(信贷风控神器)人行2代征信报告OCR识别API【个人信用报告解析】-深源恒际科技有限公司
【AI技术:个人信用报告-信用交易信息-信用卡/贷款信息-信用报告解析】2代征信报告:包含个人基本信息、信息概要、信贷交易信息明细、公共信息明细、查询记录 【查看可视化识别结果:http://www.deepfinch.com/product/pdf_credit_report】
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API文档

credit_reportV2

调用地址:https://service-qv6onzex-1300075552.bj.apigw.tencentcs.com/release/v2/credit_report

请求方式:POST

返回类型:JSON

API调用: API调用说明(secret_id & secret_key)

请求参数(Headers)

名称
类型
是否必须
描述
暂无数据

请求参数(Query)

名称
类型
是否必须
描述
暂无数据

请求参数(Body)

名称
类型
是否必须
描述
image
string
填入文件的base64编码数据

请求示例

curl -v -X POST https://service-qv6onzex-1300075552.bj.apigw.tencentcs.com/release/v2/credit_report -H 'Host:service-qv6onzex-1300075552.bj.apigw.tencentcs.com' -H 'Source:source' -H 'Date:Mon, 19 Mar 2018 12:08:40 GMT' -H 'Authorization:hmac id = "AKIDi6qE41WgJ9w8h4h9zq68Vq24d1beIuN0qIwU", algorithm = "hmac-sha1", headers = "date source", signature = yMCxXNytW5nvVGNZ8aBtRxmiLJ4=' -H 'X-Requested-With:XMLHttpRequest' --data '{"image":"",}'
//请用云市场分配给您的密钥计算签名并放入请求头,Date为当前的GMT时间
package main

import (
    "crypto/hmac"
    "crypto/sha1"
    "encoding/base64"
    "fmt"
    "io"
    "io/ioutil"
    "net/http"
    gourl "net/url"
    "strings"
    "time"
)

func calcAuthorization(source string, secretId string, secretKey string) (auth string, datetime string, err error) {
    timeLocation, _ := time.LoadLocation("Etc/GMT")
    datetime = time.Now().In(timeLocation).Format("Mon, 02 Jan 2006 15:04:05 GMT")
    signStr := fmt.Sprintf("x-date: %s\nx-source: %s", datetime, source)

    // hmac-sha1
    mac := hmac.New(sha1.New, []byte(secretKey))
    mac.Write([]byte(signStr))
    sign := base64.StdEncoding.EncodeToString(mac.Sum(nil))

    auth = fmt.Sprintf("hmac id=\"%s\", algorithm=\"hmac-sha1\", headers=\"x-date x-source\", signature=\"%s\"",
        secretId, sign)

    return auth, datetime, nil
}

func urlencode(params map[string]string) string {
    var p = gourl.Values{}
    for k, v := range params {
        p.Add(k, v)
    }
    return p.Encode()
}

func main() {
    // 云市场分配的密钥Id
    secretId := "xxxx"
    // 云市场分配的密钥Key
    secretKey := "xxxx"
    source := "market"

    // 签名
    auth, datetime, _ := calcAuthorization(source, secretId, secretKey)

    // 请求方法
    method := "POST"
    // 请求头
    headers := map[string]string{"X-Source": source, "X-Date": datetime, "Authorization": auth}

    // 查询参数
    queryParams := make(map[string]string)

    // body参数
    bodyParams := make(map[string]string)
    bodyParams["image"] = ""
    // url参数拼接
    url := "https://service-qv6onzex-1300075552.bj.apigw.tencentcs.com/release/v2/credit_report"
    if len(queryParams) > 0 {
        url = fmt.Sprintf("%s?%s", url, urlencode(queryParams))
    }

    bodyMethods := map[string]bool{"POST": true, "PUT": true, "PATCH": true}
    var body io.Reader = nil
    if bodyMethods[method] {
        body = strings.NewReader(urlencode(bodyParams))
        headers["Content-Type"] = "application/x-www-form-urlencoded"
    }

    client := &http.Client{
        Timeout: 5 * time.Second,
    }
    request, err := http.NewRequest(method, url, body)
    if err != nil {
        panic(err)
    }
    for k, v := range headers {
        request.Header.Set(k, v)
    }
    response, err := client.Do(request)
    if err != nil {
        panic(err)
    }
    defer response.Body.Close()

    bodyBytes, err := ioutil.ReadAll(response.Body)
    if err != nil {
        panic(err)
    }
    fmt.Println(string(bodyBytes))
}
import java.io.BufferedReader;
import java.io.DataOutputStream;
import java.io.InputStreamReader;
import java.io.UnsupportedEncodingException;
import java.net.HttpURLConnection;
import java.net.URL;
import java.net.URLEncoder;
import java.security.InvalidKeyException;
import java.security.Key;
import java.security.NoSuchAlgorithmException;
import java.text.SimpleDateFormat;
import java.util.Calendar;
import java.util.HashMap;
import java.util.Locale;
import java.util.Map;
import java.util.TimeZone;

import javax.crypto.Mac;
import javax.crypto.spec.SecretKeySpec;

import sun.misc.BASE64Encoder;


class Demo {
    public static String calcAuthorization(String source, String secretId, String secretKey, String datetime)
            throws NoSuchAlgorithmException, UnsupportedEncodingException, InvalidKeyException {
        String signStr = "x-date: " + datetime + "\n" + "x-source: " + source;
        Mac mac = Mac.getInstance("HmacSHA1");
        Key sKey = new SecretKeySpec(secretKey.getBytes("UTF-8"), mac.getAlgorithm());
        mac.init(sKey);
        byte[] hash = mac.doFinal(signStr.getBytes("UTF-8"));
        String sig = new BASE64Encoder().encode(hash);

