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Credit Card number masking

Discussion in 'Optigold ISP' started by thunderbolt, Jan 27, 2005.

  1. #1
    Shawn,

    Could you please add the ability for the credit card numbers to be masked so only the LAST 4 digits show rather than the first 4? There is a law in my state coming into affect that requires I show only the last 4 numbers on receipts. I know this is also going into affect in several other states, but I don't know which ones or when the timeframe is.

    Thanks,
    Ron
     
    thunderbolt, Jan 27, 2005 IP
  2. digitalpoint

    digitalpoint Overlord of no one Staff

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    #2
    What part of Optigold are you specifically referring to?
     
    digitalpoint, Jan 27, 2005 IP
  3. thunderbolt

    thunderbolt Peon

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    #3
    The 'Credit Card Payment Records Partial Number' part. At the moment it seems to record the first 4 digits, and I need it to only record the last 4 instead or I will be in violation of this new law.

    I need it so it only prints xxxx-xxxx-xxxx-1234 as the charged card instead of 1234-xxxx-xxxx-xxxx as it presently does.

    Thanks,
    Ron
     
    thunderbolt, Jan 27, 2005 IP
  4. digitalpoint

    digitalpoint Overlord of no one Staff

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    #4
    That seems odd considering the last 4 digits are the "more unique" part. The first 4 digits are always the same for all cards from that bank. What state are you in? Do you have something you can point me to that I can read up on it?
     
    digitalpoint, Jan 27, 2005 IP
  5. Matts

    Matts Berserker

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    #5
    The government doesn't takes such details into consideration when passing laws. Under the Federal Fair Credit Reporting Act section 605(e) on page 23 of this document(http://www.ftc.gov/os/statutes/031224fcra.pdf), the US government will require merchants to show only the last *5* numbers of a credit card on a receipt:

    This has to be in place by 12/31/2005 (I think).
     
    Matts, Jan 27, 2005 IP
  6. thunderbolt

    thunderbolt Peon

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    #6
    http://www.bankrate.com/brm/news/cc/20010129a.asp

    I can't find the one specific for Washington at the moment, but here is the California one:

    http://www.privacy.ca.gov/code/cc1747.9.htm

    It allows the last 5 digits, but as the top link states the Washington law only allows 4.

    At the moment, per my reading Optigold would already be illegal for use in California or the numbers would have to be completely removed from the receipts. These are old articles actually, and the laws are now coming into affect other places than just California.

    Ron
     
    thunderbolt, Jan 27, 2005 IP
  7. thunderbolt

    thunderbolt Peon

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    #7
    Matts/Shawn,

    Some states (such as Washington) seem to be making their laws even more strict than the Federal law. I'm being restricted to only 4. I'm not sure how interstate commerce will work with this (i.e. is someone billing someone in Washington limited to only 4 even though their office is in California which allows 5?). Here's another link I just found that has links to all the state's laws and also notes the associated fines.

    http://www.merchantequip.com/truncation.php

    Ron
     
    thunderbolt, Jan 27, 2005 IP
  8. digitalpoint

    digitalpoint Overlord of no one Staff

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    #8
    It's been changed in Optigold.
     
    digitalpoint, Jan 27, 2005 IP
  9. thunderbolt

    thunderbolt Peon

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    #9
    Thanks Shawn!
     
    thunderbolt, Jan 27, 2005 IP
  10. Canadiancard.ca

    Canadiancard.ca Peon

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    #10
    forgive my ignorance, but what is Optigold?
     
    Canadiancard.ca, Aug 31, 2010 IP
  11. wgcom

    wgcom Peon

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    #11
    ISP billing software product
     
    wgcom, Sep 1, 2010 IP
  12. Oceanus

    Oceanus Member

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    #12
    Thank you! I had the same issue. Which is strange because many credit cards have the same first four digits. Oh well. At least it works for me now
     
    Oceanus, Feb 15, 2011 IP
  13. auburn1984

    auburn1984 Peon

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    #13
    Thanks this information was really helpfull
     
    auburn1984, Feb 28, 2011 IP
  14. zslwork

    zslwork Peon

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    #14
    its better we shop the discussion on credit cards so that many will not know behind the card numbers.
    if every one come to know this they will just try to play number game with different combination
     
    zslwork, Mar 1, 2011 IP
  15. edits

    edits Greenhorn

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    #15
    First four numbers of a credit card generally relate to whether it is a mastercard or visa etc (first number) and the issuing bank.

    Last four numbers are random, hence the masking.
     
    edits, Mar 1, 2011 IP