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产品介绍
  • 服务对象
    仅限机构用户,开发者用户不可用。
  • 产品详情

    基于银联1.5亿人卡对应关系,整合数据,以身份证为入参,返回人级标签。同时基于银联6亿手机号卡号对应关系,整合数据,以手机号为入参,返回对应脱敏卡号标签。


  • 产品亮点

    20180929145415.png

  • 应用场景

    银联基于海量数据,供合作伙伴打造客户画像标签体系,精准筛选人群。广泛应用在信用评估、精准营销、精准扶贫、新业务运营观察等场景。

应答码参照
应答码状态列表
  • 应答码 描述 解决方案
    0000 处理成功 暂无
    1001 处理失败 暂无
    9006 您的账号不具备当前产品请求权限,如有权限,可重新获取该产品Token后再尝试。 暂无
    9007 app_id与app_secret验证失败 暂无
    9008 您的Token已过期,请重新获取Token。 暂无
    9009 您的Token信息非最新Token,请确保您的系统中使用的是最新的Token值。 暂无
    9010 您的签名密钥未设置,请登录银联开放平台(open.unionpay.com)确认相关配置 暂无
    9901 您的IP(XXX.XXX.XXX.XXX)没有登记,请登录银联开放平台(open.unionpay.com)进行白名单登记。 暂无
    9902 您的IP(XXX.XXX.XXX.XXX)已被限制访问,请登录银联开放平台(open.unionpay.com)提交申诉请求。 暂无
    9904 您的 IP(XXX.XXX.XXX.XXX)不属于你设置的开发IP列表,请登录银联开放平台(open.unionpay.com)确认相关配置 暂无
    9905 请求参数值有误,请确认请求参数信息 暂无
    9911 您的签名信息验证不通过,请检查您的签名实现是否符合银联开放平台(open.unionpay.com)提供的签名规则。 暂无
    9912 您的报文格式有误,要求报文符合JSON数据格式 暂无
    9913 你的报文数据有误,未通过数据信息校验,具体原因视业务需求 暂无
    9914 您的报文无法解密,请检查您在银联开放平台(open.unionpay.com)上提供的RSA公钥是否正确。 暂无
    9917 您的账号不具备当前产品API请求权限,请联系相关业务接口人。 暂无
    9991 银联开放平台系统内部错误:产品服务调用失败 暂无
    9992 银联开放平台系统内部错误:产品服务系统未知错误 暂无
    9993 银联开放平台系统内部错误:产品服务未注册至服务中心 暂无
    9994 银联开放平台系统内部错误:产品服务参数错误 暂无
接入流程
接入流程

(一)   目前该产品API仅面向特定的应用方提供服务,如有相关需求,请发送邮件至业务接口人说明相关使用需求;

(二)   应用方用户请提供相关银联入网证明材料;开发者用户请提供身份证相关信息;

