wechatpay.im

主题模式

事前-风险商户核查接口 ​

为了提升特约商户录入质量，发现并及时中止特约商户风险交易行为，现面向银行服务商开放风险商户数据，支持银行在录入商户前提前核查商户风险、了解风险交易、并且将风险处理结果同步微信支付。用于服务商/银行准入商户时，根据身份证，银行卡号，营业执照等信息查询商户是否有风险。

请求参数类型描述
securitytrue声明加载商户API证书
xmlobject声明请求的XML数据结构
mch_idstring服务商号
cert_serial_numberstring平台证书序列号
certificates_numberstring身份证号（需加密）
certificates_namestring身份证所有人姓名（需加密）
settlement_card_nostring结算账号（需加密）
settlement_card_namestring结算户名（需加密）
settlement_card_bankstring结算银行
business_license_numberstring营业执照编号（需加密）
company_namestring公司名称
store_addressstring门店地址
store_longitudestring门店经度
store_latitudestring门店纬度
sign_typestring签名类型
HMAC-SHA256 枚举值
php
$instance->v2->mchrisk->querymchrisk->postAsync([
  'security' => true,
  'xml' => [
    'mch_id'                  => '1900000109',
    'cert_serial_number'      => 'XXXXX',
    'certificates_number'     => '8609cb22e1774a50a930e414cc71eca06121bcd266335cda230d24a7886a8d9f',
    'certificates_name'       => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'settlement_card_no'      => '8609cb22e1774a50a930e414cc71eca06121bcd266335cda230d24a7886a8d9f',
    'settlement_card_name'    => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'settlement_card_bank'    => '招商银行科技园支行',
    'business_license_number' => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'company_name'            => 'XXXXX有限公司',
    'store_address'           => '广东省深圳市南山区深南大道10000号',
    'store_longitude'         => '22.5461478801',
    'store_latitude'          => '113.9410519639',
    'sign_type'               => 'HMAC-SHA256',
  ],
])
->then(static function(\Psr\Http\Message\ResponseInterface $response) {
  print_r(\WeChatPay\Transformer::toArray((string) $response->getBody()));
})
->wait();
php
$instance->chain('v2/mchrisk/querymchrisk')->postAsync([
  'security' => true,
  'xml' => [
    'mch_id'                  => '1900000109',
    'cert_serial_number'      => 'XXXXX',
    'certificates_number'     => '8609cb22e1774a50a930e414cc71eca06121bcd266335cda230d24a7886a8d9f',
    'certificates_name'       => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'settlement_card_no'      => '8609cb22e1774a50a930e414cc71eca06121bcd266335cda230d24a7886a8d9f',
    'settlement_card_name'    => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'settlement_card_bank'    => '招商银行科技园支行',
    'business_license_number' => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'company_name'            => 'XXXXX有限公司',
    'store_address'           => '广东省深圳市南山区深南大道10000号',
    'store_longitude'         => '22.5461478801',
    'store_latitude'          => '113.9410519639',
    'sign_type'               => 'HMAC-SHA256',
  ],
])
->then(static function(\Psr\Http\Message\ResponseInterface $response) {
  print_r(\WeChatPay\Transformer::toArray((string) $response->getBody()));
})
->wait();
php
$instance['v2/mchrisk/querymchrisk']->postAsync([
  'security' => true,
  'xml' => [
    'mch_id'                  => '1900000109',
    'cert_serial_number'      => 'XXXXX',
    'certificates_number'     => '8609cb22e1774a50a930e414cc71eca06121bcd266335cda230d24a7886a8d9f',
    'certificates_name'       => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'settlement_card_no'      => '8609cb22e1774a50a930e414cc71eca06121bcd266335cda230d24a7886a8d9f',
    'settlement_card_name'    => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'settlement_card_bank'    => '招商银行科技园支行',
    'business_license_number' => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'company_name'            => 'XXXXX有限公司',
    'store_address'           => '广东省深圳市南山区深南大道10000号',
    'store_longitude'         => '22.5461478801',
    'store_latitude'          => '113.9410519639',
    'sign_type'               => 'HMAC-SHA256',
  ],
])
->then(static function(\Psr\Http\Message\ResponseInterface $response) {
  print_r(\WeChatPay\Transformer::toArray((string) $response->getBody()));
})
->wait();
php
$response = $instance->v2->mchrisk->querymchrisk->post([
  'security' => true,
  'xml' => [
    'mch_id'                  => '1900000109',
    'cert_serial_number'      => 'XXXXX',
    'certificates_number'     => '8609cb22e1774a50a930e414cc71eca06121bcd266335cda230d24a7886a8d9f',
    'certificates_name'       => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'settlement_card_no'      => '8609cb22e1774a50a930e414cc71eca06121bcd266335cda230d24a7886a8d9f',
    'settlement_card_name'    => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'settlement_card_bank'    => '招商银行科技园支行',
    'business_license_number' => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'company_name'            => 'XXXXX有限公司',
    'store_address'           => '广东省深圳市南山区深南大道10000号',
    'store_longitude'         => '22.5461478801',
    'store_latitude'          => '113.9410519639',
    'sign_type'               => 'HMAC-SHA256',
  ],
]);
print_r(\WeChatPay\Transformer::toArray((string) $response->getBody()));
php
$response = $instance->chain('v2/mchrisk/querymchrisk')->post([
  'security' => true,
  'xml' => [
    'mch_id'                  => '1900000109',
    'cert_serial_number'      => 'XXXXX',
    'certificates_number'     => '8609cb22e1774a50a930e414cc71eca06121bcd266335cda230d24a7886a8d9f',
    'certificates_name'       => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'settlement_card_no'      => '8609cb22e1774a50a930e414cc71eca06121bcd266335cda230d24a7886a8d9f',
    'settlement_card_name'    => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'settlement_card_bank'    => '招商银行科技园支行',
    'business_license_number' => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'company_name'            => 'XXXXX有限公司',
    'store_address'           => '广东省深圳市南山区深南大道10000号',
    'store_longitude'         => '22.5461478801',
    'store_latitude'          => '113.9410519639',
    'sign_type'               => 'HMAC-SHA256',
  ],
]);
print_r(\WeChatPay\Transformer::toArray((string) $response->getBody()));
php
$response = $instance['v2/mchrisk/querymchrisk']->post([
  'security' => true,
  'xml' => [
    'mch_id'                  => '1900000109',
    'cert_serial_number'      => 'XXXXX',
    'certificates_number'     => '8609cb22e1774a50a930e414cc71eca06121bcd266335cda230d24a7886a8d9f',
    'certificates_name'       => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'settlement_card_no'      => '8609cb22e1774a50a930e414cc71eca06121bcd266335cda230d24a7886a8d9f',
    'settlement_card_name'    => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'settlement_card_bank'    => '招商银行科技园支行',
    'business_license_number' => 'ca775af5f841bdf424b2e6eb86a6e21e',
    'company_name'            => 'XXXXX有限公司',
    'store_address'           => '广东省深圳市南山区深南大道10000号',
    'store_longitude'         => '22.5461478801',
    'store_latitude'          => '113.9410519639',
    'sign_type'               => 'HMAC-SHA256',
  ],
]);
print_r(\WeChatPay\Transformer::toArray((string) $response->getBody()));
返回字典类型描述
return_codestring返回状态码
SUCCESS | FAIL 枚举值之一
return_msgstring返回信息
result_codestring业务结果
SUCCESS | FAIL 枚举值之一
mch_idstring服务商号
risk_levelstring风险级别
risk_level_descstring风险描述

参阅 官方文档

Published on the GitHub by TheNorthMemory