In Java, how to dynamically get ClassLoader of a Jar (or Jars in a Zip file) downloaded form a URL

I have a URL which will return a single jar file or a zip file containing multiple jar files. I don't know the return type.

I have another function which accepts a list of ClassLoaders, I want to read the jar(s) into memory and pass them to the function. (I cannot store anything on the drive.)

Here is what I have so far:

//Read url content
URL url = new URL(myUrl);
URLConnection uc = url.openConnection();
String userpass = UserName + ":" + Password;
String basicAuth = "Basic " + new String(new Base64().encode(userpass.getBytes()));
uc.setRequestProperty("Authorization", basicAuth);

InputStream in = uc.getInputStream();
ZipInputStream zis = new ZipInputStream(in);

ZipEntry entry;
final int BUFFER = 2048;

//Here I need to check to see if it's a jar or a zip ??

while ((entry= zis.getNextEntry()) != null) {        
    ByteArrayOutputStream out = new ByteArrayOutputStream();
    byte[] data = new byte[2048];

    while (zis.available() > 0) {
        out.write(zis.read());
    }

    //How to proceed from here ??
}

//Here I want to return list<ClassLoader>