(三)   技术联调,可参照开放平台在线《“快速接入”产品API指南-接入指南》


标签字典

1.统计标签


序号



标签名称


备注


示例响应信息

1settle_at清算金额{"result":{"settle_at":"5613909"},"respMsg":"success","respCd":"0000"}
2settle_cnt清算笔数{"result":{"settle_cnt":"132"},"respMsg":"success","respCd":"0000"}
3mcc_base_at当月(日常类)广义消费金额{"result":{"mcc_base_at":"13909"},"respMsg":"success","respCd":"0000"}
4mcc_base_cnt当月(日常类)广义消费笔数{"result":{"mcc_base_cnt":"2"},"respMsg":"success","respCd":"0000"}
5cross_consume_at当月境外广义消费金额(分){"result":{"cross_consume_at":"0"},"respMsg":"success","respCd":"0000"}
6cross_consume_cnt当月境外广义消费笔数{"result":{"cross_consume_cnt":"0"},"respMsg":"success","respCd":"0000"}
7tr_collect_at当月代收交易金额{"result":{"tr_collect_at":"0"},"respMsg":"success","respCd":"0000"}
8tr_collect_cnt当月代收交易笔数{"result":{"tr_collect_cnt":"0"},"respMsg":"success","respCd":"0000"}
9tr_pay_at当月代付交易金额{"result":{"tr_pay_at":"828"},"respMsg":"success","respCd":"0000"}
10tr_pay_cnt当月代付交易笔数{"result":{"tr_pay_cnt":"2"},"respMsg":"success","respCd":"0000"}
11mcc1_comm_at当月交通消费金额{"result":{"mcc1_comm_at":"0"},"respMsg":"success","respCd":"0000"}
12mcc1_comm_cnt当月交通消费笔数{"result":{"mcc1_comm_cnt":"0"},"respMsg":"success","respCd":"0000"}
13mcc2_fin_insurance_at当月金融-保险消费金额{"result":{"mcc2_fin_insurance_at":"191784"},"respMsg":"success","respCd":"0000"}
14mcc2_fin_financing_at当月金融-理财消费金额{"result":{"mcc2_fin_financing_at":"104706"},"respMsg":"success","respCd":"0000"}
15mcc2_fin_insurance_cnt当月金融-保险消费笔数{"result":{"mcc2_fin_insurance_cnt":"4"},"respMsg":"success","respCd":"0000"}
16mcc2_fin_financing_cnt当月金融-理财消费笔数{"result":{"mcc2_fin_financing_cnt":"14"},"respMsg":"success","respCd":"0000"}
17tr_withdrawal_at当月取现金额{"result":{"tr_withdrawal_at":"0"},"respMsg":"success","respCd":"0000"}
18tr_deposit_at当月存款金额{"result":{"tr_deposit_at":"0"},"respMsg":"success","respCd":"0000"}
19ol_settle_cnt当月线上清算笔数{"result":{"ol_settle_cnt":"0"},"respMsg":"success","respCd":"0000"}
20ol_settle_at当月线上清算金额(分){"result":{"ol_settle_at":"0"},"respMsg":"success","respCd":"0000"}
21ofl_settle_cnt当月线下清算笔数{"result":{"ofl_settle_cnt":"2"},"respMsg":"success","respCd":"0000"}
22ofl_settle_at当月线下清算金额(分){"result":{"ofl_settle_at":"13909"},"respMsg":"success","respCd":"0000"}
23web_settle_cnt当月互联网清算笔数{"result":{"web_settle_cnt":"0"},"respMsg":"success","respCd":"0000"}
24web_settle_at当月互联网清算金额(分){"result":{"web_settle_at":"0"},"respMsg":"success","respCd":"0000"}
25tr_withdrawal_cnt当月取现笔数{"result":{"tr_withdrawal_cnt":"0"},"respMsg":"success","respCd":"0000"}
26tr_deposit_cnt当月存款笔数{"result":{"tr_deposit_cnt":"0"},"respMsg":"success","respCd":"0000"}
27consumption_level_p消费水平{"result":{"consumption_level_p":"中端消费#0.5010272194236459"},"respMsg":"success","respCd":"0000"}
28state_of_housing_p房产状态{"result":{"state_of_housing_p":"有房#0.5049787053165852"},"respMsg":"success","respCd":"0000"}
29state_of_car_p汽车状态{"result":{},"respMsg":"success","respCd":"0000"}
30business_travel_p商旅者{"result":{},"respMsg":"success","respCd":"0000"}
31age_of_consumption_p消费年龄段{"result":{},"respMsg":"success","respCd":"0000"}
32gender_of_consumption_p消费性别{"result":{},"respMsg":"success","respCd":"0000"}
33state_of_loan_p贷款状态{"result":{},"respMsg":"success","respCd":"0000"}
34first_trans_dt首笔交易日期{"result":{},"respMsg":"success","respCd":"0000"}
35consume_at当月广义消费金额{"result":{"consume_at":"13909"},"respMsg":"success","respCd":"0000"}
36consume_cnt当月广义消费笔数{"result":{"consume_cnt":"2"},"respMsg":"success","respCd":"0000"}
37neg_consume_cnt当月反向广义消费笔数{"result":{"neg_consume_cnt":"0"},"respMsg":"success","respCd":"0000"}
38max_day_settle_at当月单笔最高交易金额{"result":{"max_day_settle_at":"0"},"respMsg":"success","respCd":"0000"}


2.特征标签



序号



标签名称


备注


示例响应信息

39lst_tr_dt最近一笔交易日期{"result":{},"respMsg":"success","respCd":"0000"}
40lst_ofl_tr_dt最近一笔线下交易日期{"result":{},"respMsg":"success","respCd":"0000"}
41his_max_tr_at卡片历史最高月度汇总交易金额{"result":{"his_max_tr_at":"0"},"respMsg":"success","respCd":"0000"}


报文举例

1. 获取产品调用token信息

请求URL:

https://openapi.unionpay.com/upapi/upcardtag/token?app_id=[value]&app_secret=[value]

应答JSON报文体:
{
“respCd”:“0000”
“respMsg”:“成功”
“token”: “”,
“expire_in”:7200
}


2.  人级标签查询

请求URL:

https://openapi.unionpay.com/upapi/upcardtag/tagInfo?token=[token]&sign=[sign]&ts=[ts]

