Here’s the rub: if the offense of CCW were worded as “it is unlawful to carry a weapon concealed without a permit,” then lack of a permit is part of the offense, and until there is reason to suspect that, there is no probable cause. But if it is worded as “It is unlawful to carry a weapon concealed. Exception for people having permits,” then concealed carrying is the offense, and sufficient suspicion of that justifies an arrest or detention. Having the permit is a defense, and the officer doesn’t have to rule that out, any more than he has to rule out insanity, justification, etc..
Looking at Pennsylvania’s Uniform Firearms Act:
(a)Â Offense defined.–
(1) Except as provided in paragraph (2), any person who carries a firearm in any vehicle or any person who carries a firearm concealed on or about his person, except in his place of abode or fixed place of business, without a valid and lawfully issued license under this chapter commits a felony of the third degree.
(2) A person who is otherwise eligible to possess a valid license under this chapter but carries a firearm in any vehicle or any person who carries a firearm concealed on or about his person, except in his place of abode or fixed place of business, without a valid and lawfully issued license and has not committed any other criminal violation commits a misdemeanor of the first degree.
So we’re actually different from Georgia in that regard, meaning there’d have to be some reasonable suspicion that you had a firearm and did not have a license, according to Dave’s criteria.