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：

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 83359fd73fe94948385f570e3c139105        headers.put("Authorization", "APPCODE " + appcode);        //根据API的要求，定义相对应的Content-Type        headers.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.             */            HttpResponse response = HttpUtils.doPost(host, path, method, headers, querys, bodys);            System.out.println(response.toString());            //获取response的body            System.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);        }    }}```