业务知识: 本文所有业务知识我已经在《银行卡国内转账、汇款一文通》详细介绍
步骤：
首先区分借记卡和信用卡，然后就是校验卡号，最后根据银联Bin确定什么银行，Bin之后就是归属地。
本文所有数据来源于网络，不一定保证正确和完整，这里仅仅作为教学使用。
[java]view plaincopy packageorg.luozhuang.bankcard;publicclasscheckBankCard{/*当你输入信用卡号码的时候，有没有担心输错了而造成损失呢？其实可以不必这么担心，因为并不是一个随便的信用卡号码都是合法的，它必须通过Luhn算法来验证通过。该校验的过程：1、从卡号最后一位数字开始，逆向将奇数位(1、3、5等等)相加。2、从卡号最后一位数字开始，逆向将偶数位数字，先乘以2（如果乘积为两位数，则将其减去9），再求和。3、将奇数位总和加上偶数位总和，结果应该可以被10整除。例如，卡号是：5432123456788881则奇数、偶数位（用红色标出）分布：5432123456788881奇数位和=35偶数位乘以2（有些要减去9）的结果：16261577，求和=35。最后35+35=70可以被10整除，认定校验通过。请编写一个程序，从键盘输入卡号，然后判断是否校验通过。通过显示：“成功”，否则显示“失败”。比如，用户输入：356827027232780程序输出：成功*//***校验银行卡卡号*@paramcardId*@return*/publicstaticbooleancheckBankCard(StringcardId){charbit=getBankCardCheckCode(cardId.substring(0,cardId.length()-1));if(bit=='N'){returnfalse;}returncardId.charAt(cardId.length()-1)==bit;}/***从不含校验位的银行卡卡号采用Luhm校验算法获得校验位*@paramnonCheckCodeCardId*@return*/publicstaticchargetBankCardCheckCode(StringnonCheckCodeCardId){if(nonCheckCodeCardId==null||nonCheckCodeCardId.trim().length()==0||!nonCheckCodeCardId.matches("\\d+")){//如果传的不是数据返回Nreturn'N';}char[]chs=nonCheckCodeCardId.trim().toCharArray();intluhmSum=0;for(inti=chs.length-1,j=0;i>=0;i--,j++){intk=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');}}
[java]view plaincopy packageorg.luozhuang.bankcard;importjava.util.Arrays;publicclassBankCardBin{//银行卡是由”发卡行标识代码+自定义+校验码“等部分组成的//BIN号//银联标准卡与以往发行的银行卡最直接的区别就是其卡号前6位数字的不同。//银行卡卡号的前6位是用来表示发卡银行或机构的，称为“发卡行识别码”(BankIdentificationNumber，缩写为“BIN”)。//银联标准卡是由国内各家商业银行(含邮储、信用社)共同发行、符合银联业务规范和技术标准、卡正面右下角带有“银联”标识(目前，新发行的银联标准卡一定带有国际化的银联新标识，新发的非银联标准卡使用旧的联网通用银联标识)、//卡号前6位为622126至622925之一的银行卡，是中国银行卡产业共有的民族品牌。privatefinalstaticint[]bankBin={102033,103000,185720,303781,356827,356828,356833,356835,356837,356838,356839,356840,356885,356886,356887,356888,356889,356890,370246,370247,370248,370249,400360,400937,400938,400939,400940,400941,400942,402658,402673,402791,403361,403391,404117,404157,404171,404172,404173,404174,404738,404739,405512,405512,406252,406254,406365,407405,409665,409666,409667,409668,409669,409670,409671,409672,410062,412962,412963,415599,421317,421349,421393,421437,421865,421869,421870,421871,422160,422161,424106,424107,424108,424109,424110,424111,424902,425862,427010,427018,427019,427020,427028,427029,427038,427039,427062,427064,427571,428911,431502,431502,433666,433670,433680,434061,434062,435744,435745,436718,436728,436738,436742,436745,436748,436768,438088,438125,438126,438588,438589,438600,439188,439225,439227,442729,442730,451289,451291,451804,451804,451810,451810,453242,456351,456418,458060,458060,458071,458071,458123,458124,468203,472067,472068,479228,479229,481699,486466,486493,486494,486497,487013,489592,489734,489735,489736,491020,491020,491031,491032,491040,493427,493878,498451,504923,510529,512315,512316,512411,512412,512425,512431,512466,512695,512732,514906,514957,514958,517636,518212,518364,518378,518379,518474,518