From ca7c1fed691645cacacf137a649dc688618c0b62 Mon Sep 17 00:00:00 2001
From: quyixiao <2621048238@qq.com>
Date: Wed, 20 May 2026 17:46:23 +0800
Subject: [PATCH] =?UTF-8?q?=E6=8F=90=E4=BA=A4=E4=BF=AE=E6=94=B9?=
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---
.../bankcard/BankCard2MetaController.java | 94 ++++++++++++++-----
1 file changed, 71 insertions(+), 23 deletions(-)
diff --git a/api-web/api-interface/src/main/java/com/heyu/api/controller/bankcard/BankCard2MetaController.java b/api-web/api-interface/src/main/java/com/heyu/api/controller/bankcard/BankCard2MetaController.java
index f6f69b3..ee6af0f 100644
--- a/api-web/api-interface/src/main/java/com/heyu/api/controller/bankcard/BankCard2MetaController.java
+++ b/api-web/api-interface/src/main/java/com/heyu/api/controller/bankcard/BankCard2MetaController.java
@@ -16,73 +16,120 @@ import org.springframework.web.bind.annotation.RequestMapping;
import org.springframework.web.bind.annotation.RestController;
/***
- * 识别身份证
- * https://next.api.aliyun.com/api/Cloudauth/2019-03-07/BankMetaVerify?tab=DOC&lang=JAVA
+ * 银行卡二要素核验控制器
*
+ * 功能说明：
+ * 提供银行卡号+姓名二要素核验接口，验证用户输入的银行卡信息是否真实匹配
*
- * https://console.cloud.tencent.com/api/explorer?Product=faceid&Version=2018-03-01&Action=BankCard2EVerification
+ * 接口文档：
+ * - 阿里云：https://next.api.aliyun.com/api/Cloudauth/2019-03-07/BankMetaVerify?tab=DOC&lang=JAVA
+ * - 腾讯云：https://console.cloud.tencent.com/api/explorer?Product=faceid&Version=2018-03-01&Action=BankCard2EVerification
*
+ * 购买链接：
+ * - 腾讯云：https://buy.cloud.tencent.com/iai_faceid
+ * - 阿里云：https://www.aliyun.com/product/id-verification
*
+ * 核验要素：
+ * - 二要素：银行卡号 + 姓名
+ * - 三要素：银行卡号 + 姓名 + 身份证号
+ * - 四要素：银行卡号 + 姓名 + 身份证号 + 手机号
*
- * https://buy.cloud.tencent.com/iai_faceid
- *
- *
- *
- * https://www.aliyun.com/product/id-verification?spm=5176.29677750.nav-v2-dropdown-menu-1.d_searchresult_0.6cfb154ad4HNbv&scm=20140722.S_product@@%E4%BA%91%E4%BA%A7%E5%93%81@@3152909._.RL_%E6%A0%B8%E9%AA%8C-LOC_menu~UND~product-OR_ser-PAR1_213e36cb17449009328204518ef754-V_4-RE_productNew-P0_0-P1_0
- *
- *
- * 银行卡二要素核验
- *
- *
- * 银行卡二，三，四要素核验
- *
- * BankMetaVerify
+ * @author 系统生成
+ * @version 1.0
+ */
+/**
+ * 银行卡二要素核验控制器
+ *
+ * 继承BaseController，提供银行卡二要素核验的HTTP接口
+ * 主要用于验证用户输入的银行卡号和姓名是否匹配
+ *
*/
@Slf4j
@RestController
@RequestMapping("/bank/card/2")
public class BankCard2MetaController extends BaseController {
+ /**
+ * 阿里云银行卡二要素核验处理器
+ */
@Autowired
private ABank2MetaVerifyHandle aBankMetaVerifyHandle;
-
+ /**
+ * 核验成功提示信息
+ */
public static final String SUCCESS_MSG = "银⾏卡号+姓名信息匹配";
+
+ /**
+ * 核验失败提示信息
+ */
