谛听多维报告服务 采用谛听技术，通过多维度数据分析，生成深度洞察报告，为用户提供全面的信息支持。 分析维度： 基础信息 行为特征 关联关系 风险指标 服务优势： 数据全面 分析深入 洞察精准 应用广泛
请求端点
请求方式：POST
接口地址：https://api.tianyuanapi.com/api/v1/DWBG8B4D?t=13位时间戳
基础信息
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## 请求头
| 字段名 | 类型 | 必填 | 描述 |
|--------|------|------|------|
| Access-Id | string | 是 | 账号的 Access-Id |
对于业务请求参数
通过加密后得到 Base64 字符串，将其放入到请求体中，字段名为 `data`，以此方式进行传参。
```json
{
"data": "xxxx(base64)"
}
```
对接响应得到的公共参数
```json
{
"code": "int",
"message": "string",
"transaction_id": "string", // 流水号
"data": "string"
}
```
**data** 字段为加密的数据，需要解密后查看。
## 加密和解密机制
账户获得的密钥（**Access Key**）是一个 16 进制字符串，使用 AES-128 加密算法。
### 加密过程：
- 加密模式：**AES-CBC 模式**。
- 密钥长度：**128 位（16 字节）**。
- 填充方式：**PKCS7 填充**。
- **IV（初始化向量）**：IV 长度为 16 字节（128 位），每次加密时随机生成。
- 加密后，将 **IV** 和密文拼接在一起进行传输。
- 最后，将拼接了 IV 的密文通过 **Base64 编码**，方便在网络或文件中传输。
### 解密过程：
- 解密时，首先从 Base64 解码后的数据中提取前 16 字节作为 **IV**。
- 然后使用提取的 **IV**，通过 AES-CBC 模式解密剩余部分的密文。
- 解密后去除 **PKCS7 填充**，即可得到原始明文。
请求参数
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## 请求参数
```json
{
"mobile_no": "string",
"id_card": "string",
"name": "string"
"authorization_url": "string"
}
```
| 字段名 | 类型 | 必填 | 描述 |
|--------|------|------|------|
| mobile_no | string | 是 | 手机号 |
| id_card | string | 是 | 身份证号 |
| name | string | 是 | 姓名 |
| authorization_url| string | 是 | 授权书url地址(支持格式为:pdf/jpg/jpeg/png/bmp) |
通过加密后得到 Base64 字符串，将其放入到请求体中，字段名为 `data`。
```json
{
"data": "xxxx(base64)"
}
```
响应字段
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## 返回字段说明
## 1. data(响应主体结构)
| 字段名 | 类型 | 说明 |
|--------|------|------|
| baseInfo | object | 基本信息 |
| standLiveInfo | object | 身份信息核验 |
| checkSuggest | String | 审核建议 |
| fraudScore | int | 反欺诈评分，-1未命中，分值在【0，100】之间，得分越高，风险越高：<br>【0，59】低风险；<br>（60，79】中风险；<br>（80，100】高风险 |
| creditScore | int | 信用评分，-1未命中，分值在【300，1000】之间，得分越高，信用越好：<br>【300，499】信用一般；<br>（500，799】信用良好；<br>（800，1000】信用较好 |
| verifyRule | String | 验证规则，风险等级为【低风险】【中风险】【高风险】 |
| fraudRule | String | 反欺诈规则，风险等级为【低风险】【中风险】【高风险】 |
| riskWarning | object | 规则风险提示 |
| elementVerificationDetail | object | 要素、运营商、公安重点人员核查产品-命中详情 |
| riskSupervision | object | 关联风险监督 |
| overdueRiskProduct | object | 逾期风险产品-命中详情 |
| multCourtInfo | object | 司法风险核验产品-命中详情 |
| loanEvaluationVerificationDetail | object | 借贷评估产品-命中详情 |
| leasingRiskAssessment | object | 租赁风险评估产品-命中详情 |
| reportUrl | String | 报告URL链接，可用于在线查看完整的报告并用于下载 |
## 2. baseInfo（基本信息）
| 字段名 | 类型 | 说明 |
|--------|------|------|
| name | String | 姓名 |
| age | int | 年龄 |
| sex | String | 性别 |
| idCard | String | 身份证号码 |
| phone | String | 手机号码 |
| location | String | 户籍所在地 |
| phoneArea | String | 号码归属地 |
| status | int | 号码状态：-1:未查得; 0:空号; 1:实号; 2:停机; 3:库无; 4:沉默号; 5:风险号 |
| channel | String | 手机运营商 |
## 3. standLiveInfo（身份信息核验）
| 字段名 | 类型 | 说明 |
|--------|------|------|
| finalAuthResult | String | 实名核验："1"：【不一致或不存在】、"0"：【一致】 |
| verification | String | 运营商三要素核验："1"：【不一致】、"0"：【一致】 |
| inTime | String | 运营商在网时长：0 [0,3)、3 [3,6)、6 [6,12)、12 [12,24)、24 [24,+)、99 手机号已离网/新入网/手机状态异常、-1 查无记录 |
## 4. riskWarning（规则风险提示）
| 字段名 | 类型 | 说明 |
|--------|------|------|
| totalRiskCounts | int | 总风险点数量 |
| **要素核查** | | |
| idCardTwoElementMismatch | int | 身份证二要素信息对比结果不一致（高风险） |
| phoneThreeElementMismatch | int | 手机三要素简版不一致（高风险） |
| **运营商核验** | | |
| shortPhoneDuration | int | 手机在网时长极短（高风险） |
