一代征信报告OCR识别

一、接口描述

1. 功能描述

该 API 用于识别提取征信报告上的文字信息。

2. 接口数据要求:

  1. 编码格式:UTF-8

  2. 文件要求

    • 格式为 PDF
    • 小于等于 100 MB

3. 接口使用:

平台为每个API提供试用体验服务,您在AI市场选择“免费试用”规格下单后,即可开始体验业内领先的人工智能API服务。 免费试用服务具有调用量、QPS限制,如需更高性能的API服务,可以提交咨询工单,联系京东AI扩容购买。

在获得使用权限后,您可使用已经封装好的SDK/参照接口鉴权规则进行相应开发,整体流程详见 接入流程
用户需要使用完整的征信报告PDF的base64编码去做请求,使用其他数据的base64编码请求成功时也会加入计费。

二、请求说明

1. 接口地址 :

https://aiapi.jd.com/deepfinch/ocr_pdf_credit_report

2. 请求方式:

 post

3. 请求参数

(1)query请求参数

公共请求参数

名称 类型 必填 示例值 描述
appkey String 80d2b762ecb86593f9668526920f46c 您的appkey,可在买家中心控制台中获取
timestamp long 1541491668060 请求的时间戳,精确到毫秒,timestamp有效期5分钟
sign String 2e148773a0337a8f2200ba90d445f083 签名,根据规则MD5(sectetkey+timestamp)

(2)header请求参数

业务请求参数

名称 类型 必填 示例值 描述
Content-Type String application/json 标准编码格式

(3)body请求参数

业务请求参数

名称 类型 必填 描述
image_base64 String 图片的base64格式数据
body输入示例:
{
   "image_base64": "xxxxxx"
}

三、返回说明

1.返回参数

(1)公共返回参数

名称 类型 示例值 描述
code string 1000 参见下方错误码-系统级错误码
charge boolean false 或 true false:不扣费, true:扣费
remainTimes long 1305 剩余调用次数;免费api:每天剩余调用次数;收费api:剩余次数;无限制时为-1
remainSeconds long 1223456 剩余调用时间(s);免费api:-1;收费api:剩余调用时间;无限制时为-1
msg string 查询成功 参见下方错误码-系统级错误码
result object {...} 查询结果

(2)业务返回参数

字段 类型 说明
status string 状态,正常为 OK ,其他值表示失败,详见错误码
structured_result object 结构化信息,详见返回结果

structured_result字段信息

字段 类型 说明
serialNo string 报告编号
askAt string 查询请求时间
createAt string 报告时间
whoWasChecked string 被查询者姓名
idType string 被查询者证件类型
idNum string 被查询者证件号码
organization string 查询操作机构
operator string 查询操作人
reason string 查询原因
profile object 个人基本信息
creditInfo object 信用提示
overdueBreachOutline object 呆帐、资产处置、保证人代偿信息汇总
overDueInfoCollection object 逾期(透支)信息汇总
noPayedInfoCollection object 未结清贷款信息汇总
destroyedCrtCardCollection object 未销户贷记卡信息汇总
noDestroyedQuasiCrtCardCollection object 未销户准贷记卡信息汇总
guaranteeCollection object 对外担保信息汇总
assetsDisposal objectArray 资产处置信息
assurerRepayInfos objectArray 保证人代偿信息
loans objectArray 贷款
creditCards objectArray 贷记卡
quasiCreditCards objectArray 准贷记卡
loanGuaranteeInfos objectArray 对外贷款担保信息
creditCardGuaranteeInfos objectArray 对外信用卡担保信息
owedTaxesRecord objectArray 欠税记录
civilJudgmentRecord objectArray 民事判决记录
forceExecutions objectArray 强制执行记录
administrativePenaltyRecord objectArray 行政处罚记录
houseFundPayedRecord objectArray 住房公积金参缴记录
socialSecuritys objectArray 养老保险金缴存记录
subsistenceAllowanceRecord objectArray 低保救助记录
competenceRecordInfos objectArray 执业资格记录
administrativeRewardRecord objectArray 行政奖励记录
carTradeOrPledges objectArray 车辆交易和抵押记录
telRecord objectArray 电信缴费记录
checkedRecord object 查询记录汇总
checkDetails objectArray 机构查询记录明细
querySelfRecordDetail objectArray 本人查询记录明细

