使用阿里云接口进行银行卡四要素实名认证

如今随着互联网产业的多元化发展，尤其是互联网金融，O2O，共享经济等新兴商业形式的兴起，企业对实名认证业务的数据形式和数据质量有了更高的需求。如今也衍生出银行卡实名认证业务，通过接口将银行卡号、手机号、身份证号码、姓名上传至阿里云，再与银行系统进行匹配，判断信息的一致性。

在使用接口服务的方面我推荐使用技术实力强大的阿里云；

首先点击阿里云API接口获取相应的订单后在控制台中可以得到您的appcode

发送数据：


Map<String, String> bodys = new HashMap<String, String>();
bodys.put("ReturnBankInfo", "YES");
bodys.put("cardNo", "62155811111111111");
bodys.put("idNo", "340421199922225555");
bodys.put("name", "张三");
bodys.put("phoneNo", "13522221111");

返回数据：

{"name": "张三","cardNo": "6225756663322156","idNo": "34042158962596321","phoneNo": "13699995555","respMessage": "结果匹配","respCode": "0000","bankName": "招商银行","bankKind": "招商银行信用卡","bankType": "信用卡","bankCode": "CMB"
}

具体实现类：（以java为例，其他语言在产品页面详细查看）

import java.util.HashMap;
import java.util.Map;import org.apache.http.HttpResponse;
import org.apache.http.util.EntityUtils;import com.netgate.util.send.HttpUtils;public class AlipayBankNoCheck {public static void main(String[] args) {String host = "https://yunyidata.market.alicloudapi.com";String path = "/bankAuthenticate4";String method = "POST";String appcode = "你的appcode";Map<String, String> headers = new HashMap<String, String>();//最后在header中的格式(中间是英文空格)为Authorization:APPCODE 83359fd73fe94948385f570e3c139105headers.put("Authorization", "APPCODE " + appcode);//根据API的要求，定义相对应的Content-Typeheaders.put("Content-Type", "application/x-www-form-urlencoded; charset=UTF-8");Map<String, String> querys = new HashMap<String, String>();Map<String, String> bodys = new HashMap<String, String>();bodys.put("cardNo", "621555888555222669");bodys.put("idNo", "3404251111122222255555");bodys.put("name", "张三");bodys.put("phoneNo", "13355558888");try {/*** 重要提示如下:* HttpUtils请从* https://github.com/aliyun/api-gateway-demo-sign-java/blob/master/src/main/java/com/aliyun/api/gateway/demo/util/HttpUtils.java* 下载** 相应的依赖请参照* https://github.com/aliyun/api-gateway-demo-sign-java/blob/master/pom.xml*/HttpResponse response = HttpUtils.doPost(host, path, method, headers, querys, bodys);System.out.println(response.toString());//获取response的bodySystem.out.println(EntityUtils.toString(response.getEntity()));} catch (Exception e) {e.printStackTrace();}}}

