详细教程：使用【阿里云-银行卡二三四要素实名认证API接口】服务进行银行卡实名认证核验

系统用户需要绑卡时，为了确定该卡为用户本人持有，需要对用户绑定的银行卡进去实名制认证。为实现要求阿里云市场提供该项服务，认证组合形式：【银行卡号、姓名、身份证号码、手机号】、【银行卡号、姓名、身份证号码】、【银行卡号、姓名】；根据您的业务需求随意组合验证参数。

首先获取本接口的试用套餐包：https://market.aliyun.com/detail/cmapi00060474
注意本服务只面向企业用户，获取试用套餐的阿里云账户需完成企业实名制认证

之后在到控制台获取您的密钥appcode：https://marketnext.console.aliyun.com/bizlist

发送数据示例：

// 传输方式为post
String name = "张三";                      // 必填
String cardNo = "6225756663322156";        // 必填
String idNo = "34042158962596321";         // 选填（不填为空即不验证此项）
String phoneNo = "13699995555";            // 选填（不填为空即不验证此项）

返回结果示例：

// 格式为json
{"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"}

接口代码

具体实现类（其他语言版本在产品页面有详细介绍）：

import java.io.IOException;

import okhttp3.Call;
import okhttp3.FormBody;
import okhttp3.OkHttpClient;
import okhttp3.Request;
import okhttp3.RequestBody;
import okhttp3.Response;

public class bankAuthDemo {

    public static void main(String[] args) throws IOException {
        String url = "http://yunyibank.market.alicloudapi.com/bankAuth";
        // 获取appCode链接：https://market.aliyun.com/detail/cmapi00060474    下入试用包后在控制台查看
        String appCode = "e1ff3ceac04944t7b97ff33fc60d7130";
        String name = "张三";                      // 必填
        String cardNo = "6225756663322156";        // 必填
        String idNo = "34042158962596321";         // 选填（不填为空即不验证此项）
        String phoneNo = "13699995555";            // 选填（不填为空即不验证此项）

        System.out.println(postData(appCode, url, name, idNo, phoneNo, cardNo));
        /**       错误码respCode信息：
         *         "0000": "结果匹配",
         *         "0001": "姓名不能为空",
         *         "0002": "银行卡号格式错误，请检查后重新输入",
         *         "0003": "身份证号格式错误，请检查后重新输入",
         *         "0004": "姓名不能包含特殊字符或数字",
         *         "0006": "银行卡号不能为空",
         *         "0008": "信息不匹配",
         *         "0012": "无效卡号或卡状态异常，请换卡重试或联系发卡行",
         *         "0013": "受限制的卡，请换卡重试或联系发卡行",
         *         "0014": "卡状态异常，请换卡重试或联系发卡行"
         */
    }

    /**依赖的工具包有：okhttp-3.2.0.jar, okio-1.14.0.jar
     * 工具包下载链接：https://download.csdn.net/download/ruidongjun007/88360015
     * <dependency>
     *      <groupId>com.squareup.okhttp3</groupId>
     *      <artifactId>okhttp</artifactId>
     *      <version>3.2.0</version>
     *  </dependency>
     *  
     *  <dependency>
     *      <groupId>com.squareup.okio</groupId>
     *      <artifactId>okio</artifactId>
     *      <version>1.14.0</version>
     *  </dependency>
     */
    public static String postData(String appCode, String url, String name, String idNo, String phoneNo, String cardNo) throws IOException {
        String result = "";
        RequestBody formBody = new FormBody.Builder().
        add("name", name).add("idNo", idNo).add("phoneNo", phoneNo).add("cardNo", cardNo).build();
        Request request = new Request.Builder().url(url).
        addHeader("Authorization", "APPCODE " + appCode).post(formBody).build();

        Call call = new OkHttpClient().newCall(request);
        Response response = null;
        try {
            response = call.execute();
        } catch (IOException e) {
            System.out.println("execute failed, message:" + e.getMessage());
        }

        assert response != null;
        if (!response.isSuccessful()) {
            // 状态码response.code()为403时一般是套餐包用尽，需续购；
            // 注意：续购不会改变秘钥（appCode），仅增加次数
            // 续购链接：https://marketnext.console.aliyun.com/bizlist
            // 也可以加V【13451635131】咨询，共同进步！
            System.out.println("request failed----" + "返回状态码" + response.code()  + 
            ",message:" + response.message());
        }
        result = response.body().string();

        // 返回结果示例：{"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"}

        return result;
    }

}