请求JSON报文体:
{
    "idNum": "310151515132323",
    "startdate": "201806",
    "enddate": "201806",
    "columns": "gz_consume_level,gz_card_consume_level,settle_at,settle_cnt,mcc_base_at,mcc_base_cnt,cross_consume_at,cross_consume_cnt,first_mchnt_nm,first_mchnt_cd,first_mchnt_cnt,first_mchnt_at,consume_prov_num,first_city_cd,first_city_cnt,first_city_at,tr_collect_at,tr_collect_cnt,tr_pay_at,tr_pay_cnt,mcc1_comm_at,mcc1_comm_cnt,mcc2_fin_insurance_at,mcc2_fin_financing_at,mcc2_fin_insurance_cnt,mcc2_fin_financing_cnt,tr_withdrawal_at,tr_deposit_at,ol_settle_cnt,ol_settle_at,ofl_settle_cnt,ofl_settle_at,web_settle_cnt,web_settle_at,tr_withdrawal_cnt,tr_deposit_cnt,first_trans_dt,consume_at,consume_cnt,neg_consume_cnt,lst_tr_dt,lst_ofl_tr_dt,his_max_tr_at,max_day_settle_at,tr_mnt_num"
}
应答JSON报文体
{
        "tr_collect_at": "0",
        "gz_card_consume_level": "1662**********7388:D-1962*************4241:A-1662**********7231:C-1662**********0710:A-1662**********5366:D-1962*************3235:D",
        "settle_at": "3594023",
        "mcc2_fin_financing_at": "0",
        "gz_consume_level": "D",
        "cross_consume_at": "0",
        "first_trans_dt": "20160508",
        "consume_cnt": "30",
        "lst_tr_dt": "20180630",
        "consume_at": "2495423",
        "neg_consume_cnt": "2",
        "tr_collect_cnt": "0",
        "web_settle_at": "892013",
        "mcc_base_at": "711717",
        "tr_deposit_cnt": "0",
        "tr_pay_at": "-1098600",
        "ol_settle_cnt": "21",
        "settle_cnt": "35",
        "tr_withdrawal_at": "0",
        "cross_consume_cnt": "0",
        "mcc1_comm_cnt": "4",
        "mcc2_fin_insurance_cnt": "0",
        "ofl_settle_at": "2125059",
        "mcc2_fin_financing_cnt": "0",
        "mcc2_fin_insurance_at": "0",
        "lst_ofl_tr_dt": "20180630",
        "mcc_base_cnt": "21",
        "tr_withdrawal_cnt": "0",
        "mcc1_comm_at": "1800",
        "ofl_settle_cnt": "16",
        "his_max_tr_at": "612060",
        "max_day_settle_at": "630300",
        "ol_settle_at": "1469123",
        "tr_pay_cnt": "0",
        "web_settle_cnt": "12",
        "tr_deposit_at": "0"
    }


3. 持卡人银行卡号查询

请求URL:

https://openapi.unionpay.com/upapi/upcardtag/cardNo?token=[value]&sign=[value]&ts=[value]

请求JSON报文体:
{
    "idNum": "310542232326556565"
}
应答JSON报文体:
{
    "result":{
         "cardList":[
             {
                   "card_attr_cd":"01",
                   "cardno":"6228***********3778",
                   "iss_ins_cd":"0801035200"
              },
             {
                    "card_attr_cd":"01",
                    "cardno":"6228***********7317",
                    "iss_ins_cd":"0801035200"
              },
              {
                    "card_attr_cd":"01",
                    "cardno":"6228***********9515",
                    "iss_ins_cd":"0801035200"
               }
                  ]
         },
     "respMsg":"success",
     "respCd":"0000"
}