工具类HttpUtils：

import java.io.UnsupportedEncodingException;
import java.net.URLEncoder;
import java.security.KeyManagementException;
import java.security.NoSuchAlgorithmException;
import java.security.cert.X509Certificate;
import java.util.ArrayList;
import java.util.List;
import java.util.Map;import javax.net.ssl.SSLContext;
import javax.net.ssl.TrustManager;
import javax.net.ssl.X509TrustManager;import org.apache.commons.lang.StringUtils;
import org.apache.http.HttpResponse;
import org.apache.http.NameValuePair;
import org.apache.http.client.HttpClient;
import org.apache.http.client.entity.UrlEncodedFormEntity;
import org.apache.http.client.methods.HttpDelete;
import org.apache.http.client.methods.HttpGet;
import org.apache.http.client.methods.HttpPost;
import org.apache.http.client.methods.HttpPut;
import org.apache.http.conn.ClientConnectionManager;
import org.apache.http.conn.scheme.Scheme;
import org.apache.http.conn.scheme.SchemeRegistry;
import org.apache.http.conn.ssl.SSLSocketFactory;
import org.apache.http.entity.ByteArrayEntity;
import org.apache.http.entity.StringEntity;
import org.apache.http.impl.client.DefaultHttpClient;
import org.apache.http.message.BasicNameValuePair;public class HttpUtils {/*** get* * @param host* @param path* @param method* @param headers* @param querys* @return* @throws Exception*/public static HttpResponse doGet(String host, String path, String method, Map<String, String> headers, Map<String, String> querys)throws Exception {       HttpClient httpClient = wrapClient(host);HttpGet request = new HttpGet(buildUrl(host, path, querys));for (Map.Entry<String, String> e : headers.entrySet()) {request.addHeader(e.getKey(), e.getValue());}return httpClient.execute(request);}/*** post form* * @param host* @param path* @param method* @param headers* @param querys* @param bodys* @return* @throws Exception*/public static HttpResponse doPost(String host, String path, String method, Map<String, String> headers, Map<String, String> querys, Map<String, String> bodys)throws Exception {        HttpClient httpClient = wrapClient(host);HttpPost request = new HttpPost(buildUrl(host, path, querys));for (Map.Entry<String, String> e : headers.entrySet()) {request.addHeader(e.getKey(), e.getValue());}if (bodys != null) {List<NameValuePair> nameValuePairList = new ArrayList<NameValuePair>();for (String key : bodys.keySet()) {nameValuePairList.add(new BasicNameValuePair(key, bodys.get(key)));}UrlEncodedFormEntity formEntity = new UrlEncodedFormEntity(nameValuePairList, "utf-8");formEntity.setContentType("application/x-www-form-urlencoded; charset=UTF-8");request.setEntity(formEntity);}return httpClient.execute(request);}  /*** Post String* * @param host* @param path* @param method* @param headers* @param querys* @param body* @return* @throws Exception*/public static HttpResponse doPost(String host, String path, String method, Map<String, String> headers, Map<String, String> querys, String body)throws Exception {     HttpClient httpClient = wrapClient(host);HttpPost request = new HttpPost(buildUrl(host, path, querys));for (Map.Entry<String, String> e : headers.entrySet()) {request.addHeader(e.getKey(), e.getValue());}if (StringUtils.isNotBlank(body)) {request.setEntity(new StringEntity(body, "utf-8"));}return httpClient.execute(request);}/*** Post stream* * @param host* @param path* @param method* @param headers* @param querys* @param body* @return* @throws Exception*/public static HttpResponse doPost(String host, String path, String method, Map<String, String> headers, Map<String, String> querys, byte[] body)throws Exception {        HttpClient httpClient = wrapClient(host);HttpPost request = new HttpPost(buildUrl(host, path, querys));for (Map.Entry<String, String> e : headers.entrySet()) {request.addHeader(e.getKey(), e.getValue());}if (body != null) {request.setEntity(new ByteArrayEntity(body));}return httpClient.execute(request);}/*** Put String* @param host* @param path* @param method* @param headers* @param querys* @param body* @return* @throws Exception*/public static HttpResponse doPut(String host, String path, String method, Map<String, String> headers, Map<String, String> querys, String body)throws Exception {       HttpClient httpClient = wrapClient(host);HttpPut request = new HttpPut(buildUrl(host, path, querys));for (Map.Entry<String, String> e : headers.entrySet()) {request.addHeader(e.getKey(), e.getValue());}if (StringUtils.isNotBlank(body)) {request.setEntity(new StringEntity(body, "utf-8"));}return httpClient.execute(request);}/*** Put stream* @param host* @param path* @param method* @param headers* @param querys* @param body* @return* @throws Exception*/public static HttpResponse doPut(String host, String path, String method, Map<String, String> headers, Map<String, String> querys, byte[] body)throws Exception {      HttpClient httpClient = wrapClient(host);HttpPut request = new HttpPut(buildUrl(host, path, querys));for (Map.Entry<String, String> e : headers.entrySet()) {request.addHeader(e.getKey(), e.getValue());}if (body != null) {request.setEntity(new ByteArrayEntity(body));}return httpClient.execute(request);}/*** Delete*  * @param host* @param path* @param method* @param headers* @param querys* @return* @throws Exception*/public static HttpResponse doDelete(String host, String path, String method, Map<String, String> headers, Map<String, String> querys)throws Exception {      HttpClient httpClient = wrapClient(host);HttpDelete request = new HttpDelete(buildUrl(host, path, querys));for (Map.Entry<String, String> e : headers.entrySet()) {request.addHeader(e.getKey(), e.getValue());}return httpClient.execute(request);}private static String buildUrl(String host, String path, Map<String, String> querys) throws UnsupportedEncodingException {StringBuilder sbUrl = new StringBuilder();sbUrl.append(host);if (!StringUtils.isBlank(path)) {sbUrl.append(path);}if (null != querys) {StringBuilder sbQuery = new StringBuilder();for (Map.Entry<String, String> query : querys.entrySet()) {if (0 < sbQuery.length()) {sbQuery.append("&");}if (StringUtils.isBlank(query.getKey()) && !StringUtils.isBlank(query.getValue())) {sbQuery.append(query.getValue());}if (!StringUtils.isBlank(query.getKey())) {sbQuery.append(query.getKey());if (!StringUtils.isBlank(query.getValue())) {sbQuery.append("=");sbQuery.append(URLEncoder.encode(query.getValue(), "utf-8"));}                    }}if (0 < sbQuery.length()) {sbUrl.append("?").append(sbQuery);}}return sbUrl.toString();}private static HttpClient wrapClient(String host) {HttpClient httpClient = new DefaultHttpClient();if (host.startsWith("https://")) {sslClient(httpClient);}return httpClient;}private static void sslClient(HttpClient httpClient) {try {SSLContext ctx = SSLContext.getInstance("TLS");X509TrustManager tm = new X509TrustManager() {public X509Certificate[] getAcceptedIssuers() {return null;}public void checkClientTrusted(X509Certificate[] xcs, String str) {}public void checkServerTrusted(X509Certificate[] xcs, String str) {}};ctx.init(null, new TrustManager[] { tm }, null);SSLSocketFactory ssf = new SSLSocketFactory(ctx);ssf.setHostnameVerifier(SSLSocketFactory.ALLOW_ALL_HOSTNAME_VERIFIER);ClientConnectionManager ccm = httpClient.getConnectionManager();SchemeRegistry registry = ccm.getSchemeRegistry();registry.register(new Scheme("https", 443, ssf));} catch (KeyManagementException ex) {throw new RuntimeException(ex);} catch (NoSuchAlgorithmException ex) {throw new RuntimeException(ex);}}
}

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