业务说明

应用场景

支持快捷支付绑卡申请。上送持卡人四要素信息（银行卡、户名、证件号、银行留存手机号）进行验证，验证成功后银行会向持卡人的银行留存手机号发送短信验证码。

交易请求报文

JSON:

{
    "request_type": "online_quickbuckle_apply_request",
    "isspid": "39493002",
    "pos_id": "0001",
    "store_id": "0001",
    "pos_seq": "qba_20240301235959000001",
    "user_id": "user01",
    "system_id": "8888",
    "mch_name": "翼码科技",
    "mch_cust_id": "U0000001",
    "email": "1@qq.com",
    "card_no": "620000000000000000001",
    "card_name": "张三",
    "cert_id": "350102000000000001",
    "cert_validity_type": "0",
    "cert_begin_date": "20220618",
    "cert_end_date": "20420618",
    "card_mp": "18600000001",
    "vip_code": "618",
    "expiration": "0426",
    "dc_type": "C",
    "protocol_no": "34463343",
    "device_ip": "127.0.0.1",
    "device_type": "4",
    "device_mac": "0C-96-E6-84-1E-11",
    "device_imei": "460030912121001",
    "device_imsi": "460030912121001",
    "device_icc_id": "898600680113F0123014",
    "device_wifi_mac": "96-87-78-69-5A-4B",
    "latitude": "+37.12",
    "longitude": "-121.213",
    "sign": "314DA43E7E244105ECBD45F797264854"
}

XML:

<?xml version="1.0" encoding="GBK"?>
<business_trans>
    <request_type>online_quickbuckle_apply_request</request_type>
    <isspid>39493002</isspid>
    <pos_id>0001</pos_id>
    <store_id>0001</store_id>
    <pos_seq>qba_20240301235959000001</pos_seq>
    <user_id>user01</user_id>
    <system_id>8888</system_id>
    <mch_name>翼码科技</mch_name>
    <mch_cust_id>U0000001</mch_cust_id>
    <email>1@qq.com</email>
    <card_no>620000000000000000001</card_no>
    <card_name>张三</card_name>
    <cert_id>350102000000000001</cert_id>
    <cert_validity_type>0</cert_validity_type>
    <cert_begin_date>20220618</cert_begin_date>
    <cert_end_date>20420618</cert_end_date>
    <card_mp>18600000001</card_mp>
    <vip_code>618</vip_code>
    <expiration>0426</expiration>
    <dc_type>C</dc_type>
    <protocol_no>34463343</protocol_no>
    <device_ip>127.0.0.1</device_ip>
    <device_type>4</device_type>
    <device_mac>0C-96-E6-84-1E-11</device_mac>
    <device_imei>460030912121001</device_imei>
    <device_imsi>460030912121001</device_imsi>
    <device_icc_id>898600680113F0123014</device_icc_id>
    <device_wifi_mac>96-87-78-69-5A-4B</device_wifi_mac>
    <latitude>+37.12</latitude>
    <longitude>-121.213</longitude>
</business_trans>

交易请求报文说明

自定义门店号(store_id)和自定义终端号(pos_id)需经过4.1终端绑定交易接口绑定成功过的值才可以调用，绑定一次即可不需要重复绑定。

交易返回报文

JSON:

{
    "response_type": "online_quickbuckle_apply_response",
    "isspid": "39493002",
    "pos_id": "0001",
    "pos_seq": "qba_20240301151515000001",
    "sys_seq": "0741136885a748c1",
    "trans_time": "20240301151515",
    "verify_id": "qba_20240301151515000001",
    "result": {
        "id": "0000",
        "comment": "申请成功"
    },
    "sign": "F6106656C20AB23B547B0C30DD819793"
}

XML:

<?xml version="1.0" encoding="GBK"?>
<business_trans>
    <response_type>online_quickbuckle_apply_response</response_type>
    <isspid>39493002</isspid>
    <pos_id>0001</pos_id>
    <pos_seq>qba_20240301235959000001</pos_seq>
    <sys_seq>0741136885a748c1</sys_seq>
    <trans_time>20240301151515</trans_time>
    <verify_id>qba_20240301151515000001</verify_id>
    <result>
        <id>0000</id>
        <comment>申请成功</comment>
    </result>
</business_trans>

交易返回报文说明

标准接口会因业务升级需要而新增节点，请在解析返回报文时避免新增未知节点产生的程序出错！

标准接口会因业务升级需要而新增节点，请在解析返回报文时避免新增未知节点产生的程序出错！

常见问题

当快捷绑卡申请返回响应码解释(result->comment)中出现“已超过最大查询次数或操作过于频繁”，表示要素验证连续失败 3 次以上。核实要素确实没有问题，可 24 小时后再发起重试。