4. 批量人级标签查询

请求URL:
https://openapi.unionpay.com/upapi/upcardtag/batchTagInfo?token=[token]&sign=[sign]&ts=[ts]
请求JSON报文体:
{
             "enddate":"201606",
         "columns":"gz_consume_level,gz_card_consume_level,settle_at,settle_cnt,
         mcc_base_at,mcc_base_cnt,cross_consume_at,cross_consume_cnt,first_mchnt_nm,
         first_mchnt_cd,first_mchnt_cnt,first_mchnt_at,consume_prov_num,first_city_cd,
         first_city_cnt,first_city_at,tr_collect_at,tr_collect_cnt,tr_pay_at,tr_pay_cnt,
         mcc1_comm_at,mcc1_comm_cnt,mcc2_fin_insurance_at,mcc2_fin_financing_at,
         mcc2_fin_insurance_cnt,mcc2_fin_financing_cnt,tr_withdrawal_at,tr_deposit_at,
         ol_settle_cnt,ol_settle_at,ofl_settle_cnt,ofl_settle_at,web_settle_cnt,
         web_settle_at,tr_withdrawal_cnt,tr_deposit_cnt,first_trans_dt,consume_at,
         consume_cnt,neg_consume_cnt,lst_tr_dt,lst_ofl_tr_dt,his_max_tr_at,max_day_settle_at,
         tr_mnt_num,consumption_level_p,state_of_housing_p,state_of_car_p,business_travel_p,
         age_of_consumption_p,gender_of_consumption_p,state_of_loan_p",
         "idNum":"610222197910170000",
         "phoneNo":"",
         "startdate":"201602"
}
应答JSON报文体:
{
    "result":{
                  "201605":{
                          "consume_at":"0",
                          "mcc1_comm_at":"0",
                          "mcc2_fin_financing_cnt":"0",
                          "tr_collect_at":"0",
                          "gz_consume_level":"A",
                          "tr_deposit_cnt":"0",
                          "web_settle_cnt":"0",
                          "mcc2_fin_insurance_at":"0",
                          "gz_card_consume_level":"",
                          "state_of_housing_p":"有房#rules_weight#0.5050266069389057",
                          "neg_consume_cnt":"0",
                          "tr_deposit_at":"0",
                          "cross_consume_at":"0",
                          "tr_collect_cnt":"0",
                          "tr_withdrawal_at":"0",
                          "ofl_settle_at":"0",
                          "mcc_base_at":"0",
                          "settle_cnt":"0",
                          "ol_settle_cnt":"0",
                          "cross_consume_cnt":"0",
                          "settle_at":"0",
                          "mcc_base_cnt":"0",
                          "mcc2_fin_insurance_cnt":"0",
                          "consumption_level_p":" #0.4961516809464227",
                          "mcc1_comm_cnt":"0",
                          "consume_cnt":"0",
                          "tr_pay_at":"0",
                          "ofl_settle_cnt":"0",
                          "tr_pay_cnt":"0",
                          "ol_settle_at":"0",
                          "web_settle_at":"0",
                          "mcc2_fin_financing_at":"0",
                          "tr_withdrawal_cnt":"0"
                  },
                  "201602":{
                          "consume_at":"24000",
                          "mcc1_comm_at":"70",
                          "mcc2_fin_financing_cnt":"15",
                          "tr_collect_at":"600",
                          "gz_consume_level":"A",
                          "tr_deposit_cnt":"12",
                          "web_settle_cnt":"16",
                          "mcc2_fin_insurance_at":"120",
                          "gz_card_consume_level":"6222********3021:
                          A-6222********3021:A-6222********3000:A-6222********3000:A",
                          "state_of_housing_p":"有房#rules_weight#0.5050266069389057",
                          "neg_consume_cnt":"6",
                          "tr_deposit_at":"2400",
                          "cross_consume_at":"480",
                          "tr_collect_cnt":"6",
                          "tr_withdrawal_at":"2500",
                          "ofl_settle_at":"10100",
                          "mcc_base_at":"23900",
                          "settle_cnt":"59",
                          "ol_settle_cnt":"19",
                          "cross_consume_cnt":"8",
                          "settle_at":"26000",
                          "mcc_base_cnt":"45",
                          "mcc2_fin_insurance_cnt":"12",
                          "consumption_level_p":"低端消费#0.4961516809464227",
                          "mcc1_comm_cnt":"7",
                          "consume_cnt":"50",
                          "tr_pay_at":"1200",
                          "ofl_settle_cnt":"14",
                          "tr_pay_cnt":"12",
                          "ol_settle_at":"15900",
                          "web_settle_at":"15900",
                          "mcc2_fin_financing_at":"150",
                          "max_day_settle_at":"3100",
                          "tr_withdrawal_cnt":"6"
                  },
                  "201604":{
                          "consume_at":"11900",
                          "mcc1_comm_at":"80",
                          "mcc2_fin_financing_cnt":"6",
                          "tr_collect_at":"600",
                          "gz_consume_level":"A",
                          "tr_deposit_cnt":"6",
                          "web_settle_cnt":"5",
                          "mcc2_fin_insurance_at":"90",
                          "gz_card_consume_level":"6222********3021:A-6222********3000:A",
                          "state_of_housing_p":"有房#rules_weight#0.5050266069389057",
                          "neg_consume_cnt":"6",
                          "tr_deposit_at":"1200",
                           "cross_consume_at":"360",
                          "tr_collect_cnt":"6",
                          "tr_withdrawal_at":"1700",
                          "ofl_settle_at":"5300",
                          "mcc_base_at":"11800",
                          "settle_cnt":"28",
                          "ol_settle_cnt":"11",
                          "cross_consume_cnt":"4",
                          "settle_at":"12800",
                          "mcc_base_cnt":"21",
                          "mcc2_fin_insurance_cnt":"9",
                          "consumption_level_p":"低端消费#0.4961516809464227",
                          "mcc1_comm_cnt":"8",
                          "consume_cnt":"22",
                          "tr_pay_at":"600",
                          "ofl_settle_cnt":"4",
                          "tr_pay_cnt":"6",
                          "ol_settle_at":"7500",
                          "web_settle_at":"7500",
                          "mcc2_fin_financing_at":"60",
                          "max_day_settle_at":"3300",
                          "tr_withdrawal_cnt":"6"
                  },
                  "201603":{
                          "consume_at":"23900",
                          "mcc1_comm_at":"130",
                          "mcc2_fin_financing_cnt":"13",
                          "tr_collect_at":"1000",
                          "gz_consume_level":"A",
                          "tr_deposit_cnt":"13",
                          "web_settle_cnt":"13",
                          "mcc2_fin_insurance_at":"160",
                          "gz_card_consume_level":"6222********3021:A-6222********3021:
                          A-6222********3000:A-6222********3000:A",
                          "state_of_housing_p":"有房#rules_weight#0.5050266069389057",
                          "neg_consume_cnt":"10",
                          "tr_deposit_at":"2500",
                          "cross_consume_at":"640",
                          "tr_collect_cnt":"10",
                          "tr_withdrawal_at":"3100",
                          "ofl_settle_at":"10200",
                          "mcc_base_at":"23700",
                          "settle_cnt":"57",
                          "ol_settle_cnt":"22",
                          "cross_consume_cnt":"8",
                          "settle_at":"25600",
                          "mcc_base_cnt":"43",
                          "mcc2_fin_insurance_cnt":"16",
                          "consumption_level_p":"低端消费#0.4961516809464227",
                          "mcc1_comm_cnt":"13",
                          "consume_cnt":"46",
                          "tr_pay_at":"1200",
                          "ofl_settle_cnt":"11",
                          "tr_pay_cnt":"12",
                          "ol_settle_at":"15400",
                          "web_settle_at":"15400",
                          "mcc2_fin_financing_at":"130",
                          "max_day_settle_at":"3300",
                          "tr_withdrawal_cnt":"10"
                  }
         },
         "respMsg":"success",
         "respCd":"0000"
}


