ruby/rails detect financial track data and return nil/empty string - ruby-on-rails

Question

I read through similar stackoverflow questions to understand financial track card data.
I think the issue I am facing might be slightly different or maybe I am really weak in regex.
Now we have a service that returns track data accidentally instead of the guest name.
My goal is every time I receive track data I display "" empty string, else return the guest name.( This is a temp solution until we fix the root cause)
This is what my regular expressions is but looks like it doesn't detect track data.
irb(main):043:0> guestname="%4234242xx12^TEST/GUEST L ^324532635645744646462"
irb(main):044:0> (/[(%[bB])(;)]\d{3,}.{9,}[(^.+^)(=)].+\?.{,2}/.match(guestname)) ? "" : guestname
=> "%4234242xx12^TEST/GUEST L ^324532635645744646462"
(Not real data)
Now, looking at the wiki for track data information I want to cover most cases, if not all:
https://en.wikipedia.org/wiki/Magnetic_stripe_card#Financial_cards
Could some help with my regex. This is what I have:
/[(%[bB])(;)]\d{3,}.{9,}[(^.+^)(=)].+\?.{,2}/
Track 1, Format B:
Start sentinel — one character (generally '%')
Format code="B" — one character (alpha only)
Primary account number (PAN) — up to 19 characters. Usually, but not
always, matches the credit card number printed on the front of the
card.
Field Separator — one character (generally '^')
Name — 2 to 26 characters
Field Separator — one character (generally '^')
Expiration date — four characters in the form YYMM.
Service code — three characters
Discretionary data — may include Pin Verification Key Indicator (PVKI,
1 character), PIN Verification Value (PVV, 4 characters), Card
Verification Value or Card Verification Code (CVV or CVC, 3
characters)
End sentinel — one character (generally '?')
Longitudinal redundancy check (LRC) — it is one character and a
validity character calculated from other data on the track.
Track 2: This format was developed by the banking industry (ABA). This
track is written with a 5-bit scheme (4 data bits + 1 parity), which
allows for sixteen possible characters, which are the numbers 0-9,
plus the six characters : ; < = > ? . The selection of six
punctuation symbols may seem odd, but in fact the sixteen codes simply
map to the ASCII range 0x30 through 0x3f, which defines ten digit
characters plus those six symbols. The data format is as follows:
Start sentinel — one character (generally ';')
Primary account number (PAN) — up to 19 characters. Usually, but not
always, matches the credit card number printed on the front of the
card.
Separator — one char (generally '=')
Expiration date — four characters in the form YYMM.
Service code — three digits. The first digit specifies the interchange
rules, the second specifies authorisation processing and the third
specifies the range of services
Discretionary data — as in track one
End sentinel — one character (generally '?')
Longitudinal redundancy check (LRC) — it is one character and a
validity character calculated from other data on the track. Most
reader devices do not return this value when the card is swiped to the
presentation layer, and use it only to verify the input internally to
the reader.

Answer 1

Your example input string does not contain format code after first sentinel.
You are trying to parse html-encoded version, which is weird.
So, I would start with html decoding. E.g. with Nokogiri:
▶ guestname="%4234242xx12^TEST/GUEST L ^324532635645744646462"
#⇒ "%4234242xx12^TEST/GUEST L ^324532635645744646462"
▶ parsed = Nokogiri::HTML.parse(guestname).text
#⇒ "%4234242xx12^TEST/GUEST L ^324532635645744646462"
OK, now we at least have a leading percent. Now let us ask ourselves: how many users have a guest name starting with a percent sign? I bet none. You might re-check yourself by running a query against your database. Since it is a temporary solution, I would definitely shut the perfectionism up and go with:
▶ parsed =~ /\A%/ ? '' : parsed
Hope it helps.