oxccvalidator.php

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<?php

class oxCcValidator
{

    protected $_aCardsInfo = array( // name              // digits     // starting digits
        "amx" => '/^3[47].{13}$/', // American Express     16            34, 37
        "dlt" => '/^4.{15}$/', // Delta                16            4
        "dnc" => '/^30[0-5].{11}$|^3[68].{12}$/', // Diners Club          14            300-305, 36, 38
        "dsc" => '/^6011.{12}$/', // Discover             16            6011
        "enr" => '/^2014.{11}$|^2149.{11}$/', // enRoute              15            2014, 2149
        "jcb" => '/^3.{15}$|^2131|1800.{11}$/', // JCB                  15/16         3/ 2131, 1800
        "mcd" => '/^5[1-5].{14}$/', // MasterCard           16            51-55
        "swi" => '/^[456].{15}$|^[456].{17,18}$/', // Switch               16, 18, 19    4-6
        "vis" => '/^4.{15}$|^4.{12}$/', // Visa                 13, 16        4
    );

    protected function _isValidType($sType, $sNumber)
    {
        $blValid = true;

        // testing if card type is known and matches pattern
        if (isset($this->_aCardsInfo[$sType])) {
            $blValid = preg_match($this->_aCardsInfo[$sType], $sNumber);
        }

        return $blValid;
    }

    protected function _isExpired($sDate)
    {
        $blExpired = false;

        if ($sDate) {
            $sYears = substr($sDate, 2, 2);
            $sMonth = substr($sDate, 0, 2);
            $sDay = date("t", mktime(11, 59, 59, $sMonth, 1, $sYears));

            $iExpDate = mktime(23, 59, 59, $sMonth, $sDay, $sYears);
            if (time() > $iExpDate) {
                $blExpired = true;
            }
        }

        return $blExpired;
    }

    protected function _isValidNumer($sNumber)
    {
        $blValid = false;
        if (($iLength = strlen($sNumber))) {
            $iModSum = 0;
            $iMod = $iLength % 2;

            // Luhn algorithm
            for ($iPos = 0; $iPos < $iLength; $iPos++) {

                // taking digit to check..
                $iCurrDigit = ( int ) $sNumber{$iPos};

                // multiplying if needed..
                $iAddValue = (($iPos % 2 == $iMod) ? 2 : 1) * $iCurrDigit;

                // adding prepared current digit
                $iModSum += ($iAddValue > 9) ? $iAddValue - 9 : $iAddValue;
            }

            $blValid = ($iModSum % 10) == 0;
        }

        return $blValid;
    }

    public function isValidCard($sNumber, $sType = "", $sDate = "")
    {
        // cleanup
        $sNumber = preg_replace("/[^0-9]/", "", $sNumber);

        return (!$this->_isExpired($sDate) && $this->_isValidType($sType, $sNumber) && $this->_isValidNumer($sNumber));
    }
}