Module: ActiveMerchant::Billing::CreditCardMethods

Included in:
CreditCard
Defined in:
lib/active_merchant/billing/credit_card_methods.rb

Overview

Convenience methods that can be included into a custom Credit Card object, such as an ActiveRecord based Credit Card object.

Defined Under Namespace

Modules: ClassMethods

Constant Summary collapse

CARD_COMPANY_DETECTORS = 
{
  'visa'               => ->(num) { num =~ /^4\d{12}(\d{3})?(\d{3})?$/ },
  'master'             => ->(num) { num&.size == 16 && in_bin_range?(num.slice(0, 6), MASTERCARD_RANGES) },
  'elo'                => ->(num) { num&.size == 16 && in_bin_range?(num.slice(0, 6), ELO_RANGES) },
  'alelo'              => ->(num) { num&.size == 16 && in_bin_range?(num.slice(0, 6), ALELO_RANGES) },
  'discover'           => ->(num) { num =~ /^(6011|65\d{2}|64[4-9]\d)\d{12,15}|(62\d{14,17})$/ },
  'american_express'   => ->(num) { num =~ /^3[47]\d{13}$/ },
  'naranja'            => ->(num) { num&.size == 16 && in_bin_range?(num.slice(0, 6), NARANJA_RANGES) },
  'diners_club'        => ->(num) { num =~ /^3(0[0-5]|[68]\d)\d{11,16}$/ },
  'jcb'                => ->(num) { num =~ /^35(28|29|[3-8]\d)\d{12}$/ },
  'dankort'            => ->(num) { num =~ /^5019\d{12}$/ },
  'maestro'            => lambda { |num|
    (12..19).cover?(num&.size) && (
      in_bin_range?(num.slice(0, 6), MAESTRO_RANGES) ||
      MAESTRO_BINS.any? { |bin| num.slice(0, bin.size) == bin }
    )
  },
  'forbrugsforeningen' => ->(num) { num =~ /^600722\d{10}$/ },
  'sodexo'             => ->(num) { num =~ /^(606071|603389|606070|606069|606068|600818)\d{10}$/ },
  'alia'               => ->(num) { num =~ /^(504997|505878|601030|601073|505874)\d{10}$/ },
  'vr'                 => ->(num) { num =~ /^(627416|637036)\d{10}$/ },
  'cabal'              => ->(num) { num&.size == 16 && in_bin_range?(num.slice(0, 8), CABAL_RANGES) },
  'unionpay'           => ->(num) { (16..19).cover?(num&.size) && in_bin_range?(num.slice(0, 8), UNIONPAY_RANGES) },
  'carnet'             => lambda { |num|
    num&.size == 16 && (
      in_bin_range?(num.slice(0, 6), CARNET_RANGES) ||
      CARNET_BINS.any? { |bin| num.slice(0, bin.size) == bin }
    )
  },
  'olimpica' => ->(num) { num =~ /^636853\d{10}$/ },
  'creditel' => ->(num) { num =~ /^601933\d{10}$/ }
}
ELECTRON_RANGES =

www.barclaycard.co.uk/business/files/bin_rules.pdf

[
  [400115],
  (400837..400839),
  (412921..412923),
  [417935],
  (419740..419741),
  (419773..419775),
  [424519],
  (424962..424963),
  [437860],
  [444000],
  [459472],
  (484406..484411),
  (484413..484414),
  (484418..484418),
  (484428..484455),
  (491730..491759),
]
CARNET_RANGES = 
[
  (506199..506499),
]
CARNET_BINS = 
Set.new(
  %w[
    286900 502275 606333 627535 636318 636379 639388
    639484 639559 50633601 50633606 58877274 62753500
    60462203 60462204 588772
  ]
)
MASTERCARD_RANGES =

www.mastercard.us/content/dam/mccom/global/documents/mastercard-rules.pdf, page 73

[
  (222100..272099),
  (510000..559999),
]
MAESTRO_BINS = 
Set.new(
  %w[ 500057
      501018 501043 501045 501047 501049 501051 501072 501075 501087 501089 501095
      501500
      501879 502113 502301 503175
      503645 503670
      504310 504338 504363 504533 504587 504620 504639 504656 504738 504781 504910
      507001 507002 507004 507082 507090
      560014 560565 561033
      572402 572610 572626
      576904
      578614
      581149
      585274 585697
      586509
      588729 588792
      589244 589407 589471 589605 589633 589647 589671
      590043 590206 590263 590265 590278 590361 590362 590379 590393 590590
      591235 591420 591481 591620 591770 591948 591994
      592024 592161 592184 592186 592201 592384 592393 592528 592566 592704 592735 592879 592884
      593074 593264 593272 593355 593496 593556 593589 593666 593709 593825 593963 593994
      594184 594409 594468 594475 594581 594665 594691 594710 594874 594968
      595355 595364 595532 595547 595561 595568 595743 595929
      596245 596289 596399 596405 596590 596608 596645 596646 596791 596808 596815 596846
      597077 597094 597143 597370 597410 597765 597855 597862
      598053 598054 598395 598585 598793 598794 598815 598835 598838 598880 598889
      599000 599069 599089 599148 599191 599310 599741 599742 599867
      601070
      604983
      606126
      636380 636422 636502 636639
      637046 637756
      639130
      690032]
)
MAESTRO_RANGES =

www.mastercard.us/content/dam/mccom/global/documents/mastercard-rules.pdf, page 73

