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OpenAPI
基于银联自身的转接交易数据以及联防联控平台的协作数据,结合长期积累的风险防控实践经验,为成员机构提供可疑交易的智能侦测、监控和决策服务。
报文举例

1.报文举例-获取token:


请求URL:

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


应答JSON报文体:

{
           “respCd”:“0000”
           “respMsg”:“成功”
           “token”:”fsddfssseessseee”,
           “expire_in”:7200
}


2.报文举例-可疑案例获取


请求URL:

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


请求报文参数:

{
        
        “service_tp”:“URM01”,
        
        “ins_id_cd”:“00010000”,
        
        “trans_src”:“1”,
        
        “begin_ts”:“ 2018-09-11 00:00:00”,
        
        “end_ts”:“2018-09-11 00:00:10”,
        
        “page_no”:0
        
}


应答JSON报文体:

{
  “respCd”:“0000”,
  “respMsg”: “”, 
  “data”:{
    “case_num”:“2”,
    “page_no”:0,
        “total_page_num”:1,
        “total_record_num”:2,
    “query_result”:“0000”,
    “case”:[
      {
           “ar_pri_acct_no”:“”,
                “tfr_dt_tm”:“”,
                “sys_tra_no”:“”,
        “acpt_ins_id_cd”:“”,
        “fwd_ins_id_cd”:“”,
        “tfr_in_in”:“”,
        “curr_trans_tm”:“”,
        “acq_ins_id_cd”:“”,
        “iss_ins_id_cd”:“”,
        “card_class”:“”,
        “card_attr”:“”,
        “retri_ref_no”:“”,
        “resp_cd”:“”,
        “trans_id”:“”,
        “googs_tp”:“”,
        “trans_chnl”:“”,
        “trans_at”:“”,
        “trans_curr_cd”:“”,
        “loc_trans_tm”:“”,
        “loc_trans_dt”:“”,
        “mchnt_tp”:“”,
        “pos_entry_md_cd”:“”,
        “term_id”:“”,
        “mchnt_cd”:“”,
        “mchnt_nm”:“”,
        “trans_region”:“”,
        “trans_nation”:“”,
        “mobile”:“”,
        “client_ip”,
        “rule_id1”:“”,
        “rule_desc1”:“”,
        “rule_risk_lv1”:“”,
        “rule_id2”:“”,
        “rule_desc2”:“”,
        “rule_risk_lv2”:“”,
        “rule_id3”:“”,
        “rule_desc3”:“”,
        “rule_risk_lv3”:“”,
        “rule_id4”:“”,
        “rule_desc4”:“”,
        “rule_risk_lv4”:“”,
        “rule_id5”:“”,
        “rule_desc5”:“”,
        “rule_risk_lv5”:“”,
        “rule_prio_sum”:,
        “trans_src”:“”
        “line_id”:“”
        “event_id”:“”
        “fwd_sys_id”:“”
      },
      {
           “ar_pri_acct_no”:“”,    
                “tfr_dt_tm”:“”,
                “sys_tra_no”:“”,
        “acpt_ins_id_cd”:“”,
        “fwd_ins_id_cd”:“”,
        “tfr_in_in”:“”,
        “curr_trans_tm”:“”,
        “acq_ins_id_cd”:“”,
        “iss_ins_id_cd”:“”,
        “card_class”:“”,
        “card_attr”:“”,
        “retri_ref_no”:“”,
        “resp_cd”:“”,
        “trans_id”:“”,
        “googs_tp”:“”,
        “trans_chnl”:“”,
        “trans_at”:“”,
        “trans_curr_cd”:“”,
        “loc_trans_tm”:“”,
        “loc_trans_dt”:“”,
        “mchnt_tp”:“”,
        “pos_entry_md_cd”:“”,
        “term_id”:“”,
        “mchnt_cd”:“”,
        “mchnt_nm”:“”,
        “trans_region”:“”,
        “trans_nation”:“”,
        “mobile”:“”,
        “client_ip”,
        “rule_id1”:“”,
        “rule_desc1”:“”,
        “rule_risk_lv1”:“”,
        “rule_id2”:“”,
        “rule_desc2”:“”,
        “rule_risk_lv2”:“”,
        “rule_id3”:“”,
        “rule_desc3”:“”,
        “rule_risk_lv3”:“”,
        “rule_id4”:“”,
        “rule_desc4”:“”,
        “rule_risk_lv4”:“”,
        “rule_id5”:“”,
        “rule_desc5”:“”,
        “rule_risk_lv5”:“”,
        “rule_prio_sum”:,
        “trans_src”:“”
        “line_id”:“”
        “event_id”:“”
        “fwd_sys_id”:“”
      }
    ]
  }
}


3.报文举例-调查结果回传


请求URL:

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


请求报文参数:

{
    “service_tp”:“URM02”,
    “bus_mgm_ins_id_cd”:“00010000”,
    “ar_pri_acct_no”:“”,
    “tfr_dt_tm”:“”,
    “sys_tra_no”:“”,
    “acpt_ins_id_cd”:“”,
    “fwd_ins_id_cd” :“”,
    “tfr_in_in” :“”,
    “trans_src” :“”,
    “line_id” :“”,
    “event_id” :“”,
    “fwd_sys_id” :“”,
    “invgt_result”:0
}


应答JSON报文体:

{
“respCd”:“0000”,
“respMsg”: “”, 
“data”: 
  {
    “submit_result”: “0000”
  }
}


4.报文举例-资金延迟结算任务获取


请求URL:

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

 

请求报文参数:

{
        “service_tp”:”FDS01”,
        “ins_id_cd”:”00010000”,
        “trans_begin_dt”:” 20180911”,
        “trans_end_dt”:”20180911”,
        “page_no”:0
}


应答JSON报文体:

{
   “respCd”:”0000”,
   “respMsg”: “处理成功”, 
   “data”:{
        “case_num”:”2”,
        “page_no”:0,
        “total_page_num”:1,
        “total_record_num”:2,
        “query_result”,“0000”,
        “case”:[
          {
            “ar_pri_acct_no”:“”,
            “trans_dt”:“”,
            “trans_tm”:“”,
            “trans_at”:“”, 
            “trans_id”:“”,
            “trans_chnl”:“”,
            “resp_cd”:“”,
            “mchnt_cd”:“”,
            “mchnt_nm”:“”,
            “mchnt_tp”:“”,
            “term_id”:“”,
            “iss_ins_id_cd”:“”,
            “acq_ins_id_cd”:“”,
            “trans_region”:“”,
            “trans_cntry”:“”,
            “card_attr”:“”,
            “pos_entry_md_cd”:“”,
            “sys_tra_no”:””,
            “delay_settle_req_ts”:“”,
            “mchnt_settle_md”:“”,
            “delay_settle_res”:“”,
            “delay_settle_req_res_ts”:“”,
            “req_file_submit_ts”:“”,
            “req_file_check_res”:“”,
            “req_file_check_comments”:“”,
            “delay_proc_res”:“”,
            “delay_proc_file_submit_ts”:“”,
            “delay_proc_file_check_res”:“”,
            “delay_proc_file_check_comments”:“”,
            “evi_file_submit_ts”:“”,
            “evi_file_check_res”:“”
            “evi_file_check_comments”:“”,
            “fund_return_neg_res_submit_ts”:“”,
            “fund_return_neg_res”:“”,
            “fund_return_neg_res_comments”:“”,
            “fund_return_file_submit_ts”:“”,
            “fund_return_file_check_res”:“”,
            “fund_return_file_check_comments”:“”,
            “delay_release_file_submit_ts”:“”,
            “delay_release_file_check_res”:“”,
            “delay_release_file_check_comments”:“”,
            “task_tp”:“”
                    },
                   {
                    “ar_pri_acct_no”:“”,
                    “trans_dt”:“”,
                    “trans_tm”:“”,
                    “trans_at”:“”, 
                    “trans_id”:“”,
                    “trans_chnl”:“”,
                    “resp_cd”:“”,
                    “mchnt_cd”:“”,
                    “mchnt_nm”:“”,
                    “mchnt_tp”:“”,
                    “term_id”:“”,
                    “iss_ins_id_cd”:“”, 
                    “acq_ins_id_cd”:“”,
                    “trans_region”:“”,
                    “trans_cntry”:“”,
                    “card_attr”:“”,
                    “pos_entry_md_cd”:“”,
                    “sys_tra_no”:“”,
                    “delay_settle_req_ts”:“”,
                    “mchnt_settle_md”:“”,
                    “delay_settle_res”:“”,
                    “delay_settle_req_res_ts”:“”,
                    “req_file_submit_ts”:“”,
                    “req_file_check_res”:“”,
                    “req_file_check_comments”:“”,
                    “delay_proc_res”:“”,
                    “delay_proc_file_submit_ts”:“”,
                    “delay_proc_file_check_res”:“”,
                    “delay_proc_file_check_comments”:“”,
                    “evi_file_submit_ts”:“”,
                    “evi_file_check_res”:“”
                    “evi_file_check_comments”:“”,
                    “fund_return_neg_res_submit_ts”:“”,
                    “fund_return_neg_res”:“”,
                    “fund_return_neg_res_comments”:“”,
                    “fund_return_file_submit_ts”:“”,
                    “fund_return_file_check_res”:“”,
                    “fund_return_file_check_comments”:“”,
                    “delay_release_file_submit_ts”:“”,
                    “delay_release_file_check_res”:“”,
                    “delay_release_file_check_comments”:“”,
                    “task_stat”:“”
          }
        ]
      }
}

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