在PHP中验证信用卡的最佳方法是什么?

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给定信用卡号码而没有其他信息,在PHP中确定它是否有效的最佳方法是什么?

现在,我需要一些和American Express, Discover, MasterCard, and Visa相结合运作的东西,如果它也将与其他类型的一起运作也有帮助。

提问于
用户回答回答于

卡号的验证分为三部分:

  1. 花纹-是否符合发行人的模式(例如VISA/Mastercard/等)。
  2. 校验和-它是否实际检查和(例如,在“34”之后不只是13个随机数使其成为AMEX卡号)。
  3. 真的存在-它是否真的有一个相关的帐户(如果没有商人帐户,你不太可能得到这个帐户)。

花纹

  • MASTERCARD前缀=51-55,长度=16(Mod10校验和)
  • Visa前缀=4,长度=13或16(MOD 10)
  • Amex前缀=34或37,长度=15(Mod10)
  • Dinner Club/Carte Prefix前缀=300-305,36或38,长度=14(MOD 10)
  • Discover前缀=6011,622126-622925,644-649,65,长度=16(Mod10)

校验和

大多数卡片使用Luhn算法进行校验和:

<?
/* 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;

}
?>
用户回答回答于

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;
}

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/>";
}

输出:

4111 1111 1111 1111 - Visa

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