475,518476,518710,518718,519412,519498,52,58,51,52,59,54,520382,521899,522153,523036,524011,524047,524070,524091,524094,524864,524865,525498,525745,525746,526410,526855,527414,528020,528931,528948,530970,530980,530980,530990,532420,532430,532450,532458,535910,535910,535918,537830,540297,540838,541068,541709,543159,544033,545619,545623,545947,547628,547648,547766,547766,548259,548844,552245,552288,552534,552587,552599,552742,552794,552801,552853,553131,553242,556610,556617,558360,558730,558808,558809,558868,558868,558894,558895,558916,566666,584016,601100,601101,601121,601122,601123,601124,601125,601126,601127,601128,601131,601136,601137,601138,601140,601142,601143,601144,601145,601146,601147,601148,601149,601174,601177,601178,601179,601186,601187,601188,601189,601382,601382,601428,601428,601428,601428,602907,602907,602969,602969,603128,603128,603367,603367,603445,603445,603506,603506,603601,603601,603601,603601,603601,603601,603602,603602,603694,603694,603708,603708,621021,621201,621977,621977,622126,622126,622127,622127,622127,622127,622128,622128,622129,622129,622131,622131,622132,622132,622133,622133,622134,622134,622135,622135,622136,622136,622137,622137,622138,622138,622139,622139,622140,622140,622141,622141,622143,622143,622146,622146,622147,622147,622148,622148,622149,622149,622150,622150,622151,622151,622152,622152,622153,622153,622154,622154,622155,622155,622156,622156,622165,622165,622166,622166,622168,622168,622169,622169,622178,622178,622179,622179,622184,622184,622188,622188,622199,622199,622200,622200,622202,622202,622203,622203,622208,622208,622210,622210,622211,622211,622212,622212,622213,622213,622214,622214,622215,622215,622220,622220,622225,622225,622230,622230,622235,622235,622240,622240,622245,622245,622250,622250,622251,622251,622252,622252,622253,622253,622254,622254,622258,622258,622259,622259,622260,622260,622261,622261,622280,622280,622291,622291,622292,622292,622301,622301,622302,622302,622303,622303,622305,622305,622307,622307,622308,622308,622310,622310,622311,622311,622312,622312,622316,622316,622318,622318,622319,622319,622321,622321,622322,622322,622323,622323,622324,622324,622325,622325,622327,622327,622328,622328,622329,622329,622331,622331,622332,622332,622333,622333,622335,622335,622336,622336,622337,622337,622338,622338,622339,622339,622340,622340,622341,622341,622342,622342,622343,622343,622345,622345,622346,622346,622347,622347,622348,622348,622349,622349,622350,622350,622351,622351,622352,622352,622353,622353,622355,622355,622358,622358,622359,622359,622360,622360,622361,622361,622362,622362,622363,622363,622365,622365,622366,622366,622367,622367,622368,622368,622369,622369,622370,622370,622371,622371,622373,622373,622375,622375,622376,622376,622377,622377,622378,622378,622379,622379,622382,622382,622383,622383,622384,622384,622385,622385,622386,622386,622387,622387,622388,622388,622389,622389,622391