[
  (500032..500033),
  (501015..501016),
  (501020..501021),
  (501023..501029),
  (501038..501041),
  (501053..501058),
  (501060..501063),
  (501066..501067),
  (501080..501083),
  (501091..501092),
  (501104..501105),
  (501107..501108),
  (501104..501105),
  (501107..501108),
  (561200..561269),
  (561271..561299),
  (561320..561356),
  (581700..581751),
  (581753..581800),
  (589998..591259),
  (591261..596770),
  (596772..598744),
  (598746..599999),
  (600297..600314),
  (600316..600335),
  (600337..600362),
  (600364..600382),
  (601232..601254),
  (601256..601276),
  (601640..601652),
  (601689..601700),
  (602011..602050),
  (639000..639099),
  (670000..679999),
]
ELO_RANGES =

dev.elo.com.br/apis/tabela-de-bins, download csv from left sidebar

[
  506707..506708, 506715..506715, 506717..506722, 506724..506736, 506739..506743,
  506745..506747, 506753..506753, 506774..506778, 509000..509007, 509009..509014,
  509020..509030, 509035..509042, 509044..509089, 509091..509101, 509104..509807,
  509831..509877, 509897..509900, 509918..509964, 509971..509986, 509995..509999,
  627780..627780, 636368..636368, 650031..650033, 650035..650051, 650057..650081,
  650406..650439, 650485..650504, 650506..650538, 650552..650598, 650720..650727,
  650901..650922, 650928..650928, 650938..650939, 650946..650978, 651652..651704,
  655000..655019, 655021..655057
]
ALELO_RANGES =

Alelo provides BIN ranges by e-mailing them out periodically. The BINs beginning with the digit 4 overlap with Visa’s range of valid card numbers. By placing the ‘alelo’ entry in CARD_COMPANY_DETECTORS below the ‘visa’ entry, we identify these cards as Visa. This works because transactions with such cards will run on Visa rails.

[
  402588..402588, 404347..404347, 405876..405876, 405882..405882, 405884..405884,
  405886..405886, 430471..430471, 438061..438061, 438064..438064, 470063..470066,
  496067..496067, 506699..506704, 506706..506706, 506713..506714, 506716..506716,
  506749..506750, 506752..506752, 506754..506756, 506758..506767, 506770..506771,
  506773..506773, 509015..509019, 509880..509882, 509884..509885, 509887..509887,
  509987..509992
]
CABAL_RANGES = 
[
  60420100..60440099,
  58965700..58965799,
  60352200..60352299
]
NARANJA_RANGES = 
[
  589562..589562
]
UNIONPAY_RANGES =

In addition to the BIN ranges listed here that all begin with 81, UnionPay cards include many ranges that start with 62. Prior to adding UnionPay, cards that start with 62 were all classified as Discover. Because UnionPay cards are able to run on Discover rails, this was kept the same.

[
  81000000..81099999, 81100000..81319999, 81320000..81519999, 81520000..81639999, 81640000..81719999
]

Class Method Summary collapse

Instance Method Summary collapse

Class Method Details

.in_bin_range?(number, ranges) ⇒ Boolean

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card_methods.rb', line 198

def self.in_bin_range?(number, ranges)
  bin = number.to_i
  ranges.any? do |range|
    range.cover?(bin)
  end
end

.included(base) ⇒ Object 



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# File 'lib/active_merchant/billing/credit_card_methods.rb', line 194

def self.included(base)
  base.extend(ClassMethods)
end

Instance Method Details

#card_verification_value_length(brand) ⇒ Object 



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# File 'lib/active_merchant/billing/credit_card_methods.rb', line 238

def card_verification_value_length(brand)
  case brand
  when 'american_express'
    4
  when 'maestro'
    0
  else
    3
  end
end

#credit_card? ⇒ Boolean

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card_methods.rb', line 209

def credit_card?
  true
end

#electron? ⇒ Boolean

Returns if the card matches known Electron BINs

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card_methods.rb', line 254

def electron?
  self.class.electron?(number)
end

#valid_card_verification_value?(cvv, brand) ⇒ Boolean

Credit card providers have 3 digit verification values This isn’t standardised, these are called various names such as CVC, CVV, CID, CSC and more See: en.wikipedia.org/wiki/Card_security_code American Express is the exception with 4 digits

Below are links from the card providers with their requirements visa: usa.visa.com/personal/security/3-digit-security-code.jsp master: www.mastercard.com/ca/merchant/en/getstarted/Anatomy_MasterCard.html jcb: www.jcbcard.com/security/info.html diners_club: www.dinersclub.com/assets/DinersClub_card_ID_features.pdf discover: www.discover.com/credit-cards/help-center/glossary.html american_express: online.americanexpress.com/myca/fuidfyp/us/action?request_type=un_fuid&Face=en_US

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card_methods.rb', line 234

def valid_card_verification_value?(cvv, brand)
  cvv.to_s =~ /^\d{#{card_verification_value_length(brand)}}$/
end

#valid_expiry_year?(year) ⇒ Boolean

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card_methods.rb', line 213

def valid_expiry_year?(year)
  (Time.now.year..Time.now.year + 20).cover?(year.to_i)
end

#valid_issue_number?(number) ⇒ Boolean

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card_methods.rb', line 249

def valid_issue_number?(number)
  (number.to_s =~ /^\d{1,2}$/)
end

#valid_month?(month) ⇒ Boolean

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card_methods.rb', line 205

def valid_month?(month)
  (1..12).cover?(month.to_i)
end

#valid_start_year?(year) ⇒ Boolean

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card_methods.rb', line 217

def valid_start_year?(year)
  ((year.to_s =~ /^\d{4}$/) && (year.to_i > 1987))
end