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用PHP验证信用卡的最佳方法是什么?

credit-card numbers e-commerce validation php

Joe Lencioni · 技术社区 · 16 年前

给定一个信用卡号,并且没有其他信息,在PHP中确定它是否为有效数字的最佳方法是什么?

现在我需要的东西,将与美国运通,发现,万事达卡和签证,但它可能会有帮助,如果它也将与其他类型的工作。

9 回复 | 直到 16 年前

154

Mike 10 年前

卡号验证分为三个部分:

图案 -是否符合发卡机构模式(如VISA/Mastercard等)
校验和
真的存在 -它实际上是否有关联帐户(如果没有商户帐户,您不太可能获得此帐户)

VISA前缀=4,长度=13或16(Mod10)
美国运通前缀=34或37,长度=15(Mod10)
就餐者俱乐部/点菜前缀=300-305,36或38,长度=14(Mod10)
等等( detailed list of prefixes )

校验和

大多数卡对校验和使用Luhn算法:

Luhn Algorithm described on Wikipedia

<?
/* Luhn algorithm number checker - (c) 2005-2008 shaman - www.planzero.org *
 * This code has been released into the public domain, however please      *
 * give credit to the original author where possible.                      */

function luhn_check($number) {

  // Strip any non-digits (useful for credit card numbers with spaces and hyphens)
  $number=preg_replace('/\D/', '', $number);

  // Set the string length and parity
  $number_length=strlen($number);
  $parity=$number_length % 2;

  // Loop through each digit and do the maths
  $total=0;
  for ($i=0; $i<$number_length; $i++) {
    $digit=$number[$i];
    // Multiply alternate digits by two
    if ($i % 2 == $parity) {
      $digit*=2;
      // If the sum is two digits, add them together (in effect)
      if ($digit > 9) {
        $digit-=9;
      }
    }
    // Total up the digits
    $total+=$digit;
  }

  // If the total mod 10 equals 0, the number is valid
  return ($total % 10 == 0) ? TRUE : FALSE;

}
?>

Nisse Engström sting_roc 10 年前

从…起 10 regular expressions you can't live without in PHP :

function check_cc($cc, $extra_check = false){
    $cards = array(
        "visa" => "(4\d{12}(?:\d{3})?)",
        "amex" => "(3[47]\d{13})",
        "jcb" => "(35[2-8][89]\d\d\d{10})",
        "maestro" => "((?:5020|5038|6304|6579|6761)\d{12}(?:\d\d)?)",
        "solo" => "((?:6334|6767)\d{12}(?:\d\d)?\d?)",
        "mastercard" => "(5[1-5]\d{14})",
        "switch" => "(?:(?:(?:4903|4905|4911|4936|6333|6759)\d{12})|(?:(?:564182|633110)\d{10})(\d\d)?\d?)",
    );
    $names = array("Visa", "American Express", "JCB", "Maestro", "Solo", "Mastercard", "Switch");
    $matches = array();
    $pattern = "#^(?:".implode("|", $cards).")$#";
    $result = preg_match($pattern, str_replace(" ", "", $cc), $matches);
    if($extra_check && $result > 0){
        $result = (validatecard($cc))?1:0;
    }
    return ($result>0)?$names[sizeof($matches)-2]:false;
}

样本输入:

$cards = array(
    "4111 1111 1111 1111",
);

foreach($cards as $c){
    $check = check_cc($c, true);
    if($check!==false)
        echo $c." - ".$check;
    else
        echo "$c - Not a match";
    echo "<br/>";
}

这给了我们

4111 1111 1111 1111 - Visa

PartialOrder 15 年前

最好不要在代码中进行验证。将卡信息直接发送到您的支付网关,然后处理他们的回复。如果你不先做Luhn检查之类的事情,它可以帮助他们发现欺诈——让他们看到失败的尝试。

Patrick Desjardins 16 年前

PHP代码

function validateCC($cc_num, $type) {

    if($type == "American") {
    $denum = "American Express";
    } elseif($type == "Dinners") {
    $denum = "Diner's Club";
    } elseif($type == "Discover") {
    $denum = "Discover";
    } elseif($type == "Master") {
    $denum = "Master Card";
    } elseif($type == "Visa") {
    $denum = "Visa";
    }

    if($type == "American") {
    $pattern = "/^([34|37]{2})([0-9]{13})$/";//American Express
    if (preg_match($pattern,$cc_num)) {
    $verified = true;
    } else {
    $verified = false;
    }


    } elseif($type == "Dinners") {
    $pattern = "/^([30|36|38]{2})([0-9]{12})$/";//Diner's Club
    if (preg_match($pattern,$cc_num)) {
    $verified = true;
    } else {
    $verified = false;
    }


    } elseif($type == "Discover") {
    $pattern = "/^([6011]{4})([0-9]{12})$/";//Discover Card
    if (preg_match($pattern,$cc_num)) {
    $verified = true;
    } else {
    $verified = false;
    }


