二代征信报告OCR识别

一、接口描述

1. 功能描述

该 API 用于识别提取第二代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

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文件的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_v2_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
result object 结构化信息,详见返回结果
表头字段
字段 说明
creditHeader 报告头
otherIdInfo 其他证件信息
antiHackInfo 防欺诈警示
personBasicInfo 个人基本信息
personInfo 身份信息
connubialInfo 配偶信息
livedInfos 居住信息
experiences 职业信息
infoSummary 信息概要
creditTransInfoHint 信贷交易信息提示
creditTransBreachInfoSummary 信贷交易违约信息概要
recourseInfoSummary 被追偿信息汇总
badDebtsSummary 呆帐信息汇总
overdueInfoCollection 逾期透支信息汇总
creditTransExtensionAndDebtSummary 信贷交易授信及负债信息概要
acyclicLoanAccountInfoSummary 非循环贷账户信息汇总
cyclicalAmountAccountInfoSummary 循环额度下分账户信息汇总
cyclicalLoanAccountInfoSummary 循环贷账户信息汇总
creditAccountInfoSummary 贷记卡账户信息汇总
quasiCreditAccountInfoSummary 准贷记卡账户信息汇总
concernedRefundDutyInfoSummary 相关还款责任信息汇总
noncreditTransInfoSummary 非信贷交易信息概要
publicInfoSummary 公共信息概要
queryRecordSummary 查询记录概要
lastQueryRecord 上一次查询记录
objectionAndDescription 异议及说明信息
creditTransInfoDetail 信贷交易信息明细
recoveryInfo 被追偿信息
specialTransTypes 特殊交易信息
acyclicCreditAccount 非循环贷账户
companyInfo 机构说明
selfStatement 本人声明
objectionLabel 异议标注
specialLabel 特殊标注
refundRecord 还款记录
cyclicalAmountPerAccount 循环额度下分账户
cyclicalLoanAccount 循环贷账户
creditAccount 贷记卡账户
bigAmountSpecialPeriodInfo 大额专项分期信息
quasiCreditAccount 准贷记卡账户
concernedRefundDutyInfo 相关还款责任信息
concernRefundPersonBorrow 有相关还款责任的个人借款
concernRefundCompanyBorrow 有相关还款责任的企业借款
extensionProtocolInfo 授信协议信息
noncreditTransInfoDetail 非信贷交易信息明细
publicInfoDetail 公共信息明细
owingTaxRecord 欠税记录
civilJudgmentRecord 民事判决记录
forceExecuteRecord 强制执行记录
administrativePenaltyRecord 行政处罚记录
housingProvidentFundContributionRecord 住房公积金参缴记录
lowSecurityRescueRecord 低保救助记录
executiveQualificationRecord 执业资格记录
administrativeRewardRecord 行政奖励记录
selfDeclare 本人声明
queryRecord 查询记录
personQueryRecord 本人查询记录明细
companyQueryRecord 机构查询记录明细

