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// Copyright 2024 The Chromium Authors
// Use of this source code is governed by a BSD-style license that can be
// found in the LICENSE file.
#include "components/autofill/core/common/credit_card_number_validation.h"
#include <stddef.h>
#include <string>
#include <string_view>
#include "base/containers/adapters.h"
#include "base/feature_list.h"
#include "base/strings/string_number_conversions.h"
#include "base/strings/string_util.h"
#include "base/strings/utf_string_conversions.h"
#include "components/autofill/core/common/autofill_payments_features.h"
#include "components/autofill/core/common/autofill_regexes.h"
#include "components/autofill/core/common/credit_card_network_identifiers.h"
namespace autofill {
bool IsValidCreditCardNumber(std::u16string_view text) {
const std::u16string number = StripCardNumberSeparators(text);
return HasCorrectCreditCardNumberLength(number) && PassesLuhnCheck(number);
}
bool HasCorrectCreditCardNumberLength(std::u16string_view number) {
// Credit card numbers are at most 19 digits in length, 12 digits seems to
// be a fairly safe lower-bound [1]. Specific card issuers have more rigidly
// defined sizes.
// (Last updated: May 29, 2017)
// [1] https://en.wikipedia.org/wiki/Payment_card_number.
// CardEditor.isCardNumberLengthMaxium() needs to be kept in sync.
const char* const type = GetCardNetwork(number);
if (type == kAmericanExpressCard && number.size() != 15)
return false;
if (type == kDinersCard && number.size() != 14)
return false;
if (type == kDiscoverCard && number.size() != 16)
return false;
if (type == kEloCard && number.size() != 16)
return false;
if (type == kJCBCard && number.size() != 16)
return false;
if (type == kMasterCard && number.size() != 16)
return false;
if (type == kMirCard && number.size() != 16)
return false;
if (type == kTroyCard && number.size() != 16)
return false;
if (type == kUnionPay && (number.size() < 16 || number.size() > 19))
return false;
if (type == kVerveCard && number.size() != 16 && number.size() != 18 &&
number.size() != 19)
return false;
if (type == kVisaCard && number.size() != 13 && number.size() != 16 &&
number.size() != 19)
return false;
if (type == kGenericCard && (number.size() < 12 || number.size() > 19))
return false;
return true;
}
bool PassesLuhnCheck(std::u16string_view number) {
// Use the Luhn formula [3] to validate the number.
// [3] http://en.wikipedia.org/wiki/Luhn_algorithm
int sum = 0;
bool odd = false;
for (char16_t c : base::Reversed(number)) {
if (!base::IsAsciiDigit(c))
return false;
int digit = c - '0';
if (odd) {
digit *= 2;
sum += digit / 10 + digit % 10;
} else {
sum += digit;
}
odd = !odd;
}
return (sum % 10) == 0;
}
std::u16string StripCardNumberSeparators(std::u16string_view number) {
std::u16string stripped;
base::RemoveChars(number, u"- ", &stripped);
return stripped;
}
const char* GetCardNetwork(std::u16string_view number) {
// Credit card number specifications taken from:
// https://en.wikipedia.org/wiki/Payment_card_number,
// http://www.regular-expressions.info/creditcard.html,
// https://developer.ean.com/general-info/valid-card-types,
// http://www.bincodes.com/, and
// http://www.fraudpractice.com/FL-binCC.html.
// (Last updated: March 2021; change Troy bin range)
//
// Card Type Prefix(es) Length
// --------------------------------------------------------------------------
// Visa 4 13,16,19
// American Express 34,37 15
// Diners Club 300-305,309,36,38-39 14
// Discover Card 6011,644-649,65 16
// Elo See Elo regex pattern below 16
// JCB 3528-3589 16
// Mastercard 2221-2720, 51-55 16
// MIR 2200-2204 16
// Troy 22050-22052, 9792 16
// UnionPay 62 16-19
// Verve 506099–506198,507865-507964,650002–650027 16,18,19
// Determine the network for the given |number| by going from the longest
// (most specific) prefix to the shortest (most general) prefix.
std::u16string stripped_number = StripCardNumberSeparators(number);
// Original Elo parsing included only 6 BIN prefixes. This regex pattern,
// sourced from the official Elo documentation, attempts to cover missing gaps
// via a more comprehensive solution.