2.返回示例

返回结果
{
    "serialNo": "报告编号",
    "askAt": "查询请求时间",
    "createAt": "报告时间",
    "whoWasChecked": "被查询者姓名",
    "idType": "被查询者证件类型",
    "idNum": "被查询者证件号码",
    "organization": "查询操作机构",
    "operator": "查询操作人",
    "reason": "查询原因",
    "profile": {
        "gender": "性别",
        "genderOrganization": "性别数据发生机构名称",
        "birthday": "出生日期",
        "birthdayOrganization": "出生日期数据发生机构名称",
        "isMarried": "婚姻状况",
        "isMarriedOrganization": "婚姻状况数据发生机构名称",
        "mobile": "手机号码",
        "mobileOrganization": "手机号码数据发生机构名称",
        "officeTel": "单位电话",
        "officeTelOrganization": "单位电话数据发生机构名称",
        "homeTel": "住宅电话",
        "homeTelOrganization": "住宅电话数据发生机构名称",
        "education": "学历",
        "educationOrganization": "学历数据发生机构名称",
        "qualification": "学位",
        "qualificationOrganization": "学位数据发生机构名称",
        "postAddr": "通讯地址",
        "postAddrOrganization": "通讯地址数据发生机构名称",
        "registerAddr": "户籍地址",
        "registerAddrOrganization": "户籍地址数据发生机构名称",
        "connubialInfo": {
            "name": "姓名",
            "idType": "证件类型",
            "idNum": "证件号码",
            "compony": "工作单位",
            "tel": "联系电话",
            "connubialInfoOrganization": "配偶信息数据发生机构名称"
        },
        "livedInfos": [{
              "no": "编号",
            "address": "居住地址",
            "status": "居住状况",
            "updateAt": "信息更新日期",
            "livedInfosOrganization": "居住信息数据发生机构名称"
        }],
        "experiences": [{
            "no": "编号",
            "company": "工作单位",
            "address": "单位地址",
            "jobNature": "职业",
            "industry": "行业",
            "title": "职务",
            "level": "职称",
            "startedAt": "进入本单位年份",
            "updateAt": "信息更新日期",
            "experiencesOrganization": "职业信息数据机构名称"
        }]
    },
    "creditInfo": {
        "houseLoansNum": "个人住房贷款笔数",
        "commercialHouseLoansNum": "个人商用房(包括商住两用)贷款笔数",
        "otherLoansNum": "其他贷款笔数",
        "firstLoanGotAt": "首笔贷款发放月份",
        "creditCardsNum": "贷记卡账户数",
        "firstCreditCardGotAt": "首张贷记卡发卡月份",
        "quasiCardsNum": "准贷记卡账户数",
        "firstQuasiCardGotAt": "首张准贷记卡发卡月份",
        "selfDeclaredNum": "本人声明数目",
        "objectionLabelNum": "异议标注数目"
    },
    "overdueBreachOutline": {
        "badDebtsNumber": "呆账信息汇总笔数",
        "badDebtsBalance": "呆账信息汇总余额",
        "assetsDisposalNumber": "资产处置信息汇总笔数",
        "assetsDisposalBalance": "资产处置信息汇总余额",
        "guarantorCompensationNumber": "保证人代偿信息汇总笔数",
        "guarantorCompensationBalance": "保证人代偿信息汇总余额"
    },
    "overDueInfoCollection": {
        "loanNum": "贷款逾期笔数",
        "loanMonth": "贷款逾期月份数",
        "loanMaxAmount": "贷款逾期单月最高逾期总额",
        "loanMaxMonths": "贷款逾期最长逾期月数",
        "crdCardAccounts": "贷记卡逾期账户数",
        "crdCardMonth": "贷记卡逾期月份数",
        "crdCardMaxAmount": "贷记卡逾期单月最高逾期总额",
        "crdCardMaxMonths": "贷记卡逾期最长逾期月数",
        "qcCardAccounts": "准贷记卡60天以上透支账户数",
        "qcCardMonth": "准贷记卡60天以上透支月份数",
        "qcCardMaxAmount": "准贷记卡60天以上透支单月最高透支余额",
        "qcCardMaxMonths": "准贷记卡60天以上透支最长透支月数"
    },
    "noPayedInfoCollection": {
        "companys": "贷款法人机构数",
        "organizations": "贷款机构数",
        "num": "笔数",
        "amount": "合同总额",
        "surplusAmount": "余额",
        "avg6monthPay": "最近6个月平均应还款"
    },
    "destroyedCrtCardCollection": {
        "companys": "发卡法人机构数",
        "organizations": "发卡机构数",
        "accounts": "账户数",
        "amount": "授信总额",
        "maxAmount": "单家行最高授信额",
        "leastAmount": "单家行最低授信额",
        "usedAmount": "已用额度",
        "avg6monthPay": "最近6个月平均使用额度"
    },
    "noDestroyedQuasiCrtCardCollection": {
        "companys": "发卡法人机构数",
        "organizations": "发卡机构数",
        "accounts": "账户数",
        "amount": "授信总额",
        "maxAmount": "单家行最高授信额",
        "leastAmount": "单家行最低授信额",
        "surplusAmount": "透支余额",
        "avg6monthOverdraft": "最近6个月平均透支余额"
    },
    "guaranteeCollection": {
        "count": "担保笔数",
        "amount": "担保金额",
        "balance": "担保本金余额"
    },
    "assetsDisposal":[{
        "no": "编号",
        "assetsCompany": "资产管理公司",
        "debtReceiveDate": "债务接收日期",
