code: public static String encryptPin(String accNo, String pin, String encoding) {
  		return SecureUtil.encryptPin(accNo, pin, encoding, CertUtil
  				.getEncryptCertPublicKey());
  	}
docs: 密码加密并做base64<br>
  @param accNo 卡号<br>
  @param pwd 密码<br>
  @param encoding<br>
  @return 加密的内容<br>