        String auth = "hmac id=\"" + secretId + "\", algorithm=\"hmac-sha1\", headers=\"x-date x-source\", signature=\"" + sig + "\"";
        return auth;
    }

    public static String urlencode(Map<?, ?> map) throws UnsupportedEncodingException {
        StringBuilder sb = new StringBuilder();
        for (Map.Entry<?, ?> entry : map.entrySet()) {
            if (sb.length() > 0) {
                sb.append("&");
            }
            sb.append(String.format("%s=%s",
                    URLEncoder.encode(entry.getKey().toString(), "UTF-8"),
                    URLEncoder.encode(entry.getValue().toString(), "UTF-8")
            ));
        }
        return sb.toString();
    }

    public static void main(String[] args) throws NoSuchAlgorithmException, UnsupportedEncodingException, InvalidKeyException {
        //云市场分配的密钥Id
        String secretId = "xxxx";
        //云市场分配的密钥Key
        String secretKey = "xxxx";
        String source = "market";

        Calendar cd = Calendar.getInstance();
        SimpleDateFormat sdf = new SimpleDateFormat("EEE, dd MMM yyyy HH:mm:ss 'GMT'", Locale.US);
        sdf.setTimeZone(TimeZone.getTimeZone("GMT"));
        String datetime = sdf.format(cd.getTime());
        // 签名
        String auth = calcAuthorization(source, secretId, secretKey, datetime);
        // 请求方法
        String method = "POST";
        // 请求头
        Map<String, String> headers = new HashMap<String, String>();
        headers.put("X-Source", source);
        headers.put("X-Date", datetime);
        headers.put("Authorization", auth);

        // 查询参数
        Map<String, String> queryParams = new HashMap<String, String>();

        // body参数
        Map<String, String> bodyParams = new HashMap<String, String>();
        bodyParams.put("image","");
        // url参数拼接
        String url = "https://service-qv6onzex-1300075552.bj.apigw.tencentcs.com/release/v2/credit_report";
        if (!queryParams.isEmpty()) {
            url += "?" + urlencode(queryParams);
        }

        BufferedReader in = null;
        try {
            URL realUrl = new URL(url);
            HttpURLConnection conn = (HttpURLConnection) realUrl.openConnection();
            conn.setConnectTimeout(5000);
            conn.setReadTimeout(5000);
            conn.setRequestMethod(method);

            // request headers
            for (Map.Entry<String, String> entry : headers.entrySet()) {
                conn.setRequestProperty(entry.getKey(), entry.getValue());
            }

            // request body
            Map<String, Boolean> methods = new HashMap<>();
            methods.put("POST", true);
            methods.put("PUT", true);
            methods.put("PATCH", true);
            Boolean hasBody = methods.get(method);
            if (hasBody != null) {
                conn.setRequestProperty("Content-Type", "application/x-www-form-urlencoded");

                conn.setDoOutput(true);
                DataOutputStream out = new DataOutputStream(conn.getOutputStream());
                out.writeBytes(urlencode(bodyParams));
                out.flush();
                out.close();
            }

            // 定义 BufferedReader输入流来读取URL的响应
            in = new BufferedReader(new InputStreamReader(conn.getInputStream()));
            String line;
            String result = "";
            while ((line = in.readLine()) != null) {
                result += line;
            }

            System.out.println(result);
        } catch (Exception e) {
            System.out.println(e);
            e.printStackTrace();
        } finally {
            try {
                if (in != null) {
                    in.close();
                }
            } catch (Exception e2) {
                e2.printStackTrace();
            }
        }
    }
}
/**
 * npm install crypto-js request
 */
var CryptoJS = require("crypto-js");
var request = require('request');
var querystring = require('querystring');

// 云市场分配的密钥Id
var secretId = "xxx";
// 云市场分配的密钥Key
var secretKey = "xxx";
var source = "market";

// 签名
var datetime = (new Date()).toGMTString();
var signStr = "x-date: " + datetime + "\n" + "x-source: " + source;
var sign = CryptoJS.enc.Base64.stringify(CryptoJS.HmacSHA1(signStr, secretKey))
var auth = 'hmac id="' + secretId + '", algorithm="hmac-sha1", headers="x-date x-source", signature="' + sign + '"';

// 请求方法
var method = "POST";
// 请求头
var headers = {
    "X-Source": source,
    "X-Date": datetime,
    "Authorization": auth,
    
}
// 查询参数
var queryParams = {
}
// body参数(POST方法下)
var bodyParams = {
   "image": ""}
// url参数拼接
var url = "https://service-qv6onzex-1300075552.bj.apigw.tencentcs.com/release/v2/credit_report";
if (Object.keys(queryParams).length > 0) {
    url += '?' + querystring.stringify(queryParams);
}

var options = {
    url: url,
    timeout: 5000,
    method: method,
    headers: headers
}
if (['POST', 'PUT', 'PATCH'].indexOf(method) != -1) {
    options['body'] = querystring.stringify(bodyParams);
    options['headers']['Content-Type'] = "application/x-www-form-urlencoded";
}

request(options, function (error, response, body) {
    if (error !== null) {
        console.log('error:', error);
        return;
    }
    console.log(body);
});
<?php

// 云市场分配的密钥Id
$secretId = 'xxxx';
// 云市场分配的密钥Key
$secretKey = 'xxxx';
$source = 'market';

// 签名
$datetime = gmdate('D, d M Y H:i:s T');
$signStr = sprintf("x-date: %s\nx-source: %s", $datetime, $source);
$sign = base64_encode(hash_hmac('sha1', $signStr, $secretKey, true));
$auth = sprintf('hmac id="%s", algorithm="hmac-sha1", headers="x-date x-source", signature="%s"', $secretId, $sign);

// 请求方法
$method = 'POST';
// 请求头
$headers = array(
    'X-Source' => $source,
    'X-Date' => $datetime,
    'Authorization' => $auth,
    
);
// 查询参数
$queryParams = array (

);
// body参数(POST方法下)
$bodyParams = array (
    'image' => '',
);
// url参数拼接
$url = 'https://service-qv6onzex-1300075552.bj.apigw.tencentcs.com/release/v2/credit_report';
if (count($queryParams) > 0) {
    $url .= '?' . http_build_query($queryParams);
}