        "debtAmount": "接收的债权金额",
        "latestRepayDate": "最近一次还款日期",
        "balance": "余额"
    }],
    "assurerRepayInfos": [{
        "no": "编号",
        "organName": "代偿机构",
        "latestAssurerRepayDate": "最近一次代偿日期",
        "money": "累计代偿金额",
        "latestRepayDate": "最近一次还款日期",
        "balance": "余额"
    }],
    "loans": [{
        "serialNo": "编号",
        "businessNo": "业务号",
        "organization": "贷款发放机构",
        "amount": "贷款金额",
        "currency": "币种",
        "periods": "贷款期数",
        "rate": "还款频率",
        "type": "贷款类型",
        "guarantee": "担保方式",
        "startAt": "发放日期",
        "endAt": "到期日期",
        "finAt": "截至日期",
        "startRt": "开始还款日期",
        "endRt": "结束还款日期",
        "status": "账户状态",
        "category": "五级分类",
        "balance": "本金余额",
        "surplusPaymentNum": "剩余还款期数",
        "scheduledPayment": "本月应还款",
        "scheduledPayAt": "应还款日",
        "currPayed": "本月实还款",
        "lastPayedAt": "最近一次还款日期",
        "currOverduePeriods": "当前逾期期数",
        "currOverdue": "当前逾期金额",
        "overdue31Tp60": "逾期31-60天未还本金",
        "overdue61Tp90": "逾期61-90天未还本金",
        "overdue91Tp180": "逾期91-180天未还本金",
        "overdue180": "逾期180天以上未还本金",
        "last24Status": "最近24个月还款记录",
        "overdueRecordSummary": {
            "startAt": "开始日期",
            "endAt": "结束日期",
            "records ": [{
                "overdueMonth": "逾期月份",
                "overdueMonthsNum": "逾期持续月数",
                "amount": "逾期金额"
            }]
        },
        "speBusinesses": [{
            "type": "特殊交易类型",
            "startAt": "发生日期",
            "changeMonths": "变更月数",
            "amount": "发生金额",
            "detail": "明细记录"
        }]
    }],
    "creditCards": [{
        "serialNo": "编号",
        "businessNo": "业务号",
        "organization": "发卡机构",
        "amount": "授信额度金额",
        "amountType": "授信额度",
        "sharedAmount": "共享授信额度金额",
        "sharedAmountType": "共享授信额度",
        "accountCategory": "账户类型",
        "guarantee": "担保方式",
        "startAt": "发卡日期",
        "finAt": "截至日期",
        "balance": "余额",
        "status": "账户状态",
        "used": "已用额度",
        "avgUsed6Months": "最近6个月平均使用额度",
        "maxAmount": "最大使用额度",
        "scheduledPayed": "本月应还款",
        "payAt": "账单日",
        "payed": "本月实还款",
        "lastPayedAt": "最近一次还款日期",
        "currOverduePeriods": "当前逾期期数",
        "currOverdue": "当前逾期金额",
        "startRt": "开始还款日期",
        "endRt": "结束还款日期",
        "last24Status": "最近24个月还款记录",
        "overdueRecordSummary": {
            "startAt": "开始日期",
            "endAt": "结束日期",
            "records ": [{
                "overdueMonth": "逾期月份",
                "overdueMonthsNum": "逾期持续月数",
                "amount": "逾期金额"
            }]
        },
        "speBusinesses": [{
            "type": "特殊交易类型",
            "startAt": "发生日期",
            "changeMonths": "变更月数",
            "amount": "发生金额",
            "detail": "明细记录"
        }]
    }],
    "quasiCreditCards": [{
        "serialNo": "编号",
        "businessNo": "业务号",
        "organization": "发卡机构",
        "amount": "授信额度金额",
        "amountType": "授信额度",
        "sharedAmount": "共享授信额度金额",
        "sharedAmountType": "共享授信额度",
        "accountCategory": "账号种类",
        "guarantee": "担保方式",
        "startAt": "发卡日期",
        "finAt": "截至日期",
        "balance": "余额",
        "status": "账户状态",
        "surplusOverdraft": "透支余额",
        "avgSurOver6Months": "最近6个月平均透支余额",
        "maxSurplusOverdraft": "最大透支余额",
        "payAt": "账单日",
        "payed": "本月实还款",
        "lastPayedAt": "最近一次还款日期",
        "noPayedOver180": "透支180天以上未付余额",
        "startRt": "开始还款日期",
        "endRt": "结束还款日期",
        "last24Status": "最近24个月还款记录",
        "overdraftRecordSummary": {
            "startAt": "开始日期",
            "endAt": "结束日期",
            "records": [{
                "month": "透支月份",
                "keepMonths": "透支持续月数",
                "amount": "透支金额"
            }]
        },
        "speBusinesses": [{
            "type": "特殊交易类型",
            "startAt": "发生日期",
            "changeMonths": "变更月数",
            "amount": "发生金额",
            "detail": "明细记录"
        }]