| shortPhoneDurationSlight | int | 手机在网时长较短（高风险） |
| idCardPhoneProvinceMismatch | int | 身份证号手机号归属省不一致（中风险） |
| noPhoneDuration | int | 手机在网状态为风险号（高风险） |
| **公安重点人员核验** | | |
| hasCriminalRecord | int | 该用户有前科（高风险） |
| isEconomyFront | int | 该用户有经济类前科（高风险） |
| isDisrupSocial | int | 该用户有妨害社会管理秩序（高风险） |
| isKeyPerson | int | 该用户为重点人员（高风险） |
| isTrafficRelated | int | 该用户为涉交通案件（高风险） |
| isAntiFraudInfo | int | 该用户为涉赌涉诈（中风险） |
| level | String | 该用户命中案件(详情见附录) |
| **逾期风险** | | |
| hitHighRiskBankLastTwoYears | int | 近两年命中银行高风险（高风险） |
| hitHighRiskNonBankLastTwoYears | int | 近两年命中非银高风险（高风险） |
| hitCurrentOverdue | int | 该用户命中当前逾期（中风险） |
| **司法风险核验** | | |
| hitCivilCase | int | 该用户命中民事案件（高风险） |
| hitCriminalRisk | int | 该用户命中刑事风险（高风险） |
| hitAdministrativeCase | int | 该用户命中行政案件（高风险） |
| hitPreservationReview | int | 该用户命中保全审查（高风险） |
| hitExecutionCase | int | 该用户命中执行案件（高风险） |
| hitBankruptcyAndLiquidation | int | 该用户命中强制清算与破产案件（高风险） |
| hitDirectlyUnderCase | int | 该用户命中直辖案件（高风险） |
| hitCompensationCase | int | 该用户命中赔偿案件（高风险） |
| **借贷评估** | | |
| frequentApplicationRecent | int | 近期申请机构极为频繁（高风险） |
| frequentNonBankApplications | int | 在非银机构申请次数极多（高风险） |
| highDebtPressure | int | 偿债压力极高（高风险） |
| frequentBankApplications | int | 在银行机构申请次数极多（高风险） |
| moreFrequentNonBankApplications | int | 在非银机构申请次数较多（中风险） |
| highFraudGangLevel | int | 欺诈团伙等级较高（中风险） |
| moreFrequentBankApplications | int | 在银行机构申请次数较多（中风险） |
| **租赁风险评估** | | |
| frequentRentalApplications | int | 在租赁机构申请极为频繁（高风险） |
| veryFrequentRentalApplications | int | 在租赁机构申请次数极多（高风险） |
## 5. elementVerificationDetail（要素、运营商、公安重点人员核查产品-命中详情）
| 字段名 | 类型 | 说明 |
|--------|------|------|
| sjsysFlag | int | 手机三要素简版风险标识(1高风险 2低风险 0未查得) |
| phoneCheckDetails | object | 手机三要素简版-移动联动电信 |
| sfzeysFlag | int | 身份证二要素风险标识(1高风险 2低风险 0未查得) |
| personCheckDetails | object | 身份证二要素验证 |
| onlineRiskFlag | int | 手机在网时长风险标识(1高风险 2低风险 0未查得) |
| onlineRiskList | object | 手机在网时长高级版 |
| phoneVailRiskFlag | int | 手机信息验证风险标识(1高风险 2低风险 0未查得) |
| phoneVailRisks | object | 手机信息验证列表 |
| belongRiskFlag | int | 身份证号手机号归属地风险标识(1高风险 2低风险 0未查得) |
| belongRisks | object | 身份证号手机号归属地列表 |
| highRiskFlag | int | 公安重点人员核验产品风险标识(1高风险 2低风险 0未查得) |
| keyPersonCheckList | object | 公安重点人员核验产品详情 |
| antiFraudInfo | int | 涉赌涉诈核验产品详情 |
### 5.1 phoneCheckDetails（手机三要素简版）
| 字段名 | 类型 | 说明 |
|--------|------|------|
| num | String | 序号 |
| ele | String | 校验项 |
| phoneCompany | String | 手机号运营商 |
| result | String | 校验结果 |
### 5.2 personCheckDetails（身份证二要素验证）
| 字段名 | 类型 | 说明 |
|--------|------|------|
| num | String | 序号 |
| ele | String | 校验项 |
| result | String | 校验结果 |
### 5.3 onlineRiskList（手机在网时长高级版）
| 字段名 | 类型 | 说明 |
|--------|------|------|
| num | String | 序号 |
| lineType | String | 运营商类型 |
| onLineTimes | String | 手机在网时长区间 |
### 5.4 phoneVailRisks（手机信息验证列表）
| 字段名 | 类型 | 说明 |
|--------|------|------|
| num | String | 序号 |
| phoneStatus | String | 手机在网状态 |
| phoneCompany | String | 手机号运营商 |
| phoneTimes | String | 手机在网时长 |
### 5.5 belongRisks（身份证号手机号归属地列表）
| 字段名 | 类型 | 说明 |
|--------|------|------|
| num | String | 序号 |
| personProvence | String | 身份证号所属省 |
| personCity | String | 身份证号所属市 |
| phoneProvence | String | 手机所属省 |
| phoneCity | String | 手机所属市 |
| phoneCardType | String | 手机卡类型 |
### 5.6 keyPersonCheckList（公安重点人员核验产品详情）
| 字段名 | 类型 | 说明 |
|--------|------|------|
| num | String | 序号 |