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_TIMEOUT, 60);
curl_setopt($ch, CURLOPT_CUSTOMREQUEST, $method);
curl_setopt($ch, CURLOPT_HTTPHEADER, array_map(function ($v, $k) {
    return $k . ': ' . $v;
}, array_values($headers), array_keys($headers)));
if (in_array($method, array('POST', 'PUT', 'PATCH'), true)) {
    curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($bodyParams));
}

$data = curl_exec($ch);
if (curl_errno($ch)) {
    echo "Error: " . curl_error($ch);
} else {
    print_r($data);
}
curl_close($ch);

# -*- coding: utf-8 -*-
from __future__ import print_function

import ssl, hmac, base64, hashlib
from datetime import datetime as pydatetime

try:
    from urllib import urlencode
    from urllib2 import Request, urlopen
except ImportError:
    from urllib.parse import urlencode
    from urllib.request import Request, urlopen

# 云市场分配的密钥Id
secretId = "xxxx"
# 云市场分配的密钥Key
secretKey = "xxxx"
source = "market"

# 签名
datetime = pydatetime.utcnow().strftime('%a, %d %b %Y %H:%M:%S GMT')
signStr = "x-date: %s\nx-source: %s" % (datetime, source)
sign = base64.b64encode(hmac.new(secretKey.encode('utf-8'), signStr.encode('utf-8'), hashlib.sha1).digest())
auth = 'hmac id="%s", algorithm="hmac-sha1", headers="x-date x-source", signature="%s"' % (secretId, sign.decode('utf-8'))

# 请求方法
method = 'POST'
# 请求头
headers = {
    'X-Source': source,
    'X-Date': datetime,
    'Authorization': auth,
    
}
# 查询参数
queryParams = {
}
# body参数(POST方法下存在)
bodyParams = {
   "image": ""}
# url参数拼接
url = 'https://service-qv6onzex-1300075552.bj.apigw.tencentcs.com/release/v2/credit_report'
if len(queryParams.keys()) > 0:
    url = url + '?' + urlencode(queryParams)

request = Request(url, headers=headers)
request.get_method = lambda: method
if method in ('POST', 'PUT', 'PATCH'):
    request.data = urlencode(bodyParams).encode('utf-8')
    request.add_header('Content-Type', 'application/x-www-form-urlencoded')
ctx = ssl.create_default_context()
ctx.check_hostname = False
ctx.verify_mode = ssl.CERT_NONE
response = urlopen(request, context=ctx)
content = response.read()
if content:
    print(content.decode('utf-8'))

using System.IO;
using System.Text;
using System.Net;
using System.Net.Security;
using System.Security.Cryptography;
using System.Security.Cryptography.X509Certificates;
using System;

public class CsharpTest
{
    public static String HMACSHA1Text(String EncryptText, String EncryptKey)
    {
        HMACSHA1 hmacsha1 = new HMACSHA1();
        hmacsha1.Key = System.Text.Encoding.UTF8.GetBytes(EncryptKey);

        byte[] dataBuffer = System.Text.Encoding.UTF8.GetBytes(EncryptText);
        byte[] hashBytes = hmacsha1.ComputeHash(dataBuffer);
        return Convert.ToBase64String(hashBytes);
    }

    public static void Main(String[] args)
    {
        String url = "https://service-qv6onzex-1300075552.bj.apigw.tencentcs.com/release/v2/credit_report";
        String method = "POST";
        String querys = "";
        String postData = "image=";

        //云市场分配的密钥Id
        String secretId = "xxxx";
        //云市场分配的密钥Key
        String secretKey = "xxxx";
        String source = "market";

        String dt = DateTime.UtcNow.GetDateTimeFormats('r')[0];
        url = url + "?" + querys;

        String signStr = "x-date: " + dt + "\n" + "x-source: " + source;
        String sign = HMACSHA1Text(signStr, secretKey);

        String auth = "hmac id=\"" + secretId + "\", algorithm=\"hmac-sha1\", headers=\"x-date x-source\", signature=\"";
        auth = auth + sign + "\"";

        HttpWebRequest httpRequest = null;
        HttpWebResponse httpResponse = null;

        if (url.Contains("https://")) {
            ServicePointManager.ServerCertificateValidationCallback = new RemoteCertificateValidationCallback(CheckValidationResult);
            httpRequest = (HttpWebRequest)WebRequest.CreateDefault(new Uri(url));
        } else {
            httpRequest = (HttpWebRequest)WebRequest.Create(url);
        }

        httpRequest.Method = method;
        httpRequest.ContentLength = postData.Length;
        httpRequest.ContentType = "application/x-www-form-urlencoded";
        httpRequest.Headers.Add("Authorization", auth);
        httpRequest.Headers.Add("X-Source", source);
        httpRequest.Headers.Add("X-Date", dt);
        httpRequest.GetRequestStream().Write(System.Text.Encoding.ASCII.GetBytes(postData), 0, postData.Length);

        try {
            httpResponse = (HttpWebResponse)httpRequest.GetResponse();
        } catch (WebException ex) {
            httpResponse = (HttpWebResponse)ex.Response;
        }

        Console.WriteLine(httpResponse.StatusCode);
        Console.WriteLine(httpResponse.Headers);
        Stream st = httpResponse.GetResponseStream();
        StreamReader reader = new StreamReader(st, Encoding.GetEncoding("utf-8"));
        Console.WriteLine(reader.ReadToEnd());
        Console.WriteLine("\n");

    }

    public static bool CheckValidationResult(object sender, X509Certificate certificate, X509Chain chain, SslPolicyErrors errors)
    {
        return true;
    }
}

