用户管理类 ========== 个人用户开户 ------------ 接口功能说明 ~~~~~~~~~~~~ 用于在本平台系统下为个人用户开设专属账户 调用方式：后台调用 应答方式：同步后台应答、异步应答 接口类型：同步+异步 请求参数列表 ~~~~~~~~~~~~ +--------------------+--------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +====================+====================+===================+============+================================================================================================================================================+ | 版本号 | version | 定长 2 位 String | 必须 | 目前固定为 10 | +--------------------+--------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 101 | +--------------------+--------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户唯一标识号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +--------------------+--------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 YYYYMMDD ，例如：20160307 | +--------------------+--------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户生成，必须保证唯一，20 位内数字或字母的组合 | +--------------------+--------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 用户姓名 | user\_name | 变长 50 位 String | 必须 | 用户的真实姓名，中文应使用 UTF-8 字符集 URLEncode 编码后传入 | +--------------------+--------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 身份证号 | cert\_id | 定长 18位 String | 必须 | 用户的身份证号 | +--------------------+--------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 手机号 | user\_mobile | 定长 11 位 String | 必须 | 用户的手机号 | +--------------------+--------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 邮箱 | user\_email | 变长 40 位 String | 可选 | 用户的电子邮箱 | +--------------------+--------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 短信验证码 | sms\_code | 定长 6 位 String | 可选 | 与 user\_mobile 对应的短信验证码，测试环境调试时可以使用 666666 通过验证。 | +--------------------+--------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 短信验证码日期 | sms\_order\_date | 定长 8 位 String | 可选 | 与sms\_code 对应的验证码发送订单日期 | +--------------------+--------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 短信验证码订单号 | sms\_order\_id | 变长 20 位 String | 可选 | 与sms\_code 对应的验证码发送订单号 | +--------------------+--------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户后台应答地址 | bg\_ret\_url | 变长 128 位 String| 必须 | 后台异步通知接收地址 | +--------------------+--------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 128 位 String| 可选 | 为商户的自定义字段，该字段在交易完成后由本平台原样返回。注意：如参数中包含中文，应对参数进行 Base64 加密后再使用 | +--------------------+--------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 扩展域 | extension | 变长 512 位 String| 可选 | 用于扩展请求参数若需要进行二级商户号验证，则必传，格式：{"sub\_mer\_cust\_id": "111111111111"} 二级商户号由汇付生成，详见 二级商户录入接口_ | +--------------------+--------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 定长 256 位 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +--------------------+--------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ 本接口加签拼接顺序： .. code:: java version+cmd_id+mer_cust_id+order_date+order_id+cert_id+user_mobile+user_email+sms_code+sms_order_date+sms_order_id+bg_ret_url+mer_priv+extension 返回参数列表 ~~~~~~~~~~~~ +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +========================+=====================+===================+============+================================================================================================================================================+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 101 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 应答返回码 | resp\_code | 定长 6 位 String | 必须 | 101000 调用成功 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 应答返回描述 | resp\_desc | 变长 String | 必须 | 返回码的对应中文描述，中文为 UTF-8 字符集 URLEncode 编码后的字符串，商户应解码获取原文 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户唯一标识号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 YYYYMMDD，例如：20160307 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户生成，必须保证唯一，20 位内数字或字母的组合 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 用户唯一标识号 | user\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，用户的唯一性标识 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 子账户号 | acct\_id | 变长 16 位 String | 必须 | 由汇付生成，用户的默认子账户号 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 本平台交易唯一标识号 | platform\_seq\_id | 定长 18 位 String | 必须 | 组成规则：8 位本平台日期 + 10 位系统流水号 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 手续费金额 | fee\_amt | 变长 14 位 String | 可选 | 手续费金额，格式为 ###.00 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 手续费子账户号 | fee\_acct\_id | 变长 9 位 String | 可选 | 手续费扣款子账户号 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户后台应答地址 | bg\_ret\_url | 变长 128 位 String| 必须 | 后台异步通知接收地址 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 128 位 String| 可选 | 为商户的自定义字段，该字段在交易完成后由本平台原样返回。注意：如参数中包含中文，应对参数进行 Base64 加密后再使用 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 扩展域 | extension | 变长 512 位 String| 可选 | 用于扩展请求参数若需要进行二级商户号验证，则必传格式：{"sub\_mer\_cust\_id": "111111111111"} 二级商户号由汇付生成，详见 二级商户录入接口_ | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 定长 256 位 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------+ .. _个人用户开户返回码表 : user.html#id10 本接口加签拼接顺序： .. code:: java cmd_id+resp_code+mer_cust_id+order_date+order_id+user_cust_id+acct_id+platform_seq_id+fee_amt+fee_acct_id+bg_ret_url+mer_priv+extension 代码示例 ~~~~~~~~ java .. code:: java String result = new String(); HttpClient client = new DefaultHttpClient(); HttpPost post = new HttpPost("https://finance.chinapnr.com/asharp/merchantRequest"); try { List nvps = new ArrayList(); nvps.add(new BasicNameValuePair("version", "10")); nvps.add(new BasicNameValuePair("cmd_id", "101")); nvps.add(new BasicNameValuePair("mer_cust_id", "6666000000000001")); nvps.add(new BasicNameValuePair("order_date", "20180327")); nvps.add(new BasicNameValuePair("order_id", "10000000001")); ....... post.setEntity(new UrlEncodedFormEntity(nvps)); HttpResponse httpResponse = client.execute(post); int code = httpResponse.getStatusLine().getStatusCode(); String returnStr = EntityUtils.toString(httpResponse.getEntity()); } catch (Exception e) { e.printStackTrace(); } 成功响应 .. code:: json 200 { "cmd_id": "101", "resp_code": "101000", "resp_desc": "交易成功", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 失败响应 .. code:: json 200 { "cmd_id": "101", "resp_code": "101003", "resp_desc": "交易失败", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 接口返回码 ~~~~~~~~~~ +------------------------------+----------------------------------------------------------------------------------------------+ | **返回参数** | **返回描述** | +==============================+==============================================================================================+ | 101000 | 交易成功 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101003 | 交易失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101099 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101100 | 请求参数非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101101 | 商户无此接口权限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101102 | 验证签名失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101103 | 商户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101106 | 商户签名未配置 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101202 | 交易订单号重复 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101203 | 账户可用余额不足 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101204 | 商户配置异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101205 | 短信验证码验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101206 | 短信验证码发送手机号与验证手机号不一致 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101207 | 短信验证码或短信唯一标识为空 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101208 | 短信验证码已失效请重新获取 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101209 | 验证码发送接口与接口不一致 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101301 | 该用户已开户，身份证号已存在 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101302 | 该用户已开户，手机号已存在 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101303 | 该用户正在开户中，请勿重复申请 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101304 | 个人用户开户失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101400 | 身份证和姓名校验不符 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101401 | 身份证末位校验失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101800 | 风控信息验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101801 | 商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101802 | 用户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 101803 | 二级商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ 企业用户开户 ------------ 接口功能说明 ~~~~~~~~~~~~ 用于在本平台系统下为企业用户开设专属账户 调用方式：页面调用 应答方式：同步页面应答（中间态/异常）、异步应答（终态） 接口类型：异步 请求参数列表 ~~~~~~~~~~~~ +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +==========================+============================+===================+============+============================================================================================================================================================================================================+ | 版本号 | version | 定长 2 位 String | 必须 | 目前固定为 10 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 102 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户唯一标识号 | mer\_cust\_id | 变长 16 位 String | 必须 | 由汇付生成，商户的唯一标识号 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 企业开户申请号 | apply\_id | 变长 20 的 String | 必须 | 由商户提供，申请企业开户的唯一标识 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 YYYYMMDD ，例如：20160307 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 定长 20 位 String | 必须 | 由商户生成，必须保证唯一，20 位内数字或字母的组合 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 操作类型 | operate\_type | 定长 8 位 String | 必须 | 00090000：新增； 00090001：修改 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 企业证照类型 | corp\_license\_type | 定长 8 位 String | 必须 | 01030100：普通营业执照企业； 01030101：三证合一企业 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 企业类型 | corp\_type | 定长 8 位 String | 必须 | 01030000：普通企业 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 企业名称 | corp\_name | 变长 50 位 String | 必须 | 企业的公司全称，中文应使用 UTF-8 字符集 URLEncode 编码后传入 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 营业执照注册号 | business\_code | 变长 30 位 String | 可选 | 企业的营业执照注册号 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 组织机构代码 | institution\_code | 定长 9 位 String | 可选 | 企业的组织机构代码证 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 税务登记证号 | tax\_code | 变长 30 位 String | 可选 | 企业的税务登记号 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 统一社会信用代码 | social\_credit\_code | 定长 18 位 String | 可选 | 企业的统一社会信用代码 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 证照起始日期 | license\_start\_date | 定长 8 位 String | 必须 | 企业的营业证照起始日期，精确到年月日 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 证照结束日期 | license\_end\_date | 定长 8 位 String | 必须 | 企业的营业证照结束日期，精确到年月日，99991231 表示永久 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 企业经营地址 | corp\_business\_address | 变长 250 位 String| 必须 | 企业的经营地址，中文应使用 UTF-8 字符集 URLEncode 编码后传入 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 企业注册地址 | corp\_reg\_address | 变长 250 位 String| 必须 | 企业的注册地址，中文应使用 UTF-8 字符集 URLEncode 编码后传入 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 企业固定电话 | corp\_fixed\_telephone | 变长 15 位 String | 必须 | 企业的固定电话 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 经营范围 | business\_scope | 变长 600 位 String| 必须 | 企业的经营范围，中文应使用 UTF-8 字符集 URLEncode 编码后传入 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 控股股东（实际控制人） | controlling\_shareholder | 变长 600 位 String| 必须 | 企业的控股股东，中文应使用 UTF-8 字符集 URLEncode 编码后传入 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 法定代表人姓名 | legal\_name | 变长 50 位 String | 必须 | 企业的法人姓名，中文应使用 UTF-8 字符集 URLEncode 编码后传入 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 法人证件类型 | legal\_cert\_type | 定长 8 位 String | 必须 | 01020100：身份证； 01020101：护照； 01020102：军官证； 01020104：回乡证； 01020106：台胞证； 01020107：其他 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 法人证件号码 | legal\_cert\_id | 变长 20 位 String | 必须 | 法人的证件号码，与证件类型对应 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 法人证件起始日期 | legal\_cert\_start\_date | 定长 8 位 String | 必须 | 法定代表人的证件起始日期，精确到年月日 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 法人证件结束日期 | legal\_cert\_end\_date | 定长 8 位 String | 必须 | 法定代表人的证件结束日期，精确到年月日，99991231 表示永久 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 法定代表人手机号码 | legal\_mobile | 定长 11 位 String | 必须 | 法定代表人的手机号码 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 企业联系人姓名 | contact\_name | 变长 50 位 String | 必须 | 企业联系人的姓名，中文应使用 UTF-8 字符集 URLEncode 编码后传入 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 联系人手机号 | contact\_mobile | 定长 11 为 String | 必须 | 联系人的手机号码 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 联系人邮箱 | contact\_email | 变长 40 位 String | 必须 | 联系人的邮箱地址 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 开户银行账户名 | bank\_acct\_name | 变长 40 位 String | 必须 | 企业开户银行账户名，需与企业名称保持一致，中文应使用 UTF-8 字符集 URLEncode 编码后传入 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 开户银行 | bank\_id | 变长 8 位 String | 必须 | 具体见附件：充值/取现支持 银行列表及代号_ | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 开户银行账号 | bank\_acct\_no | 变长 32 位 String | 必须 | 企业开户银行账号 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 开户银行支行名称 | bank\_branch | 变长 100 位 String| 必须 | 企业开户银行的支行名称，中文应使用 UTF-8 字符集 URLEncode 编码后传入 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 开户银行省份 | bank\_prov | 变长 4 位 String | 必须 | 银行卡开户省份，具体见 城市行政区划代码_ | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 开户银行地区 | bank\_area | 定长 4 位 String | 必须 | 银行卡开户地区，具体见 城市行政区划代码_ | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户后台应答地址 | bg\_ret\_url | 变长 128 位 String| 必须 | 通过后台异步通知，商户应在应答接收的响应中输出 RECV_ORD_ID 字样的字符串，表明商户已经收到该笔交易结果。注意：1) URL 应使用 UTF-8 字符集 URLEncode 编码后传入 2) URL 中请不要包含特殊字符 3) 必须是外网地址 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 页面返回URL | ret\_url | 变长 128 位 String| 可选 | 交易完成后，本平台系统把交易结果通过页面方式，发送到该地址上。注意：1) URL 应使用 UTF-8 字符集 URLEncode 编码后传入 2）URL 中请不要包含特殊字符 3 )必须是外网地址 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 120 位 String| 可选 | 为商户的自定义字段，该字段在交易完成后由本平台原样返回。