| fontFlag | int | 前科，表明用户侵犯公民人身权利，民主权利（在逃，盗窃、诈骗、抢劫、故意伤害、强奸....在刑或前科等） |
| jingJiFontFlag | int | 经济类前科，表明用户破坏金融秩序、非法吸存、违发贷款、金融诈骗、集资诈骗、保险诈骗、假币..在刑或前科等 |
| fangAiFlag | int | 妨害社会管理秩序，表明用户扰乱社会公共秩序、妨害司法、妨害国境管理、妨害文物管理、涉毒、涉黄....在刑或前科 |
| zhongDianFlag | int | 重点，表明用户危害国家、公共安全，涉恐、疆藏，涉稳、涉黑、涉及境外等 |
| sheJiaoTongFlag | int | 涉交通案件，表明用户危险驾驶、交通肇事等 |
## 6. overdueRiskProduct（逾期风险产品）
| 字段名 | 类型 | 说明 |
|--------|------|------|
| lyjlhyFlag | int | 逾期风险产品风险标识(1高风险 2低风险 0未查得) |
| dkzhktjFlag | int | 贷款中还款统计风险标识(1高风险 2低风险 0未查得) |
| tsmdyzFlag | int | 特殊名单验证风险标识(1高风险 2低风险 0未查得) |
| hasUnsettledOverdue | String | 是否存在逾期未结清 |
| currentOverdueInstitutionCount | String | 当前逾期机构数 |
| currentOverdueAmount | String | 当前逾期金额 |
| settledInstitutionCount | String | 已结清机构数 |
| totalLoanRepaymentAmount | String | 贷款已还款总金额 |
| totalLoanInstitutions | String | 贷款总机构 |
| overdueLast1Day | String | 近1天逾期 |
| overdueLast7Days | String | 近7天逾期 |
| overdueLast14Days | String | 近14天逾期 |
| overdueLast30Days | String | 近30天逾期 |
| daysSinceLastSuccessfulRepayment | String | 最近一次成功还款距今天数 |
| repaymentFailureCountLast7Days | String | 最近7天还款失败次数 |
| repaymentFailureAmountLast7Days | String | 最近7天还款失败金额 |
| repaymentSuccessCountLast7Days | String | 最近7天还款成功次数 |
| repaymentSuccessAmountLast7Days | String | 最近7天还款成功金额 |
| repaymentFailureCountLast14Days | String | 最近14天还款失败次数 |
| repaymentFailureAmountLast14Days | String | 最近14天还款失败金额 |
| repaymentSuccessCountLast14Days | String | 最近14天还款成功次数 |
| repaymentSuccessAmountLast14Days | String | 最近14天还款成功金额 |
| repaymentFailureCountLastMonth | String | 最近1个月还款失败次数 |
| repaymentFailureAmountLastMonth | String | 最近1个月还款失败金额 |
| repaymentSuccessCountLastMonth | String | 最近1个月还款成功次数 |
| repaymentSuccessAmountLastMonth | String | 最近1个月还款成功金额 |
| repaymentFailureCountLast3Months | String | 最近3个月还款失败次数 |
| repaymentFailureAmountLast3Months | String | 最近3个月还款失败金额 |
| repaymentSuccessCountLast3Months | String | 最近3个月还款成功次数 |
| repaymentSuccessAmountLast3Months | String | 最近3个月还款成功金额 |
| repaymentFailureCountLast6Months | String | 最近6个月还款失败次数 |
| repaymentFailureAmountLast6Months | String | 最近6个月还款失败金额 |
| repaymentSuccessCountLast6Months | String | 最近6个月还款成功次数 |
| repaymentSuccessAmountLast6Months | String | 最近6个月还款成功金额 |
| specialListVerification | JsonArray | 特殊名单验证 |
| specialListVerification.mz | String | 命中特殊名单原因 |
| specialListVerification.jg | String | 取值结果 |
## 7. multCourtInfo（司法风险核验产品）
### 7.1 案件详情列表
| 字段名 | 类型 | 说明 |
|--------|------|------|
| legalCasesFlag | int | 涉案公告列表风险标识(1高风险 2低风险 0未查得) |
| legalCases | array | 涉案公告列表 |
| executionCasesFlag | int | 执行公告列表风险标识(1高风险 2低风险 0未查得) |
| executionCases | array | 执行公告列表 |
| disinCasesFlag | int | 失信公告列表风险标识(1高风险 2低风险 0未查得) |
| disinCases | array | 失信公告列表 |
| limitCasesFlag | int | 限高公告列表风险标识(1高风险 2低风险 0未查得) |
| limitCases | array | 限高公告列表 |
### 7.2 案件详情列表共有字段
以下字段适用于legalCases（涉案公告）、executionCases（执行公告）、disinCases（失信公告）和limitCases（限高公告）
| 字段名 | 类型 | 说明 |
|--------|------|------|
| caseNumber | String | 案号 |
| caseType | String | 案件类型 |
| court | String | 法院 |
| litigantType | String | 诉讼地位 |
| filingTime | String | 立案时间 |
| disposalTime | String | 结案时间 |
| caseStatus | String | 案件状态 |
| executionAmount | String | 执行金额 |
| repaidAmount | String | 已还款金额 |
| caseReason | String | 案由 |
| disposalMethod | String | 结案方式 |
