关于银行卡号合法性的验证,网上主流的验证算法是luhn算法,代码如下:
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- public static char getBankCardCheckCode(String nonCheckCodeCardId){
- if(nonCheckCodeCardId == null || nonCheckCodeCardId.trim().length() == 0
- || !nonCheckCodeCardId.matches("\\d+")||nonCheckCodeCardId.trim().length()<15
- ||nonCheckCodeCardId.trim().length()>18) {
-
- return 'N';
- }
- char[] chs = nonCheckCodeCardId.trim().toCharArray();
- int luhmSum = 0;
-
- for(int i = chs.length - 1, j = 0; i >= 0; i--, j++) {
- int k = chs[i] - '0';
- if(j % 2 == 0) {
- k *= 2;
- k = k / 10 + k % 10;
- }
- luhmSum += k;
- }
- return (luhmSum % 10 == 0) ? '0' : (char)((10 - luhmSum % 10) + '0');
- }
银行卡号最后一位是校验位。
但是对于一些地方性的商业银行,该算法并不适用,实际应用中发现平安银行(原深圳发展银行16位借记卡)老卡没办法通过luhn算法。
无奈只能验证下银行卡Bin号的合法性,实际卡号的合法性移交给金融支付接口来判断,这一块没有算法支持。。。
网上最多验证Bin号的合法性最多的就是查表发,代码着实麻烦,所以网上各种查,最终发现了个良心接口,阿里提供的验证Bin号的免费接口:
https://ccdcapi.alipay.com/validateAndCacheCardInfo.json?_input_charset=utf-8&cardNo=待验证银行卡号&cardBinCheck=true
返回json数据如下:
- {"bank":"SPABANK","validated":true,"cardType":"DC","key":"6225380004804588","messages":[],"stat":"ok"}
- {"bank":"BJBANK","validated":true,"cardType":"CC","key":"1475288866977-8125-10.208.0.26-684929885","messages":[],"stat":"ok"}
- {"validated":false,"key":"62129611060012231","stat":"ok","messages":[{"errorCodes":"CARD_BIN_NOT_MATCH","name":"cardNo"}]}
该接口返回银行Bin号的合法与否(validated),所属银行(bank),银行卡类型(cardType,DC:借记卡,CC:信用卡)。
本来想在前台页面使用,因涉及跨域操作,所以使用jsonp,但是返回的数据浏览器始终报接收数据语法错误,一直找不出具体原因,使用代码如下:
- $.ajax({
- url: 'https://ccdcapi.alipay.com/validateAndCacheCardInfo.json?_input_charset=utf-8&cardNo='+cardNum+'&cardBinCheck=true',
- type: "get",
- dataType: "jsonp",
- async:false,
- jsonp:'callback',
- jsonpCallback:'success_jsonpCallback',
- success: function(data) {
- var ob = data;
- }
- });
Firebug始终提示返回数据缺少";",js无法正常执行。这一块也不是很熟悉,以后有机会再研究。
通过后台可以正常调用,通过http Get方法调用,代码如下:
- public static String HttpGet(String url) {
-
- System.setProperty("org.apache.commons.logging.Log","org.apache.commons.logging.impl.SimpleLog");
- System.setProperty("org.apache.commons.logging.simplelog.showdatetime","true");
- System.setProperty("org.apache.commons.logging.simplelog.log.org.apache.commons.httpclient","stdout");
-
- HttpClient httpClient = new DefaultHttpClient();
- HttpGet get = new HttpGet(url);
- HttpResponse response = null;
- HttpEntity httpEntity = null;
- String content = null;
- try {
- response = httpClient.execute(get);
- if (response.getStatusLine().getStatusCode() == HttpStatus.SC_OK) {
-
- if(!ObjectUtil.isEmpty(response.getLastHeader("Content-Encoding")) && (response.getLastHeader("Content-Encoding").toString()).indexOf("gzip")>=0){
- response.setEntity(new GzipDecompressingEntity(response.getEntity()));
- }
- httpEntity = response.getEntity();
- content = EntityUtils.toString(httpEntity);
- }
- } catch (Exception e) {
- e.printStackTrace();
- } finally {
- if (null != httpEntity) {
- try {
- httpEntity.consumeContent();
- } catch (IOException e) {
- e.printStackTrace();
- }
- }
- }
- return content;
- }
- public static void main(String[] args) throws IOException {
- String url = "https://ccdcapi.alipay.com/validateAndCacheCardInfo.json?_input_charset=utf-8&cardNo=621226***600******2&cardBinCheck=true";
- String res = HttpClientUtil.HttpGet(url);
- System.out.println(res);
- JSONObject jsonOb = JSON.parseObject(res);
- String bank = jsonOb.getString("bank");
- System.out.println(bank);
- }
打印数据如下:
{"bank":"ICBC","validated":true,"cardType":"DC","key":"6212261106001211212","messages":[],"stat":"ok"}
ICBC
支付宝银行合作伙伴页:https://ab.alipay.com/i/yinhang.htm
支付宝银行简码页:https://doc.open.alipay.com/docs/doc.htm?spm=a219a.7629140.0.0.M7qlQG&treeId=63&articleId=103763&docType=1
参考文档:https://www.digglife.net/articles/cnbankcard.html