银行卡实名验证

银行卡3元素(三要素)实名认证4元素(四要素)实名验证校验验,银行卡三、四要素核验,银行卡三元素检测,银行卡三、四要素实名认证,银行卡三要素验证,通过银行卡、姓名、身份证、手机号4个元素来校验是否一致。

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API文档

银行卡三要素四要素实名验证

调用地址:http://service-3ak2jjkf-1253495967.ap-beijing.apigateway.myqcloud.com/release/creditop/BankCardQuery/BankCardVerification

请求方式:GET

返回类型:JSON

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

去调试

请求参数(Headers)

名称
类型
是否必须
描述
暂无数据

请求参数(Qurey)

名称
类型
是否必须
描述
accountNo
string
卡帐号
bankPreMobile
string
银行预留手机号码
idCardCode
string
身份证号码
name
string
持卡人姓名

请求参数(Body)

名称
类型
是否必须
描述
暂无数据

请求示例

import urllib2, ssl, datetime, hmac, base64, hashlib

host = 'service-3ak2jjkf-1253495967.ap-beijing.apigateway.myqcloud.com'
url = 'http://service-3ak2jjkf-1253495967.ap-beijing.apigateway.myqcloud.com/release'
path = '/creditop/BankCardQuery/BankCardVerification'
source = 'source'
method ='GET'
querys = "accountNo=6212261102005817757&bankPreMobile=18600174444&idCardCode=130321198804010180&name=%E5%BC%A0%E5%BC%BA";
GMT_FORMAT = '%a, %d %b %Y %H:%M:%S GMT'

#云市场分配的密钥Id
SecretId='xxx'
#云市场分配的密钥Key
SecretKey='xxx'
dateTime = datetime.datetime.utcnow().strftime(GMT_FORMAT)
auth = "hmac id=\"" + SecretId + "\", algorithm=\"hmac-sha1\", headers=\"date source\", signature=\""
signStr = "date: " + dateTime + "\n" + "source: " + source
sign = hmac.new(SecretKey, signStr, hashlib.sha1).digest()
sign = base64.b64encode(sign)
sign = auth + sign + "\""

url = url + path + '?' + querys
request = urllib2.Request(url)

request.add_header('Authorization', sign)
request.add_header('Host', host)
request.add_header('Source', 'source')
request.add_header('Date', dateTime)
request.add_header('X-Requested-With', 'XMLHttpRequest')
ctx = ssl.create_default_context()
ctx.check_hostname = False
ctx.verify_mode = ssl.CERT_NONE
response = urllib2.urlopen(request, context=ctx)
content = response.read()
if (content):
    print(content)
curl -v -X GET http://service-3ak2jjkf-1253495967.ap-beijing.apigateway.myqcloud.com/release/creditop/BankCardQuery/BankCardVerification ?accountNo=6212261102005817757&bankPreMobile=18600174444&idCardCode=130321198804010180&name=张强-H 'Host:service-3ak2jjkf-1253495967.ap-beijing.apigateway.myqcloud.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' 
//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
<?php
$host = 'service-3ak2jjkf-1253495967.ap-beijing.apigateway.myqcloud.com';
$url = 'http://service-3ak2jjkf-1253495967.ap-beijing.apigateway.myqcloud.com/release';
$path = '/creditop/BankCardQuery/BankCardVerification';
$method = 'GET';
$source = 'source';

#云市场分配的密钥Id
$SecretId = 'xxx';
#云市场分配的密钥Key
$SecretKey = 'xxx';
$dateTime = gmdate('D, d M Y H:i:s T');
$auth = 'hmac id="' . $SecretId . '", algorithm="hmac-sha1", headers="date source", signature="';
$signStr = 'date: ' . $dateTime . "\n" . 'source: ' . $source;
$sign = base64_encode(hash_hmac('sha1', $signStr, $SecretKey, true));
$sign = $auth . $sign . '"';

$querys = "accountNo=6212261102005817757&bankPreMobile=18600174444&idCardCode=130321198804010180&name=%E5%BC%A0%E5%BC%BA";
$url = $url . $path . "?" . $querys;

$headers = array(
    "Host: $host",
    'Accept: text/html, */*; q=0.01',
    "Source: $source",
    "Date: $dateTime",
    "Authorization: $sign",
    'X-Requested-With: XMLHttpRequest',
    'Accept-Encoding: gzip, deflate, sdch'
);

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_TIMEOUT, 60);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_CUSTOMREQUEST, $method);
$data = curl_exec($ch);
if (curl_errno($ch)) {
    echo "Error: " . curl_error($ch);
} else {
    // Show me the result
    var_dump($data);
    curl_close($ch);
}
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 = "http://service-3ak2jjkf-1253495967.ap-beijing.apigateway.myqcloud.com/release";
        String host = "service-3ak2jjkf-1253495967.ap-beijing.apigateway.myqcloud.com";
        String path = "/creditop/BankCardQuery/BankCardVerification";
        String method = "GET";
        String querys = "accountNo=6212261102005817757&bankPreMobile=18600174444&idCardCode=130321198804010180&name=%E5%BC%A0%E5%BC%BA";
        String source = "source";