正常返回示例

                                                                          {
  "creditHeader": {
    "serialNo": "报告编号",
    "reportTime": "报告时间",
    "whoWasChecked": "被查询者姓名",
    "idType": "被查询者证件类型, 身份证、户口簿、护照、港澳居 民来往内地通行证、台湾同胞来往内地通行证、外国人居留证、警官证、香港 身份证、澳门身份证、台湾身份证、其他证件、军人身份证件",
    "idNum": "被查询者证件号码",
    "organization": "查询操作机构",
    "reason": "查询原因",
    "otherIdInfo": [
      {
        "type": "身份证、户口簿、护照、港澳居 民来往内地通行证、台湾同胞来往内地通行证、外国人居留证、警官证、香港 身份证、澳门身份证、台湾身份证、其他证件、军人身份证件",
        "idNum": "证件号码"
      }
    ],
    "antiHackInfo": {
      "warningInfo": "警示信息",
      "effectDate": "生效日期",
      "dueDate": "截至日期"
    },
    "objectionInfo": "异议信息提示"
  },
  "personBasicInfo": {
    "personInfo": {
      "gender": {
        "value": "性别",
        "organization": "数据发生机构名称"
      },
      "birthday": {
        "value": "出生日期",
        "organization": "数据发生机构名称"
      },
      "isMarried": {
        "value": "婚姻状况",
        "organization": "数据发生机构名称"
      },
      "mobile": [
        {
          "no": "编号",
          "mobile": "手机号码",
          "updateAt": "信息更新日期",
          "organization": "数据发生机构名称"
        }
      ],
      "education": {
        "value": "学历",
        "organization": "数据发生机构名称"
      },
      "qualification": {
        "value": "学位",
        "organization": "数据发生机构名称"
      },
      "postAddr": {
        "value": "通讯地址",
        "organization": "数据发生机构名称"
      },
      "registerAddr": {
        "value": "户籍地址",
        "organization": "数据发生机构名称"
      },
      "country": {
        "value": "国籍",
        "organization": "数据发生机构名称"
      },
      "job": {
        "value": "就业状况, 说明报告主体当前的就业状况信息。具体包括:国家公务员、专业技术人员、职员、企业管理人员、工人、农民、学生、现役军人、自由职业者、个体经营者、 无业人员、退(离)休人员、其他、在职。",
        "organization": "数据发生机构名称"
      },
      "email": {
        "value": "电子邮箱",
        "organization": "数据发生机构名称"
      }
    },
    "connubialInfo": {
      "name": "姓名",
      "idType": "证件类型",
      "idNum": "证件号码",
      "company": "工作单位",
      "tel": "联系电话",
      "organization": "数据发生机构名称"
    },
    "livedInfos": [
      {
        "no": "编号",
        "address": "居住地址",
        "status": "居住状况",
        "homeTel": "住宅电话",
        "updateAt": "信息更新日期",
        "organization": "数据发生机构名称"
      }
    ],
    "experiences": [
      {
        "no": "编号",
        "company": "工作单位",
        "address": "单位地址",
        "officeTel": "单位电话",
        "companyCharacter": "单位性质, 说明报告主体就职单位的单位性质。具体包括:机关、事业单位、国有企业、外资 企业、个体、私营企业、其他(包括三资企业、民营企业、民间团体等)",
        "jobNature": "职业",
        "industry": "行业",
        "title": "职务",
        "level": "职称",
        "startedAt": "进入本单位年份",
        "updateAt": "信息更新日期",
        "organization": "数据机构名称"
      }
    ]
  },
  "infoSummary": {
    "creditTransInfoHint": {
      "totalAccountNum": "账户总数",
      "detail": {
        "loan": [
          {
            "type": "贷款类型, 个人住房贷款、个人商用住房贷款(包括商住两用房)、其他类型贷款",
            "accountNum": "账户数",
            "firstGotAt": "首笔贷款发放月份"
          }
        ],
        "creditCard": [
          {
            "type": "信用卡类型,贷记卡、准贷记卡等",
            "accountNum": "账户数",
            "firstGotAt": "首笔贷款发放月份"
          }
        ],
        "others": [
          {
            "type": "其他类型,目前包括证券融资和融资租赁业务",
            "accountNum": "账户数",
            "firstGotAt": "首笔贷款发放月份"
          }
        ]
      }
    },
    "creditTransBreachInfoSummary": {
      "recourseInfoSummary": {
        "totalAccountNum": "账户总数",
        "surplusAmount": "余额",
        "detail": [
          {
            "type": "业务类型,资产处置业务、垫款业务",
            "accountNum": "账户数",
            "surplusAmount": "余额"
          }
        ]
      },
      "badDebtsSummary": {
        "accountNum": "账户数",
        "surplusAmount": "余额"
      },
      "overdueInfoCollection": [
        {
          "type": "账户类型, 非循环贷账户、循环额度下分账户、循环贷账户、贷记卡账户、准贷记卡账户",
          "accountNum": "账户数",
          "monthNum": "月份数",
          "maxAmountPerMonth": "单月最高逾期/透支总额",
          "maxOverdueMonthNum": "最长逾期/透支月数"
        }
      ]
    },
    "creditTransExtensionAndDebtSummary": {
      "acyclicLoanAccountInfoSummary": {
        "manageCompanyNum": "管理机构数",
        "accountNum": "账户数",
        "extensionAmount": "授信总额",
        "surplusAmount": "余额",
        "avg6monthPay": "最近6个月平均应还款"
      },
      "cyclicalAmountAccountInfoSummary": {
        "manageCompanyNum": "管理机构数",
        "accountNum": "账户数",
        "extensionAmount": "授信总额",
        "surplusAmount": "余额",
        "avg6monthPay": "最近6个月平均应还款"
      },
      "cyclicalLoanAccountInfoSummary": {
        "manageCompanyNum": "管理机构数",
        "accountNum": "账户数",
        "extensionAmount": "授信总额",
        "surplusAmount": "余额",
        "avg6monthPay": "最近6个月平均应还款"
      },
      "creditAccountInfoSummary": {
        "companyNum": "发卡机构数",
        "accountNum": "账户数",
        "extensionAmount": "授信总额",
        "maxAmountPerCompany": "单家机构最高授信额",
        "minAmountPerCompany": "单家机构最低授信额",
        "usedAmount": "已用额度",
        "avg6monthUsedAmount": "最近6个月平均使用额度"
      },
      "quasiCreditAccountInfoSummary": {