2.返回示例

返回结果
{
  "creditHeader": {
    "serialNo": "报告编号",
    "reportTime": "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",
    "reason": "查询原因",
    "otherIdInfo": [{
      "type": "证件类型",
      "idNum": "证件号码"
    }],
    "antiHackInfo": {
      "warningInfo": "警示信息",
      "effectDate": "生效日期",
      "dueDate": "截至日期"
    },
    "objectionInfo": "异议信息提示"
  },
  "personBasicInfo": {
    "personInfo": {
      "gender": {
        "value": "性别",
        "organization": "数据发生机构名称"
      },
      "birthday": {
        "value": "出生日期",
        "organization": "数据发生机构名称"
      },
      "isMarried": {
        "value": "婚姻状况",
        "organization": "数据发生机构名称"
      },
      "job": {
        "value": "就业状况",
        "organization": "数据发生机构名称"
      },
      "education": {
        "value": "学历",
        "organization": "数据发生机构名称"
      },
      "qualification": {
        "value": "学位",
        "organization": "数据发生机构名称"
      },
      "country": {
        "value": "国籍",
        "organization": "数据发生机构名称"
      },
      "email": {
        "value": "电子邮箱",
        "organization": "数据发生机构名称"
      },
      "postAddr": {
        "value": "通讯地址",
        "organization": "数据发生机构名称"
      },
      "registerAddr": {
        "value": "户籍地址",
        "organization": "数据发生机构名称"
      },
      "mobile": [{
        "no": "编号",
        "mobile": "手机号码",
        "updateAt": "信息更新日期",
        "organization": "数据发生机构名称"
      }]
    },
    "connubialInfo": {
      "name": "姓名",
      "idType": "证件类型",
      "idNum": "证件号码",
      "company": "工作单位",
      "tel": "联系电话",
      "organization": "数据发生机构名称"
    },
    "livedInfos": [{
      "no": "编号",
      "address": "居住地址",
      "status": "居住状况",
      "homeTel": "住宅电话",
      "updateAt": "信息更新日期",
      "organization": "数据发生机构名称"
    }],
    "experiences": [{
      "no": "编号",
      "company": "工作单位",
      "address": "单位地址",
      "officeTel": "单位电话",
      "companyCharacter": "单位性质",
      "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",
      "organization": "数据发生机构名称"
    }]
  },
  "infoSummary": {
    "personalCreditReportExplication": {
      "digitExplication": "数字解读",
      "relativeLocation": "相对位置",
      "desc": [
          "影响因素1:存在逾期还款记录",
          "影响因素2:近期没有信用活动"
      ]
    },
    "creditTransInfoHint": {
      "totalAccountNum": "账户总数",
      "detail": {
        "loan": [{
          "type": "贷款类型, 个人住房贷款、个人商用住房贷款(包括商住两用房)、其他类型贷款",
          "accountNum": "账户数",
          "firstGotAt": "首笔贷款发放月份"
        }],
        "creditCard": [{
          "type": "信用卡类型,贷记卡、准贷记卡等",
          "accountNum": "账户数",
          "firstGotAt": "首笔贷款发放月份"
        }],
        "others": [{
          "type": "其他类型,目前包括证券融资和融资租赁业务",
          "accountNum": "账户数",
          "firstGotAt": "首笔贷款发放月份"
        }]
      }
    },
    "creditTransBreachInfoSummary": {
      "recourseInfoSummary": {
        "totalAccountNum": "账户总数",
        "surplusAmount": "余额",
        "detail": [{
          "type": "业务类型,资产处置业务、垫款业务",
          "accountNum": "账户数",
          "surplusAmount": "余额"
        }]
      },
      "badDebtsSummary": {
        "accountNum": "账户数",
        "surplusAmount": "余额"
      },
      "overdueInfoCollection": [{
        "type": "账户类型, 非循环贷账户、循环额度下分账户、循环贷账户、贷记卡账户、准贷记卡账户",
        "accountNum": "账户数",
        "monthNum": "月份数",
        "maxAmountPerMonth": "单月最高逾期/透支总额",
        "maxOverdueMonthNum": "最长逾期/透支月数"
      }]
    },
    "creditTransExtensionAndDebtSummary": {
      "acyclicLoanAccountInfoSummary": {
        "manageCompanyNum": "管理机构数",
        "accountNum": "账户数",
        "extensionAmount": "授信总额",
        "surplusAmount": "余额",
        "avg6monthPay": "最近6个月平均应还款"
      },
      "cyclicalAmountAccountInfoSummary": {
        "manageCompanyNum": "管理机构数",
        "accountNum": "账户数",
        "extensionAmount": "授信总额",
        "surplusAmount": "余额",
        "avg6monthPay": "最近6个月平均应还款"
      },
      "cyclicalLoanAccountInfoSummary": {
        "manageCompanyNum": "管理机构数",
        "accountNum": "账户数",
        "extensionAmount": "授信总额",
        "surplusAmount": "余额",
