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Tutorial – Credit card security

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[code]This excellent tutorial is the work of NTSA, who has very kindly consented to the TAZ hosting it.

Enjoy!
[/code]

Outline

In this tutorial I am going to cover two types of credit card validation. The first type of validation is a LUHN check. The second validation method that I cover examines the use of a cards.ini text file for credit card type validation.

LUHN checking

Most credit card numbers (including Visa and Mastercard) conform to the LUHN checksum algorithm. You can calculate the last digit of a card number, by examining all the preceeding digits. You cannot tell from this if the card is stolen, but it can be used to check if the user has made a mistake when entering a card number.

In this article I am publishing both my ASP and PHP LUHN checking functions.

Card Type validation

The second type of validation is checking that the selected card type is correct. Each card type – Visa, mastercard etc – has a given length and prefix. For exampe Visa cards have a prefix of 4 and a length of either 13 or 16 characters. Because of this you can validate that the card type that has been selected by the user is accurate.

This part of the code is only provided in ASP – Sorry

A explaination of the LUHN algorithm

[quote]The following steps are involved in this calculation:

Step 1: Double the value of alternate digits beginning with the first
right-hand digit (low order).

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: Subtract the total obtained in step 2 from the next higher
number ending in 0 [this in the equivalent of calculating the
“tens complement” of the low order digit (unit digit) of the total].
If the total obtained in step 2 is a number ending in zero
(30, 40 etc.), the check digit is 0.

Example:

Account number without check digit: 4992 73 9871

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

4 + 1 + 8 + 9 + 4 + 7 + 6 + 9 + 1 + 6 + 7 + 2 = 64

70 – 64 = 6

Account number with check digit 4992 73 9871 6

From: http://staff.semel.fi/~kribe/document/luhn.htm[/quote]

LUHN Check – ASP version

Example Usage

[quote]CardIsValid = true
if card.luhncheck(p_CardNo) = true then
debug “luhn ok”
else
debug “luhn failed”
CardIsValid = false
end if[/quote]

The ASP Code!

[code]’ASP ISO 7812:1987(E) LUHN Checker
‘This function was written by Simon Barnett. (si@ntsa.org.uk)
‘Use and distribution of this software is covered
‘by open source licence (http://www.opensource.org/osd.html).
‘Please include these comments in any distribution.

Function LuhnCheck(p_cardno)

session(“debug”) = “false”

if isnumber(p_cardno) = false then
luhncheck = false
else
if len(p_cardno) = 0 then
luhncheck = false
else

tot = 0
chk = right(p_cardno,1)
p_cardno = left(p_cardno,len(p_cardno)-1)

for n = len(p_cardno) to 1 step – 2
x = cint(mid(p_cardno,n,1)) * 2
if len(x) > 1 then
tot = tot + cint(mid(x,1,1))
‘debug mid(x,1,1)
tot = tot + cint(mid(x,2,1))
‘debug mid(x,2,1)
else
tot = tot + cint(mid(x,1,1))
‘debug mid(x,1,1)
end if
next

for n = len(p_cardno)-1 to 1 step – 2
tot = tot + cint(mid(p_cardno,n,1))
‘debug mid(p_cardno,n,1)
next

‘debug tot

checkdigit = cint(cstr(cint(left(cstr(tot),1))+1) & “0”) – tot

debug “Checkdigit should be “&checkdigit
debug “Actual Check Digit “&chk

if int(chk) = int(checkdigit) then
luhncheck = true
else
luhncheck = false
end if

end if
end if

End Function[/code]

LUHN Check – PHP version

Example Usage

[quote]//

if(ValidCard($credit_card)) // Pass credit card details without spaces.
{
echo “Valid Card”;
}
else
{
echo “Invalid Card”;
}
[/quote]

The PHP Code!

