public CustomMessage getRequest() {
    Date now = new Date();
    StringBuffer sb = new StringBuffer();

    String AC_ID = "00000000000";
    String SW_ID = "11111111111";
    String IS_ID = "22222222222";
    String referNo = "181030414357"; // 参考号
    String terminalNo = "63856007"; // 终端号
    String batchNo = "000216"; // 批次号
    String authNo = "571462"; // 授权码
    String voucherNo = "005572"; // 凭证号
    String merchantNo = "102310058125081"; // 商户编号

    CustomMessage request = new CustomMessage();

    MsgHeader msgHeader = new MsgHeader();
    MessageType msgType = new MessageType();
    BitFieldMap bitFieldMap = new BitFieldMap();
    FieldData fieldData = new FieldData();
    List<Field> fields = new ArrayList<Field>();

    try {

      // 主账号
      Field2 field2 = new Field2();
      field2.setData("6226090217946181");
      System.out.println(field2.toString());
      fields.add(field2);

      // 交易处理码
      Field3 field3 = new Field3();
      // 301000
      // String f3 = Field3.TRD_TYPE_QUERY_SERVICE + Field3.FROM_DEPOSIT + Field3.FROM_DEFAULT +
      // Field3.TO_DEFAULT + Field3.TO_DEFAULT;
      field3.setData("00X000");
      // field3.setTradeType(Field3.TRD_TYPE_QUERY_SERVICE);
      // field3.setFrom(Field3.FROM_DEPOSIT + Field3.FROM_DEFAULT);
      // field3.setTo(Field3.TO_DEFAULT + Field3.TO_DEFAULT);
      System.out.println(field3.toString());
      fields.add(field3);

      // 交易金额
      Field4 field4 = new Field4();
      field4.setData("000000100025");
      System.out.println(field4.toString());
      fields.add(field4);

      // 交易传输时间
      Field7 field7 = new Field7();
      SimpleDateFormat sdf = new SimpleDateFormat("MMddHHmmss");
      String tranTime = sdf.format(now);
      field7.setData(tranTime);
      System.out.println(field7.toString());
      fields.add(field7);

      // 系统跟踪号
      Field11 field11 = new Field11();
      String traceNo = "";
      Random random = new Random();
      for (int i = 0; i < 6; i++) {
        traceNo += random.nextInt(10);
      }
      field11.setData(traceNo);
      System.out.println(field11.toString());
      fields.add(field11);

      // 受卡方所在地时间
      Field12 field12 = new Field12();
      SimpleDateFormat time = new SimpleDateFormat("HHmmss");
      String t = time.format(now);
      field12.setData(t);
      System.out.println(field12.toString());
      fields.add(field12);

      // 受卡方所在地日期
      Field13 field13 = new Field13();
      SimpleDateFormat date = new SimpleDateFormat("MMdd");
      String d = date.format(now);
      field13.setData(d);
      System.out.println(field13.toString());
      fields.add(field13);

      // 卡有效期
      Field14 field14 = new Field14();
      field14.setData("1612"); // 2016年12月份
      System.out.println(field14.toString());
      fields.add(field14);

      // 清算日期
      Field15 field15 = new Field15();
      // SimpleDateFormat date = new SimpleDateFormat("MMdd");
      // String d = date.format(now);
      field15.setData(d);
      System.out.println(field15.toString());
      fields.add(field15);

      // 商户类型
      // 取值请参见GB/T 20548-2006《金融零售业务 商户类别代码》
      Field18 field18 = new Field18();
      field18.setData("1234");
      System.out.println(field18.toString());
      fields.add(field18);

      // 服务点输入方式码
      Field22 field22 = new Field22();
      String f22 = Field22.PAN_IC + Field22.PIN_INCLUDE;
      field22.setData(f22);
      // field22.setPAN(Field22.PAN_IC);
      // field22.setPIN(Field22.PIN_INCLUDE);
      System.out.println(field22.toString());
      fields.add(field22);

      // 服务点条件码
      Field25 field25 = new Field25();
      field25.setData(Field25.COMMIT);
      System.out.println(field25.toString());
      fields.add(field25);

      // 服务点PIN获取码
      Field26 field26 = new Field26();
      field26.setData("06"); // 6位长度密码
      System.out.println(field26.toString());
      fields.add(field26);

      // 受理机构标识码
      Field32 field32 = new Field32();
      field32.setData(AC_ID);
      System.out.println(field32.toString());
      fields.add(field32);

      // 发送机构标识码
      Field33 field33 = new Field33();
      field33.setData(IS_ID);
      System.out.println(field33.toString());
      fields.add(field33);

      // 检索参考号
      Field37 field37 = new Field37();
      field37.setData(referNo);
      System.out.println(field37.toString());
      fields.add(field37);

      // 受卡机终端标识码
      Field41 field41 = new Field41();
      field41.setData(terminalNo);
      System.out.println(field41.toString());
      fields.add(field41);

