银行账户查询

代码示例

• 代码示例仅供参考，具体参数说明请参考请求参数说明

import com.google.gson.JsonObject;
public class OrderQuery {

  // MCH_ID: 商户ID
  // 请登录商户后台，点击 个人中心 > 个人信息 在基本信息中获取商户ID
  private static final String MCH_ID = "S820211021094748000001"; // 商户号
  private static final String PLAT_PUBLIC_KEY = "MIGfMA0GCSqGSIb3DQEBAQUAA4GNADCBiQKBgQC2JoMfFqLsSJjAiCahEnlP3aRj8yCT+WHzR+VvPBTw9S1i7iYWb+MY09CG/HYuHF4+IxshXDJygmndxKf/esuwPybS8mAd//yubHpmZsmBqg1FffT8VH1APa6ZRWASUp4U01ZrbCCp35QA8FuWrJGMJxGx4xk7KUtV2yujxC8noQIDAQAB"; // 平台公钥
  private static final String MCH_PRIVATE_KEY = "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"; // 商户私钥
  private static final String orderQueryUrl = "https://id-openapi.toppay.asia/gateway/verify";

  public static void main(String[] args) throws Exception {
    query();
  }
  private static void query() throws Exception {
    Map<String, String> requestParams = new TreeMap<>();
    requestParams.put("merchantCode", MCH_ID);
    requestParams.put("bankCode", "014"); // 银行编码（参考文档[可选参数附录：支持的银行及对应的银行编码]列表）
    requestParams.put("accountNumber", "123456789"); // 银行卡号
    requestParams.put("dateTime", "20220101105500"); // 时间戳 格式 yyyyMMddHHmmss

    StringBuilder stringBuilder = new StringBuilder();
    for (String key : requestParams.keySet()) {
      stringBuilder.append(requestParams.get(key)); // 拼接参数
    }

    String keyStr = stringBuilder.toString(); // 得到待加密的字符串
    System.out.println("keyStr:" + keyStr);
    String signedStr = TopPayRequestUtil.privateEncrypt(keyStr, TopPayRequestUtil.getPrivateKey(MCH_PRIVATE_KEY)); // 私钥加密
    requestParams.put("sign", signedStr);

    String postJson = new Gson().toJson(requestParams);
    System.out.println("Post Json Params:" + postJson);

    String responseJson = TopPayRequestUtil.doPost(orderQueryUrl, postJson); // 发送 post json请求
    System.out.println("Response Msg:" + responseJson);
  }
}

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请求地址

• 请求方式：POST
• 请求地址：https://id-openapi.toppay.asia/gateway/verify

注意：账号验证接口准确率不是完全准确，存在一定的误差，验证失败不一定代表账号不可用，请谨慎使用！！！

请求参数

参数	描述	示例
merchantCode	商户ID，在商户平台-个人中心-个人信息中获取	S820211021094748000001
bankCode	银行编码	查看支持的银行代码
accountNumber	银行卡号	123456789
dateTime	时间戳 (格式：yyyyMMddHHmmss)	20220101105500
sign	RSA签名	ja6R8eukQ...

请求报文示例

{
  "dateTime": "20220101105500",
  "bankCode": "014",
  "merchantCode": "S820211021094748000001",
  "sign": "X/o+IQUzLJqYe9Feid9Uww72mJGOvhJS9dps+EBO7oSWh1P4gboeIfGjVggYViuYsFgYgYR/DZGJEIfo1EUChrZyVZnzGHtd61QhOqRmXCtAwfMGlDgBerEGEl6/JMKmcJbFEjxxJf8fl9HzVUp0T+Q6W5kR/9yWPT7Aask7V7k=",
  "accountNumber": "123456789"
}

响应参数

参数	类型	必填	描述	示例
platRespCode	String	Y	请求业务是否成功	FAIL: 失败\SUCCESS: 成功
platRespMessage	String	Y	接口响应信息提示	Request Transaction Success
accountName	String	Y	账户名称	OKTAVIANE KAEMPE

响应报文示例

{
  "accountName": "OKTAVIANE KAEMPE",
  "platRespCode": "SUCCESS",
  "platRespMessage": "SUCCESS"
}