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

        String dt = DateTime.UtcNow.GetDateTimeFormats('r')[0]; //Mon, 19 Mar 2018 12:00:44 GMT
        url = url + path + "?" + querys;

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

        String auth = "hmac id=\"" + secretId + "\", algorithm=\"hmac-sha1\", headers=\"x-date source\", signature=\"";
        auth = auth + sign + "\"";
        Console.WriteLine(auth + "\n");

        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.Headers.Add("Authorization", auth);
        httpRequest.Headers.Add("Source", source);
        httpRequest.Headers.Add("X-date", dt);

        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;
    }
}
package main

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


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

    //hmac-sha1
    h := hmac.New(sha1.New, []byte(secretKey))
    io.WriteString(h, sign)
    sign = fmt.Sprintf("%x", h.Sum(nil))
    sign = string(h.Sum(nil))
    fmt.Println("sign:", fmt.Sprintf("%s", h.Sum(nil)))

    //base64
    sign = base64.StdEncoding.EncodeToString([]byte(sign))
    fmt.Println("sign:", sign)

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

    return auth, dateTime, nil
}

func main () {

    //云市场分配的密钥Id
    SecretId := "xxx"
    //云市场分配的密钥Key
    SecretKey := "xxx"
    source := "source"

    sign, dateTime, err := calcAuthorization(source, SecretId, SecretKey)
    if err != nil {
        fmt.Println(err)
        return
    }

    defaultDomain := "service-3ak2jjkf-1253495967.ap-beijing.apigateway.myqcloud.com"
    path := "/creditop/BankCardQuery/BankCardVerification"
    query := "accountNo=6212261102005817757&bankPreMobile=18600174444&idCardCode=130321198804010180&name=%E5%BC%A0%E5%BC%BA"
    url := "http://service-3ak2jjkf-1253495967.ap-beijing.apigateway.myqcloud.com/release"
    reqUrl := url + path + "?" + query
    client := &http.Client{
        Timeout: 7 * time.Second,//set timeout
    }

    req, err := http.NewRequest("GET", reqUrl, nil) //set body
    if err != nil {
        fmt.Println(err)
        return
    }

    req.Header.Set("Accept", "*/*")
    req.Header.Set("Accept-Charset", "utf-8;")
    req.Header.Set("Host", defaultDomain)
    req.Header.Set("Source", source)
    req.Header.Set("X-Date", dateTime)
    req.Header.Set("Authorization", sign)

    resp, err := client.Do(req)
    if err != nil {
        fmt.Println(err)
        return
    }
    defer resp.Body.Close()

    fmt.Println("status code:", resp.StatusCode)

    //get resp header
    var headerMsg string
    for key, _ := range resp.Header {
        headerMsg += fmt.Sprintf("\n%s:%s", key, resp.Header.Get(key))
    }
    fmt.Println(headerMsg)

    body, err := ioutil.ReadAll(resp.Body)
    if err != nil {
        fmt.Println(err)
        return
    }

    fmt.Println(string(body))
}
import java.io.*;
import java.io.UnsupportedEncodingException;
import java.security.InvalidKeyException;
import java.security.NoSuchAlgorithmException;
import javax.crypto.Mac;
import javax.crypto.spec.SecretKeySpec;
import java.text.SimpleDateFormat;
import java.util.*;
import java.io.BufferedReader;
import java.io.IOException;
import java.io.InputStreamReader;
import java.io.PrintWriter;
import java.net.URL;
import java.net.URLConnection;
import java.net.HttpURLConnection;
import sun.misc.BASE64Encoder;

class test
{
    public static String sign(String secret, String timeStr)
        throws NoSuchAlgorithmException, UnsupportedEncodingException, InvalidKeyException {
        //get signStr
        String signStr = "date: " + timeStr + "\n" + "source: " + "source";
        //get sig
        String sig = null;
        Mac mac1 = Mac.getInstance("HmacSHA1");
        byte[] hash;
        SecretKeySpec secretKey = new SecretKeySpec(secret.getBytes("UTF-8"), mac1.getAlgorithm());
        mac1.init(secretKey);
        hash = mac1.doFinal(signStr.getBytes("UTF-8"));
        sig = new BASE64Encoder().encode(hash);
        System.out.println("signValue--->" + sig);
        return sig;
    }

    public static void main(String[] args) {
        String result = "";
        BufferedReader in = null;

