通过银行卡号解析银行名称和卡别

前几天在支付宝添加银行卡的时候注意到输完卡号支付宝就自动识别了银行名称，所以用Firefox自带的工具看了一下实现方式，发现支付宝有一个 API 来做这个事情，只要依据固定的格式发送HTTP请求就可以获得JSON格式的结果，除了对应的银行名称代码之外，还有银行卡的类型（储蓄卡/信用卡）。

把以下URL中的银行卡卡号替换成需要查询的真实卡号即可。

https:<span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><strong>//</strong></span>ccdcapi.alipay.com<span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><strong>/</strong></span>validateAndCacheCardInfo.json?<span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(0, 120, 0);">_input_charset</span>=utf-<span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">8</span><span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><strong>&</strong></span><span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(0, 120, 0);">cardNo</span>=银行卡卡号<span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><strong>&</strong></span><span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(0, 120, 0);">cardBinCheck</span>=<span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(194, 12, 185);"><strong>true</strong></span>

下面是一个农业银行的例子，当然卡号是假的，只是头6位是农行的BIN码而已。支付宝的这个API并没有使用LUHN算法来验证银行卡是否合法。

zhu<span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><strong>@</strong></span>tp430:~<span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><strong>/</strong></span>Dev<span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><strong>/</strong></span>cnbankcard$ http <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(255, 0, 0);">"https://ccdcapi.alipay.com/validateAndCacheCardInfo.json?_input_charset=utf-8&cardNo=6228430120000000000&cardBinCheck=true"</span> HTTP<span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><strong>/</strong></span><span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">1.1</span> <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">200</span> OK Connection: keep-alive Content-Language: zh-CN Content-Length: <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">101</span> Content-Type: application<span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><strong>/</strong></span>json;<span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(0, 120, 0);">charset</span>=GBK Date: Sun, 08 Mar <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">2015</span> <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">15</span>:<span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">21</span>:<span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">17</span> GMT Server: spanner<span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><strong>/</strong></span>1.0.6 Set-Cookie: <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(0, 120, 0);">JSESSIONID</span>=CCDE8AA9E2DAEC082A7614734AF729FB; <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(0, 120, 0);">Path</span>=<span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><strong>/</strong></span>; HttpOnly Set-Cookie: <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(0, 120, 0);">JSESSIONID</span>=CCDE8AA9E2DAEC082A7614734AF729FB; <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(0, 120, 0);">Path</span>=; Secure; HttpOnly Set-Cookie: <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(0, 120, 0);">spanner</span>=dauWw2JHEhbWoKV<span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><strong>/</strong></span>zrMf2LLFCxFf8h1G;<span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(0, 120, 0);">path</span>=<span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><strong>/</strong></span>;secure; Strict-Transport-Security: max-age=<span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">31536000</span>   <span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(122, 8, 116);"><strong>{</strong></span> <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(255, 0, 0);">"bank"</span>: <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(255, 0, 0);">"ABC"</span>, <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(255, 0, 0);">"cardType"</span>: <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(255, 0, 0);">"DC"</span>, <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(255, 0, 0);">"key"</span>: <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(255, 0, 0);">"6228430120000000000"</span>, <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(255, 0, 0);">"messages"</span>: <span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(122, 8, 116);"><strong>[</strong></span><span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(122, 8, 116);"><strong>]</strong></span>, <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(255, 0, 0);">"stat"</span>: <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(255, 0, 0);">"ok"</span>, <span style="border: 0px; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(255, 0, 0);">"validated"</span>: <span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(194, 12, 185);"><strong>true</strong></span> <span style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(122, 8, 116);"><strong>}</strong></span>

因为JSON数据里的银行名称是英文代码，所以写了一个 Python 脚本从支付宝的合作银行页面自动获取英文代码对应的中文银行名。

此外，银行的LOGO也可以用过支付宝提供的一个图片API获取。

以上详情我都记录在cnbankcard这个Github Repo里。

其实背后的原理也很简单。一般来说，通过银行卡卡号的前6位BIN码可以得出该银行卡的发卡行，所以只要有一个事先准备好的字典，就能写一个简单的程序来通过银行卡卡号识别银行名称。网上有一些提供银行卡查询的网站，甚至能识别到归属地，部分还提供了收费API。不过既然支付宝有这种不公开的开放API，就不必去花钱了。

转载：http://www.digglife.NET/articles/cnbankcard.html