require 'time' require 'date' require 'active_merchant/billing/model' module ActiveMerchant #:nodoc: module Billing #:nodoc: # A +CreditCard+ object represents a physical credit card, and is capable of validating the various # data associated with these. # # At the moment, the following credit card types are supported: # # * Visa # * MasterCard # * Discover # * American Express # * Diner's Club # * JCB # * Dankort # * Maestro # * Forbrugsforeningen # * Elo # * Alelo # * Cabal # * Naranja # * UnionPay # * Alia # * Olimpica # * Creditel # * Confiable # # For testing purposes, use the 'bogus' credit card brand. This skips the vast majority of # validations, allowing you to focus on your core concerns until you're ready to be more concerned # with the details of particular credit cards or your gateway. # # == Testing With CreditCard # Often when testing we don't care about the particulars of a given card brand. When using the 'test' # mode in your {Gateway}, there are six different valid card numbers: 1, 2, 3, 'success', 'fail', # and 'error'. # # For details, see {CreditCardMethods::ClassMethods#valid_number?} # # == Example Usage # cc = CreditCard.new( # :first_name => 'Steve', # :last_name => 'Smith', # :month => '9', # :year => '2017', # :brand => 'visa', # :number => '4242424242424242', # :verification_value => '424' # ) # # cc.validate # => {} # cc.display_number # => XXXX-XXXX-XXXX-4242 # class CreditCard < Model include CreditCardMethods class << self # Inherited, but can be overridden w/o changing parent's value attr_accessor :require_verification_value attr_accessor :require_name end self.require_name = true self.require_verification_value = true # Returns or sets the credit card number. # # @return [String] attr_reader :number def number=(value) @number = (empty?(value) ? value : value.to_s.gsub(/[^\d]/, '')) end # Returns or sets the expiry month for the card. # # @return [Integer] attr_reader :month # Returns or sets the expiry year for the card. # # @return [Integer] attr_reader :year # Returns or sets the credit card brand. # # Valid card types are # # * +'visa'+ # * +'master'+ # * +'discover'+ # * +'american_express'+ # * +'diners_club'+ # * +'jcb'+ # * +'dankort'+ # * +'maestro'+ # * +'forbrugsforeningen'+ # * +'elo'+ # * +'alelo'+ # * +'cabal'+ # * +'naranja'+ # * +'union_pay'+ # * +'alia'+ # * +'olimpica'+ # * +'creditel'+ # * +'confiable'+ # # Or, if you wish to test your implementation, +'bogus'+. # # @return (String) the credit card brand def brand if !defined?(@brand) || empty?(@brand) self.class.brand?(number) else @brand end end def brand=(value) value = value && value.to_s.dup @brand = (value.respond_to?(:downcase) ? value.downcase : value) end # Returns or sets the first name of the card holder. # # @return [String] attr_accessor :first_name # Returns or sets the last name of the card holder. # # @return [String] attr_accessor :last_name # Returns or sets the card verification value. # # This attribute is optional but recommended. The verification value is # a {card security code}[http://en.wikipedia.org/wiki/Card_security_code]. If provided, # the gateway will attempt to validate the value. # # @return [String] the verification value attr_accessor :verification_value # Sets if the credit card requires a verification value. # # @return [Boolean] def require_verification_value=(value) @require_verification_value_set = true @require_verification_value = value end # Returns if this credit card needs a verification value. # # By default this returns the configured value from `CreditCard.require_verification_value`, # but one can set a per instance requirement with `credit_card.require_verification_value = false`. # # @return [Boolean] def requires_verification_value? @require_verification_value_set ||= false if @require_verification_value_set @require_verification_value else self.class.requires_verification_value? end end # Returns or sets the track data for the card # # @return [String] attr_accessor :track_data # Returns or sets whether a card has been processed using manual entry. # # This attribute is optional and is only used by gateways who use this information in their transaction risk # calculations. See {this page on 'card not present' transactions}[http://en.wikipedia.org/wiki/Card_not_present_transaction] # for further explanation and examples of this kind of transaction. # # @return [true, false] attr_accessor :manual_entry # Returns or sets the ICC/ASN1 credit card data for a EMV transaction, typically this is a BER-encoded TLV string. # # @return [String] attr_accessor :icc_data # Returns or sets information about the source of the card data. # # @return [String] attr_accessor :read_method READ_METHOD_DESCRIPTIONS = { nil => 'A card reader was not used.', 'fallback_no_chip' => 'Magstripe was read because the card has no chip.', 'fallback_chip_error' => "Magstripe was read because the card's chip