String Replace

[Pankaj Shet]

Hi friends,
I am developing a program which reads all lines from the files, and replace each , by | except for every String in a line.

i.e. if there is a line "My","Name is, Pankaj",0,1,1,1, "Abc xyzr, mum."

I want to replace each , except for those which lie between "".
i.e. the output should be,

"My"|"Name is, Pankaj"|0|1|1|1|"Abc xyzr, mum."

What I did is

import java.io.BufferedReader;
import java.io.File;
import java.io.FileReader;
public class StrReplace
{
 	public static  void main(String[] args) throws Exception
	{
		File f = new File("D:\\Java demo\\My.txt");
    		FileReader fr = new FileReader(f);
    		BufferedReader br = new BufferedReader(fr);
   		String str;
   		while ((str = br.readLine()) != null)
		{
			str=str.replace("\",\"","\"|\"");
                        System.out.println(str);
    		}
    
  	}
			
	
}

I am getting is:
"My"|"Name is, Pankaj",0,1,1,1,"Abc xyzr, mum."


How to proceed further?
Please help me solve this problem.

Help is always appreciated.
Thanks,
-Pankaj.

[Edit - UseCodeTags - MB]

[Sebanti Sanyal]

If ',' occurs after even no. of double quotes,that means it is not enclosed by a string and should be replaced. My solution:

import java.io.BufferedReader;  
import java.io.File;  
import java.io.FileReader;  
public class StringTest 
{  
    public static  void main(String[] args) throws Exception  
    {  
        File f = new File("myfile.txt");  
        FileReader fr = new FileReader(f);  
        BufferedReader br = new BufferedReader(fr);  
        String str;
        while ((str = br.readLine()) != null)  
        {
        	char[] arr=str.toCharArray();
        	boolean evenQ=true;
        	for(int index=0;index<arr.length;index++){
        		char c=arr[index];
        		if(c=='\"')evenQ=!evenQ;
        		if(c==','&& evenQ)arr[index]='|';
        	}
        	str=new String(arr);
        	System.out.println(str);
	   }  
    }  
}  

It is not really optimized because of the for loop. Is there a short-cut?