注意：如参数中包含中文，应对参数进行 Base64 加密后再使用 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 扩展域 | extension | 变长 512 位 String| 可选 | 用于扩展请求参数若需要进行二级商户号验证，则必传，格式：{"sub\_mer\_cust\_id":"111111111111"} 二级商户号由汇付生成，详见 二级商户录入接口_ | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +--------------------------+----------------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ 本接口加签拼接顺序： .. code:: java version+cmd_id+mer_cust_id+apply_id+order_date+order_id+operate_type+corp_license_type+corp_type+business_code+institution_code+tax_code+social_credit_code+license_start_date+license_end_date+corp_fixed_telephone+legal_cert_type+legal_cert_id+legal_mobile+legal_cert_start_date+legal_cert_end_date+contact_mobile+contact_email+bank_id+bank_acct_no+bank_prov+bank_area+bg_ret_url+ret_url+mer_priv+extension 返回参数列表 ~~~~~~~~~~~~ +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +====================+==================+===================+============+==================================================================================================================+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 102 | +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ | 应答返回码 | resp\_code | 定长 6 位 String | 必须 | 102000--调用成功 | +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ | 应答返回描述 | resp\_desc | 变长 String | 必须 | 返回码的对应中文描述，中文为 UTF-8 字符集 URLEncode 编码后的字符串，商户应解码获取原文 | +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ | 企业开户申请号 | apply\_id | 变长 20 位 String | 必须 | 由商户提供，申请企业开户的唯一标识 | +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 YYYYMMDD，例如：20160307 | +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 定长 20 位 String | 必须 | 由商户生成，必须保证唯一，20 位内数字或字母的组合 | +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ | 商户唯一标识号 | mer\_cust\_id | 变长 16 位 String | 必须 | 由汇付生成，商户的唯一标识号 | +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ | 用户唯一标识号 | user\_cust\_id | 变长 16 位 String | 可选 | 由汇付生成，用户的唯一标识号 | +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ | 子账户号 | acct\_id | 变长 9 位 String | 可选 | 由汇付生成，用户的默认子账户号 | +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ | 企业名称 | corp\_name | 变长 50 位 String | 必须 | 企业的全称，中文应使用 UTF-8 字符集 URLEncode 编码后传入 | +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ | 审核状态 | audit\_status | 定长 8 位 String | 必须 | 02000101：待审核； 02000102：审核中； 02000103：待资料修改； 02000104：审核通过； 02000105：审核不通过 | +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ | 审核状态描述 | audit\_desc | 变长 120 位 String| 可选 | 针对审核状态的详细说明 | +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ | 商户后台应答地址 | bg\_ret\_url | 变长 128 位 String| 必须 | 返参中的 URL 为 UTF-8 字符集 URLEncode 编码后的字符串，商户应解码获取原文 | +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ | 页面返回URL | ret\_url | 变长 128 位 String| 可选 | 返参中的 URL 为 UTF-8 字符集 URLEncode 编码后的字符串，商户应解码获取原文 | +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 120 位 String| 可选 | 为商户的自定义字段，该字段在交易完成后由本平台原样返回。注意：如参数中包含中文，应对参数进行 Base64 加密后再使用 | +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ | 返参扩展域 | extension | 变长 512 位 String| 可选 | 用于扩展请求参数 | +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +--------------------+------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------+ .. _企业用户开户返回码表 : user.html#id19 本接口加签拼接顺序： .. code:: java cmd_id+resp_code+apply_id+order_date+order_id+mer_cust_id+user_cust_id+acct_id+audit_status+bg_ret_url+ret_url+mer_priv+extension 代码示例 ~~~~~~~~ java .. code:: java String result = new String(); HttpClient client = new DefaultHttpClient(); HttpPost post = new HttpPost("https://finance.chinapnr.com/asharp/merchantRequest"); try { List nvps = new ArrayList(); nvps.add(new BasicNameValuePair("version", "10")); nvps.add(new BasicNameValuePair("cmd_id", "102")); nvps.add(new BasicNameValuePair("mer_cust_id", "6666000000000001")); nvps.add(new BasicNameValuePair("order_date", "20180327")); nvps.add(new BasicNameValuePair("order_id", "10000000001")); ....... post.setEntity(new UrlEncodedFormEntity(nvps)); HttpResponse httpResponse = client.execute(post); int code = httpResponse.getStatusLine().getStatusCode(); String returnStr = EntityUtils.toString(httpResponse.getEntity()); } catch (Exception e) { e.printStackTrace(); } 成功响应 .. code:: json 200 { "cmd_id": "102", "resp_code": "102000", "resp_desc": "交易成功", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 失败响应 .. code:: json 200 { "cmd_id": "102", "resp_code": "101003", "resp_desc": "交易失败", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 接口返回码 ~~~~~~~~~~ +------------------------------+----------------------------------------------------------------------------------------------+ | **返回参数** | **返回描述** | +------------------------------+----------------------------------------------------------------------------------------------+ | 102000 | 交易成功 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102099 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102100 | 请求参数非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102101 | 商户无此接口权限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102102 | 验证签名失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102103 | 商户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102202 | 交易订单号重复 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102300 | 该企业证照类型与证照号不匹配 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102301 | 该企业已开户 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102302 | 未查询到原开户申请号，不能修改 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102303 | 该企业开户申请号重复 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102304 | 该企业开户申请正在审核中，不能修改 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102305 | 该企业开户申请已被拒绝，不能修改 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102306 | 该企业开户申请已经通过，不能修改 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102307 | 该企业已有正在处理的开户申请或已开户成功 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102308 | 上传失败，文件大小超过5M | +------------------------------+----------------------------------------------------------------------------------------------+ | 102309 | 上传失败，不支持该文件格式 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102310 | 上传失败，文件数量超过限制 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102311 | 文件上传失败，请稍后重试 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102312 | 操作超时，请重试 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102313 | 文件信息不匹配 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102314 | 企业名称与开户银行账户名不相同 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102315 | 开户申请提交失败，数据异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102316 | 未查询到子帐户信息 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102317 | 文件数据异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102318 | 省份地区信息非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102800 | 风控信息验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102801 | 商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102802 | 用户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 102803 | 二级商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ 前台快捷绑卡 ------------ 接口功能说明 ~~~~~~~~~~~~ 前台快捷绑卡 调用方式：页面调用 应答方式：同步页面应答、异步应答 接口类型：异步 请求参数列表 ~~~~~~~~~~~~ +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +====================+=================+=====================+============+================================================================================================================================================================================================================================================+ | 版本号 | version | 定长 2 位 String | 必须 | 目前固定为 10 | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 116 | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 "yyyyMMdd" | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户的系统生成，订单号和订单日期保证唯一 | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 客户用户名 | user\_name | 变长 50 位 String | 必须 | 用户的真实姓名 | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 身份证号 | cert\_id | 定长 18 位 String | 必须 | 用户身份证号，目前仅支持身份证 | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行预留手机号 | card\_mobile | 变长 11 位 String | 必须 | 本次快捷绑卡待绑定的银行卡，在银行开户时的预留手机号，变长 11 位数字 | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 开户银行代号 | bank\_id | 变长 8 位 String | 必须 | 具体见附件：代扣充值支持银行列表_ | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡号 | card\_no | 变长 32 位 String | 必须 | 待绑定的银行卡号 | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 借贷标记 | dc\_flag | 定长 1 位 String | 必须 | D--借记，储蓄卡； C--贷记，信用卡 | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡开户省份 | card\_prov | 定长 4 位 String | 可选 | 银行卡开户省份 | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡开户地区 | card\_area | 定长 4 位 String | 可选 | 银行卡开户地区 | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户后台应答地址 | bg\_ret\_url | 变长 128 位的 String| 必须 | 通过后台异步通知，商户应在应答接收的响应中输出 RECV_ORD_ID 字样的字符串，表明商户已经收到该笔交易结果。注意：1) URL 应使用 UTF-8 字符集 URLEncode 编码后传入 2) URL 中请不要包含特殊字符 3) 必须是外网地址 | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 页面返回URL | ret\_url | 变长 128 位 String | 可选 | 交易完成后，本平台系统把交易结果通过页面方式，发送到该地址上。注意：1) URL 应使用 UTF-8 字符集 URLEncode 编码后传入 2）URL 中请不要包含特殊字符 3) 必须是外网地址 | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 120 位的 String| 可选 | 为商户的自定义字段，该字段在交易完成后由本平台原样返回。注意：如参数中包含中文，应对参数进行 Base64 加密后再使用。 | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 扩展域 | extension | 变长 512 位的 String| 可选 | 用于扩展请求参数若需要进行二级商户号验证，则必传，格式： {"sub\_mer\_cust\_id":"111111111111"} 二级商户号由汇付生成，详见 二级商户录入接口_ | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 页面类型 | page\_type | 定长 2 位 String | 可选 | 桌面端样式页面：00 移动端样式页面：10 默认桌面端样式 | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位的 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +--------------------+-----------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ 本接口加签拼接顺序： .. code:: java version+cmd_id+mer_cust_id+order_date+order_id+cert_id+card_mobile+bank_id+card_no+dc_flag+card_prov+card_area+bg_ret_url+ret_url+mer_priv+extension+page_type 返回参数列表 ~~~~~~~~~~~~ +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +========================+=====================+=====================+============+=======================================================================================+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 116 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 应答返回码 | resp\_code | 定长 6 位 String | 必须 | 116000--调用成功 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 应答返回描述 | resp\_desc | 变长 String | 必须 | 返回码的对应中文描述 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 已开户标识 | reg\_flag | 定长 8 位 String | 必须 | 00000000:新开户； 00000001:已开户 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 用户客户号 | user\_cust\_id | 定长 16 位 String | 可选 | 由汇付生成，用户的唯一性标识，成功时必返 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 用户账户号 | acct\_id | 变长 8 位 String | 可选 | 用户账户号新开户且成功时必返 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 "yyyyMMdd" | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户的系统生成，订单号和订单日期保证唯一 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 本平台交易唯一标识号 | platform\_seq\_id | 定长 18 位 String | 必须 | 组成规则：8 位本平台日期 +10 位系统流水号 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 手续费金额 | fee\_amt | 变长 14 位 String | 可选 | 手续费金额，格式为###.00 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 手续费子账户号 | fee\_acct\_id | 变长 9 位 String | 可选 | 手续费扣款子账户号 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 120 位的 String| 可选 | 为商户的自定义字段 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位的 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ .. _前台快捷绑卡返回码表 : user.html#id27 本接口加签拼接顺序： .. code:: java cmd_id+resp_code+mer_cust_id+reg_flag+user_cust_id+acct_id+order_date+order_id+platform_seq_id+fee_amt+fee_acct_id+mer_priv 代码示例 ~~~~~~~~ java .. code:: java String result = new String(); HttpClient client = new DefaultHttpClient(); HttpPost post = new HttpPost("https://finance.chinapnr.com/asharp/merchantRequest"); try { List nvps = new ArrayList(); nvps.add(new BasicNameValuePair("version", "10")); nvps.add(new BasicNameValuePair("cmd_id", "116")); nvps.add(new BasicNameValuePair("mer_cust_id", "6666000000000001")); nvps.add(new BasicNameValuePair("order_date", "20180327")); nvps.add(new BasicNameValuePair("order_id", "10000000001")); ....... post.setEntity(new UrlEncodedFormEntity(nvps)); HttpResponse httpResponse = client.execute(post); int code = httpResponse.getStatusLine().getStatusCode(); String returnStr = EntityUtils.toString(httpResponse.getEntity()); } catch (Exception e) { e.printStackTrace(); } 成功响应 .. code:: json 200 { "cmd_id": "116", "resp_code": "116000", "resp_desc": "交易成功", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 失败响应 .. code:: json 200 { "cmd_id": "116", "resp_code": "116003", "resp_desc": "交易失败", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 接口返回码 ~~~~~~~~~~ +------------------------------+----------------------------------------------------------------------------------------------+ | **返回参数** | **返回描述** | +------------------------------+----------------------------------------------------------------------------------------------+ | 116000 | 交易成功 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116002 | 请求已受理 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116003 | 交易失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116099 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116100 | 请求参数非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116101 | 商户无此接口权限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116102 | 验证签名失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116103 | 商户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116104 | 用户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116106 | 商户签名未配置 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116202 | 交易订单号重复 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116203 | 账户可用余额不足 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116204 | 商户配置异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116205 | 短信验证码验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116206 | 短信验证码发送手机号与验证手机号不一致 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116207 | 短信验证码或短信唯一标识为空 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116208 | 短信验证码已失效请重新获取 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116209 | 验证码发送接口与接口不一致 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116210 | 短信验证码发送过于频繁 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116211 | 短信验证码发送失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116216 | 页面已失效 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116300 | 该业务仅支持个人用户 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116301 | 不支持绑定该银行的银行卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116302 | 用户已绑定快捷卡，不能再绑定取现卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116303 | 银行卡号与银行不匹配 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116304 | 该银行卡非借记卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116306 | 用户已绑定快捷或代扣卡，请勿重复申请 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116307 | 用户有快捷卡正在绑定中，请勿重复绑卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116308 | 省份地区信息非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116320 | 该用户已开户，手机号已存在 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116400 | 银行账号无效或不存在 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116401 | 持卡人身份信息或手机号验证不符 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116402 | 卡号长度有误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116403 | 验证超时 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116404 | 账号应为活期账号 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116405 | 您的银行卡暂不支持该业务，请更换其他银行卡或咨询发卡银行 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116501 | 交易失败（包含未知错误码） | +------------------------------+----------------------------------------------------------------------------------------------+ | 116502 | 系统未开放或暂时关闭，请稍后再试 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116503 | 交易通讯超时，请发起查询交易 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116505 | 重复签约 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116512 | 重复交易 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116519 | 订单系统错误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116520 | 持卡人信息为空 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116521 | 持卡人信息有误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116522 | 持卡人系统错误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116523 | 卡信息为空 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116524 | 卡信息有误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116525 | 卡系统错误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116526 | 卡系统错误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116535 | 网关不支持签约交易 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116538 | 风险受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116560 | 交易失败，请联系发卡银行 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116561 | 对不起，您所输的银行卡号有误，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 116562 | 交易失败，发卡银行不支持该商户，请更换其他银行卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116563 | 卡状态不正确 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116565 | 输入的密码、有效期或 CVN2 有误，交易失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116566 | 持卡人身份信息或手机号输入不正确，验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116568 | 您的银行卡暂不支持该业务 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116571 | 对不起，你所输的验证码有误，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 116572 | 签约失败，您尚未在银行柜面或网银页面签约此业务，请去柜面或网银开通，或者拨打发卡行热线电话 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116573 | 对不起，您所输的用户名有误，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 116574 | 对不起，您的证件类型有误，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 116575 | 对不起，您所输的证件号码有误，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 116576 | 对不起，您所输的手机号码有误，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 116577 | 验证码发送失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116578 | 验证码超限或超时 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116579 | 对不起，您的用户信息未通过银行验证，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 116580 | 银行卡状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116590 | 交易失败，参数不合法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116591 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116592 | 银行系统繁忙，请稍后再试 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116593 | 系统超时 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116594 | 银行处理中，请稍后再试 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116599 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 1165F0 | 渠道交易失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 1165F2 | 交易失败，未添加白名单 | +------------------------------+----------------------------------------------------------------------------------------------+ | 1165F3 | 签约失败，请稍后再试 | +------------------------------+----------------------------------------------------------------------------------------------+ | 1165P0 | 交易挂起，需要确认 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116800 | 风控信息验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116801 | 商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116802 | 用户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 116803 | 二级商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ 后台快捷绑卡 ------------ 接口功能说明 ~~~~~~~~~~~~ 为未开户的用户开户的同时绑定快捷卡，或为已开户的用户绑定快捷卡 调用方式：后台调用 应答方式：同步后台应答、异步应答 接口类型：异步 请求参数列表 ~~~~~~~~~~~~ +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +====================+===================+=====================+============+==================================================================================================================================================================================================================================================+ | 版本号 | version | 定长 2 位 String | 必须 | 目前固定为 11 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 112 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 "yyyyMMdd" | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户的系统生成，订单号和订单日期保证唯一 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 用户客户号 | user\_cust\_id | 定长 16 位 String | 可选 | 由汇付生成，商户的唯一性标识条件可选：如用户已经开户，可选填该参数，如填写，接口会以该参数来辨识用户，不再匹配客户用户名和身份证号的正确性，但依然会校验参数格式；如不填写，接口会以客户用户名及身份证号匹配客户；如果用户未开户，请不填该参数 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 客户用户名 | user\_name | 变长 50 位 String | 可选 | 用户的真实姓名条件可选，条件参考用户客户号描述 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 身份证号 | cert\_id | 定长 18 位 String | 可选 | 用户身份证号，目前仅支持身份证条件可选，条件参考用户客户号描述 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行预留手机号 | card\_mobile | 变长 11 位 String | 必须 | 本次快捷绑卡待绑定的银行卡，在银行开户时的预留手机号，变长 11 位数字 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 开户银行代号 | bank\_id | 变长 8 位 String | 必须 | 具体见附件：代扣充值支持银行列表_ | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡号 | card\_no | 变长 32 位 String | 必须 | 待绑定的银行卡号 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 借贷标记 | dc\_flag | 定长 1 位 String | 必须 | D--借记，储蓄卡； C--贷记，信用卡 备注：本接口暂仅支持借记卡 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡开户省份 | card\_prov | 定长 4 位 String | 可选 | 银行卡开户省份 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡开户地区 | card\_area | 定长 4 位 String | 可选 | 银行卡开户地区 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 阶段标志 | step\_flag | 定长 2 位 String | 必须 | 01：验卡阶段 02：验证短信阶段 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 绑卡请求流水 | bind\_trans\_id | 变长 20 位 String | 必须 | 标志一个绑卡请求，商户下判断唯一，只能是数字和字母 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 短信验证码 | sms\_code | 定长 6 位 String | 可选 | 银行预留手机号对应的短信验证码，验证短信阶段必须 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户后台应答地址 | bg\_ret\_url | 变长 128 位的 String| 必须 | 通过后台异步通知，商户应在应答接收的响应中输出RECV\_ORD\_ID字样的字符串，表明商户已经收到该笔交易结果。注意：1) URL 应使用 UTF-8 字符集 URLEncode 编码后传入 2) URL 中请不要包含特殊字符 3) 必须是外网地址 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 120 位的 String| 可选 | 为商户的自定义字段，该字段在交易完成后由本平台原样返回。注意：如参数中包含中文，应对参数进行 Base64 加密后再使用。 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 扩展域 | extension | 变长 512 位的 String| 可选 | 用于扩展请求参数若需要进行二级商户号验证，则必传，格式：{"sub\_mer\_cust\_id":"111111111111"} 二级商户号由汇付生成，详见 二级商户录入接口_ | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位的 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +--------------------+-------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ 本接口加签拼接顺序： .. code:: java version+cmd_id+mer_cust_id+order_date+order_id+user_cust_id+cert_id+bank_id+card_no+card_mobile+dc_flag+card_prov+card_area+step_flag+bind_trans_id+sms_code+bg_ret_url+mer_priv+extension 返回参数列表 ~~~~~~~~~~~~ +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +========================+=====================+=====================+============+=======================================================================================+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 112 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 应答返回码 | resp\_code | 定长 6 位 String | 必须 | 112000--调用成功 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 应答返回描述 | resp\_desc | 变长 String | 必须 | 返回码的对应中文描述 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 已开户标识 | reg\_flag | 定长 8 位 String | 必须 | 00000000:新开户； 00000001:已开户 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 用户客户号 | user\_cust\_id | 定长 16 位 String | 可选 | 由汇付生成，用户的唯一性标识，成功时必返 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 用户账户号 | acct\_id | 变长 8 位 String | 可选 | 用户账户号新开户且成功时必返 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 "yyyyMMdd" | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户的系统生成，订单号和订单日期保证唯一 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 本平台交易唯一标识号 | platform\_seq\_id | 定长 18 位 String | 必须 | 组成规则：8 位本平台日期+10 位系统流水号 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 手续费金额 | fee\_amt | 变长 14 位 String | 可选 | 手续费金额，格式为###.00 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 手续费子账户号 | fee\_acct\_id | 变长 9 位 String | 可选 | 手续费扣款子账户号 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 120 位的 String| 可选 | 为商户的自定义字段 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位的 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ .. _后台快捷绑卡返回码表 : user.html#id35 本接口加签拼接顺序： .. code:: java cmd_id+resp_code+mer_cust_id+reg_flag+user_cust_id+acct_id+order_date+order_id+platform_seq_id+fee_amt+fee_acct_id+mer_priv 代码示例 ~~~~~~~~ java .. code:: java String result = new String(); HttpClient client = new DefaultHttpClient(); HttpPost post = new HttpPost("https://finance.chinapnr.com/asharp/merchantRequest"); try { List nvps = new ArrayList(); nvps.add(new BasicNameValuePair("version", "10")); nvps.add(new BasicNameValuePair("cmd_id", "112")); nvps.add(new BasicNameValuePair("mer_cust_id", "6666000000000001")); nvps.add(new BasicNameValuePair("order_date", "20180327")); nvps.add(new BasicNameValuePair("order_id", "10000000001")); ....... post.setEntity(new UrlEncodedFormEntity(nvps)); HttpResponse httpResponse = client.execute(post); int code = httpResponse.getStatusLine().getStatusCode(); String returnStr = EntityUtils.toString(httpResponse.getEntity()); } catch (Exception e) { e.printStackTrace(); } 成功响应 .. code:: json 200 { "cmd_id": "112", "resp_code": "112000", "resp_desc": "交易成功", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 失败响应 .. code:: json 200 { "cmd_id": "112", "resp_code": "112003", "resp_desc": "交易失败", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 接口返回码 ~~~~~~~~~~ +------------------------------+----------------------------------------------------------------------------------------------+ | **返回参数** | **返回描述** | +------------------------------+----------------------------------------------------------------------------------------------+ | 112000 | 交易成功 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112002 | 请求已受理 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112003 | 交易失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112099 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112100 | 请求参数非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112101 | 商户无此接口权限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112102 | 验证签名失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112103 | 商户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112104 | 用户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112106 | 商户签名未配置 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112201 | 页面数据被篡改 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112202 | 交易订单号重复 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112203 | 账户可用余额不足 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112204 | 商户配置异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112205 | 短信验证码验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112206 | 短信验证码发送手机号与验证手机号不一致 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112207 | 短信验证码或短信唯一标识为空 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112208 | 短信验证码已失效请重新获取 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112209 | 验证码发送接口与接口不一致 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112210 | 短信验证码发送过于频繁 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112211 | 短信验证码发送失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112300 | 该业务仅支持个人用户 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112301 | 不支持绑定该银行的银行卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112302 | 用户已绑定快捷卡，不能再绑定取现卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112303 | 银行卡号与银行不匹配 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112304 | 该银行卡非借记卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112306 | 用户已绑定快捷或代扣卡，请勿重复申请 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112307 | 用户有快捷卡正在绑定中，请勿重复绑卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112308 | 省份地区信息非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112320 | 该用户已开户，手机号已存在 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112400 | 银行账号无效或不存在 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112401 | 持卡人身份信息或手机号验证不符 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112402 | 卡号长度有误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112403 | 验证超时 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112404 | 账号应为活期账号 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112405 | 您的银行卡暂不支持该业务，请更换其他银行卡或咨询发卡银行 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112501 | 交易失败（包含未知错误码） | +------------------------------+----------------------------------------------------------------------------------------------+ | 112502 | 系统未开放或暂时关闭，请稍后再试 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112503 | 交易通讯超时，请发起查询交易 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112505 | 重复签约 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112512 | 重复交易 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112519 | 订单系统错误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112520 | 持卡人信息为空 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112521 | 持卡人信息有误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112522 | 持卡人系统错误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112523 | 卡信息为空 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112524 | 卡信息有误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112525 | 卡系统错误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112526 | 卡系统错误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112535 | 网关不支持签约交易 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112538 | 风险受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112560 | 交易失败，请联系发卡银行 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112561 | 对不起，您所输的银行卡号有误，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 112562 | 交易失败，发卡银行不支持该商户，请更换其他银行卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112563 | 卡状态不正确 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112565 | 输入的密码、有效期或 CVN2 有误，交易失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112566 | 持卡人身份信息或手机号输入不正确，验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112568 | 您的银行卡暂不支持该业务 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112571 | 对不起，你所输的验证码有误，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 112572 | 签约失败，您尚未在银行柜面或网银页面签约此业务，请去柜面或网银开通，或者拨打发卡行热线电话 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112573 | 对不起，您所输的用户名有误，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 112574 | 对不起，您的证件类型有误，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 112575 | 对不起，您所输的证件号码有误，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 112576 | 对不起，您所输的手机号码有误，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 112577 | 验证码发送失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112578 | 验证码超限或超时 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112579 | 对不起，您的用户信息未通过银行验证，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 112580 | 银行卡状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112590 | 交易失败，参数不合法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112591 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112592 | 银行系统繁忙，请稍后再试 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112593 | 系统超时 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112594 | 银行处理中，请稍后再试 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112599 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 1125F0 | 渠道交易失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 1125F2 | 交易失败，未添加白名单 | +------------------------------+----------------------------------------------------------------------------------------------+ | 1125F3 | 签约失败，请稍后再试 | +------------------------------+----------------------------------------------------------------------------------------------+ | 1125P0 | 交易挂起，需要确认 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112800 | 风控信息验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112801 | 商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112802 | 用户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 112803 | 二级商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ 前台代扣绑卡 ------------ 接口功能说明 ~~~~~~~~~~~~ 前台代扣绑卡 调用方式：页面调用 应答方式：同步页面应答、异步应答 接口类型：异步 请求参数列表 ~~~~~~~~~~~~ +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +====================+======================+=====================+============+====================================================================================================================================================================+ | 版本号 | version | 定长 2 位 String | 必须 | 目前固定为 10 | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 117 | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 "yyyyMMdd" | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户的系统生成，订单号和订单日期保证唯一 | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 产品编号 | product\_id | 变长 20 位 String | 可选 | 对应产品录入中产品 ID | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 产品订单号 | product\_order\_id | 变长 20 位 String | 可选 | 由商户的系统生成，本次签约的产品订单号，产品订单号保证唯一 | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 开户名 | user\_name | 变长 50 位 String | 必须 | 用户的真实姓名 | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 身份证号 | cert\_id | 定长 18 位 String | 必须 | 用户身份证号 | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 开户银行代号 | bank\_id | 变长 8 位 String | 必须 | 具体见附件：代扣充值支持银行列表_ | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡号 | card\_no | 变长 32 位 String | 必须 | 待绑定的银行卡号 | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 借贷标记 | dc\_flag | 定长 1 位 String | 必须 | D--借记，储蓄卡； C--贷记，信用卡注：本接口暂仅支持借记卡 | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行预留手机号 | card\_mobile | 变长 11 位 String | 必须 | 银行开户时的预留手机号 | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡开户省份 | card\_prov | 定长 4 位 String | 可选 | 银行卡开户省份 | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡开户地区 | card\_area | 定长 4 位 String | 可选 | 银行卡开户地区 | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 页面返回URL | ret\_url | 变长 128 位 String | 可选 | 交易完成后本平台系统把交易结果通过页面方式，发送到该地址上。注意：1) URL 应使用 UTF-8 字符集 URLEncode 编码后传入 2）URL 中请不要包含特殊字符 3) 必须是外网地址 | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户后台应答地址 | bg\_ret\_url | 变长 128 位的 String| 必须 | 后台异步通知商户开户结果 | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 120 位的 String| 可选 | 为商户的自定义字段 | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 扩展域 | extension | 变长 512 位的 String| 可选 | 用于扩展请求参数若需要进行二级商户号验证，则必传，格式：{"sub\_mer\_cust\_id":"111111111111"} 二级商户号由汇付生成，详见 二级商户录入接口_ | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 页面类型 | page\_type | 定长 2 位 String | 可选 | 桌面端样式页面：00； 移动端样式页面：10 默认桌面端样式 | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位的 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +--------------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------------------------------------------------------+ 本接口加签拼接顺序： .. code:: java version+cmd_id+mer_cust_id+order_date+order_id+product_id+product_order_id+cert_id+bank_id+card_no+dc_flag+card_mobile+card_prov+card_area+ret_url+bg_ret_url+mer_priv+extension+page_type 返回参数列表 ~~~~~~~~~~~~ +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +========================+=====================+=====================+============+=======================================================================================+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 117 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 应答返回码 | resp\_code | 定长 6 位 String | 必须 | 117000--调用成功 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 应答返回描述 | resp\_desc | 变长 String | 必须 | 返回码的对应中文描述 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 用户客户号 | user\_cust\_id | 定长 16 位 String | 可选 | 由汇付生成，用户的唯一性标识 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 用户账户号 | acct\_id | 变长 8 位 String | 可选 | 用户账户号 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 "yyyyMMdd" | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户的系统生成，订单号和订单日期保证唯一 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 本平台交易唯一标识号 | platform\_seq\_id | 定长 18 位 String | 必须 | 组成规则：8 位本平台日期+10 位系统流水号 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 开户标识 | reg\_flag | 定长 8 位 String | 必须 | 00000000:新开户； 00000001:已开户 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 手续费金额 | fee\_amt | 变长 14 位 String | 可选 | 手续费金额，格式为 ###.00 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 手续费子账户号 | fee\_acct\_id | 变长 9 位 String | 可选 | 手续费扣款子账户号 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 商户后台应答地址 | bg\_ret\_url | 变长 128 位 String | 必须 | 返参中的 URL 为 UTF-8 字符集 URLEncode 编码后的字符串，商户应解码获取原文 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 页面返回URL | ret\_url | 变长 128 位 String | 可选 | 交易完成后，本平台系统把交易结果通过页面方式，发送到该地址上 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 120 位的 String| 可选 | 为商户的自定义字段 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 扩展域 | extension | 变长 512 位的 String| 可选 | 用于扩展请求参数 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位的 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +------------------------+---------------------+---------------------+------------+---------------------------------------------------------------------------------------+ .. _前台代扣绑卡返回码表 : user.html#id43 本接口加签拼接顺序： .. code:: java cmd_id+resp_code+mer_cust_id+user_cust_id+acct_id+order_date+order_id+platform_seq_id+reg_flag+fee_amt+fee_acct_id+ret_url_bg_ret_url+mer_priv+extension 代码示例 ~~~~~~~~ java .. code:: java String result = new String(); HttpClient client = new DefaultHttpClient(); HttpPost post = new HttpPost("https://finance.chinapnr.com/asharp/merchantRequest"); try { List nvps = new ArrayList(); nvps.add(new BasicNameValuePair("version", "10")); nvps.add(new BasicNameValuePair("cmd_id", "117")); nvps.add(new BasicNameValuePair("mer_cust_id", "6666000000000001")); nvps.add(new BasicNameValuePair("order_date", "20180327")); nvps.add(new BasicNameValuePair("order_id", "10000000001")); ....... post.setEntity(new UrlEncodedFormEntity(nvps)); HttpResponse httpResponse = client.execute(post); int code = httpResponse.getStatusLine().getStatusCode(); String returnStr = EntityUtils.toString(httpResponse.getEntity()); } catch (Exception e) { e.printStackTrace(); } 成功响应 .. code:: json 200 { "cmd_id": "117", "resp_code": "117000", "resp_desc": "交易成功", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 失败响应 .. code:: json 200 { "cmd_id": "117", "resp_code": "117003", "resp_desc": "交易失败", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 接口返回码 ~~~~~~~~~~ +------------------------------+----------------------------------------------------------------------------------------------+ | **返回参数** | **返回描述** | +------------------------------+----------------------------------------------------------------------------------------------+ | 117000 | 交易成功 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117002 | 请求已受理 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117003 | 交易失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117099 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117100 | 请求参数非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117101 | 商户无此接口权限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117102 | 验证签名失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117103 | 商户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117104 | 用户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117105 | 账户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117106 | 商户签名未配置 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117201 | 页面数据被篡改 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117202 | 交易订单号重复 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117203 | 账户可用余额不足 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117204 | 商户配置异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117205 | 短信验证码验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117206 | 短信验证码发送手机号与验证手机号不一致 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117207 | 短信验证码或短信唯一标识为空 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117208 | 短信验证码已失效请重新获取 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117209 | 验证码发送接口与接口不一致 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117210 | 短信验证码发送过于频繁 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117211 | 短信验证码发送失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117300 | 该业务仅支持个人用户执行 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117301 | 不支持绑定该银行的银行卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117303 | 银行卡号与银行不匹配 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117304 | 该银行卡非借记卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117308 | 省份地区信息非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117309 | 代扣签约只支持个人用户 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117310 | 产品信息校验失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117311 | 手续费子账户配置异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117312 | 企业用户/商户不支持代扣绑卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117316 | 手机号与已绑定卡记录不匹配 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117318 | 用户已绑定代扣卡，请勿重复申请 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117319 | 用户有代扣卡正在绑定中，请勿重复绑卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117320 | 手机号已注册 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117400 | 银行账号无效或不存在 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117401 | 持卡人身份信息或手机号验证不符 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117402 | 卡号长度有误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117403 | 验证超时 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117404 | 账号应为活期账号 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117405 | 您的银行卡暂不支持该业务，请更换其他银行卡或咨询发卡银行 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117501 | 交易失败（包含未知错误码） | +------------------------------+----------------------------------------------------------------------------------------------+ | 117502 | 系统未开放或暂时关闭，请稍后再试 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117503 | 交易通讯超时，请发起查询交易 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117505 | 重复签约 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117512 | 重复交易 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117519 | 订单系统错误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117520 | 持卡人信息为空 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117521 | 持卡人信息有误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117522 | 持卡人系统错误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117523 | 卡信息为空 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117524 | 卡信息有误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117525 | 卡系统错误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117526 | 卡系统错误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117535 | 网关不支持签约交易 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117538 | 风险受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117560 | 交易失败，请联系发卡银行 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117561 | 对不起，您所输的银行卡号有误，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 117562 | 交易失败，发卡银行不支持该商户，请更换其他银行卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117563 | 卡状态不正确 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117565 | 输入的密码、有效期或 CVN2 有误，交易失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117566 | 持卡人身份信息或手机号输入不正确，验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117568 | 您的银行卡暂不支持该业务 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117572 | 签约失败，您尚未在银行柜面或网银页面签约此业务，请去柜面或网银开通，或者拨打发卡行热线电话 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117573 | 对不起，您所输的用户名有误，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 117574 | 对不起，您的证件类型有误，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 117575 | 对不起，您所输的证件号码有误，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 117576 | 对不起，您所输的手机号码有误，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 117577 | 验证码发送失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117578 | 验证码超限或超时 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117579 | 对不起，您的用户信息未通过银行验证，请核实后再试！ | +------------------------------+----------------------------------------------------------------------------------------------+ | 117580 | 银行卡状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117590 | 交易失败，参数不合法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117591 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117592 | 银行系统繁忙，请稍后再试 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117593 | 系统超时 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117594 | 银行处理中，请稍后再试 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117599 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 1175F0 | 渠道交易失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 1175F2 | 交易失败，未添加白名单 | +------------------------------+----------------------------------------------------------------------------------------------+ | 1175F3 | 签约失败，请稍后再试 | +------------------------------+----------------------------------------------------------------------------------------------+ | 1175P0 | 交易挂起，需要确认 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117800 | 风控信息验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117801 | 商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117802 | 用户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 117803 | 二级商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ 后台代扣绑卡 ------------ 接口功能说明 ~~~~~~~~~~~~ 用于代扣卡绑定和代扣订单签约，可支持多张代扣卡绑定，若绑定签约成功，即同时为用户开设专属账户 调用方式：后台调用 应答方式：同步后台应答、异步应答 接口类型：异步 请求参数列表 ~~~~~~~~~~~~ +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +====================+======================+=====================+============+================================================================================================================================================================================================================+ | 版本号 | version | 定长 2 位 String | 必须 | 目前固定为 11 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 109 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 用户客户号 | user\_cust\_id | 定长 16 位 String | 可选 | 由汇付生成，商户的唯一性标识 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 "yyyyMMdd" | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户的系统生成，订单号和订单日期保证唯一 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 产品编号 | product\_id | 变长 20 位 String | 必须 | 对应产品录入中产品 ID | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 产品订单号 | product\_order\_id | 变长 20 位 String | 必须 | 由商户的系统生成，本次签约的产品订单号，产品订单号保证唯一 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 开户名 | user\_name | 变长 50 位 String | 必须 | 用户的真实姓名 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 身份证号 | cert\_id | 定长 18 位 String | 必须 | 用户身份证号 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 开户银行代号 | bank\_id | 变长 8 位 String | 必须 | 具体见附件：代扣充值支持银行列表_ | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡号 | card\_no | 变长 32 位 String | 必须 | 待绑定的银行卡号 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 借贷标记 | dc\_flag | 定长 1 位 String | 必须 | D--借记，储蓄卡； C--贷记，信用卡 备注：本接口暂仅支持借记卡 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行预留手机号 | card\_mobile | 变长 11 位 String | 必须 | 银行开户时的预留手机号 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡开户省份 | card\_prov | 定长 4 位 String | 可选 | 银行卡开户省份 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡开户地区 | card\_area | 定长 4 位 String | 可选 | 银行卡开户地区 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 阶段标志 | step\_flag | 定长 2 位 String | 必须 | 01：验卡阶段；02：验证短信阶段 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 短信验证码 | sms\_code | 定长 6 位 String | 可选 | 与本次绑卡时的银行预留手机号对应的短信验证码 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 绑卡请求流水 | bind\_trans\_id | 定长 20 位 String | 必须 | 标志一个绑卡请求，商户下判断唯一，只能是数字和字母 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户后台应答地址 | bg\_ret\_url | 变长 128 位的 String| 必须 | 通过后台异步通知，商户应在应答接收的响应中输出RECV_ORD\_ID字样的字符串，表明商户已经收到该笔交易结果。注意：1) URL 应使用 UTF-8 字符集 URLEncode 编码后传入 2) URL 中请不要包含特殊字符 3) 必须是外网地址 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 120 位的 String| 可选 | 为商户的自定义字段 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 扩展域 | extension | 变长 512 位的 String| 可选 | 用于扩展请求参数若需要进行二级商户号验证，则必传，格式：{"sub\_mer\_cust\_id":"111111111111"} 二级商户号由汇付生成 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位的 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +--------------------+----------------------+---------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ 本接口加签拼接顺序： .. code:: java version+cmd_id+mer_cust_id+user_cust_id+order_date+order_id+product_id+product_order_id+cert_id+bank_id+card_no+dc_flag+card_mobile+card_prov+card_area+step_flag+sms_code+bind_trans_id+bg_ret_url+mer_priv+extension 返回参数列表 ~~~~~~~~~~~~ +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +========================+======================+=====================+============+=======================================================================================+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为109 | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 应答返回码 | resp\_code | 定长 6 位 String | 必须 | 109000--调用成功 | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 应答返回描述 | resp\_desc | 变长 String | 必须 | 返回码的对应中文描述 | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 用户客户号 | user\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，用户的唯一性标识 | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 用户账户号 | acct\_id | 变长 8 位 String | 可选 | 用户账户号 | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 "yyyyMMdd" | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户的系统生成，订单号和订单日期保证唯一 | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 产品编号 | product\_id | 变长 20 位 String | 必须 | 对应订单录入中产品 ID | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 产品订单号 | product\_order\_id | 变长 20 位 String | 必须 | 本次签约的产品订单号 | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 本平台交易唯一标识号 | platform\_seq\_id | 定长 18 位 String | 必须 | 组成规则：8 位本平台日期+10 位系统流水号 | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 开户标识 | reg\_flag | 定长 8 位 String | 必须 | 00000000:新开户； 00000001:已开户 | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 开户银行代号 | bank\_id | 变长 8 位 String | 必须 | 对应产品录入中产品ID | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 银行卡号 | card\_no | 变长 32 位 String | 必须 | 待绑定的银行卡卡号 | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 手续费金额 | fee\_amt | 变长 14 位 String | 可选 | 手续费金额，格式为###.00 | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 手续费子账户号 | fee\_acct\_id | 变长 9 位 String | 可选 | 手续费扣款子账户号 | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 商户后台应答地址 | bg\_ret\_url | 变长 128 位的 String| 必须 | 后台异步通知商户开户结果 | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 120 位的 String| 可选 | 为商户的自定义字段 | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 扩展域 | extension | 变长 512 位的 String| 可选 | 用于扩展请求参数 | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位的 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +------------------------+----------------------+---------------------+------------+---------------------------------------------------------------------------------------+ .. _后台代扣绑卡返回码表 : user.html#id50 本接口加签拼接顺序： .. code:: java cmd_id+resp_code+mer_cust_id+user_cust_id+acct_id+order_date+order_id+product_id+product_order_id+platform_seq_id+reg_flag+bank_id+card_no+fee_amt+fee_acct_id+bg_ret_url+mer_priv+extension 代码示例 ~~~~~~~~ java .. code:: java String result = new String(); HttpClient client = new DefaultHttpClient(); HttpPost post = new HttpPost("https://finance.chinapnr.com/asharp/merchantRequest"); try { List nvps = new ArrayList(); nvps.add(new BasicNameValuePair("version", "11")); nvps.add(new BasicNameValuePair("cmd_id", "109")); nvps.add(new BasicNameValuePair("mer_cust_id", "6666000000000001")); nvps.add(new BasicNameValuePair("order_date", "20180327")); nvps.add(new BasicNameValuePair("order_id", "10000000001")); ....... post.setEntity(new UrlEncodedFormEntity(nvps)); HttpResponse httpResponse = client.execute(post); int code = httpResponse.getStatusLine().getStatusCode(); String returnStr = EntityUtils.toString(httpResponse.getEntity()); } catch (Exception e) { e.printStackTrace(); } 成功响应 .. code:: json 200 { "cmd_id": "109", "resp_code": "109000", "resp_desc": "交易成功", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 失败响应 .. code:: json 200 { "cmd_id": "109", "resp_code": "109003", "resp_desc": "交易失败", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 接口返回码 ~~~~~~~~~~ +------------------------------+----------------------------------------------------------------------------------------------+ | **返回参数** | **返回描述** | +------------------------------+----------------------------------------------------------------------------------------------+ | 109000 | 交易成功 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109002 | 请求已受理 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109003 | 交易失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109099 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109100 | 请求参数非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109101 | 商户无此接口权限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109102 | 验证签名失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109103 | 商户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109104 | 用户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109105 | 账户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109106 | 商户签名未配置 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109201 | 页面数据被篡改 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109202 | 交易订单号重复 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109203 | 账户可用余额不足 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109204 | 商户配置异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109205 | 短信验证码验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109206 | 短信验证码发送手机号与验证手机号不一致 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109207 | 短信验证码或短信唯一标识为空 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109208 | 短信验证码已失效请重新获取 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109209 | 验证码发送接口与接口不一致 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109210 | 短信验证码发送过于频繁 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109211 | 短信验证码发送失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109301 | 不支持绑定该银行的银行卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109303 | 银行卡号与银行不匹配 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109304 | 该银行卡非借记卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109308 | 省份地区信息非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109309 | 代扣签约只支持个人用户 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109310 | 产品信息校验失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109311 | 手续费子账户配置异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109312 | 企业用户/商户不支持代扣绑卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109318 | 用户已绑定代扣卡，请勿重复申请 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109319 | 用户有代扣卡正在绑定中，请勿重复绑卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109400 | 银行账号无效或不存在 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109401 | 持卡人身份信息或手机号验证不符 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109402 | 卡号长度有误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109403 | 验证超时 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109404 | 账号应为活期账号 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109405 | 您的银行卡暂不支持该业务，请更换其他银行卡或咨询发卡银行 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109800 | 风控信息验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109801 | 商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109802 | 用户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 109803 | 二级商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ 取现绑卡 -------- 接口功能说明 ~~~~~~~~~~~~ 用于绑定取现银行卡，以便用于用户取现 调用方式：后台调用 应答方式：同步后台应答、异步应答 接口类型：混合 请求参数列表 ~~~~~~~~~~~~ +------------------+------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +==================+==================+===================+============+================================================================================================================================================================================================================+ | 版本号 | version | 定长 2 位 String | 必须 | 目前固定为 10 | +------------------+------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 104 | +------------------+------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户唯一标识号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +------------------+------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 用户唯一标识号 | user\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，用户的唯一性标识 | +------------------+------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 YYYYMMDD，例如：20160307 | +------------------+------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户生成，必须保证唯一，20 位内数字或字母的组合 | +------------------+------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行代号 | bank\_id | 变长 8 位 String | 必须 | 具体见附件：取现支持银行列表_ | +------------------+------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡号 | card\_no | 变长 32 位 String | 必须 | 本次取现绑卡待绑定的银行卡号 | +------------------+------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 借贷标记 | dc\_flag | 定长 1 位 String | 必须 | D--借记，储蓄卡； C--贷记，信用卡 备注：本接口暂仅支持借记卡 | +------------------+------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡开户省份 | card\_prov | 定长 4 位 String | 可选 | 本次取现绑卡待绑定的银行卡开户省份 | +------------------+------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡开户地区 | card\_area | 定长 4 位 String | 可选 | 本次取现绑卡待绑定的银行卡开户地区 | +------------------+------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 是否默认取现卡 | is\_default | 定长 8 位 String | 必须 | 00000000：非默认取现卡； 00000001：默认取现卡用户首次绑卡时，无论传任何值，绑定成功后都会设置为默认取现卡；用户已有默认取现卡时，新绑定默认取现卡会替换掉原有默认取现卡 | +------------------+------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 后台返回地址 | bg\_ret\_url | 变长 128 位 String| 必须 | 通过后台异步通知，商户应在应答接收的响应中输出RECV\_ORD_ID字样的字符串，表明商户已经收到该笔交易结果，注意：1) URL 应使用 UTF-8 字符集 URLEncode 编码后传入；2) URL 中请不要包含特殊字符 3) 必须是外网地址 | +------------------+------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 128 位 String| 可选 | 为商户的自定义字段，该字段在交易完成后由本平台原样返回。