        "companyNum": "发卡机构数",
        "accountNum": "账户数",
        "extensionAmount": "授信总额",
        "maxAmountPerCompany": "单家机构最高授信额",
        "minAmountPerCompany": "单家机构最低授信额",
        "surplusAmount": "透支余额",
        "avg6monthOverdraftAmount": "最近6个月平均透支余额"
      },
      "concernedRefundDutyInfoSummary": {
        "forPerson": {
          "guaranteeDuty": {
            "accountNum": "账户数",
            "guaranteeAmount": "担保金额",
            "surplusAmount": "余额"
          },
          "otherRefundDuty": {
            "accountNum": "账户数",
            "refundDutyAmount": "还款责任金额",
            "surplusAmount": "余额"
          }
        },
        "forCompany": {
          "guaranteeDuty": {
            "accountNum": "账户数",
            "guaranteeAmount": "担保金额",
            "surplusAmount": "余额"
          },
          "otherRefundDuty": {
            "accountNum": "账户数",
            "refundDutyAmount": "还款责任金额",
            "surplusAmount": "余额"
          }
        }
      }
    },
    "noncreditTransInfoSummary": [
      {
        "type": "业务类型,电信业务、自来水业务",
        "accountNum": "账户数",
        "debtAmount": "欠款金额"
      }
    ],
    "publicInfoSummary": [
      {
        "type": "信息类型,欠税信息、民事判决信息、强制执行信息、行政处罚信息",
        "recordNum": "记录数",
        "referenceAmount": "涉及金额"
      }
    ],
    "queryRecordSummary": {
      "lastQueryRecord": {
        "date": "查询日期",
        "companyName": "机构名称",
        "detail": "查询内容"
      },
      "last1MonthQueryCompanyNum": {
        "loanApproval": "贷款审批",
        "creditApproval": "信用卡审批"
      },
      "last1MonthQueryNum": {
        "loanApproval": "贷款审批",
        "creditApproval": "信用卡审批",
        "selfQuery": "本人查询"
      },
      "last2YearQueryNum": {
        "managerAfterLoan": "贷后管理",
        "guaranteeInvestigate": "担保资格审查",
        "bespokeMerchantsRealNameInvestigate": "特约商户实名审查"
      },
      "objectionAndDescription": {
        "objectionLabel": "异议标注",
        "addDate": "添加日期"
      }
    }
  },
  "creditTransInfoDetail": {
    "recoveryInfo": [
      {
        "name": "账户1、账户2",
        "manageCompany": "管理机构",
        "type": "业务种类",
        "creditorReceivedDate": "债权接收日期",
        "creditorAmount": "债权金额",
        "stateWhenCreditorTransfer": "债权转移时的还款状态",
        "dueDate": "具体截至日期,比如截止到2011年01月08日",
        "accountState": {
          "value": "账户状态,不同状态取不同的值",
          "debtCollection": {
            "surplusAmount": "余额",
            "latestRepayDate": "最近一次还款日期"
          },
          "debtFinish": {
            "accountClosedDate": "账户关闭日期"
          }
        },
        "specialTransTypes": [
          {
            "type": "特殊交易类型",
            "occurDate": "发生日期",
            "changeMonthNum": "变更月数",
            "occurAmount": "发生金额",
            "detailRecord": "明细记录"
          }
        ]
      }
    ],
    "acyclicCreditAccount": [
      {
        "name": "账户1、账户2",
        "manageCompany": "管理机构",
        "amountId": "账户标识",
        "startDate": "开立日期",
        "deadlineDate": "到期日期",
        "refundAmount": "借款金额",
        "accountCurrencyType": "账户币种",
        "type": "业务种类",
        "guaranteeType": "担保方式",
        "refundPeriodNum": "还款期数",
        "refundFrequency": "还款频率",
        "refundType": "还款方式",
        "joinRefundFlag": "共同借款标志",
        "dueDate": "截至日期",
        "accountState": {
          "value": "账户状态,不同账号状态取不同的内容",
          "badDebt": {
            "surplusAmount": "余额",
            "latestRepayDate": "最近一次还款日期"
          },
          "normal": {
            "fiveLevelType": "五级分类",
            "surplusAmount": "余额",
            "surplusPaymentNum": "剩余还款期数",
            "scheduledPayment": "本月应还款",
            "scheduledPayAt": "应还款日",
            "realPayed": "本月实还款",
            "latestRepayDate": "最近一次还款日期",
            "currOverduePeriods": "当前逾期期数",
            "currOverdueAmount": "当前逾期总额",
            "overdue31Tp60": "逾期31-60天未还本金",
            "overdue61Tp90": "逾期61-90天未还本金",
            "overdue91Tp180": "逾期91-180天未还本金",
            "overdue180": "逾期180天以上未还本金"
          },
          "overdue": {
            "fiveLevelType": "五级分类",
            "surplusAmount": "余额",
            "surplusPaymentNum": "剩余还款期数",
            "scheduledPayment": "本月应还款",
            "scheduledPayAt": "应还款日",
            "realPayed": "本月实还款",
            "latestRepayDate": "最近一次还款日期",
            "currOverduePeriods": "当前逾期期数",
            "currOverdueAmount": "当前逾期总额",
            "overdue31Tp60": "逾期31-60天未还本金",
            "overdue61Tp90": "逾期61-90天未还本金",
            "overdue91Tp180": "逾期91-180天未还本金",
            "overdue180": "逾期180天以上未还本金",
            "beforeDeadlineDate": {
              "value": "截止某个日期以后还款记录,比如2015年05月05日以后的最新还款记录",
              "fiveLevelType": "五级分类",
              "surplusAmount": "余额",
              "refundDate": "还款日期",
              "refundAmount": "还款金额",
              "currRefundState": "当前还款状态"
            }
          },
          "transfer": {
            "transferDate": "转出月份"
          },
          "clear": {
            "accountClosedDate": "账号关闭日期"