| judgmentResult | String | 判决结果 |
## 8. loanEvaluationVerificationDetail（借贷评估产品）
### 借贷评估产品
| 字段名 | 类型 | 说明 |
|--------|------|------|
| riskFlag | int | 借贷评估产品风险标识(1高风险 2低风险 0未查得) |
| organLoanPerformances | array | 本人在本机构借贷意向表现列表 |
| customerLoanPerformances | array | 本人在各个客户类型借贷意向表现列表 |
| businessLoanPerformances | array | 本人在各个业务类型借贷意向表现列表 |
| timeLoanPerformances | array | 本人在异常时间段借贷意向表现列表 |
### 本人在本机构借贷意向表现 (organLoanPerformances)
| 字段名 | 类型 | 说明 |
|--------|------|------|
| applyCount | String | 申请类型(银行/非银) |
| last7Day | String | 近7天申请次数 |
| last15Day | String | 近15天申请次数 |
| last1Month | String | 近1个月申请次数 |
| last3Month | String | 近3个月申请次数 |
| last6Month | String | 近6个月申请次数 |
| last12Month | String | 近12个月申请次数 |
### 本人在各个客户类型借贷意向表现 (customerLoanPerformances)
| 字段名 | 类型 | 说明 |
|--------|------|------|
| type | String | 客户类型（银行汇总/传统银行/网络零售银行/非银汇总/持牌网络小贷/持牌消费金融/持牌融资租赁机构/持牌汽车金融/其他） |
| last7Day | String | 近7天申请机构数 |
| last7DayCount | String | 近7天申请次数 |
| last15Day | String | 近15天申请机构数 |
| last15DayCount | String | 近15天申请次数 |
| last1Month | String | 近1个月申请机构数 |
| last1MonthCount | String | 近1个月申请次数 |
| last3Month | String | 近3个月申请机构数 |
| last3MonthCount | String | 近3个月申请次数 |
| last6Month | String | 近6个月申请机构数 |
| last6MonthCount | String | 近6个月申请次数 |
| last12Month | String | 近12个月申请机构数 |
| last12MonthCount | String | 近12个月申请次数 |
### 本人在各个业务类型借贷意向表现 (businessLoanPerformances)
| 字段名 | 类型 | 说明 |
|--------|------|------|
| type | String | 客户类型（信用卡(类信用卡)/线上小额现金贷/汽车金融/线上消费分期/线下消费分期/其他） |
| last7Day - last12MonthCount | String | 同上customerLoanPerformances相同字段 |
### 本人在异常时间段借贷意向表现 (timeLoanPerformances)
| 字段名 | 类型 | 说明 |
|--------|------|------|
| type | String | 客户类型（夜间-银行/夜间-非银/周末-银行/周末-非银） |
| last7Day - last12MonthCount | String | 同上customerLoanPerformances相同字段 |
## 9. leasingRiskAssessment（租赁风险评估产品）
| 字段名 | 类型 | 说明 |
|--------|------|------|
| riskFlag | int | 借贷评估产品风险标识(1高风险 2低风险 0未查得) |
| threeCInstitutionApplicationCountLast3Days | String | 3C机构近3天申请次数 |
| threeCInstitutionApplicationCountLast3DaysWeekend | String | 3C机构近3天周末申请次数 |
| threeCInstitutionApplicationCountLast3DaysNight | String | 3C机构近3天夜间申请次数 |
| threeCInstitutionApplicationCountLast7Days | String | 3C机构近7天申请次数 |
| threeCInstitutionApplicationCountLast7DaysWeekend | String | 3C机构近7天周末申请次数 |
| threeCInstitutionApplicationCountLast7DaysNight | String | 3C机构近7天夜间申请次数 |
| threeCInstitutionApplicationCountLast14Days | String | 3C机构近14天申请次数 |
| threeCInstitutionApplicationCountLast14DaysWeekend | String | 3C机构近14天周末申请次数 |
| threeCInstitutionApplicationCountLast14DaysNight | String | 3C机构近14天夜间申请次数 |
| threeCInstitutionApplicationCountLastMonth | String | 3C机构近1个月申请次数 |
| threeCInstitutionApplicationCountLastMonthWeekend | String | 3C机构近1个月周末申请次数 |
| threeCInstitutionApplicationCountLastMonthNight | String | 3C机构近1个月夜间申请次数 |
| threeCInstitutionApplicationCountLast3Months | String | 3C机构近3个月申请次数 |
| threeCInstitutionApplicationCountLast3MonthsWeekend | String | 3C机构近3个月周末申请次数 |
| threeCInstitutionApplicationCountLast3MonthsNight | String | 3C机构近3个月夜间申请次数 |
| threeCInstitutionApplicationCountLast6Months | String | 3C机构近6个月申请次数 |
| threeCInstitutionApplicationCountLast6MonthsWeekend | String | 3C机构近6个月周末申请次数 |
| threeCInstitutionApplicationCountLast6MonthsNight | String | 3C机构近6个月夜间申请次数 |