static constexpr char16_t kEloRegexPattern[] =
// clang-format off
u"^("
u"50("
u"67("
u"0[78]|"
u"1[5789]|"
u"2[012456789]|"
u"3[01234569]|"
u"4[0-7]|"
u"53|"
u"7[4-8]"
u")|"
u"9("
u"0(0[0-9]|1[34]|2[013457]|3[0359]|4[0123568]|5[01456789]|6[012356789]|7[013]|8[123789]|9[1379])|"
u"1(0[34568]|4[6-9]|5[1245678]|8[36789])|"
u"2(2[02]|57|6[0-9]|7[1245689]|8[023456789]|9[1-6])|"
u"3(0[78]|5[78])|"
u"4(0[7-9]|1[012456789]|2[02]|5[7-9]|6[0-5]|8[45])|"
u"55[01]|"
u"636|"
u"7(2[3-8]|32|6[5-9])"
u")"
u")|"
u"4("
u"0117[89]|3(1274|8935)|5(1416|7(393|63[12]))"
u")|"
u"6("
u"27780|"
u"36368|"
u"5("
u"0("
u"0(3[1258]|4[026]|69|7[0178])|"
u"4(0[67]|1[0-3]|2[2345689]|3[0568]|8[5-9]|9[0-9])|"
u"5(0[01346789]|1[01246789]|2[0-9]|3[0178]|5[2-9]|6[012356789]|7[01789]|8[0134679]|9[0-8])|"
u"72[0-7]|"
u"9(0[1-9]|1[0-9]|2[0128]|3[89]|4[6-9]|5[01578]|6[2-9]|7[01])"
u")|"
u"16("
u"5[236789]|"
u"6[025678]|"
u"7[013456789]|"
u"88"
u")|"
u"50("
u"0[01356789]|"
u"1[2568]|"
u"26|"
u"3[6-8]|"
u"5[1267]"
u")"
u")"
u")"
u")$";
// clang-format on
// Check for prefixes of length 6.
if (stripped_number.size() >= 6) {
int first_six_digits = 0;
if (!base::StringToInt(stripped_number.substr(0, 6), &first_six_digits))
return kGenericCard;
if (MatchesRegex<kEloRegexPattern>(
base::NumberToString16(first_six_digits))) {
return kEloCard;
}
if ((first_six_digits >= 506099 && first_six_digits <= 506198) ||
(first_six_digits >= 507865 && first_six_digits <= 507964) ||
(first_six_digits >= 650002 && first_six_digits <= 650027)) {
return kVerveCard;
}
}
// Check for prefixes of length 5.
if (stripped_number.size() >= 5) {
int first_five_digits = 0;
if (!base::StringToInt(stripped_number.substr(0, 5), &first_five_digits))
return kGenericCard;
if (first_five_digits == 22050 || first_five_digits == 22051 ||
first_five_digits == 22052) {
return kTroyCard;
}
}
// Check for prefixes of length 4.
if (stripped_number.size() >= 4) {
int first_four_digits = 0;
if (!base::StringToInt(stripped_number.substr(0, 4), &first_four_digits))
return kGenericCard;
if (first_four_digits >= 2200 && first_four_digits <= 2204)
return kMirCard;
if (first_four_digits == 9792)
return kTroyCard;
if (first_four_digits >= 2221 && first_four_digits <= 2720)
return kMasterCard;
if (first_four_digits >= 3528 && first_four_digits <= 3589)
return kJCBCard;
if (first_four_digits == 6011)
return kDiscoverCard;
}
// Check for prefixes of length 3.
if (stripped_number.size() >= 3) {
int first_three_digits = 0;
if (!base::StringToInt(stripped_number.substr(0, 3), &first_three_digits))
return kGenericCard;
if ((first_three_digits >= 300 && first_three_digits <= 305) ||
first_three_digits == 309)
return kDinersCard;
if (first_three_digits >= 644 && first_three_digits <= 649)
return kDiscoverCard;
}
// Check for prefixes of length 2.
if (stripped_number.size() >= 2) {
int first_two_digits = 0;
if (!base::StringToInt(stripped_number.substr(0, 2), &first_two_digits))
return kGenericCard;
if (first_two_digits == 34 || first_two_digits == 37)
return kAmericanExpressCard;
if (first_two_digits == 36 || first_two_digits == 38 ||
first_two_digits == 39)
return kDinersCard;
if (first_two_digits >= 51 && first_two_digits <= 55)
return kMasterCard;
if (first_two_digits == 62)
return kUnionPay;
if (first_two_digits == 65)
return kDiscoverCard;
}
// Check for prefixes of length 1.
if (stripped_number.empty())
return kGenericCard;
if (stripped_number[0] == '4')
return kVisaCard;
return kGenericCard;
}
} // namespace autofill
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