          }
        },
        "specialTransTypes": [
          {
            "type": "特殊交易类型",
            "occurDate": "发生日期",
            "changeMonthNum": "变更月数",
            "occurAmount": "发生金额",
            "detailRecord": "明细记录"
          }
        ],
        "companyInfo": [
          {
            "value": "机构声明",
            "addDate": "添加日期"
          }
        ],
        "selfStatement": [
          {
            "value": "本人声明",
            "addDate": "添加日期"
          }
        ],
        "objectionLabel": [
          {
            "value": "异议标注",
            "addDate": "添加日期"
          }
        ],
        "specialLabel": [
          {
            "value": "特殊标注",
            "addDate": "添加日期"
          }
        ],
        "refundRecord": {
          "dateRange": "还款记录区间,比如2010年07月-2015年05月的还款记录",
          "detail": [
            {
              "year": "年",
              "month": [
                {
                  "monthValue": "月份,取值1-12",
                  "amount": "金额",
                  "state": "状态,B、N、1、2、#"
                }
              ]
            }
          ]
        }
      }
    ],
    "cyclicalAmountPerAccount": [
      {
        "name": "账户1、账户2",
        "manageCompany": "管理机构",
        "amountId": "账户标识",
        "startDate": "开立日期",
        "deadlineDate": "到期日期",
        "refundAmount": "借款金额",
        "accountCurrencyType": "账户币种",
        "type": "业务种类",
        "guaranteeType": "担保方式",
        "refundPeriodNum": "还款期数",
        "refundFrequency": "还款频率",
        "refundType": "还款方式",
        "joinRefundFlag": "共同借款标志",
        "dueDate": "截至日期,比如截至2015年05月05日",
        "accountState": {
          "value": "账户状态,不同账号状态取不同的内容",
          "normal": {
            "fiveLevelType": "五级分类",
            "surplusAmount": "余额",
            "surplusPaymentNum": "剩余还款期数",
            "scheduledPayment": "本月应还款",
            "scheduledPayAt": "应还款日",
            "realPayed": "本月实还款",
            "latestRepayDate": "最近一次还款日期",
            "currOverduePeriods": "当前逾期期数",
            "currOverdue": "当前逾期金额",
            "overdue31Tp60": "逾期31-60天未还本金",
            "overdue61Tp90": "逾期61-90天未还本金",
            "overdue91Tp180": "逾期91-180天未还本金",
            "overdue180": "逾期180天以上未还本金"
          },
          "overdue": {
            "fiveLevelType": "五级分类",
            "surplusAmount": "余额",
            "surplusPaymentNum": "剩余还款期数",
            "scheduledPayment": "本月应还款",
            "scheduledPayAt": "应还款日",
            "realPayed": "本月实还款",
            "latestRepayDate": "最近一次还款日期",
            "currOverduePeriods": "当前逾期期数",
            "currOverdue": "当前逾期金额",
            "overdue31Tp60": "逾期31-60天未还本金",
            "overdue61Tp90": "逾期61-90天未还本金",
            "overdue91Tp180": "逾期91-180天未还本金",
            "overdue180": "逾期180天以上未还本金"
          }
        },
        "refundRecord": {
          "dateRange": "还款记录区间,比如2010年07月-2015年05月的还款记录",
          "detail": [
            {
              "year": "年",
              "month": [
                {
                  "monthValue": "月份,取值1-12",
                  "amount": "金额",
                  "state": "状态,B、N、1、2、#"
                }
              ]
            }
          ]
        }
      }
    ],
    "cyclicalLoanAccount": [
    {
      "name": "账户1、账户2",
      "manageCompany": "管理机构",
      "amountId": "账户标识",
      "startDate": "开立日期",
      "deadlineDate": "到期日期",
      "accountExtensionAmount": "账户授信额度",
      "accountCurrencyType": "账户币种",
      "type": "业务种类",
      "guaranteeType": "担保方式",
      "refundPeriodNum": "还款期数",
      "refundFrequency": "还款频率",
      "refundType": "还款方式",
      "joinRefundFlag": "共同借款标志",
      "dueDate": "截至日期,比如截至2015年05月05日",
      "accountState": {
        "value": "账户状态,不同账号状态取不同的内容",
        "clear": {
          "accountClosedDate": "账号关闭日期"
        },
        "overdue": {
          "fiveLevelType": "五级分类",
          "surplusAmount": "余额",
          "surplusPaymentNum": "剩余还款期数",
          "scheduledPayment": "本月应还款",
          "scheduledPayAt": "应还款日",
          "realPayed": "本月实还款",
          "latestRepayDate": "最近一次还款日期",
          "currOverduePeriods": "当前逾期期数",
          "currOverdue": "当前逾期金额",
          "overdue31Tp60": "逾期31-60天未还本金",
          "overdue61Tp90": "逾期61-90天未还本金",
          "overdue91Tp180": "逾期91-180天未还本金",
          "overdue180": "逾期180天以上未还本金"
        }
      },
      "refundRecord": {
        "dateRange": "还款记录区间,比如2010年07月-2015年05月的还款记录",
        "detail": [
          {
            "year": "年",
            "month": [
              {
                "monthValue": "月份,取值1-12",
                "amount": "金额",
                "state": "状态,B、N、1、2、#"
              }
            ]
          }
        ]
      }
    }],
    "creditAccount": [
      {
        "name": "账户1、账户2",
        "cardCompany": "发卡机构",
        "amountId": "账户标识",
        "startDate": "开立日期",
        "accountExtensionAmount": "账户授信额度",
        "sharedExtensionAmount": "共享授信总额",
        "currencyType": "币种",
        "type": "业务种类",