| threeCInstitutionApplicationCountLast12Months | String | 3C机构近12个月申请次数 |
| threeCInstitutionApplicationCountLast12MonthsWeekend | String | 3C机构近12个月周末申请次数 |
| threeCInstitutionApplicationCountLast12MonthsNight | String | 3C平台近3天申请次数 |
| threeCPlatformApplicationCountLast3Days | String | 3C平台近3天申请次数 |
| threeCPlatformApplicationCountLast3DaysWeekend | String | 3C平台近3天周末申请次数 |
| threeCPlatformApplicationCountLast3DaysNight | String | 3C平台近3天周末申请次数 |
| threeCPlatformApplicationCountLast7Days | String | 3C平台近7天申请次数 |
| threeCPlatformApplicationCountLast7DaysWeekend | String | 3C平台近7天周末申请次数 |
| threeCPlatformApplicationCountLast7DaysNight | String | 3C平台近7天周末申请次数 |
| threeCPlatformApplicationCountLast14Days | String | 3C平台近14天申请次数 |
| threeCPlatformApplicationCountLast14DaysWeekend | String | 3C平台近14天周末申请次数 |
| threeCPlatformApplicationCountLast14DaysNight | String | 3C平台近14天夜间申请次数 |
| threeCPlatformApplicationCountLastMonth | String | 3C平台近1个月申请次数 |
| threeCPlatformApplicationCountLastMonthWeekend | String | 3C平台近1个月周末申请次数 |
| threeCPlatformApplicationCountLastMonthNight | String | 3C平台近1个月夜间申请次数 |
| threeCPlatformApplicationCountLast3Months | String | 3C平台近3个月申请次数 |
| threeCPlatformApplicationCountLast3MonthsWeekend | String | 3C平台近3个月周末申请次数 |
| threeCPlatformApplicationCountLast3MonthsNight | String | 3C平台近3个月夜间申请次数 |
| threeCPlatformApplicationCountLast6Months | String | 3C平台近6个月申请次数 |
| threeCPlatformApplicationCountLast6MonthsWeekend | String | 3C平台近6个月周末申请次数 |
| threeCPlatformApplicationCountLast6MonthsNight | String | 3C平台近6个月夜间申请次数 |
| threeCPlatformApplicationCountLast12Months | String | 3C平台近12个月申请次数 |
| threeCPlatformApplicationCountLast12MonthsWeekend | String | 3C平台近12个月周末申请次数 |
| threeCPlatformApplicationCountLast12MonthsNight | String | 3C平台近12个月夜间申请次数 |
## 10. riskSupervision（关联风险监督）
| 字段名 | 类型 | 说明 |
|--------|------|------|
| leastApplicationTime | int | 最后申请时间 |
| rentalRiskListIdCardRelationsPhones | int | 同一身份证关联手机号数 |
| rentalRiskListPhoneRelationsIdCards | int | 同一手机号关联身份证数 |
| details | String | 详情 |
## 11. antiFraudInfo（涉赌涉诈风险）
| 字段名 | 类型 | 说明 |
|--------|------|------|
| moneyLaundering | string | 疑似跑分风险(0,A,B,C,D) |
| deceiver | string | 疑似欺诈风险(0,A,B,C,D) |
| gamblerPlayer | string | 疑似赌博玩家风险(0,A,B,C,D) |
| gamblerBanker | string | 疑似赌博庄家风险(0,A,B,C,D) |
| riskScore | string | 风险分(仅无风险时返回此项，固定值为0) |
### 备注
| 数值 | 说明 |
|------|------|
| 0 | 无风险 |
| A | 较低风险：近三个月有参与疑似涉赌涉诈中风险交易，或历史有参与涉赌诈高风险交易，近期未参与涉赌诈等交易的账号；以及其他较低危风险交易 |
| B | 低风险：近三个月有参与疑似涉赌涉诈高风险交易，近期未参与涉赌诈等交易的账号；以及其他低危风险交易 |
| C | 中风险（有从高风险降级的可能性）：近三个月有与赌博庄家、欺诈收款关联交易，或疑似团伙性质的账户；或第三方支付投诉举报，疑似为涉诈、涉赌的收款账户；以及其他中危风险交易 |
| D | 高风险：近三个月有被交易处罚，如涉赌、涉诈等高危风险交易的处罚；或近期被四方巡检稽核为收款账户；或第三方支付投诉举报，定性为涉诈账户，且近期有过高危收款行为的账户，以及其他高危风险交易 |
## 附录
| 类型 | 详细说明 |
|------|----------|
| 0 | 正常人员 |
| A | 前科 ： 侵犯公民人身权利，民主权利（在逃，盗窃、诈骗、抢劫、故意伤害、强奸....在刑或前科等） |
| A1 | 盗窃 |
| A2 | 诈骗 |
| A3 | 抢劫/夺 |
| A4 | 故意伤害/杀人/ |
| A5 | 强奸/性侵/猥亵/ |
| B | 经济类前科(破坏金融秩序、非法吸存、违发贷款、金融诈骗、集资诈骗、保险诈骗、假币..在刑或前科等) |
| B1 | 走私 |
| B2 | 破坏金融管理秩序 |
| B3 | 正常人员 |
| B4 | 洗钱 |
| B5 | 洗钱 |
| C | 妨害社会管理秩序(扰乱社会公共秩序、妨害司法、妨害国境管理、妨害文物管理、涉毒、涉黄....在刑或前科等） |
| C1 | 扰乱公共秩序 |
| C2 | 妨害司法 |
| C3 | 涉毒 |
| C4 | 涉黄刑案 |
| C5 | 帮信/掩隐/侵公 |
| D | 重点(危害国家、公共安全，涉恐、疆藏，涉稳、涉黑、涉及境外等) |
| D1 | 危害国家、公共安全 |
| D2 | 涉稳 |
| D3 | 涉及境外 |
| D4 | 涉恐、疆藏 |
| D5 | 涉黑 |
| E | 涉交通案件 :(危险驾驶、交通肇事等) |
| F | 法院文书 |
响应示例
⏳
正在转换内容...
