swiss-activemerchant 1.0.1

data/lib/active_merchant/billing/credit_card_methods.rb

@@ -0,0 +1,512 @@
+require 'set'
+
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    # Convenience methods that can be included into a custom Credit Card object, such as an ActiveRecord based Credit Card object.
+    module CreditCardMethods
+      CARD_COMPANY_DETECTORS = {
+        'visa'               => ->(num) { num =~ /^4\d{12}(\d{3})?(\d{3})?$/ },
+        'master'             => ->(num) { num&.size == 16 && in_bin_range?(num.slice(0, 6), MASTERCARD_RANGES) },
+        'elo'                => ->(num) { num&.size == 16 && in_bin_range?(num.slice(0, 6), ELO_RANGES) },
+        'cabal'              => ->(num) { num&.size == 16 && in_bin_range?(num.slice(0, 8), CABAL_RANGES) },
+        'alelo'              => ->(num) { num&.size == 16 && in_bin_range?(num.slice(0, 6), ALELO_RANGES) },
+        'discover'           => ->(num) { num =~ /^(6011|65\d{2}|64[4-9]\d)\d{12,15}$/ },
+        '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&.size == 16 && in_bin_range?(num.slice(0, 4), JCB_RANGES) },
+        'dankort'            => ->(num) { num =~ /^5019\d{12}$/ },
+        'maestro'            => lambda { |num|
+          (12..19).cover?(num&.size) && (
+            in_bin_range?(num.slice(0, 6), MAESTRO_RANGES) ||
+            MAESTRO_BINS.any? { |bin| num.slice(0, bin.size) == bin }
+          )
+        },
+        'maestro_no_luhn'    => ->(num) { num =~ /^(501080|501081|501082)\d{6,13}$/ },
+        'forbrugsforeningen' => ->(num) { num =~ /^600722\d{10}$/ },
+        'sodexo'             => ->(num) { num =~ /^(606071|603389|606070|606069|606068|600818|505864|505865)\d{10}$/ },
+        'alia'               => ->(num) { num =~ /^(504997|505878|601030|601073|505874)\d{10}$/ },
+        'vr'                 => ->(num) { num =~ /^(627416|637036)\d{10}$/ },
+        '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 }
+          )
+        },
+        'cartes_bancaires' => ->(num) { num&.size == 16 && in_bin_range?(num.slice(0, 6), CARTES_BANCAIRES_RANGES) },
+        'olimpica' => ->(num) { num =~ /^636853\d{10}$/ },
+        'creditel' => ->(num) { num =~ /^601933\d{10}$/ },
+        'confiable' => ->(num) { num =~ /^560718\d{10}$/ },
+        'synchrony' => ->(num) { num =~ /^700600\d{10}$/ },
+        'routex' => ->(num) { num =~ /^(700676|700678)\d{13}$/ },
+        'mada' => ->(num) { num&.size == 16 && in_bin_range?(num.slice(0, 6), MADA_RANGES) },
+        'bp_plus' => ->(num) { num =~ /^(7050\d\s\d{9}\s\d{3}$|705\d\s\d{8}\s\d{5}$)/ },
+        'passcard' => ->(num) { num =~ /^628026\d{10}$/ },
+        'edenred' => ->(num) { num =~ /^637483\d{10}$/ },
+        'anda' => ->(num) { num =~ /^603199\d{10}$/ },
+        'tarjeta-d' => ->(num) { num =~ /^601828\d{10}$/ },
+        'hipercard' => ->(num) { num&.size == 16 && in_bin_range?(num.slice(0, 6), HIPERCARD_RANGES) }
+      }
+
+      SODEXO_NO_LUHN = ->(num) { num =~ /^(505864|505865)\d{10}$/ }
+
+      # http://www.barclaycard.co.uk/business/files/bin_rules.pdf
+      ELECTRON_RANGES = [
+        [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
+        ]
+      )
+
+      CARTES_BANCAIRES_RANGES = [
+        (507589..507590),
+        (507593..507595),
+        [507597],
+        [560408],
+        [581752],
+        (585402..585405),
+        (585501..585505),
+        (585577..585582)
+      ]
+
+      # https://www.mastercard.us/content/dam/mccom/global/documents/mastercard-rules.pdf, page 73
+      MASTERCARD_RANGES = [
+        (222100..272099),
+        (510000..559999),
+        [605272],
+        [606282],
+        [637095],
+        [637568],
+        (637599..637600),
+        [637609],
+      ]
+
+      MAESTRO_BINS = Set.new(
+        %w[ 500057
+            501018 501043 501045 501047 501049 501051 501072 501075 501083 501087 501089 501095
+            501500 501623
+            501879 502113 502120 502121 502301
+            503175 503337 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 589916
+            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 601452 601628 601638
+            602648
+            603326 603450 603689
+            604983
+            606126
+            608710
+            627339 627453 627454 627973
+            636117 636380 636422 636502 636639
+            637046 637529 637568 637600 637756
+            639130 639229 639350