        "dueDate": "截至日期,比如截至2015年05月05日",
        "guaranteeType": "担保方式",
        "refundRecord": {
          "dateRange": "还款记录区间,比如2010年07月-2015年05月的还款记录",
          "detail": [
            {
              "year": "年",
              "month": [
                {
                  "monthValue": "月份,取值1-12",
                  "amount": "金额",
                  "state": "状态,B、N、1、2、#"
                }
              ]
            }
          ]
        },
        "specialTransTypes": [
          {
            "type": "特殊交易类型",
            "occurDate": "发生日期",
            "changeMonthNum": "变更月数",
            "occurAmount": "发生金额",
            "detailRecord": "明细记录"
          }
        ],
        "companyInfo": [
          {
            "value": "机构声明",
            "addDate": "添加日期"
          }
        ],
        "selfStatement": [
          {
            "value": "本人声明",
            "addDate": "添加日期"
          }
        ],
        "objectionLabel": [
          {
            "value": "异议标注",
            "addDate": "添加日期"
          }
        ],
        "accountState": {
          "value": "账户状态,不同账号状态取不同的内容",
          "badDebt": {
            "surplusAmount": "余额",
            "latestRepayDate": "最近一次还款日期"
          },
          "normal": {
            "surplusAmount": "余额",
            "usedAmount": "已用额度",
            "unspecifiedLargeAmountSpecificPeriodAmount": "未出单的大额专项分期余额",
            "surplusPeriodsNum": "剩余分期期数",
            "avg6monthPay": "最近6个月平均使用额度",
            "maxUsedAmount": "最大使用额度",
            "billDate": "账单日",
            "scheduledPayment": "本月应还款",
            "realPayed": "本月实还款",
            "latestRepayDate": "最近一次还款日期",
            "currOverduePeriods": "当前逾期期数",
            "currOverdueAmount": "当前逾期总额",
            "bigAmountSpecialPeriodInfo": {
              "periodAmount": "大额专项分期额度",
              "periodAmountEffectiveDate": "分期额度生效日期",
              "periodAmountDueDate": "分期额度到期日期",
              "usedPeriodAmount": "已用分期额度"
            },
            "beforeDueDate": {
              "value": "截止某个日期以后还款记录,比如2015年05月05日以后的最新还款记录",
              "fiveLevelType": "五级分类",
              "surplusAmount": "余额",
              "refundDate": "还款日期",
              "refundAmount": "还款金额",
              "currRefundState": "当前还款状态"
            },
            "specialEventInfo": "特殊事件说明信息"
          },
          "accountCanceled": {
            "canceledDate": "销户日期"
          },
          "inactive": {
            "inactiveDueDate": "截至日期前未激活,例如截止2015年05月05日,账号状态为'未激活'"
          }
        }
      }
    ],
    "quasiCreditAccount": [
    {
      "name": "账户1、账户2",
      "cardCompany": "发卡机构",
      "amountId": "账户标识",
      "startDate": "开立日期",
      "accountExtensionAmount": "账号授信额度",
      "sharedExtensionAmount": "共享授信总额",
      "currencyType": "币种",
      "guaranteeType": "担保方式",
      "refundRecord": {
        "dateRange": "还款记录区间,比如2010年07月-2015年05月的还款记录",
        "detail": [
          {
            "year": "年",
            "month": [
              {
                "monthValue": "月份,取值1-12",
                "amount": "金额",
                "state": "状态,B、N、1、2、#"
              }
            ]
          }
        ]
      },
      "dueDate": "截至日期,比如截至2015年05月05日",
      "accountState": {
        "value": "账户状态,不同账号状态取不同的内容",
        "badDebt": {
          "surplusAmount": "余额",
          "latestRepayDate": "最近一次还款日期"
        },
        "normal": {
          "overDraftAmount": "透支余额",
          "latest6MonthsAvgOverDraftAmount": "最近6个月平均透支余额",
          "maxOverDraftAmount": "最大透支余额",
          "billDate": "账单日",
          "realPayed": "本月实还款",
          "latestRepayDate": "最近一次还款日期",
          "overDraft180UnpayedAmount": "透支180天以上未付金额"
        }
      },
      "specialTransTypes": [
        {
          "type": "特殊交易类型",
          "occurDate": "发生日期",
          "changeMonthNum": "变更月数",
          "occurAmount": "发生金额",
          "detailRecord": "明细记录"
        }
      ]
    }],
    "concernedRefundDutyInfo": {
      "concernRefundPersonBorrow": [
        {
          "name": "账户1、账户2",
          "manageCompany": "管理机构",
          "type": "业务种类",
          "startDate": "开立日期",
          "deadlineDate": "到期日期",
          "personDutyType": "责任人类型",
          "refundDutyAmount": "还款责任金额",
          "currencyType": "币种",
          "guaranteeContractSerial": "保证合同编号",
          "dueDate": "截至日期,比如截至2015年05月05日",
          "fiveLevelType": "五级分类",
          "surplusAmount": "余额",
          "refundState": "还款状态",
          "primaryBorrower": "主业务借款人",
          "primaryBorrowerIdType": "主业务借款人证件类型",
          "primaryBorrowerIdNum": "主业务借款人证件号码"
        }
      ],
      "concernRefundCompanyBorrow": [
        {
          "name": "账户1、账户2",
          "manageCompany": "管理机构",
          "type": "业务种类",
          "startDate": "开立日期",
          "deadlineDate": "到期日期",
          "personDutyType": "责任人类型",
          "refundDutyAmount": "还款责任金额",
          "currencyType": "币种",
          "guaranteeContractSerial": "保证合同编号",
          "dueDate": "截至日期,比如截至2015年05月05日",