## 响应示例
### 成功响应
```json
{
"baseInfo": {
"name": "封*伟",
"age": 34,
"sex": "男",
"idCard": "3203**199102***152",
"phone": "158****2970",
"location": "江苏省徐州市沛县",
"phoneArea": "江苏-徐州",
"channel": "中国移动",
"status": 4
},
"reportUrl": "http://www.zhichajinkong.cn/manager/index.html#/v-report?tranId=******",
"standLiveInfo": {
"finalAuthResult": "0",
"verification": "1",
"inTime": "3"
},
"checkSuggest": "建议拒绝",
"fraudScore": 100,
"creditScore": 300,
"verifyRule": "高风险",
"fraudRule": "高风险",
"riskWarning": {
"sfhyfxRiskHighCounts": 1,
"noPhoneDuration": 1,
"jdpgRiskMiddleCounts": 1,
"idCardRiskMiddleCounts": 0,
"yqfxRiskMiddleCounts": 0,
"isDisrupSocial": 1,
"sfhyfxRiskCounts": 1,
"hitCivilCase": 0,
"isAntiFraudInfo": 0,
"zlfxpgRiskHighCounts": 0,
"gazdyrhyRiskMiddleCounts": 0,
"hitAdministrativeCase": 0,
"level": "C2,C5",
"frequentBankApplications": 0,
"yqfxRiskHighCounts": 0,
"isTrafficRelated": 0,
"phoneThreeElementMismatch": 0,
"highDebtPressure": 0,
"hitCompensationCase": 0,
"idCardRiskHighCounts": 0,
"totalRiskCounts": 4,
"yqfxRiskCounts": 0,
"idCardTwoElementMismatch": 0,
"isKeyPerson": 0,
"zlfxpgRiskMiddleCounts": 0,
"shortPhoneDurationSlight": 0,
"hitBankruptcyAndLiquidation": 0,
"highFraudGangLevel": 1,
"isEconomyFront": 0,
"jdpgRiskHighCounts": 0,
"hasCriminalRecord": 0,
"veryFrequentRentalApplications": 0,
"frequentNonBankApplications": 0,
"idCardRiskCounts": 0,
"frequentApplicationRecent": 0,
"hitDirectlyUnderCase": 0,
"hitPreservationReview": 0,
"hitExecutionCase": 0,
"gazdyrhyRiskCounts": 1,
"shortPhoneRiskMiddleCounts": 0,
"hitCurrentOverdue": 0,
"jdpgRiskCounts": 1,
"idCardPhoneProvinceMismatch": 0,
"hitHighRiskBankLastTwoYears": 0,
"shortPhoneRiskCounts": 1,
"sfhyfxRiskMiddleCounts": 0,
"gazdyrhyRiskHighCounts": 1,
"frequentRentalApplications": 0,
"shortPhoneDuration": 0,
"zlfxpgRiskCounts": 0,
"moreFrequentBankApplications": 0,
"hitHighRiskNonBankLastTwoYears": 0,
"shortPhoneRiskHighCounts": 1,
"moreFrequentNonBankApplications": 0,
"hitCriminalRisk": 1
},
"riskSupervision": {
"rentalRiskListIdCardRelationsPhones": 0,
"details": "无",
"rentalRiskListPhoneRelationsIdCards": 0,
"leastApplicationTime": "2025-06-02"
},
"elementVerificationDetail": {
"sjsysFlag": 1,
"sfzeysFlag": 2,
"phoneCheckDetails": {
"num": "1",
"ele": "身份证号、手机号、姓名",
"phoneCompany": "中国移动",
"result": "不一致"
},
"antiFraudInfo": {},
"personCheckDetails": {
"num": "1",
"ele": "身份证号、姓名",
"result": "一致"
},
"onlineRiskFlag": 0,
"onlineRiskList": {
"num": "1",
"lineType": "移动",
"onLineTimes": "3,6(个月)"
},
"phoneVailRiskFlag": 1,
"phoneVailRisks": {
"num": "1",
"phoneCompany": "移动",
"phoneStatus": "沉默号",
"phoneTimes": "3(单位:月)"
},
"belongRiskFlag": 0,
"belongRisks": {
"num": "1",
"personProvence": "江苏省",
"personCity": "徐州市",
"phoneProvence": "江苏",
"phoneCity": "徐州",
"phoneCardType": "移动"
},
"highRiskFlag": 2,
"keyPersonCheckList": {
"num": "1",
"fontFlag": 0,
"jingJiFontFlag": 0,
"fangAiFlag": 0,
"zhongDianFlag": 0,
"sheJiaoTongFlag": 0
}
},
"overdueRiskProduct": {
"lyjlhyFlag": 1,
"dkzhktjFlag": 2,
"tsmdyzFlag": 0,
"hasUnsettledOverdue": "逾期",
"currentOverdueInstitutionCount": "(0,1000)",
"currentOverdueAmount": "1",
"settledInstitutionCount": "[17,+)",
"totalLoanRepaymentAmount": "[68000,+)",
"totalLoanInstitutions": "[14,+)",
"overdueLast1Day": "未逾期",
"overdueLast7Days": "未逾期",
"overdueLast14Days": "逾期",
"overdueLast30Days": "逾期",
"daysSinceLastSuccessfulRepayment": "160+",
"repaymentFailureCountLast7Days": "0",
"repaymentFailureAmountLast7Days": "0",
"repaymentSuccessCountLast7Days": "-",
"repaymentSuccessAmountLast7Days": "-",
"repaymentFailureCountLast14Days": "[5,15)",
"repaymentFailureAmountLast14Days": "(0,1000)",
"repaymentSuccessCountLast14Days": "-",
"repaymentSuccessAmountLast14Days": "-",
"repaymentFailureCountLastMonth": "[5,34)",
"repaymentFailureAmountLastMonth": "(0,6000)",
"repaymentSuccessCountLastMonth": "-",
"repaymentSuccessAmountLastMonth": "-",