failed.", 'contactless' => 'Data was read by a Contactless EMV kernel. Issuer script results are not available.', 'contactless_magstripe' => 'Contactless data was read with a non-EMV protocol.', 'contact' => 'Data was read using the EMV protocol. Issuer script results may follow.', 'contact_quickchip' => 'Data was read by the Quickchip EMV kernel. Issuer script results are not available.' } # Returns the ciphertext of the card's encrypted PIN. # # @return [String] attr_accessor :encrypted_pin_cryptogram # Returns the Key Serial Number (KSN) of the card's encrypted PIN. # # @return [String] attr_accessor :encrypted_pin_ksn def type ActiveMerchant.deprecated 'CreditCard#type is deprecated and will be removed from a future release of ActiveMerchant. Please use CreditCard#brand instead.' brand end def type=(value) ActiveMerchant.deprecated 'CreditCard#type is deprecated and will be removed from a future release of ActiveMerchant. Please use CreditCard#brand instead.' self.brand = value end # Provides proxy access to an expiry date object # # @return [ExpiryDate] def expiry_date ExpiryDate.new(@month, @year) end # Returns whether the credit card has expired. # # @return +true+ if the card has expired, +false+ otherwise def expired? expiry_date.expired? end # Returns whether either the +first_name+ or the +last_name+ attributes has been set. def name? first_name? || last_name? end # Returns whether the +first_name+ attribute has been set. def first_name? first_name.present? end # Returns whether the +last_name+ attribute has been set. def last_name? last_name.present? end # Returns the full name of the card holder. # # @return [String] the full name of the card holder def name "#{first_name} #{last_name}".strip end def name=(full_name) names = full_name.split self.last_name = names.pop self.first_name = names.join(' ') end %w(month year start_month start_year).each do |m| class_eval %( def #{m}=(v) @#{m} = case v when "", nil, 0 nil else v.to_i end end ) end def verification_value? !verification_value.blank? end # Returns a display-friendly version of the card number. # # All but the last 4 numbers are replaced with an "X", and hyphens are # inserted in order to improve legibility. # # @example # credit_card = CreditCard.new(:number => "2132542376824338") # credit_card.display_number # "XXXX-XXXX-XXXX-4338" # # @return [String] a display-friendly version of the card number def display_number self.class.mask(number) end def first_digits self.class.first_digits(number) end def last_digits self.class.last_digits(number) end # Validates the credit card details. # # Any validation errors are added to the {#errors} attribute. def validate errors = validate_essential_attributes + validate_verification_value # Bogus card is pretty much for testing purposes. Lets just skip these extra tests if its used return errors_hash(errors) if brand == 'bogus' errors_hash( errors + validate_card_brand_and_number ) end def self.requires_verification_value? require_verification_value end def self.requires_name? require_name end def emv? icc_data.present? end private def validate_essential_attributes #:nodoc: errors = [] if self.class.requires_name? errors << [:first_name, 'cannot be empty'] if first_name.blank? errors << [:last_name, 'cannot be empty'] if last_name.blank? end if empty?(month) || empty?(year) errors << [:month, 'is required'] if empty?(month) errors << [:year, 'is required'] if empty?(year) else errors << [:month, 'is not a valid month'] if !valid_month?(month) if expired? errors << [:year, 'expired'] else errors << [:year, 'is not a valid year'] if !valid_expiry_year?(year) end end errors end def validate_card_brand_and_number #:nodoc: errors = [] if !empty?(brand) errors << [:brand, 'is invalid'] if !CreditCard.card_companies.include?(brand) end if empty?(number) errors << [:number, 'is required'] elsif !CreditCard.valid_number?(number) errors << [:number, 'is not a valid credit card number'] end if errors.empty? errors << [:brand, 'does not match the card number'] if !CreditCard.matching_brand?(number, brand) end errors end def validate_verification_value #:nodoc: errors = [] if verification_value? errors << [:verification_value, "should be #{card_verification_value_length(brand)} digits"] unless valid_card_verification_value?(verification_value, brand) elsif requires_verification_value? && !valid_card_verification_value?(verification_value, brand) errors << [:verification_value, 'is required'] end errors end class ExpiryDate #:nodoc: attr_reader :month, :year def initialize(month, year) @month = month.to_i @year = year.to_i end def expired? #:nodoc: Time.now.utc > expiration end def expiration #:nodoc: Time.utc(year, month, month_days, 23, 59, 59) rescue ArgumentError Time.at(0).utc end private def month_days mdays = [nil, 31, 28, 31, 30, 31, 30, 31, 31, 30, 31, 30, 31] mdays[2] = 29 if Date.leap?(year) mdays[month] end end end end end