通过阿里的支付宝接口进行校验，能够准确识别是否存在，归属行，卡号类型是储蓄卡（DC）还是信用卡（CC）。
接口api:
https://ccdcapi.alipay.com/validateAndCacheCardInfo.json?_input_charset=utf-8&cardNo=6214832018989180&cardBinCheck=true
需要传入的3个参数
通道 ：_input_charset
卡号 ：cardNo
卡本： cardBinCheck
返回参数解析
cardType：卡类型。值：DC为储蓄卡，CC为信用卡。
bank：所属行。值：所属行简称，CMB 为招商银行，所属行简称详见下方。
key：银行卡号。值：传入的银行卡号。
messages：银行卡信息。值：数组。
validated：有效性，是否正确有效。值：true为是，false为否。
stat：银行卡状态。值：ok，no。
所属行的简称：
{
"CDB":"国家开发银行","ICBC":"中国工商银行","ABC":"中国农业银行","BOC":"中国银行",
"CCB":"中国建设银行","PSBC":"中国邮政储蓄银行","COMM":"交通银行","CMB":"招商银行",
"SPDB":"上海浦东发展银行","CIB":"兴业银行","HXBANK":"华夏银行","GDB":"广东发展银行",
"CMBC":"中国民生银行","CITIC":"中信银行","CEB":"中国光大银行","EGBANK":"恒丰银行",
"CZBANK":"浙商银行","BOHAIB":"渤海银行","SPABANK":"平安银行","SHRCB":"上海农村商业银行",
"YXCCB":"玉溪市商业银行","YDRCB":"尧都农商行","BJBANK":"北京银行","SHBANK":"上海银行",
"JSBANK":"江苏银行","HZCB":"杭州银行","NJCB":"南京银行","NBBANK":"宁波银行","HSBANK":"徽商银行",
"CSCB":"长沙银行","CDCB":"成都银行","CQBANK":"重庆银行","DLB":"大连银行","NCB":"南昌银行",
"FJHXBC":"福建海峡银行","HKB":"汉口银行","WZCB":"温州银行","QDCCB":"青岛银行","TZCB":"台州银行",
"JXBANK":"嘉兴银行","CSRCB":"常熟农村商业银行","NHB":"南海农村信用联社","CZRCB":"常州农村信用联社",
"H3CB":"内蒙古银行","SXCB":"绍兴银行","SDEB":"顺德农商银行","WJRCB":"吴江农商银行","ZBCB":"齐商银行",
"GYCB":"贵阳市商业银行","ZYCBANK":"遵义市商业银行","HZCCB":"湖州市商业银行","DAQINGB":"龙江银行",
"JINCHB":"晋城银行JCBANK","ZJTLCB":"浙江泰隆商业银行","GDRCC":"广东省农村信用社联合社",
"DRCBCL":"东莞农村商业银行","MTBANK":"浙江民泰商业银行","GCB":"广州银行","LYCB":"辽阳市商业银行",
"JSRCU":"江苏省农村信用联合社","LANGFB":"廊坊银行","CZCB":"浙江稠州商业银行","DYCB":"德阳商业银行",
"JZBANK":"晋中市商业银行","BOSZ":"苏州银行","GLBANK":"桂林银行","URMQCCB":"乌鲁木齐市商业银行",
"CDRCB":"成都农商银行","ZRCBANK":"张家港农村商业银行","BOD":"东莞银行","LSBANK":"莱商银行",
"BJRCB":"北京农村商业银行","TRCB":"天津农商银行","SRBANK":"上饶银行","FDB":"富滇银行",
"CRCBANK":"重庆农村商业银行","ASCB":"鞍山银行","NXBANK":"宁夏银行","BHB":"河北银行",
"HRXJB":"华融湘江银行","ZGCCB":"自贡市商业银行","YNRCC":"云南省农村信用社","JLBANK":"吉林银行",
"DYCCB":"东营市商业银行","KLB":"昆仑银行","ORBANK":"鄂尔多斯银行","XTB":"邢台银行","JSB":"晋商银行",
"TCCB":"天津银行","BOYK":"营口银行","JLRCU":"吉林农信","SDRCU":"山东农信","XABANK":"西安银行",
"HBRCU":"河北省农村信用社","NXRCU":"宁夏黄河农村商业银行","GZRCU":"贵州省农村信用社",
"FXCB":"阜新银行","HBHSBANK":"湖北银行黄石分行","ZJNX":"浙江省农村信用社联合社","XXBANK":"新乡银行",
"HBYCBANK":"湖北银行宜昌分行","LSCCB":"乐山市商业银行","TCRCB":"江苏太仓农村商业银行",
"BZMD":"驻马店银行","GZB":"赣州银行","WRCB":"无锡农村商业银行","BGB":"广西北部湾银行",
"GRCB":"广州农商银行","JRCB":"江苏江阴农村商业银行","BOP":"平顶山银行","TACCB":"泰安市商业银行",
"CGNB":"南充市商业银行","CCQTGB":"重庆三峡银行","XLBANK":"中山小榄村镇银行","HDBANK":"邯郸银行",
"KORLABANK":"库尔勒市商业银行","BOJZ":"锦州银行","QLBANK":"齐鲁银行","BOQH":"青海银行",
"YQCCB":"阳泉银行","SJBANK":"盛京银行","FSCB":"抚顺银行","ZZBANK":"郑州银行","SRCB":"深圳农村商业银行",
"BANKWF":"潍坊银行","JJBANK":"九江银行","JXRCU":"江西省农村信用","HNRCU":"河南省农村信用",
"GSRCU":"甘肃省农村信用","SCRCU":"四川省农村信用","GXRCU":"广西省农村信用","SXRCCU":"陕西信合",
"WHRCB":"武汉农村商业银行","YBCCB":"宜宾市商业银行","KSRB":"昆山农村商业银行","SZSBK":"石嘴山银行",
"HSBK":"衡水银行","XYBANK":"信阳银行","NBYZ":"鄞州银行","ZJKCCB":"张家口市商业银行","XCYH":"许昌银行",
"JNBANK":"济宁银行","CBKF":"开封市商业银行","WHCCB":"威海市商业银行","HBC":"湖北银行",
"BOCD":"承德银行","BODD":"丹东银行","JHBANK":"金华银行","BOCY":"朝阳银行","LSBC":"临商银行",
"BSB":"包商银行","LZYH":"兰州银行","BOZK":"周口银行","DZBANK":"德州银行","SCCB":"三门峡银行",
"AYCB":"安阳银行","ARCU":"安徽省农村信用社","HURCB":"湖北省农村信用社","HNRCC":"湖南省农村信用社",
"NYNB":"广东南粤银行","LYBANK":"洛阳银行","NHQS":"农信银清算中心","CBBQS":"城市商业银行资金清算中心"
}