"repaymentFailureCountLast3Months": "[56,+)",
"repaymentFailureAmountLast3Months": "(0,10000)",
"repaymentSuccessCountLast3Months": "-",
"repaymentSuccessAmountLast3Months": "-",
"repaymentFailureCountLast6Months": "[70,+)",
"repaymentFailureAmountLast6Months": "[2000,30000)",
"repaymentSuccessCountLast6Months": "-",
"repaymentSuccessAmountLast6Months": "-",
"specialListVerification": []
},
"multCourtInfo": {
"legalCases": [],
"executionCases": [
{
"caseNumber": "（2023）赣1102执保608号",
"caseType": "财产保全执行",
"court": "上饶市信州区人民法院",
"litigantType": "被申请人",
"filingTime": "2023-05-12",
"disposalTime": "2023-05-17",
"caseStatus": "已结案",
"executionAmount": "",
"repaidAmount": "",
"caseReason": "未知",
"disposalMethod": "部分保全",
"judgmentResult": ""
}
],
"disinCases": [],
"limitCases": [],
"legalCasesFlag": 1,
"executionCasesFlag": 1,
"disinCasesFlag": 0,
"limitCasesFlag": 0
},
"loanEvaluationVerificationDetail": {
"riskFlag": 1,
"organLoanPerformances": [
{
"applyCount": "银行",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "2/0",
"last12Month": "2/0"
},
{
"applyCount": "非银",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "2/2",
"last12Month": "2/2"
}
],
"customerLoanPerformances": [
{
"type": "银行汇总",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "2/0",
"last12Month": "2/0",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "2/0",
"last12MonthCount": "2/0"
},
{
"type": "传统银行",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "0/0",
"last12Month": "0/0",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "0/0",
"last12MonthCount": "0/0"
},
{
"type": "网络零售银行",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "2/0",
"last12Month": "2/0",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "2/0",
"last12MonthCount": "2/0"
},
{
"type": "非银汇总",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "2/2",
"last12Month": "2/2",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "2/2",
"last12MonthCount": "2/2"
},
{
"type": "持牌网络小贷",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "0/0",
"last12Month": "0/0",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "0/0",
"last12MonthCount": "0/0"
},
{
"type": "持牌消费金融",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "2/2",
"last12Month": "2/2",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "2/2",
"last12MonthCount": "2/2"
},
{
"type": "持牌融资租赁机构",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "0/0",
"last12Month": "0/0",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "0/0",
"last12MonthCount": "0/0"
},
{
"type": "持牌汽车金融",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "0/0",
"last12Month": "0/0",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "0/0",
"last12MonthCount": "0/0"
}
],
"businessLoanPerformances": [
{
"type": "信用卡(类信用卡)",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "0/0",
"last12Month": "0/0",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "0/0",
"last12MonthCount": "0/0"
},
{
"type": "线上小额现金贷",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "0/0",
"last12Month": "0/0",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "0/0",
"last12MonthCount": "0/0"
},
{
"type": "汽车金融",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "0/0",
"last12Month": "0/0",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "0/0",
"last12MonthCount": "0/0"
},
{
"type": "线上消费分期",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "0/0",
"last12Month": "0/0",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "0/0",
"last12MonthCount": "0/0"
},
{
"type": "线下消费分期",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "0/0",
"last12Month": "0/0",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "0/0",
"last12MonthCount": "0/0"
},
{
"type": "其他",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "0/0",
"last12Month": "0/0",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "0/0",
"last12MonthCount": "0/0"
}
],
"timeLoanPerformances": [
{