,622391,622392,622392,622393,622393,622394,622394,622395,622395,622396,622396,622397,622397,622398,622399,622399,622400,622400,622406,622406,622407,622407,622411,622411,622412,622412,622413,622413,622415,622415,622418,622418,622420,622420,622421,622421,622422,622422,622423,622423,622425,622425,622426,622426,622427,622427,622428,622428,622429,622429,622432,622432,622434,622434,622435,622435,622436,622436,622439,622439,622440,622440,622441,622441,622442,622442,622443,622443,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卡","浦东发展银行.东方卡","浦东发展银行.东方卡","浦东发展银行.东方卡","浦东发展银行.东方卡","浦东发展银行.东方卡","浦东发展银行.东方卡","贵阳市商业银行.甲秀卡","贵阳市商业银行.甲秀卡","郑州市商业银行.世纪一卡通","工商银行.牡丹银联灵通卡-个人普卡","工商银行.牡丹银联灵通卡-个人普卡","工商银行.牡丹银联灵通卡-个人金卡","工商银行.牡丹银联理财金卡","上海浦东发展银行.东方卡","深圳发展银行.发展卡",};publicstaticStringgetNameOfBank(StringcharBin,intoffset){intbin=0,index=0;bin=Integer.valueOf(charBin);index=binarySearch(bankBin,bin);if(index==-1||index>bankName.length){return"没有记录的卡号:\n";}returnbankName[index]+"\n";}//查找方法publicstaticintbinarySearch(int[]srcArray,intdes){intlow=0;inthigh=srcArray.length;while(low<high){if(des==srcArray[low]){returnlow;}low++;}return-1;}}[java]view plaincopy packageorg.luozhuang.bankcard;publicclassABCBankAddr{staticString[]bankBin={"008","009","010","011","012","013","060","061","062","113","114","115","116","117","118","139","140","141","142","143","145","146","350","086","289"};staticString[]bankName={"广州市","佛山市","中山市","珠海市","深圳市","汕头市","东莞市","江门市","湛江市","惠州市","清远市","肇庆市","阳江市","茂名市","潮州市","揭阳市","河源市","汕尾市","梅州市","韶关市","顺德区","南海区","云浮市","云南省昆明市","楚雄彝族自治州"};publicstaticStringgetAddrOfBank(StringcharBin){intindex=binarySearch(bankBin,charBin);if(index==-1||index>bankName.length){return"没有记录的卡号:\n";}returnbankName[index]+"\n";}//查找方法publicstaticintbinarySearch(String[]srcArray,Stringdes){intlow=0;inthigh=srcArray.length;while(low<high){if(des.startsWith(srcArray[low])){returnlow;}low++;}return-1;}}[java]view plaincopy packageorg.luozhuang.bankcard;/**这个程序完成卡号校验所属银行和种类，最后判断农行归属地（数据来源于网络）*@author大师罗庄**/publicclassMain{publicstaticvoidmain(String[]args){StringcardNumber="6228482898203884775";//卡号cardNumber=cardNumber.replaceAll("","");//位数校验if(cardNumber.length()==16||cardNumber.length()==19){}else{System.out.println("卡号位数无效");return;}//校验if(checkBankCard.checkBankCard(cardNumber)==true){}else{System.out.println("卡号校验失败");return;}//判断是不是银联，老的卡号都是服务电话开头，比如农行是95599///cardCommend/gyylbzk/gaishu/file_6330036.htmlif(cardNumber.startsWith("62")){System.out.println("中国银联卡");}else{System.out.println("国外的卡，或者旧银行卡，暂时没有收录");return;}Stringname=BankCardBin.getNameOfBank(cardNumber.substring(0,6),0);//获取银行卡的信息System.out.println(name);//归属地每个银行不一样，这里只收录农行少数地区代码if(name.startsWith("农业银行")==true){if(cardNumber.length()==19){//4大银行的16位是信用卡//注意：信用卡没有开户地之说，归总行信用卡部。唯独中国银行的长城信用卡有我的地盘这个属性name=ABCBankAddr.getAddrOfBank(cardNumber.substring(6,10));System.out.println("开户地:"+name);}}}}
