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JavaScript : HTML Form - Credit Card Number validation

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A validating credit card is an important point while receiving payment through an HTML form. In this page, we have discussed how to validate a credit card number (in a different format) using JavaScript. There are various companies in financial market offer credit cards. But there is no common format in the credit card numbering system, it varies company to company. We are not sure that all the formats which we have discussed here are correct because time to time a company can change their numbering format. You can easily change a format with simply modify the regular expression which we have used for various cards. Here are some format of some well-known credit cards.

  • American Express :- Starting with 34 or 37, length 15 digits.
  • Visa :- Starting with 4, length 13 or 16 digits.
  • MasterCard :- Starting with 51 through 55, length 16 digits.
  • Discover :- Starting with 6011, length 16 digits or starting with 5, length 15 digits.
  • Diners Club :- Starting with 300 through 305, 36, or 38, length 14 digits.
  • JCB :- Starting with 2131 or 1800, length 15 digits or starting with 35, length 16 digits.

Following code blocks contain actual codes for the said credit cards validations. We have kept the CSS code part common for all the validations.

Validate a American Express credit card

Following example validate a American Express credit card starting with 34 or 37, length 15 digits.

Credit card type

Following example validate a Visa card starting with 4, length 13 or 16 digits.

Credit card type

Following example validate a MasterCard starting with 51 through 55, length 16 digits.

Credit card type

Following example validate a Discover Card starting with 6011, length 16 digits or starting with 5, length 15 digits.

Credit card type

Following example validate a Diners Club card starting with 300 through 305, 36, or 38, length 14 digits.

Credit card type

Following example validate a JCB card starting with 2131 or 1800, length 15 digits or starting with 35, length 16 digits.

Credit card type

Credit card typeDownload the Validation code from here.

Other JavaScript Validation :

Credit card type

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Credit card type

Credit card fraud comes in many different shapes and forms, including fraud that involves using a payment card of some description, and more. The reasons for credit card fraud also vary. Some are designed to obtain funds from accounts, while others wish to obtain goods for free. Furthermore, it is very important to understand that credit card fraud is linked closely to identity theft. According to the Federal Trade Commission, some 5% of all people over 16 in this country have been or will be the victim of identity theft. Additionally, at the last count in 2008, it was found that there had been a 21% growth in prevalence of identity theft. On the other hand, the percentage of identity theft cases related to credit card fraud decreased, which is a positive thing and a credit to law enforcement professionals and the general public as a whole.

It seems that about 0.1% of all credit card transactions are fraudulent, which equates to a huge financial loss. Some 12 billion credit card transactions were conducted in 2009, of which about 10 million were fraudulent. Additionally, it was found that 0.04% of all accounts that were active monthly were fraudulent. These proportions have not changed much over time. It is a positive thing to know, however, that there are now more sophisticated methods of detecting fraud and stopping it. Unfortunately, the actual amount in losses continues to be in the billions.

But credit card fraud is not just one single action. In fact, there are many different forms out there. Below are the 11 most common forms of credit card fraud. It is important to remember that there are more, particularly as hackers and identity thieves are becoming more proficient at taking people’s financial data online.

Application fraud generally happens in conjunction with identity theft. It happens when other people apply for credit or a new credit card in your name. They will usually first steal supporting documents, which are then used to substantiate their fraudulent application. Banks have various safeguarding measures in place to stop this type of fraud from happening. The most important one is requiring original documentation only. Additionally, they will often telephone employers to confirm identity. Unfortunately, criminals will frequently forge documents and provide false telephone numbers for places of employment. Unfortunately, there are always ways around certain safeguarding measures.

2. Electronic or Manual Credit Card Imprints

A second form of credit card fraud is experienced through credit card imprints This means that somebody skims information that is placed on the magnetic strip of the card. This is then used to encode a fake card or to complete fraudulent transactions.

