$cardNo = '银行卡号';
   $url = 'https://ccdcapi.alipay.com/validateAndCacheCardInfo.json?_input_charset=utf-8&cardNo=' . $cardNo . '&cardBinCheck=true';

   $ch = curl_init();
   curl_setopt($ch, CURLOPT_HTTP_VERSION, CURL_HTTP_VERSION_1_1);
   curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, FALSE);
   curl_setopt($ch, CURLOPT_SSL_VERIFYHOST, FALSE);
   curl_setopt($ch, CURLOPT_USERAGENT, 'Mozilla/5.0 (Windows NT 5.1) AppleWebKit/537.22 (KHTML, like Gecko) Chrome/25.0.1364.172 Safari/537.22');
   curl_setopt($ch, CURLOPT_CONNECTTIMEOUT, 30);
   curl_setopt($ch, CURLOPT_TIMEOUT, 30);
   curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
   curl_setopt($ch, CURLOPT_URL, $url);
   $response = curl_exec($ch);
   $info = curl_getinfo($ch);
   curl_close($ch);
   if (intval($info["http_code"]) == 200) {
       $response = json_decode($response, true);
       if ($response['validated']) {
          return [
             'card_type' => $response['cardType'],
             'bank' => self::getBank($response['bank'])
          ];
       } else {
          return false;
       }
   } else {
       return false;
   }