    }],
    "loanGuaranteeInfos": [{
        "id": "编号",
        "organization": "担保贷款发放机构",
        "amount": "担保贷款合同金额",
        "gotAt": "担保贷款发放日期",
        "expireAt": "担保贷款到期日期",
        "guaranteeAmount": "担保金额",
        "balance": "担保贷款本金余额",
        "category": "担保贷款五级分类",
        "payAt": "应还款日""guarantorName": "被担保人姓名",
        "guarantorIdType": "被担保人证件类型",
        "guarantorId": "被担保人证件号码"
    }],
    "creditCardGuaranteeInfos": [{
        "id": "编号",
        "organization": "担保信用卡发放机构",
        "amount": "担保信用卡授信额度",
        "gotAt": "担保信用卡发卡日期",
        "guaranteeAmount": "担保金额",
        "used": "担保信用卡已用额度",
        "payAt": "账单日"
    }],
    "owedTaxesRecord": [{
        "no": "编号",
        "competentTaxAuthorities": "主管税务机关",
        "taxesTotal": "欠税总额",
        "taxRegistrationDate": "欠税统计日期"
    }],
    "civilJudgmentRecord": [{
        "no": "编号",
        "court": "立案法院",
        "caseReason": "案由",
        "registerDate": "立案日期",
        "closedType": "结案方式",
        "sentenceResult": "判决/调解结果",
        "sentenceResultDate": "判决/调解生效日期",
        "actionObject": "诉讼标的",
        "actionObjectMoney": "诉讼标的金额"
    }],
    "forceExecutions": [{
        "no": "编号",
        "court": "执行法院",
        "caseReason": "执行案由",
        "registerDate": "立案日期",
        "closedType": "结案方式",
        "caseState": "案件状态",
        "closedDate": "结案日期",
        "enforceObject": "申请执行标的",
        "enforceObjectMoney": "申请执行标的价值",
        "alreadyEnforceObject": "已执行标的",
        "alreadyEnforceObjectMoney": "已执行标的金额"
    }],
    "administrativePenaltyRecord": [{
        "no": "编号",
        "punishmentOrganization": "处罚机构",
        "punishmentContent": "处罚内容",
        "punishmentAmount": "处罚金额",
        "effectDate": "生效日期",
        "closeDate": "截止日期",
        "administrationReviewOrg": "行政复议结果"
    }],
    "houseFundPayedRecord": [{
        "no": "编号",
        "address": "参缴地",
        "payAt": "参缴日期",
        "firstPayedAt": "初缴月份",
        "lastPayedAt": "缴至月份",
        "status": "缴费状态",
        "amount": "月缴存额",
        "personalPercent": "个人缴存比例",
        "componyPercent": "单位缴存比例",
        "compony": "缴费单位",
        "updateAt": "信息更新日期"
    }],
    "socialSecuritys": [{
        "no": "编号",
        "ginsengto": "参保地",
        "insuredDate": "参保日期",
        "countMonth": "累计缴费月数",
        "jobMonth": "参加工作月份",
        "status": "缴费状态",
        "personageCostNumber": "个人缴费基数",
        "monthAmount": "本月缴费金额",
        "messageUpdateDate": "信息更新日期",
        "unit": "缴费单位",
        "cause": "中断或终止缴费原因"
    }],
    "subsistenceAllowanceRecord": [{
