issue #23937 - part 2 of client side expands support for missing ccard records
auth.net sometimes uses 4 digits and sometimes XXXXdddd so always truncate to 4, and force live mode when talking to the test gateway to get testable data
add support for a credit card bank account for non-standard card types (requires changes to ccard table and setccbankaccount() stored proc)
Merge pull request #383 from gilmoskowitz/issue23937_pt2

issue #23937 - part 2 of desktop client side