    } elseif($type == "Master") {
    $pattern = "/^([51|52|53|54|55]{2})([0-9]{14})$/";//Mastercard
    if (preg_match($pattern,$cc_num)) {
    $verified = true;
    } else {
    $verified = false;
    }


    } elseif($type == "Visa") {
    $pattern = "/^([4]{1})([0-9]{12,15})$/";//Visa
    if (preg_match($pattern,$cc_num)) {
    $verified = true;
    } else {
    $verified = false;
    }

    }

    if($verified == false) {
    //Do something here in case the validation fails
    echo "Credit card invalid. Please make sure that you entered a valid <em>" . $denum . "</em> credit card ";

    } else { //if it will pass...do something
    echo "Your <em>" . $denum . "</em> credit card is valid";
    }


}

用法

echo validateCC("1738292928284637", "Dinners");

更多理论信息可在此处找到:

Credit Card Validation - Check Digits

Checksum

Dana 16 年前

luhn algorithm 是一种校验和,可用于验证许多信用卡格式(以及加拿大社会保险号码…)的格式

维基百科的文章还链接到许多不同的实现;下面是一个PHP示例:

http://planzero.org/code/bits/viewcode.php?src=luhn_check.phps

powtac 16 年前

有一个PEAR软件包,用于处理许多财务数字的验证,以及信用卡验证: http://pear.php.net/package/Validate_Finance_CreditCard

Test Credit Card Account Numbers

parkamark 9 年前

只是加入一些其他人可能会发现有用的代码片段(不是PHP代码)。

python (单行代码;可能效率不高)

要验证:

>>> not(sum(map(int, ''.join(str(n*(i%2+1)) for i, n in enumerate(map(int, reversed('1234567890123452'))))))%10)
True
>>> not(sum(map(int, ''.join(str(n*(i%2+1)) for i, n in enumerate(map(int, reversed('1234567890123451'))))))%10)
False

要返回所需的校验位,请执行以下操作:

>>> (10-sum(map(int, ''.join(str(n*(i%2+1)) for i, n in enumerate(map(int, reversed('123456789012345')), start=1)))))%10
2
>>> (10-sum(map(int, ''.join(str(n*(i%2+1)) for i, n in enumerate(map(int, reversed('234567890123451')), start=1)))))%10
1

MySQL函数

功能“ccc”和“ccd”(信用卡检查和信用卡数字)

请注意,“ccc”函数有一个附加检查,如果计算的和为0,返回的结果将始终为假,因此全零CC编号将永远不会验证为正确(在正常行为下,它将正确验证)。可根据需要添加/删除此功能;根据具体要求,可能有用。

DROP FUNCTION IF EXISTS ccc;
DROP FUNCTION IF EXISTS ccd;

DELIMITER //

CREATE FUNCTION ccc (n TINYTEXT) RETURNS BOOL
BEGIN
  DECLARE x TINYINT UNSIGNED;
  DECLARE l TINYINT UNSIGNED DEFAULT length(n);
  DECLARE i TINYINT UNSIGNED DEFAULT l;
  DECLARE s SMALLINT UNSIGNED DEFAULT 0;
  WHILE i > 0 DO
    SET x = mid(n,i,1);
    IF (l-i) mod 2 = 1 THEN
      SET x = x * 2;
    END IF;
    SET s = s + x div 10 + x mod 10;
    SET i = i - 1;
  END WHILE;
  RETURN s != 0 && s mod 10 = 0;
END;

CREATE FUNCTION ccd (n TINYTEXT) RETURNS TINYINT
BEGIN
  DECLARE x TINYINT UNSIGNED;
  DECLARE l TINYINT UNSIGNED DEFAULT length(n);
  DECLARE i TINYINT UNSIGNED DEFAULT l;
  DECLARE s SMALLINT UNSIGNED DEFAULT 0;
  WHILE i > 0 DO
    SET x = mid(n,i,1);
    IF (l-i) mod 2 = 0 THEN
      SET x = x * 2;
    END IF;
    SET s = s + x div 10 + x mod 10;
    SET i = i - 1;
  END WHILE;
  RETURN ceil(s/10)*10-s;
END;

然后可以在SQL查询中直接使用函数:

mysql> SELECT ccc(1234567890123452);
+-----------------------+
| ccc(1234567890123452) |
+-----------------------+
|                     1 |
+-----------------------+
1 row in set (0.00 sec)

mysql> SELECT ccc(1234567890123451);
+-----------------------+
| ccc(1234567890123451) |
+-----------------------+
|                     0 |
+-----------------------+
1 row in set (0.00 sec)

mysql> SELECT ccd(123456789012345);
+----------------------+
| ccd(123456789012345) |
+----------------------+
|                    2 |
+----------------------+
1 row in set (0.00 sec)

mysql> SELECT ccd(234567890123451);
+----------------------+
| ccd(234567890123451) |
+----------------------+
|                    1 |
+----------------------+
1 row in set (0.00 sec)

-1

Chad Moran 16 年前

这只是为了使用一些基本的正则表达式模式来确保数字是有效的。

注意,这并不检查是否有人在使用这些数字。

http://www.roscripts.com/How_to_validate_credit_card_numbers-106.html