使用阿里云接口进行银行卡四要素实名认证

　　如今随着互联网产业的多元化发展，尤其是互联网金融，O2O，共享经济等新兴商业形式的兴起，企业对实名认证业务的数据形式和数据质量有了更高的需求。如今也衍生出银行卡实名认证业务，通过接口将银行卡号、手机号、身份证号码、姓名上传至阿里云，再与银行系统进行匹配，判断信息的一致性。

在使用接口服务的方面我推荐使用技术实力强大的阿里云；

首先点击：（阿里云API接口）获取相应的订单后在控制台中可以得到您的appcode；

具体实现类：

import java.util.HashMap;
import java.util.Map;

import org.apache.http.HttpResponse;
import org.apache.http.util.EntityUtils;

import com.netgate.util.send.HttpUtils;

public class AlipayBankNoCheck {

    public static void main(String[] args) {
        String host = "https://yunyidata.market.alicloudapi.com";
        String path = "/bankAuthenticate4";
        String method = "POST";
        String appcode = "你的appcode";
        Map<String, String> headers = new HashMap<String, String>();
        //最后在header中的格式(中间是英文空格)为Authorization:APPCODE 83359fd73fe94948385f570e3c139105
        headers.put("Authorization", "APPCODE " + appcode);
        //根据API的要求，定义相对应的Content-Type
        headers.put("Content-Type", "application/x-www-form-urlencoded; charset=UTF-8");
        Map<String, String> querys = new HashMap<String, String>();
        Map<String, String> bodys = new HashMap<String, String>();
        bodys.put("cardNo", "621555888555222669");
        bodys.put("idNo", "3404251111122222255555");
        bodys.put("name", "张三");
        bodys.put("phoneNo", "13355558888");
        
        try {
            /**
            * 重要提示如下:
            * HttpUtils请从
            * https://github.com/aliyun/api-gateway-demo-sign-java/blob/master/src/main/java/com/aliyun/api/gateway/demo/util/HttpUtils.java
            * 下载
            *
            * 相应的依赖请参照
            * https://github.com/aliyun/api-gateway-demo-sign-java/blob/master/pom.xml
            */
            HttpResponse response = HttpUtils.doPost(host, path, method, headers, querys, bodys);
            System.out.println(response.toString());
            //获取response的body
            System.out.println(EntityUtils.toString(response.getEntity()));
        } catch (Exception e) {
            e.printStackTrace();
        }
    }
    
}

工具类HttpUtils：

import java.io.UnsupportedEncodingException;
import java.net.URLEncoder;
import java.security.KeyManagementException;
import java.security.NoSuchAlgorithmException;
import java.security.cert.X509Certificate;
import java.util.ArrayList;
import java.util.List;
import java.util.Map;

import javax.net.ssl.SSLContext;
import javax.net.ssl.TrustManager;
import javax.net.ssl.X509TrustManager;

import org.apache.commons.lang.StringUtils;
import org.apache.http.HttpResponse;
import org.apache.http.NameValuePair;
import org.apache.http.client.HttpClient;
import org.apache.http.client.entity.UrlEncodedFormEntity;
import org.apache.http.client.methods.HttpDelete;
import org.apache.http.client.methods.HttpGet;
import org.apache.http.client.methods.HttpPost;
import org.apache.http.client.methods.HttpPut;
import org.apache.http.conn.ClientConnectionManager;
import org.apache.http.conn.scheme.Scheme;
import org.apache.http.conn.scheme.SchemeRegistry;
import org.apache.http.conn.ssl.SSLSocketFactory;
import org.apache.http.entity.ByteArrayEntity;
import org.apache.http.entity.StringEntity;
import org.apache.http.impl.client.DefaultHttpClient;
import org.apache.http.message.BasicNameValuePair;

public class HttpUtils {
    
    /**
     * get
     * 
     * @param host
     * @param path
     * @param method
     * @param headers
     * @param querys
     * @return
     * @throws Exception
     */
    public static HttpResponse doGet(String host, String path, String method, 
            Map<String, String> headers, 
            Map<String, String> querys)
            throws Exception {        
        HttpClient httpClient = wrapClient(host);

        HttpGet request = new HttpGet(buildUrl(host, path, querys));
        for (Map.Entry<String, String> e : headers.entrySet()) {
            request.addHeader(e.getKey(), e.getValue());
        }
        
        return httpClient.execute(request);
    }
    
    /**
     * post form
     * 
     * @param host
     * @param path
     * @param method
     * @param headers
     * @param querys
     * @param bodys
     * @return
     * @throws Exception
     */
    public static HttpResponse doPost(String host, String path, String method, 
            Map<String, String> headers, 
            Map<String, String> querys, 
            Map<String, String> bodys)
            throws Exception {        
        HttpClient httpClient = wrapClient(host);

        HttpPost request = new HttpPost(buildUrl(host, path, querys));
        for (Map.Entry<String, String> e : headers.entrySet()) {
            request.addHeader(e.getKey(), e.getValue());
        }

        if (bodys != null) {
            List<NameValuePair> nameValuePairList = new ArrayList<NameValuePair>();

            for (String key : bodys.keySet()) {
                nameValuePairList.add(new BasicNameValuePair(key, bodys.get(key)));
            }
            UrlEncodedFormEntity formEntity = new UrlEncodedFormEntity(nameValuePairList, "utf-8");
            formEntity.setContentType("application/x-www-form-urlencoded; charset=UTF-8");
            request.setEntity(formEntity);
        }

        return httpClient.execute(request);
    }    
    
    /**
     * Post String
     * 
     * @param host
     * @param path
     * @param method
     * @param headers
     * @param querys
     * @param body
     * @return
     * @throws Exception
     */
    public static HttpResponse doPost(String host, String path, String method, 
            Map<String, String> headers, 
            Map<String, String> querys, 
            String body)
            throws Exception {        
        HttpClient httpClient = wrapClient(host);