注意：如参数中包含中文，应对参数进行 Base64 加密后再使用 | +------------------+------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 扩展域 | extension | 变长 512 位 String| 可选 | 用于扩展请求参数若需要进行二级商户号验证，则必传，格式：{"sub\_mer\_cust\_id":"111111111111"} 二级商户号由汇付生成，详见 二级商户录入接口_ | +------------------+------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +------------------+------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ 本接口加签拼接顺序： .. code:: java version+cmd_id+mer_cust_id+user_cust_id+order_date+order_id+bank_id+card_no+dc_flag+card_prov+card_area+is_default+bg_ret_url+mer_priv+extension 返回参数列表 ~~~~~~~~~~~~ +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +========================+=====================+===================+============+========================================================================================================================================================================+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 104 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 应答返回码 | resp\_code | 定长 6 位 String | 必须 | 104000--调用成功 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 应答返回描述 | resp\_desc | 变长 String | 必须 | 返回码的对应中文描述，中文为 UTF-8 字符集 URLEncode 编码后的字符串，商户应解码获取原文 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户唯一标识号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 用户唯一标识号 | user\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，用户的唯一性标识 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为YYYYMMDD，例如：20160307 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户生成，必须保证唯一，20 位内数字或字母的组合 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 本平台交易唯一标识号 | platform\_seq\_id | 定长 18 位 String | 可选 | 组成规则：8 位本平台日期 +10 位系统流水号 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行代号 | bank\_id | 变长 8 位 String | 必须 | 具体见附件：取现支持银行列表_ | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡号 | card\_no | 变长 32 位 String | 必须 | 本次取现绑卡待绑定的银行卡号 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 借贷标记 | dc\_flag | 定长 1 位 String | 必须 | D-- 借记，储蓄卡； C-- 贷记，信用卡 备注：本接口暂仅支持借记卡 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡开户省份 | card\_prov | 定长 4 位 String | 可选 | 本次取现绑卡待绑定的银行卡开户省份，绑定对公账户时必选 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡开户地区 | card\_area | 定长 4 位 String | 可选 | 本次取现绑卡待绑定的银行卡开户地区，绑定对公账户时必选 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 是否默认取现卡 | is\_default | 定长 8 位 String | 必须 | 00000000：非默认取现卡 00000001：默认取现卡用户首次绑卡时，无论传任何值，绑定成功后都会设置为默认取现卡；用户已有默认取现卡时，新绑定默认取现卡会替换掉原有默认取现卡 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 手续费金额 | fee\_amt | 变长 14 位 String | 可选 | 手续费金额，格式为 ###.00 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 手续费子账户号 | fee\_acct\_id | 变长 9 位 String | 可选 | 手续费扣款子账户号 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 后台返回地址 | bg\_ret\_url | 变长 128 位 String| 必须 | 返参中的 URL 为 UTF-8 字符集 URLEncode 编码后的字符串，商户应解码获取原文 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 128 位 String| 可选 | 为商户的自定义字段，该字段在交易完成后由本平台原样返回。注意：如参数中包含中文，应对参数进行 Base64 加密后再使用 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 扩展域 | extension | 变长 512 位 String| 可选 | 用于扩展请求参数 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +------------------------+---------------------+-------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ .. _取现绑卡返回码表 : user.html#id57 本接口加签拼接顺序： .. code:: java cmd_id+resp_code+mer_cust_id+user_cust_id+order_date+order_id+platform_seq_id+bank_id+card_no+dc_flag+card_prov+card_area+is_default+fee_amt+fee_acct_id+bg_ret_url+mer_priv+extension 代码示例 ~~~~~~~~ java .. code:: java String result = new String(); HttpClient client = new DefaultHttpClient(); HttpPost post = new HttpPost("https://finance.chinapnr.com/asharp/merchantRequest"); try { List nvps = new ArrayList(); nvps.add(new BasicNameValuePair("version", "10")); nvps.add(new BasicNameValuePair("cmd_id", "104")); nvps.add(new BasicNameValuePair("mer_cust_id", "6666000000000001")); nvps.add(new BasicNameValuePair("order_date", "20180327")); nvps.add(new BasicNameValuePair("order_id", "10000000001")); ....... post.setEntity(new UrlEncodedFormEntity(nvps)); HttpResponse httpResponse = client.execute(post); int code = httpResponse.getStatusLine().getStatusCode(); String returnStr = EntityUtils.toString(httpResponse.getEntity()); } catch (Exception e) { e.printStackTrace(); } 成功响应 .. code:: json 200 { "cmd_id": "104", "resp_code": "101000", "resp_desc": "交易成功", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 失败响应 .. code:: json 200 { "cmd_id": "104", "resp_code": "104003", "resp_desc": "交易失败", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 接口返回码 ~~~~~~~~~~ +------------------------------+----------------------------------------------------------------------------------------------+ | **返回参数** | **返回描述** | +------------------------------+----------------------------------------------------------------------------------------------+ | 104000 | 交易成功 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104002 | 请求已受理 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104003 | 交易失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104099 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104100 | 请求参数非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104101 | 商户无此接口权限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104102 | 验证签名失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104103 | 商户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104104 | 用户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104106 | 商户签名未配置 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104202 | 交易订单号重复 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104203 | 账户可用余额不足 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104204 | 商户配置异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104301 | 不支持绑定该银行的银行卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104302 | 用户已绑定快捷或代扣卡，不能再绑定取现卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104303 | 银行卡号与银行不匹配 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104304 | 该银行卡非借记卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104305 | 企业用户/商户不支持快捷绑卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104306 | 用户已绑定快捷或代扣卡，请勿重复申请 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104307 | 用户有快捷或代扣卡正在绑定中，请勿重复绑卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104308 | 省份地区信息非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104800 | 风控信息验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104801 | 商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104802 | 用户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 104803 | 二级商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ 解绑快捷/代扣卡 --------------- 接口功能说明 ~~~~~~~~~~~~ 用于解绑快捷或代扣卡 调用方式：后台调用 应答方式：同步后台应答、异步应答 接口类型：混合 请求参数列表 ~~~~~~~~~~~~ +--------------------+--------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +====================+====================+===================+============+================================================================================================================================================================================================================+ | 版本 | version | 定长 2 位 String | 必须 | 目前固定为 10 | +--------------------+--------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 接口标识 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 105 | +--------------------+--------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +--------------------+--------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 用户客户号 | user\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，用户的唯一性标识 | +--------------------+--------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 YYYYMMDD，例如：20160307 | +--------------------+--------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户生成，必须保证唯一，20 位内数字或字母的组合 | +--------------------+--------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行代码 | bank\_id | 定长 8 位 String | 必须 | 具体见附件：快捷充值支持银行列表_ | +--------------------+--------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡号 | card\_no | 变长 32 位 String | 必须 | 银行卡号 | +--------------------+--------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 银行卡预留手机号 | card\_mobile | 变长 11 位 String | 必须 | 银行卡预留手机号 | +--------------------+--------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 短信验证码日期 | sms\_order\_date | 定长 8 位 String | 可选 | 与sms\_code对应的验证码发送订单日期 | +--------------------+--------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 短信验证码订单号 | sms\_order\_id | 变长 20 位 String | 可选 | 与sms\_code对应的验证码发送订单号 | +--------------------+--------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 短信验证码 | sms\_code | 定长 6 位 String | 可选 | 短信验证码，测试环境调试时可以使用666666通过验证。 | +--------------------+--------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户后台应答地址 | bg\_ret\_url | 变长 128 位 String| 必须 | 通过后台异步通知，商户应在应答接收的响应中输出 RECV_ORD_ID 字样的字符串，表明商户已经收到该笔交易结果。注意：1) URL 应使用 UTF-8 字符集 URLEncode 编码后传入 2) URL 中请不要包含特殊字符 3) 必须是外网地址 | +--------------------+--------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 120 位 String| 可选 | 为商户的自定义字段，该字段在交易完成后由本平台原样返回。注意：如参数中包含中文，应对参数进行 Base64 加密后再使用 | +--------------------+--------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 扩展域 | extension | 变长 512 位 String| 可选 | 用于扩展请求参数若需要进行二级商户号验证，则必传，格式：{"sub\_mer\_cust\_id":"111111111111"} 二级商户号由汇付生成，详见 二级商户录入接口_ | +--------------------+--------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +--------------------+--------------------+-------------------+------------+----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ 本接口加签拼接顺序： .. code:: java version+cmd_id+mer_cust_id+user_cust_id+order_date+order_id+bank_id+card_no+card_mobile+sms_code+sms_order_date+sms_order_id+bg_ret_url+mer_priv+extension 返回参数列表 ~~~~~~~~~~~~ +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +====================+====================+===================+============+====================================================================================================================+ | 接口标识 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 105 | +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 应答返回码 | resp\_code | 定长 6 位 String | 必须 | 105000--调用成功 | +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 应答描述 | resp\_desc | 变长 String | 必须 | 返回码的对应中文描述，中文为 UTF-8 字符集 URLEncode 编码后的字符串，商户应解码获取原文 | +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 用户客户号 | user\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，用户的唯一性标识 | +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 YYYYMMDD，例如：20160307 | +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户生成，必须保证唯一，20 位内数字或字母的组合 | +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 银行代码 | bank\_id | 定长 8 位 String | 必须 | 具体见附件：快捷充值支持银行列表_ | +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 银行卡号 | card\_no | 变长 32 位 String | 必须 | 银行卡号 | +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 银行卡预留手机号 | card\_mobile | 变长 11 位 String | 必须 | 银行卡预留手机号 | +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 短信验证码日期 | sms\_order\_date | 定长 8 位 String | 可选 | 与sms\_code 对应的验证码发送订单日期 | +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 短信验证码订单号 | sms\_order\_id | 变长 20 位 String | 可选 | 与sms\_code 对应的验证码发送订单号 | +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 短信验证码 | sms\_code | 定长 6 位 String | 必须 | 短信验证码 | +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 商户后台应答地址 | bg\_ret\_url | 变长 128 位 String| 必须 | 返参中的 URL 为 UTF-8 字符集 URLEncode 编码后的字符串，商户应解码获取原文 | +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长120 位 String | 可选 | 为商户的自定义字段，该字段在交易完成后由本平台原样返回。注意：如参数中包含中文，应对参数进行 Base64 加密后再使用。 | +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 返参扩展域 | extension | 变长 512 位 String| 可选 | 用于扩展请求参数 | +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +--------------------+--------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ .. _解绑卡返回码表 : user.html#id64 本接口加签拼接顺序： .. code:: java cmd_id+resp_code+mer_cust_id+user_cust_id+order_date+order_id+bank_id+card_no+card_mobile+sms_code+sms_order_date+sms_order_id+bg_ret_url+mer_priv+extension 代码示例 ~~~~~~~~ java .. code:: java String result = new String(); HttpClient client = new DefaultHttpClient(); HttpPost post = new HttpPost("https://finance.chinapnr.com/asharp/merchantRequest"); try { List nvps = new ArrayList(); nvps.add(new BasicNameValuePair("version", "10")); nvps.add(new BasicNameValuePair("cmd_id", "105")); nvps.add(new BasicNameValuePair("mer_cust_id", "6666000000000001")); nvps.add(new BasicNameValuePair("order_date", "20180327")); nvps.add(new BasicNameValuePair("order_id", "10000000001")); ....... post.setEntity(new UrlEncodedFormEntity(nvps)); HttpResponse httpResponse = client.execute(post); int code = httpResponse.getStatusLine().getStatusCode(); String returnStr = EntityUtils.toString(httpResponse.getEntity()); } catch (Exception e) { e.printStackTrace(); } 成功响应 .. code:: json 200 { "cmd_id": "105", "resp_code": "105000", "resp_desc": "交易成功", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 失败响应 .. code:: json 200 { "cmd_id": "105", "resp_code": "105003", "resp_desc": "交易失败", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 接口返回码 ~~~~~~~~~~ +------------------------------+----------------------------------------------------------------------------------------------+ | **返回参数** | **返回描述** | +------------------------------+----------------------------------------------------------------------------------------------+ | 105000 | 交易成功 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105002 | 请求已受理 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105099 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105100 | 请求参数非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105101 | 商户无此接口权限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105102 | 验证签名失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105103 | 商户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105104 | 用户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105205 | 短信验证码验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105206 | 短信验证码发送手机号与验证手机号不一致 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105207 | 短信验证码或短信唯一标识为空 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105208 | 短信验证码已失效请重新获取 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105209 | 验证码发送接口与接口不一致 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105300 | 短信验证码有误 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105301 | 用户未绑定过该卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105302 | 非代扣或快捷卡，不能解绑 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105303 | 订单重复 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105304 | 用户基本信息不存在 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105305 | 验证卡信息失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105800 | 风控信息验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105801 | 商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105802 | 用户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 105803 | 二级商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ 删除取现卡 ---------- 接口功能说明 ~~~~~~~~~~~~ 用于个人用户、企业用户和商户删除非默认取现卡 调用方式：后台调用 应答方式：同步后台应答、异步应答 接口类型：同步 请求参数列表 ~~~~~~~~~~~~ +--------------------+------------------+---------------------+------------+-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +====================+==================+=====================+============+=================================================================================================================================================================================================================+ | 版本号 | version | 定长 2 位 String | 必须 | 固定为10，如版本升级，能向前兼容 | +--------------------+------------------+---------------------+------------+-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为108 | +--------------------+------------------+---------------------+------------+-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +--------------------+------------------+---------------------+------------+-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 用户客户号 | user\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，用户的唯一性标识 | +--------------------+------------------+---------------------+------------+-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 YYYYMMDD，例如：20160307 | +--------------------+------------------+---------------------+------------+-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户生成，必须保证唯一，20 位内数字或字母的组合 | +--------------------+------------------+---------------------+------------+-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 开户银行卡号 | card\_no | 变长 32 位 String | 必须 | 本次删除取现卡待删除的银行卡号，不可为用户默认取现卡 | +--------------------+------------------+---------------------+------------+-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户后台应答地址 | bg\_ret\_url | 变长 128 位的 String| 必须 | 通过后台异步通知，商户应在应答接收的响应中输出 RECV_ORD_ID 字样的字符串，表明商户已经收到该笔交易结果。