NAME

  Business::CCCheck - Credit Card Check numbers

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
  );

DESCRIPTION

This module checks the validity of the numbers and dates for a credit card entry, including the parity of the CC number itself.

@CC_months

An array of 3 character text months. i.e. Jan, Feb....

$scalar = CC_year

Returns the localtime calendar year.

$scalar = CC_expired(numeric_month,20xx)

Returns true if card is expired or month year has bad fromat else false

$scalar = CC_is_zip(zipcode);

Check for valid zip code, returns false or the zipcode.

$scalar = CC_is_name(name);

Check for a name string greater than three characters. Return false if short, otherwise return the name.

$scalar = CC_is_addr(address);

Check for a string containing at least 3 words and one endline. Return false if short, otherwise return the address.

$scalar = CC_clean(credit_card_number);

Remove blanks and dashes, verify numeric content. Returns false if invalid characters are present, otherwise the cleaned credit card number.

$scalar = CC_digits(credit_card_number);

Pre-process with CC_clean.

Returns false 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

$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.

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:

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.)

Step 2:

Add the individual digits comprising the products obtained in Step 1 to each of the unaffected digits in the original number.

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:

Step 1:

        4 9 9 2 7 3 9 8 7 1 6
         x2  x2  x2  x2  x2 
------------------------------
         18   4   6  16   2

Step 2:

  4 +(1+8)+ 9 + (4) + 7 + (6) + 9 +(1+6) + 7 + (2) + 6 

Step 3:

  Sum = 70 : Card number is validated 

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

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

COPYRIGHT

Copyright 2001 - 2006, Michael Robinton <michael@bizsystems.com>

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.

AUTHOR

Michael Robinton, <michael@bizsystems.com>