          "fiveLevelType": "五级分类",
          "surplusAmount": "余额",
          "overdueMonthNum": "逾期月数"
        }
      ]
    },
    "extensionProtocolInfo": [
      {
        "name": "授信协议 1、授信协议 2",
        "manageCompany": "管理机构",
        "extensionProtocolId": "授信协议标识,E124、A333、H121、I211、TH、H122",
        "effectDate": "生效日期",
        "deadlineDate": "到期日期",
        "extensionAmountScope": "授信额度用途",
        "extensionAmount": "授信额度",
        "extensionLimitAmount": "授信限额",
        "extensionLimitSerial": "授信限额编号",
        "usedAmount": "已用额度",
        "currencyType": "币种"
      }
    ]
  },
  "noncreditTransInfoDetail": [
    {
      "name": "账户",
      "companyName": "账号名称",
      "type": "业务类型",
      "startDate": "业务开通日期",
      "currPayedState": "当前缴费状态",
      "currOverdueAmount": "当前欠费金额",
      "accountDate": "记账年月",
      "refundRecord": {
        "dateRange": "还款记录区间,比如2010年07月-2015年05月的还款记录",
        "detail": [
          {
            "year": "年",
            "month": [
              {
                "monthValue": "月份,取值1-12",
                "state": "状态,B、N、1、2、#"
              }
            ]
          }
        ]
      }
    }
  ],
  "publicInfoDetail": {
    "owingTaxRecord": [
      {
        "chargedTaxOffice": "主管税务机关",
        "owingTaxAmount": "欠税总额",
        "owingTaxStatsDate": "欠税统计日期"
      }
    ],
    "civilJudgmentRecord": [
      {
        "no": "编号",
        "fillingCourt": "立案法院",
        "reason": "案由",
        "fillingDate": "立案日期",
        "closingType": "结案方式",
        "closingResult": "判决/调节结果",
        "closingEffectDate": "判决/调节生效日期",
        "litigation": "诉讼标的",
        "litigationAmount": "诉讼标的金额"
      }
    ],
    "forceExecuteRecord": [
      {
        "no": "编号",
        "executeCourt": "执行法院",
        "executeReason": "执行案由",
        "fillingDate": "立案日期",
        "closingType": "结案方式",
        "caseState": "案件状态",
        "closingDate": "结案日期",
        "applyExecuteSubject": "申请执行标的",
        "applyExecuteSubjectValue": "申请执行标的价值",
        "executedSubject": "已执行标的",
        "executedSubjectAmount": "已执行标的金额"
      }
    ],
    "administrativePenaltyRecord": [
      {
        "no": "编号",
        "penaltyOrg": "处罚机构",
        "penaltyContent": "处罚内容",
        "penaltyAmount": "处罚金额",
        "effectDate": "生效日期",
        "dueDate": "截止日期",
        "administrativeReviewResult": "行政复议结果"
      }
    ],
    "housingProvidentFundContributionRecord": [
      {
        "contributionPlace": "参缴地",
        "contributionDate": "参缴日期",
        "firstContributionDate": "初缴月份",
        "contributionDueDate": "缴至月份",
        "contributionState": "缴费状态",
        "amountPerMonth": "月缴存额",
        "selfContributionProportion": "个人缴存比例",
        "companyContributionProportion": "单位缴存比例",
        "contributionCompany": "缴费单位",
        "updateAt": "信息更新日期"
      }
    ],
    "lowSecurityRescueRecord": [
      {
        "no": "编号",
        "personType": "人员类别",
        "place": "所在地",
        "company": "工作单位",
        "familyIncomePerMonth": "家庭月收入",
        "applyDate": "申请日期",
        "agreeDate": "批准日期",
        "updateAt": "信息更新日期"
      }
    ],
    "executiveQualificationRecord": [
      {
        "no": "编号",
        "executiveQulificationName": "执业资格名称",
        "level": "等级",
        "gotDate": "获得日期",
        "deadlineDate": "到期日期",
        "revocationDate": "吊销日期",
        "issuer": "颁发机构",
        "issuerPlace": "颁发机构所在地"
      }
    ],
    "administrativeRewardRecord": [
      {
        "no": "编号",
        "rewardCompany": "奖励机构",
        "rewardContent": "奖励内容",
        "effectDate": "生效日期",
        "dueDate": "截止日期"
      }
    ]
  },
  "selfDeclare": [
    {
      "no": "编号",
      "declareContent": "声明内容",
      "addDate": "添加日期"
    }
  ],
  "objectionLabel": [
    {
      "no": "编号",
      "labelContent": "标注内容",
      "addDate": "添加日期"
    }
  ],
  "queryRecord": {
    "personQueryRecord": [
      {
        "no": "编号",
        "date": "查询日期",
        "queryCompany": "查询机构",
        "queryReason": "查询原因"
      }
    ],
    "companyQueryRecord": [
      {
        "no": "编号",
        "date": "查询日期",
        "queryCompany": "查询机构",
        "queryReason": "查询原因"
      }
    ]
  }
}
                                                                      

失败返回示例

                                                                          {
  "status": "INVALID_ARGUMENT",
  "reason": "invalid image format or size",
  "request_id": "TID8bf47ab6eda64476973cc5f5b6ebf57e"
}
                                                                      

返回码定义

返回码
返回信息
描述
400
invalid image format or size
请求参数错误
403
RATE_LIMIT_EXCEEDED
调用频率超出限额
500
INTERNAL_ERROR
服务器内部错误

商品介绍

产品说明

1、字段准确率高达99%以上,整份准确率>70%; 

2、支持人行征信版全字段结构化输出; 

3、单页识别时间<3秒; 

4、服务稳定;

5、支持扫描版个人征信报告,pdf格式

6、关于产品使用中任何问题,可以联系13522086814

人工智能, 人工智能, 图像识别, 文字识别, OCR, 金融个人征信ocr, 信用征信

相关公司资质

人工智能, 人工智能, 图像识别, 文字识别, OCR, 金融个人征信ocr, 信用征信

使用指南

1购买完成后,点击进入控制台

2在控制台点击”管理“查看详情”

3获得API的SecretID和SecretKey后,即可按照商品介绍里的方式调用API

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