PHP银行卡账号格式验证

public function checkbank($no=""){
	if(empty($no)) return false;
	$arr_no = str_split($no);
	$last_n = $arr_no[count($arr_no)-1];
	krsort($arr_no);
	$i = 1;
	$total = 0;
	foreach ($arr_no as $n){
		if($i%2==0){
			$ix = $n*2;
			if($ix>=10){
				$nx = 1 + ($ix % 10);
				$total += $nx;
			}else{
				$total += $ix;
			}
		}else{
			$total += $n;
		}
		$i++;
	}
	$total -= $last_n;
	$x = 10 - ($total % 10);
	if($x == $last_n){
		return true;
	}else{
		return false;
	}
}