注意：1) URL 应使用 UTF-8 字符集 URLEncode 编码后传入 2) URL 中请不要包含特殊字符 3) 必须是外网地址 | +--------------------+------------------+---------------------+------------+-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 128 位的 String| 必须 | 为商户的自定义字段，该字段在交易完成后由本平台原样返回。注意：如参数中包含中文，应对参数进行 Base64 加密后再使用。 | +--------------------+------------------+---------------------+------------+-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 入参扩展域 | extension | 变长 512 位的 String| 可选 | 用于扩展请求参数若需要进行二级商户号验证，则必传，格式：{"sub\_mer\_cust\_id":"111111111111"} 二级商户号由汇付生成，详见 二级商户录入接口_ | +--------------------+------------------+---------------------+------------+-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位的 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +--------------------+------------------+---------------------+------------+-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ 本接口加签拼接顺序： .. code:: java version+cmd_id+mer_cust_id+user_cust_id+order_date+order_id+card_no+bg_ret_url+mer_priv+extension 返回参数列表 ~~~~~~~~~~~~ +------------------------+---------------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +========================+=====================+=====================+============+========================================================================================================================================================================================================================+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为108 | +------------------------+---------------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 应答返回码 | resp\_code | 定长 6 位 String | 必须 | 108000--调用成功 | +------------------------+---------------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 应答返回描述 | resp\_desc | 变长 String | 必须 | 返回码的对应中文描述，中文为 UTF-8 字符集 URLEncode 编码后的字符串，商户应解码获取原文 | +------------------------+---------------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +------------------------+---------------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 用户客户号 | user\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，用户的唯一性标识 | +------------------------+---------------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 YYYYMMDD，例如：20160307 | +------------------------+---------------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户生成，必须保证唯一，20 位内数字或字母的组合 | +------------------------+---------------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 本平台交易唯一标识号 | platform\_seq\_id | 定长 18 位 String | 可选 | 组成规则：8 位本平台日期+10 位系统流水号 | +------------------------+---------------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 开户银行卡号 | card\_no | 变长 32 位 String | 必须 | 本次删除取现卡待删除的银行卡号，不可为用户默认取现卡 | +------------------------+---------------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户后台应答地址 | bg\_ret\_url | 变长 128 位的 String| 必须 | 通过后台异步通知，商户应在应答接收的响应中输出 RECV_ORD_ID 字样的字符串，表明商户已经收到该笔交易结果。注意：1) URL 应使用 UTF-8 字符集 URLEncode 编码后传入 2) URL 中请不要包含特殊字符 3) 必须是外网地址 | +------------------------+---------------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 128 位的 String| 必须 | 为商户的自定义字段，该字段在交易完成后由本平台原样返回。注意：如参数中包含中文，应对参数进行 Base64 加密后再使用。 | +------------------------+---------------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 入参扩展域 | extension | 变长 512 位的 String| 可选 | 用于扩展请求参数 | +------------------------+---------------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位的 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +------------------------+---------------------+---------------------+------------+------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ .. _删除取现卡返回码表 : user.html#id57 本接口加签拼接顺序： .. code:: java cmd_id+resp_code+mer_cust_id+user_cust_id+order_date+order_id+platform_seq_id+card_no+bg_ret_url+ mer_priv+ extension 代码示例 ~~~~~~~~ java .. code:: java String result = new String(); HttpClient client = new DefaultHttpClient(); HttpPost post = new HttpPost("https://finance.chinapnr.com/asharp/merchantRequest"); try { List nvps = new ArrayList(); nvps.add(new BasicNameValuePair("version", "10")); nvps.add(new BasicNameValuePair("cmd_id", "108")); nvps.add(new BasicNameValuePair("mer_cust_id", "6666000000000001")); nvps.add(new BasicNameValuePair("order_date", "20180327")); nvps.add(new BasicNameValuePair("order_id", "10000000001")); ....... post.setEntity(new UrlEncodedFormEntity(nvps)); HttpResponse httpResponse = client.execute(post); int code = httpResponse.getStatusLine().getStatusCode(); String returnStr = EntityUtils.toString(httpResponse.getEntity()); } catch (Exception e) { e.printStackTrace(); } 成功响应 .. code:: json 200 { "cmd_id": "108", "resp_code": "108000", "resp_desc": "交易成功", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 失败响应 .. code:: json 200 { "cmd_id": "108", "resp_code": "108003", "resp_desc": "交易失败", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 接口返回码 ~~~~~~~~~~ +------------------------------+----------------------------------------------------------------------------------------------+ | **返回参数** | **返回描述** | +------------------------------+----------------------------------------------------------------------------------------------+ | 108000 | 交易成功 | +------------------------------+----------------------------------------------------------------------------------------------+ | 108003 | 交易失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 108099 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 108100 | 请求参数非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 108101 | 商户无此接口权限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 108102 | 验证签名失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 108103 | 商户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 108104 | 用户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 108106 | 商户签名未配置 | +------------------------------+----------------------------------------------------------------------------------------------+ | 108202 | 交易订单号重复 | +------------------------------+----------------------------------------------------------------------------------------------+ | 108204 | 商户配置异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 108300 | 银行卡不是取现卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 108301 | 不能操作默认取现卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 108302 | 银行卡不存在或状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 108800 | 风控信息验证失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 108801 | 商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 108802 | 用户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 108803 | 二级商户接口调用风控受限 | +------------------------------+----------------------------------------------------------------------------------------------+ 短信验证码发送 -------------- 接口功能说明 ~~~~~~~~~~~~ 用于个人用户开户、解绑快捷卡、快捷充值和后台快捷绑卡接口发送短信验证码 调用方式：后台调用 应答方式：同步后台应答 接口类型：同步 请求参数列表 ~~~~~~~~~~~~ +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +==============+==================+===================+============+=======================================================================================+ | 版本号 | version | 定长 2 位 String | 必须 | 固定为10，如版本升级，能向前兼容 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 110 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 用户客户号 | user\_cust\_id | 定长 16 位 String | 可选 | 由汇付生成，用户的唯一性标识注：快捷充值短信发送必传 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 YYYYMMDD，例如：20160307 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户生成，必须保证唯一，20 位内数字或字母的组合 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 业务类型 | business\_type | 定长 3 位 String | 必须 | 101：用户开户； 105：解绑快捷卡；113：后台快捷绑卡；201：快捷充值 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 用户手机号 | user\_mobile | 定长 11 位 String | 必须 | 待接收短信验证码的手机号 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 签名 | check\_value | 定长 256 位 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ 本接口加签拼接顺序： .. code:: java version+cmd_id+mer_cust_id+user_cust_id+order_date+order_id+business_type+user_mobile 返回参数列表 ~~~~~~~~~~~~ +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +==============+==================+===================+============+=======================================================================================+ | 消息类型 | cmd\_id | 定长 3 位Sring | 必须 | 每一种消息类型代表一种交易，此处为 110 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 返回码 | resp\_code | 定长 6 位 String | 必须 | 110000--调用成功 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 结果描述 | resp\_desc | 变长 String | 必须 | 返回码的对应中文描述 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 用户客户号 | user\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，用户的唯一性标识 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 YYYYMMDD，例如：20160307 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户生成，必须保证唯一，20 位内数字或字母的组合 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 业务类型 | business\_type | 定长 3 位 String | 必须 | 101：用户开户；105：解绑快捷卡；201：快捷充值 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 用户手机号 | user\_mobile | 定长 11 位 String | 必须 | 待接收短信验证码的手机号 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ | 签名 | check\_value | 定长 256 位 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +--------------+------------------+-------------------+------------+---------------------------------------------------------------------------------------+ .. _短信验证码发送返回码表 : user.html#id63 本接口加签拼接顺序： .. code:: java cmd_id+resp_code+mer_cust_id+user_cust_id+order_date+order_id+business_type+user_mobile 代码示例 ~~~~~~~~ java .. code:: java String result = new String(); HttpClient client = new DefaultHttpClient(); HttpPost post = new HttpPost("https://finance.chinapnr.com/asharp/merchantRequest"); try { List nvps = new ArrayList(); nvps.add(new BasicNameValuePair("version", "10")); nvps.add(new BasicNameValuePair("cmd_id", "110")); nvps.add(new BasicNameValuePair("mer_cust_id", "6666000000000001")); nvps.add(new BasicNameValuePair("order_date", "20180327")); nvps.add(new BasicNameValuePair("order_id", "10000000001")); ....... post.setEntity(new UrlEncodedFormEntity(nvps)); HttpResponse httpResponse = client.execute(post); int code = httpResponse.getStatusLine().getStatusCode(); String returnStr = EntityUtils.toString(httpResponse.getEntity()); } catch (Exception e) { e.printStackTrace(); } 成功响应 .. code:: json 200 { "cmd_id": "110", "resp_code": "110000", "resp_desc": "交易成功", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 失败响应 .. code:: json 200 { "cmd_id": "110", "resp_code": "110003", "resp_desc": "交易失败", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 接口返回码 ~~~~~~~~~~ +------------------------------+----------------------------------------------------------------------------------------------+ | **返回参数** | **返回描述** | +------------------------------+----------------------------------------------------------------------------------------------+ | 110000 | 交易成功 | +------------------------------+----------------------------------------------------------------------------------------------+ | 110003 | 交易失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 110099 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 110100 | 请求参数非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 110101 | 商户无此接口权限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 110102 | 验证签名失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 110103 | 商户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 110104 | 用户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 110106 | 商户签名未配置 | +------------------------------+----------------------------------------------------------------------------------------------+ | 110202 | 交易订单号重复 | +------------------------------+----------------------------------------------------------------------------------------------+ | 110204 | 商户配置异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 110210 | 短信验证码发送过于频繁 | +------------------------------+----------------------------------------------------------------------------------------------+ | 110211 | 短信验证码发送失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 110301 | 短信验证码发送开关已关闭 | +------------------------------+----------------------------------------------------------------------------------------------+ | 110304 | 快捷充值短信验证码发送失败，用户还未绑定快捷卡 | +------------------------------+----------------------------------------------------------------------------------------------+ | 110305 | 非快捷绑卡银行预留手机号 | +------------------------------+----------------------------------------------------------------------------------------------+ 二级商户录入 ------------ 接口功能说明 ~~~~~~~~~~~~ 二级商户录入 调用方式：后台调用 应答方式：同步后台应答、异步应答 接口类型：同步+异步 请求参数列表 ~~~~~~~~~~~~ +--------------------+------------------------+---------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +====================+========================+=====================+============+===============================================================================================================================================================================================================+ | 版本号 | version | 定长 2 位 String | 是 | 目前固定为 10 | +--------------------+------------------------+---------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 消息类型 | cmd\_id | 定长 3 位 String | 是 | 每一种消息类型代表一种交易，此处为 114 | +--------------------+------------------------+---------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 是 | 格式为 YYYYMMDD，例如：20160307 | +--------------------+------------------------+---------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长20 位 String | 是 | 由商户生成，必须保证唯一，20 位内数字或字母的组合 | +--------------------+------------------------+---------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 是 | 由汇付生成，商户的唯一性标识 | +--------------------+------------------------+---------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 二级商户名 | sub\_mer\_cust\_name | 变长 50 位 String | 是 | 二级商户名称，中文应使用 UTF-8 字符集 URLEncode 编码后传入 | +--------------------+------------------------+---------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户后台应答地址 | bg\_ret\_url | 变长 128 位的 String| 是 | 通过后台异步通知，商户应在应答接收的响应中输出 RECV_ORD_ID 字样的字符串，表明商户已经收到该笔交易结果。