"type": "夜间-银行",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "0/0",
"last12Month": "0/0",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "0/0",
"last12MonthCount": "0/0"
},
{
"type": "夜间-非银",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "1/1",
"last12Month": "1/1",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "1/1",
"last12MonthCount": "1/1"
},
{
"type": "周末-银行",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "0/0",
"last12Month": "0/0",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "0/0",
"last12MonthCount": "0/0"
},
{
"type": "周末-非银",
"last7Day": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "0/0",
"last12Month": "0/0",
"last7DayCount": "0/0",
"last15DayCount": "0/0",
"last1MonthCount": "0/0",
"last3MonthCount": "0/0",
"last6MonthCount": "0/0",
"last12MonthCount": "0/0"
}
]
},
"leasingRiskAssessment": {
"threeCPlatformApplicationCountLast3MonthsNight": "0/0",
"threeCPlatformApplicationCountLast3Days": "0/0",
"threeCInstitutionApplicationCountLast12MonthsNight": "0/0",
"threeCInstitutionApplicationCountLastMonthWeekend": "0/0",
"threeCInstitutionApplicationCountLast12MonthsWeekend": "0/0",
"threeCInstitutionApplicationCountLast3DaysNight": "0/0",
"threeCPlatformApplicationCountLastMonth": "0/0",
"threeCPlatformApplicationCountLast6MonthsNight": "0/0",
"threeCPlatformApplicationCountLast7DaysNight": "0/0",
"threeCInstitutionApplicationCountLastMonthNight": "0/0",
"threeCInstitutionApplicationCountLast14DaysWeekend": "0/0",
"threeCInstitutionApplicationCountLastMonth": "0/0",
"threeCPlatformApplicationCountLast14DaysNight": "0/0",
"threeCPlatformApplicationCountLast3Months": "2/1",
"threeCPlatformApplicationCountLast3MonthsWeekend": "0/0",
"threeCInstitutionApplicationCountLast6Months": "2/1",
"threeCInstitutionApplicationCountLast14DaysNight": "0/0",
"threeCPlatformApplicationCountLast6MonthsWeekend": "0/0",
"threeCInstitutionApplicationCountLast7Days": "0/0",
"threeCInstitutionApplicationCountLast3DaysWeekend": "0/0",
"threeCInstitutionApplicationCountLast3MonthsNight": "0/0",
"threeCPlatformApplicationCountLast6Months": "2/1",
"threeCInstitutionApplicationCountLast3Months": "2/1",
"threeCInstitutionApplicationCountLast14Days": "0/0",
"threeCPlatformApplicationCountLast14DaysWeekend": "0/0",
"threeCInstitutionApplicationCountLast7DaysNight": "0/0",
"threeCPlatformApplicationCountLast12Months": "3/2",
"threeCPlatformApplicationCountLast12MonthsWeekend": "0/0",
"threeCInstitutionApplicationCountLast3Days": "0/0",
"threeCInstitutionApplicationCountLast7DaysWeekend": "0/0",
"riskFlag": 2,
"threeCInstitutionApplicationCountLast6MonthsNight": "0/0",
"threeCPlatformApplicationCountLast3DaysNight": "0/0",
"threeCInstitutionApplicationCountLast3MonthsWeekend": "0/0",
"threeCPlatformApplicationCountLast7Days": "0/0",
"threeCPlatformApplicationCountLast12MonthsNight": "0/0",
"threeCPlatformApplicationCountLastMonthWeekend": "0/0",
"threeCInstitutionApplicationCountLast6MonthsWeekend": "0/0",
"threeCPlatformApplicationCountLastMonthNight": "0/0",
"threeCInstitutionApplicationCountLast12Months": "3/2",
"threeCPlatformApplicationCountLast14Days": "0/0",
"threeCPlatformApplicationCountLast7DaysWeekend": "0/0",
"threeCPlatformApplicationCountLast3DaysWeekend": "0/0"
}
}
```
错误码
⏳
正在转换内容...
## 错误代码
| code | message |
|------|---------|
| 0 | 业务成功 |
| 1000 | 查询为空 |
| 1001 | 接口异常 |
| 1002 | 参数解密失败 |
| 1003 | 基础参数校验不正确 |
| 1004 | 未经授权的IP |
| 1005 | 缺少Access-Id |
| 1006 | 未经授权的AccessId |
| 1007 | 账户余额不足，无法请求 |
| 1008 | 未开通此产品 |
| 2001 | 业务失败 |
Q: 如何开始使用该API接口？
A: 您需要先在我们的平台注册账号，然后在控制台中开通对应的API服务，获取调用凭证后即可开始集成使用。
Q: 计费方式是怎样的？
A: 我们采用按调用次数计费的方式，每次调用 ¥10.8，充值不同额度可享受相应的优惠。您可以根据业务需求选择适合的充值方案，也支持定制套餐，详情可联系商务人员咨询。
Q: 接口的调用频率和限制是什么？
A: 我们的接口不设调用频率限制，您可以根据实际业务需求进行调用，系统会自动根据您的请求进行处理。
Q: 数据安全性如何保障？
A: 我们采用HTTPS加密传输，所有API调用需要身份验证，数据存储符合国家相关法规要求，定期进行安全审计。
Q: 是否提供技术支持？
A: 是的，我们提供全方位的技术支持。您可以通过控制台内的工单系统提交问题，或联系您的客户经理获取技术支持，我们的专业团队会尽快为您解决问题。