        HttpPost request = new HttpPost(buildUrl(host, path, querys));
        for (Map.Entry<String, String> e : headers.entrySet()) {
            request.addHeader(e.getKey(), e.getValue());
        }

        if (StringUtils.isNotBlank(body)) {
            request.setEntity(new StringEntity(body, "utf-8"));
        }

        return httpClient.execute(request);
    }
    
    /**
     * Post stream
     * 
     * @param host
     * @param path
     * @param method
     * @param headers
     * @param querys
     * @param body
     * @return
     * @throws Exception
     */
    public static HttpResponse doPost(String host, String path, String method, 
            Map<String, String> headers, 
            Map<String, String> querys, 
            byte[] body)
            throws Exception {        
        HttpClient httpClient = wrapClient(host);

        HttpPost request = new HttpPost(buildUrl(host, path, querys));
        for (Map.Entry<String, String> e : headers.entrySet()) {
            request.addHeader(e.getKey(), e.getValue());
        }

        if (body != null) {
            request.setEntity(new ByteArrayEntity(body));
        }

        return httpClient.execute(request);
    }
    
    /**
     * Put String
     * @param host
     * @param path
     * @param method
     * @param headers
     * @param querys
     * @param body
     * @return
     * @throws Exception
     */
    public static HttpResponse doPut(String host, String path, String method, 
            Map<String, String> headers, 
            Map<String, String> querys, 
            String body)
            throws Exception {        
        HttpClient httpClient = wrapClient(host);

        HttpPut request = new HttpPut(buildUrl(host, path, querys));
        for (Map.Entry<String, String> e : headers.entrySet()) {
            request.addHeader(e.getKey(), e.getValue());
        }

        if (StringUtils.isNotBlank(body)) {
            request.setEntity(new StringEntity(body, "utf-8"));
        }

        return httpClient.execute(request);
    }
    
    /**
     * Put stream
     * @param host
     * @param path
     * @param method
     * @param headers
     * @param querys
     * @param body
     * @return
     * @throws Exception
     */
    public static HttpResponse doPut(String host, String path, String method, 
            Map<String, String> headers, 
            Map<String, String> querys, 
            byte[] body)
            throws Exception {        
        HttpClient httpClient = wrapClient(host);

        HttpPut request = new HttpPut(buildUrl(host, path, querys));
        for (Map.Entry<String, String> e : headers.entrySet()) {
            request.addHeader(e.getKey(), e.getValue());
        }

        if (body != null) {
            request.setEntity(new ByteArrayEntity(body));
        }

        return httpClient.execute(request);
    }
    
    /**
     * Delete
     *  
     * @param host
     * @param path
     * @param method
     * @param headers
     * @param querys
     * @return
     * @throws Exception
     */
    public static HttpResponse doDelete(String host, String path, String method, 
            Map<String, String> headers, 
            Map<String, String> querys)
            throws Exception {        
        HttpClient httpClient = wrapClient(host);

        HttpDelete request = new HttpDelete(buildUrl(host, path, querys));
        for (Map.Entry<String, String> e : headers.entrySet()) {
            request.addHeader(e.getKey(), e.getValue());
        }
        
        return httpClient.execute(request);
    }
    
    private static String buildUrl(String host, String path, Map<String, String> querys) throws UnsupportedEncodingException {
        StringBuilder sbUrl = new StringBuilder();
        sbUrl.append(host);
        if (!StringUtils.isBlank(path)) {
            sbUrl.append(path);
        }
        if (null != querys) {
            StringBuilder sbQuery = new StringBuilder();
            for (Map.Entry<String, String> query : querys.entrySet()) {
                if (0 < sbQuery.length()) {
                    sbQuery.append("&");
                }
                if (StringUtils.isBlank(query.getKey()) && !StringUtils.isBlank(query.getValue())) {
                    sbQuery.append(query.getValue());
                }
                if (!StringUtils.isBlank(query.getKey())) {
                    sbQuery.append(query.getKey());
                    if (!StringUtils.isBlank(query.getValue())) {
                        sbQuery.append("=");
                        sbQuery.append(URLEncoder.encode(query.getValue(), "utf-8"));
                    }                    
                }
            }
            if (0 < sbQuery.length()) {
                sbUrl.append("?").append(sbQuery);
            }
        }
        
        return sbUrl.toString();
    }
    
    private static HttpClient wrapClient(String host) {
        HttpClient httpClient = new DefaultHttpClient();
        if (host.startsWith("https://")) {
            sslClient(httpClient);
        }
        
        return httpClient;
    }
    
    private static void sslClient(HttpClient httpClient) {
        try {
            SSLContext ctx = SSLContext.getInstance("TLS");
            X509TrustManager tm = new X509TrustManager() {
                public X509Certificate[] getAcceptedIssuers() {
                    return null;
                }
                public void checkClientTrusted(X509Certificate[] xcs, String str) {
                    
                }
                public void checkServerTrusted(X509Certificate[] xcs, String str) {
                    
                }
            };
            ctx.init(null, new TrustManager[] { tm }, null);
            SSLSocketFactory ssf = new SSLSocketFactory(ctx);
            ssf.setHostnameVerifier(SSLSocketFactory.ALLOW_ALL_HOSTNAME_VERIFIER);
            ClientConnectionManager ccm = httpClient.getConnectionManager();
            SchemeRegistry registry = ccm.getSchemeRegistry();
            registry.register(new Scheme("https", 443, ssf));
        } catch (KeyManagementException ex) {
            throw new RuntimeException(ex);
        } catch (NoSuchAlgorithmException ex) {
            throw new RuntimeException(ex);
        }
    }
}