用PHP验证信用卡的最佳方法是什么?

问题描述

给出一个信用卡号但没有其他信息，PHP中确定它是否为有效号码的最佳方法是什么?

Given a credit card number and no additional information, what is the best way in PHP to determine whether or not it is a valid number?

现在，我需要可以与American Express，Discover，MasterCard和Visa一起使用的功能，但是如果它也可以与其他类型的功能一起使用，则可能会有所帮助.

Right now I need something that will work with American Express, Discover, MasterCard, and Visa, but it might be helpful if it will also work with other types.

推荐答案

卡号验证分为三个部分:

There are three parts to the validation of the card number:

1. 模式-它是否与发行人模式(例如VISA/Mastercard/etc)相匹配
2. CHECKSUM (校验和)-它是否实际进行校验和(例如，将"34"后面的13个随机数字用作美国运通卡号)
3. 真的存在-它确实有一个关联帐户(如果没有商家帐户，您不太可能获得此帐户)

1. PATTERN - does it match an issuers pattern (e.g. VISA/Mastercard/etc.)
2. CHECKSUM - does it actually check-sum (e.g. not just 13 random numbers after "34" to make it an AMEX card number)
3. REALLY EXISTS - does it actually have an associated account (you are unlikely to get this without a merchant account)

模式

• 主卡前缀= 51-55，长度= 16(Mod10校验和)
• VISA前缀= 4，长度= 13或16(Mod10)
• AMEX前缀= 34或37，长度= 15(Mod10)
• Diners Club/Carte Prefix = 300-305，36或38，长度= 14(Mod10)
• Discover Prefix = 6011,622126-622925,644-649,65，Length = 16，(Mod10)
• 等(详细的前缀列表)

Pattern

• MASTERCARD Prefix=51-55, Length=16 (Mod10 checksummed)
• VISA Prefix=4, Length=13 or 16 (Mod10)
• AMEX Prefix=34 or 37, Length=15 (Mod10)
• Diners Club/Carte Prefix=300-305, 36 or 38, Length=14 (Mod10)
• Discover Prefix=6011,622126-622925,644-649,65, Length=16, (Mod10)
• etc. (detailed list of prefixes)

大多数卡将Luhn算法用于校验和:

Most cards use the Luhn algorithm for checksums:

在维基百科上描述的Luhn算法

Wikipedia链接上有许多实现的链接，包括PHP:

There are links to many implementations on the Wikipedia link, including PHP:

<?
/* 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;

}
?>

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