银行卡三要素验证
<h3>接口描述</h3>
<ul>
<li>验证姓名、身份证号码、银行卡号是否一致</li>
<li>根据银联风控要求，同一张卡24小时内验证次数不能超过5次</li>
</ul>
<h3>请求地址</h3>
<p><code>https://api.jumdata.com/bankcard3/check</code></p>
<h3>请求方式</h3>
<ul>
<li>GET/POST</li>
</ul>
<h3>请求格式</h3>
<ul>
<li>x-www-form-urlencoded</li>
</ul>
<h3>请求参数</h3>
<table>
<thead>
<tr>
<th>名称</th>
<th>类型</th>
<th>必须</th>
<th><div style="width:420px">说明</div></th>
</tr>
</thead>
<tbody>
<tr>
<td>appId</td>
<td>String</td>
<td>是</td>
<td>服务商分配的唯一标识</td>
</tr>
<tr>
<td>timestamp</td>
<td>Long</td>
<td>是</td>
<td>当前时间的毫秒数</td>
</tr>
<tr>
<td>sign</td>
<td>String</td>
<td>是</td>
<td>签名，详见签名算法说明</td>
</tr>
<tr>
<td>name</td>
<td>String</td>
<td>是</td>
<td>姓名</td>
</tr>
<tr>
<td>bankcard</td>
<td>String</td>
<td>是</td>
<td>银行卡号</td>
</tr>
<tr>
<td>idcard</td>
<td>String</td>
<td>是</td>
<td>身份证号码</td>
</tr>
</tbody>
</table>
<h3>签名算法说明</h3>
<pre><code>sign = sha256(appId + appSecret + timestamp)</code></pre>
<p>用服务商分配的 <strong>appId</strong>、服务商分配的 <strong>appSecret</strong>，当前时间毫秒数 <strong>timestamp</strong>，按上述顺序拼接成字符串，再进行 <strong>sha256</strong> 哈希得到。如下：</p>
<pre><code class="language-java">String appId = "xyzxy2121zxyz"；
String timestamp = "1555378976238"；
String appSecret = "efcefcef1121cefcefc1212121"；
String str = appId + appSecret + timestamp；
String sign = sha256(str)；</code></pre>
<h3>成功返回样例</h3>
<pre><code class="language-json">// 一致
{
"code": 200,
"taskNo": "69564903663951243279",
"charge": true,
"data": {
"result": 0,
"msg": "一致"
}
}
// 不一致
{
"code": 200,
"taskNo": "69564903663951243279",
"charge": true,
"data": {
"result": 1,
"msg": "不一致"
}
}</code></pre>
<h3>失败返回样例</h3>
<pre><code class="language-json">{
"code": 400,
"charge": false,
"msg": "银行卡号格式不正确"
}</code></pre>
<h3>返回字段说明</h3>
<table>
<thead>
<tr>
<th>字段名</th>
<th><div style="width:420px">说明</div></th>
</tr>
</thead>
<tbody>
<tr>
<td>code</td>
<td>返回码，详见code返回码说明</td>
</tr>
<tr>
<td>msg</td>
<td>code对应的描述</td>
</tr>
<tr>
<td>charge</td>
<td>是否计费</td>
</tr>
<tr>
<td>taskNo</td>
<td>本次请求号</td>
</tr>
<tr>
<td>data</td>
<td>返回具体结果，object类型，详见data返回字段描述</td>
</tr>
</tbody>
</table>
<h4>data返回字段说明</h4>
<table>
<thead>
<tr>
<th>字段名</th>
<th><div style="width:420px">说明</div></th>
</tr>
</thead>
<tbody>
<tr>
<td>result</td>
<td>0：一致；<br>1：不一致；<br>2：卡状态异常; <br>3：无效卡号或卡状态异常;</td>
</tr>
<tr>
<td>msg</td>
<td>result对应的说明</td>
</tr>
</tbody>
</table>
<h4>code返回码说明</h4>
<table>
<thead>
<tr>
<th>code</th>
<th><div style="width:420px">说明</div></th>
</tr>
</thead>
<tbody>
<tr>
<td>200</td>
<td>成功（计费）</td>
</tr>
<tr>
<td>400</td>
<td>参数错误</td>
</tr>
<tr>
<td>404</td>
<td>请求地址不正确</td>
</tr>
<tr>
<td>500</td>
<td>服务商维护，请稍候再试</td>
</tr>
<tr>
<td>501</td>
<td>官方数据源维护，请稍候再试</td>
</tr>
<tr>
<td>601</td>
<td>接口未开通</td>
</tr>
<tr>
<td>602</td>
<td>账号停用</td>
</tr>
<tr>
<td>603</td>
<td>余额不足请充值</td>
</tr>
<tr>
<td>604</td>
<td>接口停用</td>
</tr>
<tr>
<td>606</td>
<td>调用超限，请稍候再试</td>
</tr>
<tr>
<td>607</td>
<td>ip不在白名单</td>
</tr>
<tr>
<td>609</td>
<td>请求过于频繁，请稍候再试</td>
</tr>
<tr>
<td>610</td>
<td>请求超时</td>
</tr>
<tr>
<td>702</td>
<td>不支持该卡校验</td>
</tr>
<tr>
<td>999</td>
<td>其他，以实际返回为准</td>
</tr>
</tbody>
</table>