtype validate generate_last_digit);
155 $number =~ s/[\s\-]//go;
156 $number =~ s/[x\*\.\_]/x/gio;
158 return "Not a credit card" if $number =~ /[^\dx]/io;
162 local $^W=0; #no warning at next line
163 return "Not a credit card" unless length($number) >= 13 && 0+$number;
167 if $number =~ /^49(03(0[2-9]|3[5-9])|11(0[1-2]|7[4-9]|8[1-2])|36[0-9]{2})[\dx]{10}([\dx]{2,3})?$/o
168 || $number =~ /^564182[\dx]{10}([\dx]{2,3})?$/o
169 || $number =~ /^6(3(33[0-4][0-9])|759[0-9]{2})[\dx]{10}([\dx]{2,3})?$/o;
171 return "VISA card" if $number =~ /^4[\dx]{12}([\dx]{3})?$/o;
174 if $number =~ /^5[1-5][\dx]{14}$/o
175 ;# || ( $number =~ /^36[\dx]{12}/ && $Country =~ /^(US|CA)$/oi );
177 return "Discover card"
178 if $number =~ /^30[0-5][\dx]{11}([\dx]{2})?$/o #diner's: 300-305
179 || $number =~ /^3095[\dx]{10}([\dx]{2})?$/o #diner's: 3095
180 || $number =~ /^3[68][\dx]{12}([\dx]{2})?$/o #diner's: 36
181 || $number =~ /^6011[\dx]{12}$/o
182 || $number =~ /^64[4-9][\dx]{13}$/o
183 || $number =~ /^65[\dx]{14}$/o
184 || ( $number =~ /^62[24-68][\dx]{13}$/o && uc($Country) ne 'CN' ) #CUP
185 || ( $number =~ /^35(2[89]|[3-8][\dx])[\dx]{10}$/o && uc($Country) eq 'US' );
187 return "American Express card" if $number =~ /^3[47][\dx]{13}$/o;
189 #return "Diner's Club/Carte Blanche"
190 # if $number =~ /^3(0[0-59]|[68][\dx])[\dx]{11}$/o;
192 #"Diners Club enRoute"
193 return "enRoute" if $number =~ /^2(014|149)[\dx]{11}$/o;
195 return "JCB" if $number =~ /^(3[\dx]{4}|2131|1800)[\dx]{11}$/o;
197 return "BankCard" if $number =~ /^56(10[\dx][\dx]|022[1-5])[\dx]{10}$/o;
200 if $number =~ /^6(3(34[5-9][0-9])|767[0-9]{2})[\dx]{10}([\dx]{2,3})?$/o;
202 return "China Union Pay"
203 if $number =~ /^62[24-68][\dx]{13}$/o;
206 if $number =~ /^6(304|7(06|09|71))[\dx]{12,15}$/o;
211 sub generate_last_digit {
213 my ($i, $sum, $weight);
217 for ($i = 0; $i < length($number); $i++) {
218 $weight = substr($number, -1 * ($i + 1), 1) * (2 - ($i % 2));
219 $sum += (($weight < 10) ? $weight : ($weight - 9));
222 return (10 - $sum % 10) % 10;
227 my ($i, $sum, $weight);
229 return 0 if $number =~ /[^\d\s]/;
233 return 0 unless length($number) >= 13 && 0+$number;
235 for ($i = 0; $i < length($number) - 1; $i++) {
236 $weight = substr($number, -1 * ($i + 2), 1) * (2 - ($i % 2));
237 $sum += (($weight < 10) ? $weight : ($weight - 9));
240 return 1 if substr($number, -1) == (10 - $sum % 10) % 10;