1 package Business::CreditCard;
3 # Jon Orwant, <orwant@media.mit.edu>
5 # Copyright 1995,1996,1997 Jon Orwant
6 # Copyright 2001-2006 Ivan Kohler
8 # This program is free software; you can redistribute it and/or
9 # modify it under the same terms as Perl itself.
11 # Current maintainer is Ivan Kohler <ivan-business-creditcard@420.am>.
12 # Please don't bother Jon with emails about this module.
17 use vars qw( @ISA $VERSION $Country );
19 @ISA = qw( Exporter );
27 C<Business::CreditCard> - Validate/generate credit card checksums/names
31 use Business::CreditCard;
33 print validate("5276 4400 6542 1319");
34 print cardtype("5276 4400 6542 1319");
35 print generate_last_digit("5276 4400 6542 131");
37 Business::CreditCard is available at a CPAN site near you.
41 These subroutines tell you whether a credit card number is
42 self-consistent -- whether the last digit of the number is a valid
43 checksum for the preceding digits.
45 The validate() subroutine returns 1 if the card number provided passes
46 the checksum test, and 0 otherwise.
48 The cardtype() subroutine returns a string containing the type of
49 card. The list of possible return values is more comprehensive than it used
50 to be, but additions are still most welcome.
52 Possible return values are:
58 Diner's Club/Carte Blanche
67 "Not a credit card" is returned on obviously invalid data values.
69 As of 0.30, cardtype() will accept a partial card masked with "x", "X', ".",
70 "*" or "_". Only the first 2-6 digits and the lenth are significant;
71 whitespace and dashes are removed. To recognize just Visa, MasterCard and
72 Amex, you only need the first two digits; to recognize almost all cards
73 except some Switch cards, you need the first four digits, and to recognize
74 all cards including the remaining Switch cards, you need the first six
77 The generate_last_digit() subroutine computes and returns the last
78 digit of the card given the preceding digits. With a 16-digit card,
79 you provide the first 15 digits; the subroutine returns the sixteenth.
81 This module does I<not> tell you whether the number is on an actual
82 card, only whether it might conceivably be on a real card. To verify
83 whether a card is real, or whether it's been stolen, or to actually process
84 charges, you need a Merchant account. See L<Business::OnlinePayment>.
86 These subroutines will also work if you provide the arguments
87 as numbers instead of strings, e.g. C<validate(5276440065421319)>.
89 =head1 CHANGES IN 0.30
91 Credit card issuers have recently been forming agreements to process cards on
92 other networks, in which one type of card is processed as another card type.
94 By default, Business::CreditCard returns the type the card should be treated as
95 in the US and Canada. You can change this to return the type the card should
96 be treated as in a different country by setting
97 C<$Business::OnlinePayment::Country> to your two-letter country code. This
98 is probably what you want to determine if you accept the card, or which
99 merchant agreement is is processed through.
101 You can also set C<$Business::OnlinePayment::Country> to a false value such
102 as the empty string to return the "base" card type. This is probably only
103 useful for informational purposes when used along with the default type.
105 Here are the currently known agreements:
109 =item Diner's club cards (starting with 36) are now identified as "MasterCard" inside the US and Canada.
111 =item China Union Pay cards are identified as Discover cards outside China.
121 The Perl Journal and MIT Media Lab
125 Current maintainer is Ivan Kohler <ivan-business-creditcard@420.am>.
126 Please don't bother Jon with emails about this module.
128 Lee Lawrence <LeeL@aspin.co.uk>, Neale Banks <neale@lowendale.com.au> and
129 Max Becker <Max.Becker@firstgate.com> contributed support for additional card
130 types. Lee also contributed a working test.pl.
134 L<Business::CreditCard::Object> is a wrapper around Business::CreditCard
135 providing an OO interface. Assistance integrating this into the base
136 Business::CreditCard distribution is welcome.
138 L<Business::OnlinePayment> is a framework for processing online payments
139 including modules for various payment gateways.
143 @EXPORT = qw(cardtype validate generate_last_digit);
148 $number =~ s/[\s\-]//go;
149 $number =~ s/[x\*\.\_]/x/gio;
151 return "Not a credit card" if $number =~ /[^\dx]/io;
155 return "Not a credit card" unless length($number) >= 13 && 0+$number;
158 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
159 || $number =~ /^564182[\dx]{10}([\dx]{2,3})?$/o
160 || $number =~ /^6(3(33[0-4][0-9])|759[0-9]{2})[\dx]{10}([\dx]{2,3})?$/o;
162 return "VISA card" if $number =~ /^4[\dx]{12}([\dx]{3})?$/o;
165 if $number =~ /^5[1-5][\dx]{14}$/o
166 || ( $number =~ /^36[\dx]{12}/ && $Country =~ /^(US|CA)$/oi );
168 return "Discover card"
169 if $number =~ /^6011[\dx]{12}$/o
170 || $number =~ /^65[\dx]{14}$/o
171 || ( $number =~ /^622[\dx]{13}$/o && $Country !~ /^(CN)$/oi );
173 return "American Express card" if $number =~ /^3[47][\dx]{13}$/o;
175 return "Diner's Club/Carte Blanche"
176 if $number =~ /^3(0[0-5]|[68][\dx])[\dx]{11}$/o;
178 return "enRoute" if $number =~ /^2(014|149)[\dx]{11}$/o;
180 return "JCB" if $number =~ /^(3[\dx]{4}|2131|1800)[\dx]{11}$/o;
182 return "BankCard" if $number =~ /^56(10[\dx][\dx]|022[1-5])[\dx]{10}$/o;
185 if $number =~ /^6(3(34[5-9][0-9])|767[0-9]{2})[\dx]{10}([\dx]{2,3})?$/o;
187 return "China Union Pay"
188 if $number =~ /^622[\dx]{13}$/o;
193 sub generate_last_digit {
195 my ($i, $sum, $weight);
199 for ($i = 0; $i < length($number); $i++) {
200 $weight = substr($number, -1 * ($i + 1), 1) * (2 - ($i % 2));
201 $sum += (($weight < 10) ? $weight : ($weight - 9));
204 return (10 - $sum % 10) % 10;
209 my ($i, $sum, $weight);
211 return 0 if $number =~ /[^\d\s]/;
215 return 0 unless length($number) >= 13 && 0+$number;
217 for ($i = 0; $i < length($number) - 1; $i++) {
218 $weight = substr($number, -1 * ($i + 2), 1) * (2 - ($i % 2));
219 $sum += (($weight < 10) ? $weight : ($weight - 9));
222 return 1 if substr($number, -1) == (10 - $sum % 10) % 10;