+            690032]
+      )
+
+      # https://www.mastercard.us/content/dam/mccom/global/documents/mastercard-rules.pdf, page 79
+      MAESTRO_RANGES = [
+        (500032..500033),
+        (501015..501016),
+        (501020..501021),
+        (501023..501029),
+        (501038..501041),
+        (501053..501058),
+        (501060..501063),
+        (501066..501067),
+        (501091..501092),
+        (501104..501105),
+        (501107..501108),
+        (501104..501105),
+        (501107..501108),
+        (501800..501899),
+        (502000..502099),
+        (503800..503899),
+        (561200..561269),
+        (561271..561299),
+        (561320..561356),
+        (581700..581751),
+        (581753..581800),
+        (589300..589399),
+        (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),
+        (630400..630499),
+        (639000..639099),
+        (670000..679999),
+      ]
+
+      # https://dev.elo.com.br/apis/tabela-de-bins, download csv from left sidebar
+      ELO_RANGES = [
+        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, 636297..636298, 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 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.
+      ALELO_RANGES = [
+        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,
+        65027200..65027299,
+        65008700..65008700
+      ]
+
+      MADA_RANGES = [
+        504300..504300, 506968..506968, 508160..508160, 585265..585265, 588848..588848,
+        588850..588850, 588982..588983, 589005..589005, 589206..589206, 604906..604906,
+        605141..605141, 636120..636120, 968201..968209, 968211..968211
+      ]
+
+      NARANJA_RANGES = [
+        589562..589562
+      ]
+
+      # https://www.discoverglobalnetwork.com/content/dam/discover/en_us/dgn/pdfs/IPP-VAR-Enabler-Compliance.pdf
+      UNIONPAY_RANGES = [
+        62000000..62000000, 62212600..62379699, 62400000..62699999, 62820000..62889999,
+        81000000..81099999, 81100000..81319999, 81320000..81519999, 81520000..81639999, 81640000..81719999
+      ]
+
+      JCB_RANGES = [
+        3528..3589, 3088..3094, 3096..3102, 3112..3120, 3158..3159, 3337..3349
+      ]
+
+      HIPERCARD_RANGES = [
+        384100..384100, 384140..384140, 384160..384160, 606282..606282, 637095..637095,
+        637568..637568, 637599..637599, 637609..637609, 637612..637612
+      ]
+
+      def self.included(base)
+        base.extend(ClassMethods)
+      end
+
+      def self.in_bin_range?(number, ranges)
+        bin = number.to_i
+        ranges.any? do |range|
+          range.include?(bin)
+        end
+      end
+
+      def valid_month?(month)
+        (1..12).cover?(month.to_i)
+      end
+
+      def credit_card?
+        true
+      end
+
+      def valid_expiry_year?(year)
+        (Time.now.year..Time.now.year + 20).cover?(year.to_i)
+      end
+
+      def valid_start_year?(year)
+        ((year.to_s =~ /^\d{4}$/) && (year.to_i > 1987))
+      end
+
+      # Credit card providers have 3 digit verification values
+      # This isn't standardised, these are called various names such as
+      # CVC, CVV, CID, CSC and more
+      # See: http://en.wikipedia.org/wiki/Card_security_code
+      # American Express is the exception with 4 digits
+      #
+      # Below are links from the card providers with their requirements
+      # visa:             http://usa.visa.com/personal/security/3-digit-security-code.jsp
+      # master:           http://www.mastercard.com/ca/merchant/en/getstarted/Anatomy_MasterCard.html
+      # jcb:              http://www.jcbcard.com/security/info.html
+      # diners_club:      http://www.dinersclub.com/assets/DinersClub_card_ID_features.pdf
+      # discover:         https://www.discover.com/credit-cards/help-center/glossary.html
+      # american_express: https://online.americanexpress.com/myca/fuidfyp/us/action?request_type=un_fuid&Face=en_US
+      def valid_card_verification_value?(cvv, brand)
+        cvv.to_s =~ /^\d{#{card_verification_value_length(brand)}}$/
+      end
+
+      def card_verification_value_length(brand)
+        case brand
+        when 'american_express'
+          4
+        when 'maestro'
+          0
+        else
+          3
+        end
+      end
+
+      def valid_issue_number?(number)
+        (number.to_s =~ /^\d{1,2}$/)
+      end
+
+      # Returns if the card matches known Electron BINs
+      def electron?