        //get current GMT time
        Calendar cd = Calendar.getInstance();
        SimpleDateFormat sdf = new SimpleDateFormat("EEE, dd MMM yyyy HH:mm:ss 'GMT'", Locale.US);
        sdf.setTimeZone(TimeZone.getTimeZone("GMT"));
        String timeStr = sdf.format(cd.getTime());

        String host = "service-3ak2jjkf-1253495967.ap-beijing.apigateway.myqcloud.com";
        String path = "/creditop/BankCardQuery/BankCardVerification";
        String query = "accountNo=6212261102005817757&bankPreMobile=18600174444&idCardCode=130321198804010180&name=%E5%BC%A0%E5%BC%BA";
        String url = "http://service-3ak2jjkf-1253495967.ap-beijing.apigateway.myqcloud.com/release";
        url = url + path + "?" + query;
        String source = "source";


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

        try {
            String urlNameString = url;
            URL realUrl = new URL(urlNameString);
            // 打开和URL之间的连接
            URLConnection connection = realUrl.openConnection();
            HttpURLConnection httpUrlCon = (HttpURLConnection)connection;
            // 设置通用的请求属性
            httpUrlCon.setRequestProperty("Host", host);
            httpUrlCon.setRequestProperty("Accept", "text/html, */*; q=0.01");
            httpUrlCon.setRequestProperty("Source", source );
            httpUrlCon.setRequestProperty("Date", timeStr);
            String sig = sign(secretKey,timeStr);
            String authen = "hmac id=\"" + secretId + "\", algorithm=\"hmac-sha1\", headers=\"date source\", signature=\"" + sig + "\"";
            System.out.println("authen --->" + authen);
            httpUrlCon.setRequestProperty("Authorization", authen);
            httpUrlCon.setRequestProperty("X-Requested-With", "XMLHttpRequest");
            httpUrlCon.setRequestProperty("Accept-Encoding", "gzip, deflate, sdch");
            // 建立实际的连接
            httpUrlCon.connect();
            // 获取所有响应头字段
            Map<String, List<String>> map = httpUrlCon.getHeaderFields();
            // 遍历所有的响应头字段
            for (String key : map.keySet()) {
                System.out.println(key + "--->" + map.get(key));
            }
            // 定义 BufferedReader输入流来读取URL的响应
            in = new BufferedReader(new InputStreamReader(
            httpUrlCon.getInputStream()));
            String line;
            while ((line = in.readLine()) != null) {
                result += line;
            }

            System.out.println(result);

        } catch (Exception e) {
            System.out.println("发送GET请求出现异常!" + e);
            e.printStackTrace();
        }
        // 使用finally块来关闭输入流
        finally {
            try {
                if (in != null) {
                    in.close();
                }
            } catch (Exception e2) {
                e2.printStackTrace();
            }
        }
    }
}
/**
 * npm install crypto-js axios
 */
var CryptoJS = require("crypto-js");
var axios = require('axios');

var nowDate = new Date();
var dateTime = nowDate.toGMTString();

var host = "service-3ak2jjkf-1253495967.ap-beijing.apigateway.myqcloud.com";
var path = "/creditop/BankCardQuery/BankCardVerification";
var query = "accountNo=6212261102005817757&bankPreMobile=18600174444&idCardCode=130321198804010180&name=%E5%BC%A0%E5%BC%BA";
var url = "http://service-3ak2jjkf-1253495967.ap-beijing.apigateway.myqcloud.com/release";
url = url + path + "?" + query;
var source = "source";

//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 auth = "hmac id=\"" + secretId + "\", algorithm=\"hmac-sha1\", headers=\"x-date source\", signature=\"";
var signStr = "x-date: " + dateTime + "\n" + "source: " + source;
var sign = CryptoJS.HmacSHA1(signStr, secretKey)
console.log(sign.toString())
sign = CryptoJS.enc.Base64.stringify(sign)
sign = auth + sign + "\""
console.log(sign)

var instance = axios.create({
    baseURL: url,
    timeout: 5000,
    headers: {
        "Source": source,
        "X-date": dateTime,
        "Authorization": sign
    },
    withCredentials: true
});


instance.get()
    .then(function (response) {
        console.log(response);
    })
    .catch(function (error) {
        console.log(error);
    });

正常返回示例

{
    "error_code": 0,
    "reason": "成功",
    "result": {
        "accountNo": "6228480500861233451",
        "name": "张三",
        "idCardCore": "130321198804010180",
        "bankPreMobile": "18600174444",
        "result": "T",T 表示有效的,F 表示无效的,N 表示无法认证的,P表示网络连接超时
        "message": "认证信息匹配"
    }
}

返回码定义

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产品详情

商品详情

银行卡3元素(三要素)实名认证4元素(四要素)实名验证校验验,银行卡三、四要素核验,银行卡三元素检测,银行卡三、四要素实名认证,银行卡三要素验证,通过银行卡、姓名、身份证、手机号4个元素来校验是否一致。
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