add

2025-08-13 18:31:52 +08:00
parent 17ad88608b
commit 275713f893
77 changed files with 10658 additions and 178 deletions
--- a/app/utils/AliUtils.php
+++ b/app/utils/AliUtils.php
@@ -0,0 +1,94 @@
+<?php
+
+namespace app\utils;
+
+use app\exception\SysException;
+use think\facade\Log;
+
+class AliUtils
+{
+    public static function verify($name, $idCard, $accountNo, $bankPreMobile)
+    {
+        Log::info("阿里云四要素认证请求参数: {$name}, {$idCard}, {$accountNo}, {$bankPreMobile}");
+
+        // 参数校验
+        if (empty($name)) {
+            throw new SysException("持卡人姓名不能为空");
+        }
+        if (empty($idCard)) {
+            throw new SysException("身份证号码不能为空");
+        }
+        if (empty($accountNo)) {
+            throw new SysException("银行卡卡号不能为空");
+        }
+        if (empty($bankPreMobile)) {
+            throw new SysException("银行预留手机号码不能为空");
+        }
+        if (!preg_match('/^[\x{4e00}-\x{9fa5}]{2,}$/u', $name)) {
+            throw new SysException("持卡人姓名不合法");
+        }
+        if (!self::isValidIdCard($idCard)) {
+            throw new SysException("身份证号码不合法");
+        }
+        if (!preg_match('/^1[3-9]\d{9}$/', $bankPreMobile)) {
+            throw new SysException("银行预留手机号码格式不正确");
+        }
+
+        $appcode = 'f98606b602564d209f37fc02b0bd590c';
+        $headers = [
+            "Authorization: APPCODE {$appcode}",
+            "Content-Type: application/x-www-form-urlencoded; charset=UTF-8"
+        ];
+
+        $url = 'https://bkvip.market.alicloudapi.com/v3/bcheck';
+        $body = http_build_query([
+            'accountNo' => $accountNo,
+            'name' => $name,
+            'idCardCode' => $idCard,
+            'bankPreMobile' => $bankPreMobile
+        ]);
+
+        $ch = curl_init();
+        curl_setopt_array($ch, [
+            CURLOPT_URL => $url,
+            CURLOPT_HTTPHEADER => $headers,
+            CURLOPT_POST => true,
+            CURLOPT_POSTFIELDS => $body,
+            CURLOPT_RETURNTRANSFER => true,
+            CURLOPT_TIMEOUT => 15
+        ]);
+
+        $response = curl_exec($ch);
+        curl_close($ch);
+
+        Log::info("阿里云四要素: {$idCard}, {$name}, {$accountNo}, {$bankPreMobile}, 结果: {$response}");
+
+        $ret = json_decode($response, true);
+        if (!isset($ret['error_code']) || !isset($ret['result'])) {
+            throw new SysException("阿里云接口返回格式错误".$response);
+        }
+
+        $errorCode = $ret['error_code'];
+        $result = $ret['result'];
+        $respCode = $result['respCode'] ?? '';
+
+        if ($errorCode == 0 && $respCode === "0") {
+            // 验证通过
+        } else {
+            throw new SysException($result['respMsg'] ?? '认证失败');
+        }
+
+        $bankName = $result['bancardInfor']['bankName'] ?? null;
+
+        return [
+            'bankName' => $bankName,
+            'respJson' => $response
+        ];
+    }
+
+    private  static function isValidIdCard($idCard)
+    {
+        // 简单校验身份证号
+        return preg_match('/^\d{17}[\dXx]$/', $idCard);
+    }
+}