[code]

function ValidCard($credit_card)
/* PHP ISO 7812:1987(E) LUHN Checker
This function was written by Simon Barnett. (si@ntsa.org.uk)
Use and distribution of this software is covered
by open source licence (http://www.opensource.org/osd.html).
Please include these comments in any distribution.
*/

{
$checksum = substr ($credit_card, -1); // returns checksum
$restnum = substr($credit_card, 0, strlen($credit_card)-1);
// returns rest of credit card number

$calcvals = “”;

for ($i = strlen($restnum)+1; $i >= 0; $i=$i-2) {
$calcvals = $calcvals . strval(intval(substr($restnum,$i,1))*2);
}

for ($i = strlen($restnum) -2; $i >= 0; $i=$i-2) {
$calcvals = $calcvals . strval(intval(substr($restnum,$i,1))*1);
}

$calcvals = substr($calcvals,1);
$count = 0;

for ($i = 0; $i <= strlen($calcvals); $i++) {
$count = $count + intval(substr($calcvals,$i,1));
}

if(intval(substr(strval((10*(intval(substr(strval
($count),0,1))+1)-$count)),-1))==$checksum)
{
return true;
}
else
{
return false;
}
}

?>[/code]

Checking the type of card (ASP)

I didn’t want to hard code the card type information for obvious reasons, not least amongst which is the fact that I’m using code similar to this over a large number of sites, each with their own list of accepted cards. So I stored all the information about the fornat of each of the different credit card companies in an ini file. This ini file is shown below.

The cards.ini file

[quote][Visa]
prefix=4
length=13,16

[Mastercard]
prefix=51,52,53,54,55
length=16

[American Express]
prefix=34,37
length=15

[Dinners Club]
prefix=300,301,302,303,304,305,36,38
length=14

[JCB]
prefix=3
length=16

[Discover]
prefix=6011
length=16
[/quote]

Displaying the list of accepted cards

The CardList routine below reads the cards.ini file given above and displays each of the credit card types in a drop down combo box. The returned ‘CardType’ variable is used validating the card type in the FormatCheck Function.

[code]Sub CardList()

cards = split(getcards(),”,”)

response.write ”

End Sub

Function GetCards()

Dim fso, MyFile
Set fso = CreateObject(“Scripting.FileSystemObject”)
Set MyFile = fso.OpenTextFile(replace(request(“inipath”),”*”,”\”), ForReading)

getcards = “”
while not myfile.atendofstream
l = MyFile.ReadLine
if left(l,1) = “[” then
if getcards = “” then
getcards = mid(l,2,len(l)-2)
else
getcards = getcards & “,” & mid(l,2,len(l)-2)
end if
end if
wend

End Function[/code]

Validating the selected card type

Example Usage

[quote]CardIsValid = true
if card.formatcheck(p_CardNo,p_CardType) = true then
debug “Format ok”
else
debug “Format failed”
CardIsValid = false
end if[/quote]

The Code!

[code]Function FormatCheck(p_CardNo, p_CardType)

Dim fso, MyFile
Set fso = CreateObject(“Scripting.FileSystemObject”)
Set MyFile = fso.OpenTextFile(replace(request(“inipath”),”*”,”\”), ForReading)

f=0
debug “Opening Cards.ini file…”
while not myfile.atendofstream
l = MyFile.ReadLine
if left(l,1) = “[” then
if mid(l,2,len(l)-2) = p_cardtype then
f = 1
debug “found ” & mid(l,2,len(l)-2)
prefix = split(trim(replace(MyFile.ReadLine,”prefix=”,””)),”,”)
length = split(trim(replace(MyFile.ReadLine,”length=”,””)),”,”)
end if
end if
wend

myfile.close

if f = 0 then
formatcheck = false
else
prefixok = false
n = 0
on error resume next
while err.number = 0
debug “Check Prefix:” & prefix(n)
if left(p_cardno,len(prefix(n))) = prefix(n) then
debug left(p_cardno,len(prefix(n))) &”=”& prefix(n)
if err.number = 0 then
prefixok = true
end if
end if
n = n +1
wend

lengthok = false
n = 0
on error resume next
while err.number = 0
debug “check len: ” & int(length(n))-1

if len(p_cardno) = int(length(n))-1 then
if err.number = 0 then
debug len(p_cardno) &”=”& int(length(n))-1
lengthok = true
end if
end if
n = n +1
wend

if lengthok = true and prefixok = true then
formatcheck = true
else
formatcheck = false
end if

end if

End Function[/code]

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