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MASTERCARD、VISA、VISA ELECTRON などのプライマリ アカウント番号 (PAN) を読み取らなければなりません。このコードを書きましたが、うまくいきません。誰か助けてください。

import java.util.List;

import javax.smartcardio.ATR;
import javax.smartcardio.Card;
import javax.smartcardio.CardChannel;
import javax.smartcardio.CardException;
import javax.smartcardio.CardTerminal;
import javax.smartcardio.CommandAPDU;
import javax.smartcardio.ResponseAPDU;
import javax.smartcardio.TerminalFactory;


public class LetturaSmartCard {
    public static void main(String[] args) throws CardException {

        // stampo lista lettori 
        TerminalFactory factory = TerminalFactory.getDefault();
        List<CardTerminal> terminals = factory.terminals().list();
        System.out.println("Lista lettori smart card collegati: " + terminals);

        // prendo il primo lettore
        CardTerminal terminal = terminals.get(0);

        System.out.println("Lettore utilizzato: " + terminal);
        //stabilisco connessione con la carta

        Card card = terminal.connect("*");
        // System.out.println(card.getProtocol());
        System.out.println("\n\nCarta inserita: " + card);
        CardChannel channel = card.getBasicChannel();


        ATR atr = card.getATR();
        byte[] ATR = atr.getBytes();
        byte[] TuttaCarta;
        System.out.println("ATR della carta: " + LetturaSmartCard.bytesToHex(ATR));


        //------------------------------------lettura---------------------------

        byte[] selectVpay = {(byte) 0x00, (byte) 0xA4, (byte) 0x04, (byte) 0x00, (byte) 0x07, (byte) 0xA0, (byte) 0x00, (byte) 0x00, (byte) 0x00, (byte) 0x03, (byte) 0x20, (byte) 0x20, (byte) 0x00};
        byte[] selectMastercard = {(byte) 0x00, (byte) 0xA4, (byte) 0x04, (byte) 0x00, (byte) 0x07, (byte) 0xA0, (byte) 0x00, (byte) 0x00, (byte) 0x00, (byte) 0x04, (byte) 0x10, (byte) 0x10, (byte) 0x00};
        byte[] selectVisaElectron = {(byte) 0x00, (byte) 0xA4, (byte) 0x04, (byte) 0x00, (byte) 0x07, (byte) 0xA0, (byte) 0x00, (byte) 0x00, (byte) 0x00, (byte) 0x03, (byte) 0x20, (byte) 0x10, (byte) 0x00};
        byte[] bo = {(byte) 0x00, (byte) 0xB2, (byte) 0x00, (byte) 0x03, (byte) 0x60};
        byte[] selectMaestro = {(byte) 0x00, (byte) 0xA4, (byte) 0x04, (byte) 0x00, (byte) 0x07, (byte) 0xA0, (byte) 0x00, (byte) 0x00, (byte) 0x00, (byte) 0x04, (byte) 0x30, (byte) 0x60, (byte) 0x00};
        byte[] getProcessingOptions = {(byte) 0x80, (byte) 0xA8, (byte) 0x00, (byte) 0x00, (byte) 0x02, (byte) 0x83, (byte) 0x00, (byte) 0x00};
        byte[] readRecord = {(byte) 0x00, (byte) 0xB2, (byte) 0x01, (byte) 0x0C, (byte) 0x00};
        byte[] lettura = {(byte) 0x00, (byte) 0xB0, (byte) 0x60, (byte) 0x10, (byte) 0x00};
        ResponseAPDU r = null;


        CommandAPDU capdu = new CommandAPDU(selectMastercard);
        r = card.getBasicChannel().transmit(capdu);
        TuttaCarta = r.getBytes();
        System.out.println(LetturaSmartCard.bytesToHex(TuttaCarta));

        capdu = new CommandAPDU(getProcessingOptions);
        r = card.getBasicChannel().transmit(capdu);
        TuttaCarta = r.getBytes();
        System.out.println(LetturaSmartCard.bytesToHex(TuttaCarta));


        capdu = new CommandAPDU(readRecord);
        r = card.getBasicChannel().transmit(capdu);
        TuttaCarta = r.getBytes();
        System.out.println(LetturaSmartCard.bytesToHex(TuttaCarta));


        //----------------------------------------------------------------------


        // disconnect
        card.disconnect(false);


    }

    public static String bytesToHex(byte[] bytes) {
        StringBuilder sb = new StringBuilder(bytes.length * 2);
        for (int i = 0; i < bytes.length; i++) {
            sb.append(String.format("%02x", bytes[i]));
        }

        return sb.toString();
    }

}

なぜうまくいかないのかわからない私の答えは

Lista lettori smart card collegati: [PC/SC terminal OMNIKEY CardMan 3x21 0]
Lettore utilizzato: PC/SC terminal OMNIKEY CardMan 3x21 0

Carta inserita: PC/SC card in OMNIKEY CardMan 3x21 0, protocol T=0, state OK
ATR della carta: 3b6800000073c84013009000
6f2d8407a0000000041010a522500a4d4153544552434152448701015f2d086974656e66726573bf0c059f4d020b0a9000
771282023900940c1002030118010200180404009000
**6985**

6985は、PAN を期待するときに受け取るエラーです。私は何を間違っていますか?

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