5. 卡统计标签查询

请求URL:
https://openapi.unionpay.com/upapi/upcardtag/queryTagByCardNo?token=[token]&sign=[sign]&ts=[ts]
请求JSON报文体:
{
            "enddate":"201606",
         "columns":"gz_consume_level,gz_card_consume_level,settle_at,settle_cnt,mcc_base_at,
         mcc_base_cnt,cross_consume_at,cross_consume_cnt,first_mchnt_nm,first_mchnt_cd,first_mchnt_cnt,
         first_mchnt_at,consume_prov_num,first_city_cd,first_city_cnt,first_city_at,tr_collect_at,
         tr_collect_cnt,tr_pay_at,tr_pay_cnt,mcc1_comm_at,mcc1_comm_cnt,mcc2_fin_insurance_at,
         mcc2_fin_financing_at,mcc2_fin_insurance_cnt,mcc2_fin_financing_cnt,tr_withdrawal_at,
         tr_deposit_at,ol_settle_cnt,ol_settle_at,ofl_settle_cnt,ofl_settle_at,web_settle_cnt,
         web_settle_at,tr_withdrawal_cnt,tr_deposit_cnt,first_trans_dt,consume_at,consume_cnt,
         neg_consume_cnt,lst_tr_dt,lst_ofl_tr_dt,his_max_tr_at,max_day_settle_at,tr_mnt_num,
         consumption_level_p,state_of_housing_p,state_of_car_p,business_travel_p,age_of_consumption_p,
         gender_of_consumption_p,state_of_loan_p",
         "cardNo":"6222533132583000",
         "startdate":"201602"
}
应答JSON报文体:
{
    "result":{
                "201605":{
                        "consume_at":"0",
                        "mcc1_comm_at":"0",
                        "mcc2_fin_financing_cnt":"0",
                        "tr_collect_at":"0",
                        "gz_consume_level":"A",
                        "tr_deposit_cnt":"0",
                        "web_settle_cnt":"0",
                        "mcc2_fin_insurance_at":"0",
                        "gz_card_consume_level":"",
                        "state_of_housing_p":"有房#rules_weight#0.5050266069389057",
                        "neg_consume_cnt":"0",
                        "tr_deposit_at":"0",
                        "cross_consume_at":"0",
                        "tr_collect_cnt":"0",
                        "tr_withdrawal_at":"0",
                        "ofl_settle_at":"0",
                        "mcc_base_at":"0",
                        "settle_cnt":"0",
                        "ol_settle_cnt":"0",
                        "cross_consume_cnt":"0",
                        "settle_at":"0",
                        "mcc_base_cnt":"0",
                        "mcc2_fin_insurance_cnt":"0",
                        "consumption_level_p":"低端消费#0.4927028909780764",
                        "mcc1_comm_cnt":"0",
                        "consume_cnt":"0",
                        "tr_pay_at":"0",
                        "ofl_settle_cnt":"0",
                        "tr_pay_cnt":"0",
                        "ol_settle_at":"0",
                        "web_settle_at":"0",
                        "mcc2_fin_financing_at":"0",
                        "tr_withdrawal_cnt":"0"
                },
                "201602":{
                        "consume_at":"12200",
                        "mcc1_comm_at":"30",
                        "mcc2_fin_financing_cnt":"7",
                        "tr_collect_at":"300",
                        "gz_consume_level":"A",
                        "tr_deposit_cnt":"5",
                        "web_settle_cnt":"9",
                        "mcc2_fin_insurance_at":"50",
                        "gz_card_consume_level":"6222********3000:A-6222********3000:A",
                        "state_of_housing_p":"有房#rules_weight#0.5050266069389057",
                        "neg_consume_cnt":"3",
                        "tr_deposit_at":"1700",
                        "cross_consume_at":"180",
                        "tr_collect_cnt":"3",
                        "tr_withdrawal_at":"2200",
                        "ofl_settle_at":"3000",
                        "mcc_base_at":"12200",
                        "settle_cnt":"21",
                        "ol_settle_cnt":"12",
                        "cross_consume_cnt":"5",
                        "settle_at":"13400",
                        "mcc_base_cnt":"17",
                        "mcc2_fin_insurance_cnt":"5",
                        "consumption_level_p":"低端消费#0.4927028909780764",
                        "mcc1_comm_cnt":"3",
                        "consume_cnt":"17",
                        "tr_pay_at":"500",
                        "ofl_settle_cnt":"9",
                        "tr_pay_cnt":"5",
                        "ol_settle_at":"10400",