注意：1) URL 应使用 UTF-8 字符集 URLEncode 编码后传入 2) URL 中请不要包含特殊字符 3) 必须是外网地址 | +--------------------+------------------------+---------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 120 位的 String| 否 | 为商户的自定义字段，该字段在交易完成后由本平台原样返回。注意：如参数中包含中文，应对参数进行 Base64 加密后再使用。 | +--------------------+------------------------+---------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 入参扩展域 | extension | 变长 512 位的 String| 否 | 用于扩展请求参数 | +--------------------+------------------------+---------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位的 String| 是 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +--------------------+------------------------+---------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ 本接口加签拼接顺序： .. code:: java version+cmd_id+mer_cust_id+order_date+order_id+cert_id+card_mobile+bank_id+card_no+dc_flag+card_prov+card_area+bg_ret_url+ret_url+mer_priv+extension+page_type 返回参数列表 ~~~~~~~~~~~~ +----------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +================+======================+=====================+============+====================================================================================================================+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 114 | +----------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 应答返回码 | resp\_code | 定长 6 位 String | 必须 | 114000--调用成功 | +----------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 应答返回描述 | resp\_desc | 变长 String | 必须 | 返回码的对应中文描述 | +----------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +----------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 二级商户号 | sub\_mer\_cust\_id | 变长 20 位 String | 可选 | 二级商户号，20 位内数字或字母的组合，录入成功（返回码：114000）时必返 | +----------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 YYYYMMDD，例如：20160307 | +----------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户生成，必须保证唯一，20 位内数字或字母的组合 | +----------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 平台流水号 | platform\_seq\_id | 定长 18 位 String | 可选 | 组成规则：8 位本平台日期+10 位系统流水号，录入成功（返回码：114000）时必返 | +----------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 120 位的 String| 可选 | 为商户的自定义字段，该字段在交易完成后由本平台原样返回。注意：如参数中包含中文，应对参数进行 Base64 加密后再使用。 | +----------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位的 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +----------------+----------------------+---------------------+------------+--------------------------------------------------------------------------------------------------------------------+ .. _二级商户录入返回码表 : user.html#id69 本接口加签拼接顺序： .. code:: java cmd_id+resp_code+mer_cust_id+sub_mer_cust_id+order_date+order_id+platform_seq_id+mer_priv`` 代码示例 ~~~~~~~~ java .. code:: java String result = new String(); HttpClient client = new DefaultHttpClient(); HttpPost post = new HttpPost("https://finance.chinapnr.com/asharp/merchantRequest"); try { List nvps = new ArrayList(); nvps.add(new BasicNameValuePair("version", "10")); nvps.add(new BasicNameValuePair("cmd_id", "114")); nvps.add(new BasicNameValuePair("mer_cust_id", "6666000000000001")); nvps.add(new BasicNameValuePair("order_date", "20180327")); nvps.add(new BasicNameValuePair("order_id", "10000000001")); ....... post.setEntity(new UrlEncodedFormEntity(nvps)); HttpResponse httpResponse = client.execute(post); int code = httpResponse.getStatusLine().getStatusCode(); String returnStr = EntityUtils.toString(httpResponse.getEntity()); } catch (Exception e) { e.printStackTrace(); } 成功响应 .. code:: json 200 { "cmd_id": "114", "resp_code": "114000", "resp_desc": "交易成功", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 失败响应 .. code:: json 200 { "cmd_id": "114", "resp_code": "114003", "resp_desc": "交易失败", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 接口返回码 ~~~~~~~~~~ +------------------------------+----------------------------------------------------------------------------------------------+ | **返回参数** | **返回描述** | +------------------------------+----------------------------------------------------------------------------------------------+ | 114000 | 交易成功 | +------------------------------+----------------------------------------------------------------------------------------------+ | 114099 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 114100 | 请求参数非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 114101 | 商户无此接口权限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 114102 | 验证签名失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 114103 | 商户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 114215 | 二级商户名已存在 | +------------------------------+----------------------------------------------------------------------------------------------+ 产品录入 -------- 接口功能说明 ~~~~~~~~~~~~ 用于商户产品信息录入后进行入库动作，主要用于商户代扣时进行订单金额风控限制及后续其他监管需求 调用方式：后台调用 应答方式：同步后台应答、异步应答 接口类型：同步+异步 请求参数列表 ~~~~~~~~~~~~ +--------------------+------------------------+-------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +====================+========================+===================+============+===================================================================================================================================================================================================+ | 版本号 | version | 定长 2 位 String | 必须 | 目前固定为 10 | +--------------------+------------------------+-------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 消息类型 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 204 | +--------------------+------------------------+-------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +--------------------+------------------------+-------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 YYYYMMDD，例如：20160307 | +--------------------+------------------------+-------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户生成，必须保证唯一，20 位内数字或字母的组合 | +--------------------+------------------------+-------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 产品ID | product\_id | 变长 20 位 String | 必须 | 由商户提供，产品的唯一标识，20 位内数字或字母的组合 | +--------------------+------------------------+-------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 产品总金额 | product\_amt | 变长 14 位 String | 必须 | 产品总金额，格式为###.00 | +--------------------+------------------------+-------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 产品期数 | product\_periods | 变长 14 位 String | 必须 | 产品的期数 | +--------------------+------------------------+-------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 产品开始时间 | product\_start\_time | 定长 14 位 String | 必须 | 产品开始时间 | +--------------------+------------------------+-------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 产品结束时间 | product\_end\_time | 定长 14 位 String | 必须 | 产品结束时间 | +--------------------+------------------------+-------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 产品所在地 | product\_location | 定长 4 位 String | 必须 | 产品的所在地 | +--------------------+------------------------+-------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户后台应答地址 | bg\_ret\_url | 变长 128 位 String| 必须 | 通过后台异步通知，商户应在应答接收的响应中输出 RECV_ORD_ID 字样的字符串，表明商户已经收到该笔交易结果。 | +--------------------+------------------------+-------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 120 位 String| 可选 | 为商户的自定义字段，该字段在交易完成后由本平台原样返回。注意：如参数中包含中文，应对参数进行 Base64 加密后再使用。 | +--------------------+------------------------+-------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 入参扩展域 | extension | 变长 512 位 String| 可选 | 用于扩展请求参数 | +--------------------+------------------------+-------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +--------------------+------------------------+-------------------+------------+---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+ 本接口加签拼接顺序： .. code:: java version+cmd_id+mer_cust_id+order_date+order_id+product_id+product_amt+product_periods+product_start_time+product_end_time+product_location+bg_ret_url+mer_priv+extension 返回参数列表 ~~~~~~~~~~~~ +--------------------+------------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 中文名 | 参数名 | 数据格式 | 是否必须 | 说明 | +====================+========================+===================+============+====================================================================================================================+ | 接口标识 | cmd\_id | 定长 3 位 String | 必须 | 每一种消息类型代表一种交易，此处为 204 | +--------------------+------------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 应答返回码 | resp\_code | 定长 6 位 String | 必须 | 204000--调用成功 | +--------------------+------------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 应答描述 | resp\_desc | 变长 String | 必须 | 返回码的对应中文描述，中文为 UTF-8 字符集 URLEncode 编码后的字符串，商户应解码获取原文 | +--------------------+------------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 商户客户号 | mer\_cust\_id | 定长 16 位 String | 必须 | 由汇付生成，商户的唯一性标识 | +--------------------+------------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 订单日期 | order\_date | 定长 8 位 String | 必须 | 格式为 YYYYMMDD，例如：20160307 | +--------------------+------------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 订单号 | order\_id | 变长 20 位 String | 必须 | 由商户生成，必须保证唯一，20 位内数字或字母的组合 | +--------------------+------------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 产品ID | product\_id | 变长 20 位 String | 必须 | 由商户提供，产品的唯一标识 | +--------------------+------------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 产品总金额 | product\_amt | 变长 14 位 String | 必须 | 产品总金额，格式为 ###.00 | +--------------------+------------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 产品期数 | product\_periods | 变长 14 位 String | 必须 | 产品的期数 | +--------------------+------------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 产品开始时间 | product\_start\_time | 变长 14 位 String | 必须 | 产品开始时间 | +--------------------+------------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 产品结束时间 | product\_end\_time | 变长 14 位 String | 必须 | 产品结束时间 | +--------------------+------------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 产品所在地 | product\_location | 定长 4 位 String | 必须 | 产品的所在地 | +--------------------+------------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 商户后台应答地址 | bg\_ret\_url | 变长 128 位 String| 必须 | 返参中的 URL 为 UTF-8字符集 URLEncode 编码后的字符串，商户应解码获取原文 | +--------------------+------------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 商户私有域 | mer\_priv | 变长 128 位 String| 可选 | 为商户的自定义字段，该字段在交易完成后由本平台原样返回。注意：如参数中包含中文，应对参数进行 Base64 加密后再使用。 | +--------------------+------------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 返参扩展域 | extension | 变长 512 位 String| 可选 | 用于扩展请求参数 | +--------------------+------------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ | 签名 | check\_value | 变长 256 位 String| 必须 | 加签规则：Base64 将参数列表的值按从上到下的顺序进行字符串拼接，调用签名函数获得的值 | +--------------------+------------------------+-------------------+------------+--------------------------------------------------------------------------------------------------------------------+ .. _产品录入返回码表 : user.html#id75 本接口加签拼接顺序： .. code:: java cmd_id+resp_code+mer_cust_id+order_date+order_id+product_id+product_amt+product_periods+product_start_time+product_end_time+product_location+bg_ret_url+mer_priv+extension 代码示例 ~~~~~~~~ java .. code:: java String result = new String(); HttpClient client = new DefaultHttpClient(); HttpPost post = new HttpPost("https://finance.chinapnr.com/asharp/merchantRequest"); try { List nvps = new ArrayList(); nvps.add(new BasicNameValuePair("version", "10")); nvps.add(new BasicNameValuePair("cmd_id", "204")); nvps.add(new BasicNameValuePair("mer_cust_id", "6666000000000001")); nvps.add(new BasicNameValuePair("order_date", "20180327")); nvps.add(new BasicNameValuePair("order_id", "10000000001")); ....... post.setEntity(new UrlEncodedFormEntity(nvps)); HttpResponse httpResponse = client.execute(post); int code = httpResponse.getStatusLine().getStatusCode(); String returnStr = EntityUtils.toString(httpResponse.getEntity()); } catch (Exception e) { e.printStackTrace(); } 成功响应 .. code:: json 200 { "cmd_id": "204", "resp_code": "204000", "resp_desc": "交易成功", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 失败响应 .. code:: json 200 { "cmd_id": "204", "resp_code": "204003", "resp_desc": "交易失败", "mer_cust_id" : "6666000000000001", "order_date": "20180327", "order_id": "10000000001", ....... } 接口返回码 ~~~~~~~~~~ +------------------------------+----------------------------------------------------------------------------------------------+ | **返回参数** | **返回描述** | +------------------------------+----------------------------------------------------------------------------------------------+ | 204000 | 交易成功 | +------------------------------+----------------------------------------------------------------------------------------------+ | 204099 | 系统异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 204100 | 请求参数非法 | +------------------------------+----------------------------------------------------------------------------------------------+ | 204101 | 商户无此接口权限 | +------------------------------+----------------------------------------------------------------------------------------------+ | 204102 | 验证签名失败 | +------------------------------+----------------------------------------------------------------------------------------------+ | 204103 | 商户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 204104 | 用户状态异常 | +------------------------------+----------------------------------------------------------------------------------------------+ | 204300 | 项目信息或订单信息重复 | +------------------------------+----------------------------------------------------------------------------------------------+ | 204301 | 项目开始时间晚于或等于项目结束时间 | +------------------------------+----------------------------------------------------------------------------------------------+ .. _二级商户录入接口 : user.html#id72 .. _银行列表及代号 : appindix.html#id2 .. _城市行政区划代码 : appindix.html#id9 .. _取现支持银行列表 : appindix.html#id7 .. _快捷充值支持银行列表 : appindix.html#id5 .. _代扣充值支持银行列表 : appindix.html#id6