Free Credit Card Java API available

Question

I am looking for a free java api that allows the data read off a credit card to be processed and validated. I'm NOT looking for a payment gateway to do that. I basically want to read the card, store the components in memory and know it's a valid card.

Is there any java libraries out there that are free that can do this?

Currently I have a USB card reader, and visually I can "pick out" most of the pieces but i'm sure there is checksum data and I know the CCV1 data in here somewhere, but where/how I don't know and would prefer to use an API instead of reinventing the wheel.

Answer 1

You can't check to see if a card is truly "valid" without going through a payment processor. You can verify the card number by computing the checksum (algorithm easily locatable via google, and extremely simple to implement), but you can't even verify the CVV/CVS number yourself - that's a hash that only the card processing network knows. (Not even the bank knows that number, at least not directly.)