                        "web_settle_at":"10400",
                        "mcc2_fin_financing_at":"70",
                        "max_day_settle_at":"3100",
                        "tr_withdrawal_cnt":"3"
                },
                "201604":{
                        "consume_at":"6400",
                        "mcc1_comm_at":"30",
                        "mcc2_fin_financing_cnt":"5",
                        "tr_collect_at":"300",
                        "gz_consume_level":"A",
                        "tr_deposit_cnt":"4",
                        "web_settle_cnt":"3",
                        "mcc2_fin_insurance_at":"40",
                        "gz_card_consume_level":"6222********3000:A",
                        "state_of_housing_p":"有房#rules_weight#0.5050266069389057",
                        "neg_consume_cnt":"3",
                        "tr_deposit_at":"1000",
                        "cross_consume_at":"60",
                        "tr_collect_cnt":"3",
                        "tr_withdrawal_at":"1400",
                        "ofl_settle_at":"1500",
                        "mcc_base_at":"6400",
                        "settle_cnt":"12",
                        "ol_settle_cnt":"9",
                        "cross_consume_cnt":"1",
                        "settle_at":"7000",
                        "mcc_base_cnt":"10",
                        "mcc2_fin_insurance_cnt":"4",
                        "consumption_level_p":"低端消费#0.4927028909780764",
                        "mcc1_comm_cnt":"3",
                        "consume_cnt":"10",
                        "tr_pay_at":"400",
                        "ofl_settle_cnt":"3",
                        "tr_pay_cnt":"4",
                        "ol_settle_at":"5500",
                        "web_settle_at":"5500",
                        "mcc2_fin_financing_at":"50",
                        "max_day_settle_at":"3300",
                        "tr_withdrawal_cnt":"3"
                },
                "201603":{
                        "consume_at":"12600",
                        "mcc1_comm_at":"50",
                        "mcc2_fin_financing_cnt":"9",
                        "tr_collect_at":"500",
                        "gz_consume_level":"A",
                        "tr_deposit_cnt":"7",
                        "web_settle_cnt":"7",
                        "mcc2_fin_insurance_at":"70",
                        "gz_card_consume_level":"6222********3000:A-6222********3000:A",
                        "state_of_housing_p":"有房#rules_weight#0.5050266069389057",
                        "neg_consume_cnt":"5",
                        "tr_deposit_at":"1900",
                        "cross_consume_at":"140",
                        "tr_collect_cnt":"5",
                        "tr_withdrawal_at":"2600",
                        "ofl_settle_at":"2900",
                        "mcc_base_at":"12600",
                        "settle_cnt":"23",
                        "ol_settle_cnt":"16",
                        "cross_consume_cnt":"3",
                        "settle_at":"13800",
                        "mcc_base_cnt":"19",
                        "mcc2_fin_insurance_cnt":"7",
                        "consumption_level_p":"低端消费#0.4927028909780764",
                        "mcc1_comm_cnt":"5",
                        "consume_cnt":"19",
                        "tr_pay_at":"700",
                        "ofl_settle_cnt":"7",
                        "tr_pay_cnt":"7",
                        "ol_settle_at":"10900",
                        "web_settle_at":"10900",
                        "mcc2_fin_financing_at":"90",
                        "max_day_settle_at":"3300",
                        "tr_withdrawal_cnt":"5"
                }
        },
        "respMsg":"success",
        "respCd":"0000"
}


6. 卡特征标签查询

请求URL:
https://openapi.unionpay.com/upapi/upcardtag/queryTagByCardNo?token=[token]&sign=[sign]&ts=[ts]
请求JSON报文体:
{
     "columns":"rules_weight,tag_list",
      "cardNo":"6222533132583000"
}
应答JSON报文体:
{
   "result":{
                "rules_weight":"{\"婚姻状况\":\"已婚#0.5050266069389057\",\"城市\":
                \"安顺市#0.5699056827917405\",\"居家达人\":\"0.5050266069389057\",\"有房\":
                \"0.5050266069389057\",\"消费水平\":\"低端消费#0.4927028909780764\"}",
                "tag_list":"低端消费,安顺市,居家达人,有房,已婚,"
        },
        "respMsg":"success",
        "respCd":"0000"
}