public static final String FAILED_MSG = "银⾏卡号+姓名信息不匹配";
- // http://localhost:8888/bank/card/2/verify?bankCard=6214855713516769&realName=瞿贻晓
- // http://172.16.5.230:7848/bank/card/2/verify?bankCard=6214855713516769&realName=瞿贻晓
- // https://api.1024api.com/api-interface/bank/card/2/verify?bankCard=6214855713516769&realName=瞿贻晓
+ /**
+ * 银行卡二要素核验接口
+ *
+ * 测试地址：
+ * - 本地：http://localhost:8888/bank/card/2/verify?bankCard=6214855713516769&realName=瞿贻晓
+ * - 内网：http://172.16.5.230:7848/bank/card/2/verify?bankCard=6214855713516769&realName=瞿贻晓
+ * - 生产：https://api.1024api.com/api-interface/bank/card/2/verify?bankCard=6214855713516769&realName=瞿贻晓
+ *
+ *
+ * @param bankCard2MetaRequest 银行卡核验请求对象，包含银行卡号和真实姓名
+ * @return R 返回核验结果，包含核验状态和描述信息
+ */
@EbAuthentication(tencent = ApiConstants.TENCENT_AUTH)
@RequestMapping("/verify")
public R verify(ABank4MetaVerifyRequest bankCard2MetaRequest) {
return doVerifyBankCard2(bankCard2MetaRequest);
}
+ /**
+ * 执行银行卡二要素核验业务逻辑
+ *
+ * 核验结果码说明：
+ * - 0：银行卡号+姓名信息一致（核验通过）
+ * - 1：银行卡号+姓名信息不一致（核验失败）
+ * - 2：查无此卡（卡状态异常或已注销）
+ *
+ *
+ * @param bankCard2MetaRequest 银行卡核验请求对象
+ * @return R 返回核验结果，包含核验状态码和描述信息
+ */
public R doVerifyBankCard2(ABank4MetaVerifyRequest bankCard2MetaRequest) {
BankCard2MetaResp bankCard2MetaResp = new BankCard2MetaResp();
- // //1 一致 0 不一致，2查无(卡状态异常或已注销)
+
+ // 调用阿里云API进行银行卡二要素核验
ApiR aR = aBankMetaVerifyHandle.handle(bankCard2MetaRequest);
+
+ // API调用成功
if (aR.isSuccess()) {
TBankMetaVerifyResponse bankMetaVerifyResponse = aR.getData();
if (bankMetaVerifyResponse != null) {
+ // 业务错误处理（如参数错误、服务异常等）
if (bankMetaVerifyResponse.getCode() == 400) {
bankCard2MetaResp.setCheckResult(ApiConstants.FAILED);
bankCard2MetaResp.setDesc(bankMetaVerifyResponse.getMsg());
return R.ok().setData(bankCard2MetaResp);
}
+ // 业务成功处理，解析核验结果
if (bankMetaVerifyResponse.getCode() == 200 && bankMetaVerifyResponse.getData() != null) {
int result = bankMetaVerifyResponse.getData().getResult();
+
+ // 核验通过：银行卡号和姓名信息一致
if (result == 0) {
bankCard2MetaResp.setCheckResult(ApiConstants.SUCCESS);
bankCard2MetaResp.setDesc(SUCCESS_MSG);
- } else if (result == 1) {
+ }
+ // 核验失败：银行卡号和姓名信息不一致
+ else if (result == 1) {
bankCard2MetaResp.setCheckResult(ApiConstants.FAILED);
bankCard2MetaResp.setDesc(FAILED_MSG);
- } else {
+ }
+ // 其他情况：查无此卡或其他异常状态
+ else {
bankCard2MetaResp.setCheckResult(result + "");
bankCard2MetaResp.setDesc(bankMetaVerifyResponse.getData().getMsg());
}
@@ -91,6 +138,7 @@ public class BankCard2MetaController extends BaseController {
}
}
+ // API调用失败，返回错误信息
bankCard2MetaResp.setCheckResult(ApiConstants.FAILED);
bankCard2MetaResp.setDesc(aR.getErrorMsg());