Free Java Credit Card API Available

Question

I am looking for a free java api that allows me to process and verify data read from a credit card. I am NOT looking for a payment gateway to do this. I basically want to read the card, store the components in memory and know its valid card.

Are there any java libraries that can do this for free?

I currently have a USB card reader, and visually I can “select” most of the parts, but I’m sure that there is checksum data, and I know CCV1 data somewhere here, but where / how I don’t know and would rather use the API instead of reinventing the wheel.

Answer 1

You cannot check whether the card is really “valid” without going through the payment processor. You can check the card number by calculating the checksum (the algorithm is easily localized via google and extremely easy to implement), but you cannot even check the CVV / CVS number yourself - this is a hash that only the card processing network knows. (Even the bank does not know this number, at least not directly.)