$re = '/(?!(?:\D*\d){14}$|(?:\D*\d){1,3}$)\d/m';
$str = '71088-987876-54-351
7108898787654351
7108-8987-8765-4351';
$subst = "*";
$result = preg_replace($re, $subst, $str);
echo "The result of the substitution is ".$result;
Please keep in mind that these code samples are automatically generated and are not guaranteed to work. If you find any syntax errors, feel free to submit a bug report. For a full regex reference for PHP, please visit: http://php.net/manual/en/ref.pcre.php