      // 受卡方标识码
      Field42 field42 = new Field42();
      field42.setData(merchantNo);
      System.out.println(field42.toString());
      fields.add(field42);

      // 受卡方名称地址
      Field43 field43 = new Field43();
      String addr = field43.appendSpace("地址", field43.getDataLen());
      field43.setData(addr);
      System.out.println(field43.toString());
      fields.add(field43);

      // 附加数据-私有
      Field48 field48 = new Field48();

      Field48_AA field48_aa = new Field48_AA();
      // fields.add(field48);

      // 交易货币代码
      // 参见ISO 4217标准
      Field49 field49 = new Field49();
      field49.setData("CNY");
      System.out.println(field49.toString());
      fields.add(field49);

      // 个人标识码数据,存放加密后的PIN
      Field52 field52 = new Field52();
      field52.setData("enc  pin");
      System.out.println(field52.toString());
      fields.add(field52);

      // 安全控制信息
      Field53 field53 = new Field53();
      String f53 = Field53.PIN_FORMAT_PAN + Field53.ENCRYPTION_METHOD_DOUBLE + Field53.RESERVED;
      field53.setData(f53);
      // field53.setPinFormat(Field53.PIN_FORMAT_PAN);
      // field53.setEncAlgo(Field53.ENCRYPTION_METHOD_DOUBLE);
      System.out.println(field53.toString());
      fields.add(field53);

      // 接收机构标识码
      Field100 field100 = new Field100();
      field100.setData(SW_ID);
      System.out.println(field100.toString());
      fields.add(field100);

      // 预付卡发卡机构保留
      // 预付卡发卡机构保留
      Field121 field121 = new Field121();

      // 应答/应答原因码
      Field121_1 field121_1 = new Field121_1();
      field121_1.setData(Field121_1.RC_ISSUER_RESPONSE);
      System.out.println(field121_1.toString());

      // 单/双或双/单转换码
      Field121_2 field121_2 = new Field121_2();
      field121_2.setData(Field121_2.CC_UNKNOWN);
      System.out.println(field121_2.toString());

      // 卡性质
      Field121_3 field121_3 = new Field121_3();
      field121_3.setData(Field121_3.CARD_TYPE_CUP_DEBIT);
      System.out.println(field121_3.toString());

      // 预付卡发卡机构保留
      Field121_4 field121_4 = new Field121_4();
      sb.delete(0, sb.length());
      for (int i = 0; i < field121_4.getDataLen(); i++) {
        sb.append('0');
      }
      field121_4.setData(sb.toString().getBytes());
      System.out.println(field121_4.toString());

      Field121_5_ID field121_5_id = new Field121_5_ID();
      sb.delete(0, sb.length());
      for (int i = 0; i < field121_5_id.getDataLen(); i++) {
        sb.append('1');
      }
      field121_5_id.setData(sb.toString().getBytes());
      System.out.println(field121_5_id.toString());

      // 转入和转出方标识代码/手续费信息
      Field121_5 field121_5 = new Field121_5();
      field121_5.addSubFieldByTag(field121_5_id);
      // field121_5.addField(field121_5_id);
      System.out.println(field121_5.toString());

      field121.addSubField(field121_1);
      field121.addSubField(field121_2);
      field121.addSubField(field121_3);
      field121.addSubField(field121_4);
      field121.addSubField(field121_5);
      field121.encode();

      System.out.println(field121.toString());

      fields.add(field121);

      // 报文鉴别码
      Field128 field128 = new Field128();
      field128.setData("MAC45678");
      System.out.println(field128.toString());

      fields.add(field128);

      int totalLen = 0;
      for (Field field : fields) {
        totalLen += field.getFieldLength();
      }
      System.out.println("实际总长度=" + totalLen);

      // 合并各个域的值
      fieldData.encode(fields);
      System.out.println(fieldData.toString());

      // 设置位图
      bitFieldMap.setFields(fields);
      System.out.println(bitFieldMap.showBitFieldMap());

      // 开始处理消息类型
      msgType.setMsgType("0200");

      // 设置消息头
      totalLen =
          MsgHeader.MSG_HEADER_SIZE
              + MessageType.MSG_TYPE_SIZE
              + bitFieldMap.getBitFieldMapLen()
              + fieldData.getFieldDataLen();
      msgHeader.encode(totalLen, "48020000", "B0210029", (byte) 0, "00000000", (byte) 0, "00000");

      // 消息编码,这一步非常重要,把msgHeader, msgType, bitFieldMap, fieldData合成msgContent
      request.setMsgHeader(msgHeader);
      request.setMsgType(msgType);
      request.setBitFieldMap(bitFieldMap);
      request.setFieldData(fieldData);

      //
      request.encode();

      return request;

    } catch (IOException e) {
      e.printStackTrace();
    } catch (FieldLengthException e) {
      e.printStackTrace();
    } catch (OverflowMaxLengthException e) {
      e.printStackTrace();
    }

    return null;
  }