技术指南

1. “快速接入”产品API使用教程请参考在线文档:

“快速接入”产品API指南—接入指南


2. “快速接入”产品API安全调用过程请参考在线文档:

2.1“快速接入”产品API指南—获取产品token

2.2快速接入”产品API指南—产品功能接口调用


3. “快速接入”产品API接口调用报文签名样例请参考在线文档:

“快速接入”产品API指南—报文签名样例代码


4. “快速接入”产品API测试工具使用说明请参考在线文档:

“快速接入”产品API指南—“快速接入”测试工具

API接口
了解全局token
获取token
接口描述
产品token是开放平台每个产品的全局唯一接口调用凭据,用户调用各接口时都需使用产品token。
请求方式
POST
生产地址
https://openapi.unionpay.com/upapi/upcardtag/token
测试地址
敬请期待
请求URL参数
名称 标识 字段类型 长度 请求要求 默认值 备注
用户唯一凭证 app_id string M-必填 详情可在登录开放平台后“个人中心-我的信息-API认证信息-API认证账号”中查看   
用户唯一凭证密钥 app_secret string M-必填 详情可在登录开放平台后“个人中心-我的信息-API认证信息-API认证密钥”中查看   
同步应答参数
名称 标识 字段类型 长度 请求要求 默认值 备注
应答码 respCd string 4 M-必填   
应答消息 respMsg string M-必填   
产品token token string C-依条件必填 获取到的凭证; 凭证是字符串   
过期时间 expire_in int C-依条件必填 凭证有效时间,单位:秒   
人级标签查询
接口描述
根据身份证号或者手机号查询持卡人标签信息。
请求方式
POST
生产地址
https://openapi.unionpay.com/upapi/upcardtag/tagInfo
测试地址
敬请期待
请求URL参数
名称 标识 字段类型 长度 请求要求 默认值 备注
产品token token string M-必填 详情请参考“获取token”接口中应答参数“token”的具体数据。   
签名信息 sign string M-必填 详细签名算法可参考“技术指南”板块第3条。   
时间戳 ts long M-必填 单位:毫秒,对于Java一般使用System.currentTimeMillis();获取。   
请求报文体参数
名称 标识 字段类型 长度 请求要求 默认值 备注
身份证号 idNum string 20 O-选填 选填,手机号和身份证号码必须有一个出现。   
手机号 phoneNo string 11 O-选填 选填,手机号和身份证号码必须有一个出现。   
查询开始时间 startdate string 8 M-必填 必填,开始时间格式为yyyyMM例如201807   
查询结束时间 enddate string 8 M-必填 必填,开始时间格式为yyyyMM例如201808   
标签列表 columns string M-必填 可选值参见“标签字典”内的所有标签,以逗号分隔,如:标签1,标签2,标签3。   
同步应答参数
名称 标识 字段类型 长度 请求要求 默认值 备注
应答码 respCd string 4 M-必填 参考左侧菜单“应答码参照”   
应答消息 respMsg string M-必填 如果respCd不是0000,该字段解释了具体的出错原因。   
应答报文 result map C-依条件必填   
标签ID col string M-必填 col 是请求columns中的一个字段,具体的响应数据格式参考“标签字典”。如果请求字段columns中包含多个值,则响应结果有多个与之对应的结果。   
持卡人银行卡信息查询
接口描述
根据身份证号或者手机号查询持卡人所持有的银行卡以及对应发卡行信息。
请求方式
POST
生产地址
https://openapi.unionpay.com/upapi/upcardtag/cardNo
测试地址
敬请期待
请求URL参数
名称 标识 字段类型 长度 请求要求 默认值 备注
产品token token string M-必填 详情请参考“获取token”接口中应答参数“token”的具体数据。   
签名信息 sign string M-必填 详细签名算法可参考“技术指南”板块第3条。   
时间戳 ts long M-必填 单位:毫秒,对于Java一般使用System.currentTimeMillis();获取。   
请求报文体参数
名称 标识 字段类型 长度 请求要求 默认值 备注
身份证号 idNum string 20 O-选填 选填,手机号和身份证号码必须有一个出现。   
手机号 phoneNo string 11 O-选填 选填,手机号和身份证号码必须有一个出现。   
同步应答参数
名称 标识 字段类型 长度 请求要求 默认值 备注
应答码 respCd string 4 M-必填 参考左侧菜单“应答码参照”   
应答消息 respMsg string M-必填 如果respCd不是0000,该字段解释了具体的出错原因。   
应答报文 result map C-依条件必填   
银行卡信息 cardList string 2 M-必填 脱敏的银行卡号列表以及卡属性信息。   
银行卡发卡行 iss_ins_cd string M-必填 发卡行   
银行卡卡等级 card_attr_cd string M-必填 卡等级   
银行卡卡号 cardno long M-必填 脱敏银行卡号   
批量人级标签查询
接口描述
根据身份证号或者手机号查询批量查询(多月份)持卡人标签信息
请求方式
POST
生产地址
https://openapi.unionpay.com/upapi/upcardtag/batchTagInfo
测试地址
敬请期待
