<?php

function bankDetails($cardNumber) {
    $bankDetails = array();
    $cardBIN = substr($cardNumber, 0, 6);
    $url = "https://lookup.binlist.net/" . trim($cardBIN);
    $response = @file_get_contents($url);
    
    if ($response !== false) {
        $bankDetails = json_decode($response, true);
        $bankDetails['bin'] = $cardBIN;
    }

    return $bankDetails;
}

?>