+        self.class.electron?(number)
+      end
+
+      module ClassMethods
+        # Returns true if it validates. Optionally, you can pass a card brand as an argument and
+        # make sure it is of the correct brand.
+        #
+        # References:
+        # - http://perl.about.com/compute/perl/library/nosearch/P073000.htm
+        # - http://www.beachnet.com/~hstiles/cardtype.html
+        def valid_number?(number)
+          valid_test_mode_card_number?(number) ||
+            valid_card_number_length?(number) &&
+              valid_card_number_characters?(brand?(number), number) &&
+              valid_by_algorithm?(brand?(number), number)
+        end
+
+        def card_companies
+          CARD_COMPANY_DETECTORS.keys
+        end
+
+        # Returns a string containing the brand of card from the list of known information below.
+        def brand?(number)
+          return 'bogus' if valid_test_mode_card_number?(number)
+
+          CARD_COMPANY_DETECTORS.each do |company, func|
+            return company.dup if func.call(number)
+          end
+
+          return nil
+        end
+
+        def electron?(number)
+          return false unless [16, 19].include?(number&.length)
+
+          # don't recalculate for each range
+          bank_identification_number = first_digits(number).to_i
+
+          ELECTRON_RANGES.any? do |range|
+            range.include?(bank_identification_number)
+          end
+        end
+
+        def type?(number)
+          ActiveMerchant.deprecated 'CreditCard#type? is deprecated and will be removed from a future release of ActiveMerchant. Please use CreditCard#brand? instead.'
+          brand?(number)
+        end
+
+        def first_digits(number)
+          number&.slice(0, 6) || ''
+        end
+
+        def last_digits(number)
+          return '' if number.nil?
+
+          number.length <= 4 ? number : number.slice(-4..-1)
+        end
+
+        def mask(number)
+          "XXXX-XXXX-XXXX-#{last_digits(number)}"
+        end
+
+        # Checks to see if the calculated brand matches the specified brand
+        def matching_brand?(number, brand)
+          brand?(number) == brand
+        end
+
+        def matching_type?(number, brand)
+          ActiveMerchant.deprecated 'CreditCard#matching_type? is deprecated and will be removed from a future release of ActiveMerchant. Please use CreditCard#matching_brand? instead.'
+          matching_brand?(number, brand)
+        end
+
+        private
+
+        def valid_card_number_length?(number) #:nodoc:
+          return false if number.nil?
+
+          number.length >= 12
+        end
+
+        def valid_card_number_characters?(brand, number) #:nodoc:
+          return false if number.nil?
+          return number =~ /\A[0-9 ]+\Z/ if brand == 'bp_plus'
+
+          !number.match(/\D/)
+        end
+
+        def valid_test_mode_card_number?(number) #:nodoc:
+          ActiveMerchant::Billing::Base.test? &&
+            %w[1 2 3 success failure error].include?(number)
+        end
+
+        def sodexo_no_luhn?(numbers)
+          SODEXO_NO_LUHN.call(numbers)
+        end
+
+        def valid_by_algorithm?(brand, numbers) #:nodoc:
+          case brand
+          when 'naranja'
+            valid_naranja_algo?(numbers)
+          when 'creditel'
+            valid_creditel_algo?(numbers)
+          when 'alia', 'confiable', 'maestro_no_luhn', 'anda', 'tarjeta-d', 'hipercard'
+            true
+          when 'sodexo'
+            sodexo_no_luhn?(numbers) ? true : valid_luhn?(numbers)
+          when 'bp_plus', 'passcard', 'edenred'
+            valid_luhn_non_zero_check_digit?(numbers)
+          else
+            valid_luhn?(numbers)
+          end
+        end
+
+        BYTES_TO_DIGITS = {
+          48 => 0,
+          49 => 1,
+          50 => 2,
+          51 => 3,
+          52 => 4,
+          53 => 5,
+          54 => 6,
+          55 => 7,
+          56 => 8,
+          57 => 9,
+          nil => 0
+        }.freeze
+
+        BYTES_TO_DIGITS_DOUBLED = {
+          48 => 0, # 0 * 2
+          49 => 2, # 1 * 2
+          50 => 4, # 2 * 2
+          51 => 6, # 3 * 2
+          52 => 8, # 4 * 2
+          53 => 1, # 5 * 2 - 9
+          54 => 3, # 6 * 2 - 9
+          55 => 5, # etc ...