If somebody knows the expiry date and account number of your card, they can commit CNP fraud against you. This can be done through phone, mail or internet. It essentially means that somebody uses your card without actually being in physical possession of it. More and more and often, merchants will require the card verification code, making CNP fraud slightly more difficult, but if a fraudster can get your account number, they probably know that number too. Additionally, there are only 999 possible combinations for the verification code. As such, many criminals attempt to order items of very low amounts until they figure out the right number. Be on the lookout, therefore, for small payments on your statements.

Counterfeit card fraud is usually committed through skimming. This means that a fake magnetic swipe card holds all your card details. This fake strip is then used to create a fraudulent card that is fully functional. Essentially, it is an exact copy, which means fraudsters can simply swipe it in a machine to pay for certain goods. This type of fraud can also be committed by someone who knows your card details. They can use this information to create a so-called ‘fake plastic’. Here, the magnetic strip or the chip on the card doesn’t actually work. However, it is often easy enough to convince a merchant that there is something wrong with the card, at which point they will enter the transaction by hand.

The next possible type is lost and stolen card fraud. Here, your card will be taken from your possession, either through theft or because you lost it. The criminals who get their hands on it will then use it to make payments. It is difficult to do this through machines, as they will require a pin number. However, it is easy enough to use a found or stolen card to make online purchases. It is for this reason that it is vital that you cancel your cards as soon as you realize they are missing.

Card ID theft happens when the details of your card become known to a criminal, and this information is then used to take over a card account or open a new one. Your name will be used for this. This is one of the most difficult types of fraud to identify and to recover from, because it can take a long time before you even know that it has happened.

This type of fraud is also known as never received issue or intercept fraud. In this case, you were expecting a new card or replacement one and a criminal is able to intercept these. The criminal will then register the card and they will use it to make purchases and more.

With assumed identity fraud, a criminal will use a temporary address and a false name to obtain a credit card. There are a number of systems in place with banks for protection against this type of fraud. For instance, they will ask new customers to provide account references and these will be check to ascertain that they are genuine. Additionally, they could ask for such things as birth certificates, original copies of driver’s license or passports and so on. They often ask for these things before they will send a card out.

A doctored card is a card whereby a strong magnet has erased its metallic stripe. Criminals do this and then manage to change the details on the card itself so that they match those of valid cards. Naturally, this card won’t work when a criminal tries to pay for something. However, they will then use their charm to convince a merchant to just enter the details of the card manually.

It takes a lot of time, skill and effort to create fake credit cards, but that doesn’t stop a determine criminal. A card has to meet certain complex security features and cards are becoming increasingly advanced, meaning this is much harder to do. There is the magnetic strip, the chip and, often, holograms. However, someone who is skilled can forge this type of cards using fake names and numbers and will make transactions with the card. The card isn’t actually linked to an account, so the credit card company will not pay for the transaction since they cannot link it to a specific user. By that time, however, the criminal will be long gone with their purchases.

Account takeover is actually one of the most common forms of credit card fraud. Basically, a criminal will somehow manage to get hold of all of your information and relevant documents. This is usually done online. They will then contact the credit card company and pretend to be you, asking them to change the address. They will provide ‘proof’ of identity, since they have hacked through or otherwise obtained, your personal details. A replacement card will then be sent to the fake address, and the criminal will be able to make charges.

Unfortunately, it isn’t rare for this type of fraud to occur. It is important, therefore, that you are aware of what they are and you must be able to take the appropriate steps to prevent criminals from committing credit card fraud against you. Protecting your personal information is the most important element of that. This means common sense steps such as using strong, unique passwords and not leaving documents in plain sight.

Credit card type

Michael Bennett is Editor-in-Chief of Consumer Protect.com. Since 1999, he's worked across a multitude of areas of consumer protection including defective products, environmental issues, identity theft, predatory lending and more. His mission with Consumer Protect.com is to promote & support competition in all industries but not at the expense of the consumer. If you find his articles helpful please share them with your readers.

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