请求URL参数
名称 标识 字段类型 长度 请求要求 默认值 备注
产品token token string M-必填 详情请参考“获取token”接口中应答参数“token”的具体数据。   
签名信息 sign string M-必填 详细签名算法可参考“技术指南”板块第3条。   
时间戳 ts long M-必填 单位:毫秒,对于Java一般使用System.currentTimeMillis();获取。   
请求报文体参数
名称 标识 字段类型 长度 请求要求 默认值 备注
身份证号 idNum string 20 O-选填 选填,手机号和身份证号码必须有一个出现   
手机号 phoneNo string 11 O-选填 选填,手机号和身份证号码必须有一个出现   
查询开始时间 startdate string 8 M-必填 必填,开始时间格式为yyyyMM例如201807   
查询结束时间 enddate string 8 M-必填 必填,开始时间格式为yyyyMM例如201808   
标签列表 columns string M-必填 可选值参见“标签字典”内的所有标签,以逗号分隔,如:标签1,标签2,标签3。   
同步应答参数
名称 标识 字段类型 长度 请求要求 默认值 备注
应答码 respCd string 4 M-必填 参考左侧菜单“应答码参照”   
应答消息 respMsg string M-必填 如果respCd不是0000,该字段解释了具体的出错原因。   
应答报文 result map C-依条件必填   
日期 date string M-必填 date是请求参数中startdate 和enddate之间的每一个月份,格式为yyyyMM.   
标签ID col string M-必填 col 是请求columns中的一个字段,具体的响应数据格式参考“应答码参照”。如果请求字段columns中包含多个值,则响应结果有多个与之对应的结果。   
卡统计标签查询
接口描述
根据银行卡号查询卡统计标签信息。
请求方式
POST
生产地址
https://openapi.unionpay.com/upapi/upcardtag/queryTagByCardNo
测试地址
敬请期待
请求URL参数
名称 标识 字段类型 长度 请求要求 默认值 备注
产品token token string M-必填 详情请参考“获取token”接口中应答参数“token”的具体数据。   
签名信息 sign string M-必填 详细签名算法可参考“技术指南”板块第3条。   
时间戳 ts long M-必填 单位:毫秒,对于Java一般使用System.currentTimeMillis();获取。   
请求报文体参数
名称 标识 字段类型 长度 请求要求 默认值 备注
卡号 cardNo string 20 M-必填 必填,银行卡号   
查询开始时间 startdate string 8 M-必填 必填,开始时间格式为yyyyMM例如201807   
查询结束时间 enddate string 8 M-必填 必填,开始时间格式为yyyyMM例如201808   
标签列表 columns string M-必填 可选值参见“标签字典”内的所有标签,以逗号分隔,如:标签1,标签2,标签3。   
同步应答参数
名称 标识 字段类型 长度 请求要求 默认值 备注
应答码 respCd string 4 M-必填 参考左侧菜单“应答码参照”   
应答消息 respMsg string M-必填 如果respCd不是0000,该字段解释了具体的出错原因。   
应答报文 result map C-依条件必填   
标签ID col string M-必填 col 是请求columns中的一个字段,具体的响应数据格式参考“应答码参照”。如果请求字段columns中包含多个值,则响应结果有多个与之对应的结果。   
卡特征标签查询
接口描述
根据银行卡号查询卡特征标签信息(没有时间概念)。
请求方式
POST
生产地址
https://openapi.unionpay.com/upapi/upcardtag/queryCardProperties
测试地址
敬请期待
请求URL参数
名称 标识 字段类型 长度 请求要求 默认值 备注
产品token token string M-必填 详情请参考“获取token”接口中应答参数“token”的具体数据。   
签名信息 sign string M-必填 详细签名算法可参考“技术指南”板块第3条。   
时间戳 ts long M-必填 单位:毫秒,对于Java一般使用System.currentTimeMillis();获取。   
请求报文体参数
名称 标识 字段类型 长度 请求要求 默认值 备注
卡号 cardNo string 20 M-必填 必填,银行卡号   
标签列表 columns string M-必填 可选值参见“标签字典”内的所有标签,以逗号分隔,如:标签1,标签2,标签3。   
同步应答参数
名称 标识 字段类型 长度 请求要求 默认值 备注
应答码 respCd string 4 M-必填 参考左侧菜单“应答码参照”   
应答消息 respMsg string M-必填 如果respCd不是0000,该字段解释了具体的出错原因。   
应答报文 result map C-依条件必填   
标签ID col string M-必填 col 是请求columns中的一个字段,具体的响应数据格式参考“应答码参照”。如果请求字段columns中包含多个值,则响应结果有多个与之对应的结果。   
联系我们

业务咨询: 谭乾

021-20633914

tanqian@unionpay.com

技术咨询: 张明虎

021-20632674

zhangminghu@unionpay.com

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