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Credit Card Validation

Posted on 2000-03-05
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Last Modified: 2013-11-18
How credit cards are checked for their validity.What is the method adopted to verify that the credit card is valid.Is there any algorithm used?If so please explain and give an example
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Question by:rajesh_bala
7 Comments
 

Expert Comment

by:cojones
ID: 2586170
No argorithm, its sent out across a connection to verify by the banks.  
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LVL 84

Expert Comment

by:ozo
ID: 2586346
Do you just want to verify the checksum, or do you need to know whether the card is over its credit limit?
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LVL 8

Expert Comment

by:xabi
ID: 2586677
Here you will find the code in javascript:

http://developer.netscape.com/tech/javascript/index.html

In the script CheckForm.js you will find a function to check the creditcard number.

xabi
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Expert Comment

by:ytgprasad
ID: 2643118
there is a alogorithm called LUHN algorithm for basic validation of the CARD numbers of certain Banks
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Expert Comment

by:ytgprasad
ID: 2643128
for the LUHN algorithm and this site http://www.cybercash.com/cybercash/merchants/support/luhn.html may be useful, check out
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Expert Comment

by:xabi
ID: 2645596
xabi changed the proposed answer to a comment
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Accepted Solution

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xabi earned 50 total points
ID: 2645604
Here goes the code:

---------- 8< --------- 8< -----
<html>
<head>
<title>order form</title></head>
<script language="JavaScript">
<!--
function isCreditCard(st) {
 if (st.length > 19) return (false)
 sum = 0; mul = 1; l = st.length
 for (i = 0; i < l; i++) {
  digit = st.substring(l-i-1,l-i)
  tproduct = parseInt(digit ,10)*mul
  if (tproduct >= 10) sum += (tproduct % 10) + 1
  else sum += tproduct
  if (mul == 1) mul++
  else mul--
 }
 if ((sum % 10) == 0) return (true)
 else return (false)
}

function isVisa(cc) {
 if (((cc.length == 16) || (cc.length == 13)) && (cc.substring(0,1) == 4)) return isCreditCard(cc)
 return false
}

function isMasterCard(cc) {
 firstdig = cc.substring(0,1)
 seconddig = cc.substring(1,2)
 if ((cc.length == 16) && (firstdig == 5) && ((seconddig >= 1) && (seconddig <= 5))) return isCreditCard(cc)
 return false
}

function isAmericanExpress(cc) {
 firstdig = cc.substring(0,1)
 seconddig = cc.substring(1,2)
 if ((cc.length == 15) && (firstdig == 3) && ((seconddig == 4) || (seconddig == 7))) return isCreditCard(cc)
 return false
}

function isDinersClub(cc) {
 firstdig = cc.substring(0,1)
 seconddig = cc.substring(1,2)
 if ((cc.length == 14) && (firstdig == 3) && ((seconddig == 0) || (seconddig == 6) || (seconddig == 8))) return isCreditCard(cc)
 return false
}

function isCarteBlanche(cc) {
 return isDinersClub(cc)
}

function isDiscover(cc) {
 first4digs = cc.substring(0,4)
 if ((cc.length == 16) && (first4digs == "6011")) return isCreditCard(cc)
 return false
}

function isEnRoute(cc) {
 first4digs = cc.substring(0,4)
 if ((cc.length == 15) && ((first4digs == "2014") || (first4digs == "2149"))) return isCreditCard(cc)
 return false
}

function isJCB(cc) {
 first4digs = cc.substring(0,4)
 if ((cc.length == 16) && ((first4digs == "3088") || (first4digs == "3096") || (first4digs == "3112") || (first4digs == "3158") || (first4digs == "3337") || (first4digs == "3528"))) return isCreditCard(cc)
 return false
}

function check_values() {
 iCardType   = document.myform.CreditCard_Type.selectedIndex
 iCardNumber = document.myform.CreditCard_Number.value
 bResult = false
 if (iCardType == 0) bResult = isVisa(iCardNumber)
 if (iCardType == 1) bResult = isMasterCard(iCardNumber)
 if (iCardType == 2) bResult = isAmericanExpress(iCardNumber)
 if (iCardType == 3) bResult = isDinersClub(iCardNumber)
 if (iCardType == 4) bResult = isCarteBlanche(iCardNumber)
 if (iCardType == 5) bResult = isDiscover(iCardNumber)
 if (iCardType == 6) bResult = isEnRoute(iCardNumber)
 if (iCardType == 7) bResult = isJCB(iCardNumber)
 if (bResult == false) alert("Invalid Credit Card Number")
 return bResult
}
//-->
</script>
</head>
<body>
<form name="myform" onSubmit="return(check_values())">
<table>
  <tr>
    <td>Credit Card Type</td>
    <td>
     <select name="CreditCard_Type">
      <option>Visa</option>
      <option>MasterCard</option>
      <option>AmericanExpress</option>
      <option>DinersClub</option>
      <option>CarteBlanche</option>
      <option>Discover</option>
      <option>EnRoute</option>
      <option>JCB</option>
     </select>
    </td>
  </tr>
  <tr>
    <td>Credit Card Number</td>
    <td><input type="text" size="38" maxlength="19" name="CreditCard_Number"></td>
  </tr>
</table>
<input type="submit" value=" Submit Request">
<input type="reset" value=" Clear "> 
</form>
<br>
</body>
</html>
---------- 8< ---------- 8< -------

xabi
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