+          56 => 7,
+          57 => 9
+        }.freeze
+
+        # Checks the validity of a card number by use of the Luhn Algorithm.
+        # Please see http://en.wikipedia.org/wiki/Luhn_algorithm for details.
+        # This implementation is from the luhn_checksum gem, https://github.com/zendesk/luhn_checksum.
+        def valid_luhn?(numbers) #:nodoc:
+          sum = 0
+
+          odd = true
+          numbers.reverse.bytes.each do |bytes|
+            if odd
+              odd = false
+              sum += BYTES_TO_DIGITS[bytes]
+            else
+              odd = true
+              sum += BYTES_TO_DIGITS_DOUBLED[bytes]
+            end
+          end
+
+          sum % 10 == 0
+        end
+
+        def valid_luhn_with_check_digit?(numbers, check_digit)
+          sum = 0
+
+          doubler = true
+
+          numbers.reverse.bytes.each do |bytes|
+            doubler ? sum += BYTES_TO_DIGITS_DOUBLED[bytes] : sum += BYTES_TO_DIGITS[bytes]
+            doubler = !doubler
+          end
+
+          (10 - (sum % 10)) % 10 == check_digit.to_i
+        end
+
+        def valid_luhn_non_zero_check_digit?(numbers)
+          return valid_luhn?(numbers.delete(' ')) if numbers[5] == ' '
+
+          check_digit = numbers[-1]
+          luhn_payload = numbers.delete(' ').chop
+          valid_luhn_with_check_digit?(luhn_payload, check_digit)
+        end
+
+        # Checks the validity of a card number by use of specific algorithms
+        def valid_naranja_algo?(numbers) #:nodoc:
+          num_array = numbers.to_s.chars.map(&:to_i)
+          multipliers = [4, 3, 2, 7, 6, 5, 4, 3, 2, 7, 6, 5, 4, 3, 2]
+          num_sum = num_array[0..14].zip(multipliers).map { |a, b| a * b }.reduce(:+)
+          intermediate = 11 - (num_sum % 11)
+          final_num = intermediate > 9 ? 0 : intermediate
+          final_num == num_array[15]
+        end
+
+        def valid_creditel_algo?(numbers) #:nodoc:
+          num_array = numbers.to_s.chars.map(&:to_i)
+          multipliers = [5, 4, 3, 2, 1, 9, 8, 7, 6, 5, 4, 3, 2, 1, 9]
+          num_sum = num_array[0..14].zip(multipliers).map { |a, b| a * b }.reduce(:+)
+          final_num = num_sum % 10
+          final_num == num_array[15]
+        end
+      end
+    end
+  end
+end

data/lib/active_merchant/billing/cvv_result.rb

@@ -0,0 +1,37 @@
+module ActiveMerchant
+  module Billing
+    # Result of the Card Verification Value check
+    # http://www.bbbonline.org/eExport/doc/MerchantGuide_cvv2.pdf
+    # Check additional codes from cybersource website
+    class CVVResult
+      MESSAGES = {
+        'D'  =>  'CVV check flagged transaction as suspicious',
+        'I'  =>  'CVV failed data validation check',
+        'M'  =>  'CVV matches',
+        'N'  =>  'CVV does not match',
+        'P'  =>  'CVV not processed',
+        'S'  =>  'CVV should have been present',
+        'U'  =>  'CVV request unable to be processed by issuer',
+        'X'  =>  'CVV check not supported for card'
+      }
+
+      def self.messages
+        MESSAGES
+      end
+
+      attr_reader :code, :message
+
+      def initialize(code)
+        @code = (code.blank? ? nil : code.upcase)
+        @message = MESSAGES[@code]
+      end
+
+      def to_hash
+        {
+          'code' => code,
+          'message' => message
+        }
+      end
+    end
+  end
+end