        "no": "编号",
        "personType": "人员类别",
        "location": "所在地",
        "company": "工作单位",
        "familyMonthlyIncome": "家庭月收入",
        "applicationDate": "申请日期",
        "approvalDate": "批准日期",
        "updateDate": "信息更新日期"
    }],
    "competenceRecordInfos": [{
        "no": "编号",
        "competencyname": "执业资格名称",
        "grade": "等级",
        "awarddate": "获得日期",
        "enddate": "到期日期",
        "revokedate": "吊销日期",
        "organname": "颁发机构",
        "area": "机构所在地"
    }],
    "administrativeRewardRecord": [{
        "no": "编号",
        "rewardOrganization": "奖励机构",
        "rewardContent": "奖励内容",
        "effectDate": "生效日期",
        "closeDate": "截止日期"
    }],
    "carTradeOrPledges": [{
        "no": "编号",
        "licensecode": "车牌号码",
        "enginecode": "发动机号",
        "brand": "品牌",
        "cartype": "车辆类型",
        "usecharacter": "使用性质",
        "state": "车辆状态",
        "pledgeflag": "抵押标记",
        "gettime": "信息更新日期"
    }],
    "telRecord": [{
        "no": "编号",
        "companyNo": "电信运营商",
        "busiType": "业务类型",
        "openDate": "业务开通日期",
        "status": "当前缴费状态",
        "oweMoney": "当前欠费金额",
        "oweNum": "当前欠费月数",
        "acctDate": "记账年月",
        "pay24Months": "最近24个月缴费记录"
    }],
    "checkedRecord": {
        "lastMonthLoanCheckOrgs": "最近1个月内的贷款审批查询机构数",
        "lastMonthCardCheckOrgs": "最近1个月内的信用卡审批查询机构数",
        "lastMonthLoanCheck": "最近1个月内的贷款审批查询次数",
        "lastMonthCardCheck": "最近1个月内的信用卡审批查询次数",
        "lastMonthCheckBySelf": "最近1个月内的本人查询次数",
        "last2YearsAfterLoaned": "最近2年内的贷后管理查询次数",
        "last2YearsQualificationCheck": "最近2年内的担保资格审查查询次数",
        "last2YearsVIPNameCheck": "最近2年内的特约商户实名审查查询次数"
    },
    "checkDetails": [{
        "no": "编号",
        "checkedAt": "查询日期",
        "operator": "查询操作员",
        "reason": "查询原因"
    }],
    "querySelfRecordDetail": [{
        "no": "编号",
        "queryDate": "查询日期",
        "queryOperator": "查询操作员",
        "queryReason": "查询原因"
    }]
}

四、错误码信息

以下请求参数列表仅列出了接口请求参数,其它参数见公共请求参数页面。

状态码 status 字段 说明
400 INVALID_ARGUMENT 请求参数错误
400 DETECTION_FAILED 图片检测失败
401 UNAUTHORIZED 未授权或授权失败
401 KEY_EXPIRED 账号过期
403 NO_PERMISSION 无调用权限
403 OUT_OF_QUOTA 调用次数超出限额
403 RATE_LIMIT_EXCEEDED 调用频率超出限额
404 NOT_FOUND 请求路径错误
500 INTERNAL_ERROR 服务器内部错误

备注: 以上40X系列错误描述请参考reason字段

输出样例
{
  "status": "PARAMETER_MISSING",
  "reason": "param is missing or the value is empty: file"
}
Copyright © JD AI Platform all right reserved,powered by GitbookFile Modify: 2020-11-26 03:27:28

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