查询风险信息

从业机构/服务商/渠道商/商户可调用该接口，在商户订单支付完成后，进行订单风险查询，从而进行后置风险管控&生态建设。

请求参数	类型	描述
query	object	声明请求的查询参数
sp_mchid	string	服务商商户号
acquiring_bank_id	string	从业机构号
channel_id	string	渠道号
sub_mchid	string	子商户号
out_trade_no	string	商户订单号
complaints_information	string	投诉信息

异步纯链式

$instance->v3->merchantRiskManage->tradeRiskInformation->getAsync([
  'query' => [
    'sp_mchid'               => '1900000109',
    'acquiring_bank_id'      => '1356485',
    'channel_id'             => '1900000108',
    'sub_mchid'              => '1900009231',
    'out_trade_no'           => '1217752501201407033233368018',
    'complaints_information' => '商家说高额返利，支付很大金额之后发现并没有返利，是骗子',
  ],
])
->then(static function(\Psr\Http\Message\ResponseInterface $response) {
  print_r(json_decode((string) $response->getBody(), true));
})
->wait();

异步声明式

$instance->chain('v3/merchant-risk-manage/trade-risk-information')->getAsync([
  'query' => [
    'sp_mchid'               => '1900000109',
    'acquiring_bank_id'      => '1356485',
    'channel_id'             => '1900000108',
    'sub_mchid'              => '1900009231',
    'out_trade_no'           => '1217752501201407033233368018',
    'complaints_information' => '商家说高额返利，支付很大金额之后发现并没有返利，是骗子',
  ],
])
->then(static function(\Psr\Http\Message\ResponseInterface $response) {
  print_r(json_decode((string) $response->getBody(), true));
})
->wait();

异步属性式

$instance['v3/merchant-risk-manage/trade-risk-information']->getAsync([
  'query' => [
    'sp_mchid'               => '1900000109',
    'acquiring_bank_id'      => '1356485',
    'channel_id'             => '1900000108',
    'sub_mchid'              => '1900009231',
    'out_trade_no'           => '1217752501201407033233368018',
    'complaints_information' => '商家说高额返利，支付很大金额之后发现并没有返利，是骗子',
  ],
])
->then(static function(\Psr\Http\Message\ResponseInterface $response) {
  print_r(json_decode((string) $response->getBody(), true));
})
->wait();

同步纯链式

$response = $instance->v3->merchantRiskManage->tradeRiskInformation->get([
  'query' => [
    'sp_mchid'               => '1900000109',
    'acquiring_bank_id'      => '1356485',
    'channel_id'             => '1900000108',
    'sub_mchid'              => '1900009231',
    'out_trade_no'           => '1217752501201407033233368018',
    'complaints_information' => '商家说高额返利，支付很大金额之后发现并没有返利，是骗子',
  ],
]);
print_r(json_decode((string) $response->getBody(), true));

同步声明式

$response = $instance->chain('v3/merchant-risk-manage/trade-risk-information')->get([
  'query' => [
    'sp_mchid'               => '1900000109',
    'acquiring_bank_id'      => '1356485',
    'channel_id'             => '1900000108',
    'sub_mchid'              => '1900009231',
    'out_trade_no'           => '1217752501201407033233368018',
    'complaints_information' => '商家说高额返利，支付很大金额之后发现并没有返利，是骗子',
  ],
]);
print_r(json_decode((string) $response->getBody(), true));

同步属性式

$response = $instance['v3/merchant-risk-manage/trade-risk-information']->get([
  'query' => [
    'sp_mchid'               => '1900000109',
    'acquiring_bank_id'      => '1356485',
    'channel_id'             => '1900000108',
    'sub_mchid'              => '1900009231',
    'out_trade_no'           => '1217752501201407033233368018',
    'complaints_information' => '商家说高额返利，支付很大金额之后发现并没有返利，是骗子',
  ],
]);
print_r(json_decode((string) $response->getBody(), true));

返回字典	类型	描述
risk_score	number	风险系数值
risk_type	string	风险类型 OTHER_RISK | INDUCE_PAYMENT | FRAUD | GAMBLING | CYBERSEX 枚举值之一
punish_type	string	处置手段 OTHER_PUNISH | DISABLE_PAYMENT | SUSPEND_SETTLEMENT | DISABLE_WITHDRAW | REMOVE_MERCHANTS | ADD_MERCHANTS_BLACKLIST | REFUND | FREEZING_FUND_BY_TRANSACTION | FREEZING_FUND_BY_MERCHANTS | BLOCKED_USER 枚举值之一
punish_description	string	处置手段描述

参阅 官方文档