        "avg6monthPay": "最近6个月平均应还款"
      },
      "creditAccountInfoSummary": {
        "companyNum": "发卡机构数",
        "accountNum": "账户数",
        "extensionAmount": "授信总额",
        "maxAmountPerCompany": "单家机构最高授信额",
        "minAmountPerCompany": "单家机构最低授信额",
        "usedAmount": "已用额度",
        "avg6monthUsedAmount": "最近6个月平均使用额度"
      },
      "quasiCreditAccountInfoSummary": {
        "companyNum": "发卡机构数",
        "accountNum": "账户数",
        "extensionAmount": "授信总额",
        "maxAmountPerCompany": "单家机构最高授信额",
        "minAmountPerCompany": "单家机构最低授信额",
        "surplusAmount": "透支余额",
        "avg6monthOverdraftAmount": "最近6个月平均透支余额"
      },
      "concernedRefundDutyInfoSummary": {
        "forPerson": {
          "guaranteeDuty": {
            "accountNum": "账户数",
            "guaranteeAmount": "担保金额",
            "surplusAmount": "余额"
          },
          "otherRefundDuty": {
            "accountNum": "账户数",
            "refundDutyAmount": "还款责任金额",
            "surplusAmount": "余额"
          }
        },
        "forCompany": {
          "guaranteeDuty": {
            "accountNum": "账户数",
            "guaranteeAmount": "担保金额",
            "surplusAmount": "余额"
          },
          "otherRefundDuty": {
            "accountNum": "账户数",
            "refundDutyAmount": "还款责任金额",
            "surplusAmount": "余额"
          }
        }
      }
    },
    "noncreditTransInfoSummary": [{
      "type": "业务类型,电信业务、自来水业务",
      "accountNum": "账户数",
      "debtAmount": "欠款金额"
    }],
    "publicInfoSummary": [{
      "type": "信息类型,欠税信息、民事判决信息、强制执行信息、行政处罚信息",
      "recordNum": "记录数",
      "referenceAmount": "涉及金额"
    }],
    "queryRecordSummary": {
      "lastQueryRecord": {
        "date": "查询日期",
        "companyName": "机构名称",
        "detail": "查询内容"
      },
      "last1MonthQueryCompanyNum": {
        "loanApproval": "贷款审批",
        "creditApproval": "信用卡审批"
      },
      "last1MonthQueryNum": {
        "loanApproval": "贷款审批",
        "creditApproval": "信用卡审批",
        "selfQuery": "本人查询"
      },
      "last2YearQueryNum": {
        "managerAfterLoan": "贷后管理",
        "guaranteeInvestigate": "担保资格审查",
        "bespokeMerchantsRealNameInvestigate": "特约商户实名审查"
      },
      "objectionAndDescription": [{
        "objectionLabel": "异议标注",
        "addDate": "添加日期"
      }]
    }
  },
  "creditTransInfoDetail": {
    "recoveryInfo": [{
      "name": "账户1、账户2",
      "manageCompany": "管理机构",
      "type": "业务种类",
      "creditorReceivedDate": "债权接收日期",
      "originalCreditor": "原债权人",
      "originalType": "原债务业务种类",
      "creditorAmount": "债权金额",
      "stateWhenCreditorTransfer": "债权转移时的还款状态",
      "dueDate": "具体截至日期,比如截止到2011年01月08日",
      "accountState": {
        "value": "账户状态,催收(debtCollection)、结束(debtFinish)",
        "debtCollection": {
          "surplusAmount": "余额",
          "latestRepayDate": "最近一次还款日期"
        },
        "debtFinish": {
          "accountClosedDate": "账户关闭日期"
        }
      },
      "specialTransTypes": [{
        "type": "特殊交易类型",
        "occurDate": "发生日期",
        "changeMonthNum": "变更月数",
        "occurAmount": "发生金额",
        "detailRecord": "明细记录"
      }]
    }],
    "acyclicCreditAccount": [{
      "name": "账户1、账户2",
      "manageCompany": "管理机构",
      "amountId": "账户标识",
      "startDate": "开立日期",
      "deadlineDate": "到期日期",
      "refundAmount": "借款金额",
      "accountCurrencyType": "账户币种",
      "type": "业务种类",
      "guaranteeType": "担保方式",
      "refundPeriodNum": "还款期数",
      "refundFrequency": "还款频率",
      "refundType": "还款方式",
      "joinRefundFlag": "共同借款标志",
      "dueDate": "截至日期",
      "accountState": {
        "value": "账户状态,正常(normal)、逾期(overdue)同normal、司法追偿(judicialRecourse)同normal、呆账(badDebt)、 转出(transfer)、结清(clear)",
        "normal": {
          "fiveLevelType": "五级分类",
          "surplusAmount": "余额",
          "surplusPaymentNum": "剩余还款期数",
          "scheduledPayment": "本月应还款",
          "scheduledPayAt": "应还款日",
          "realPayed": "本月实还款",
          "latestRepayDate": "最近一次还款日期",
          "currOverduePeriods": "当前逾期期数",
          "currOverdueAmount": "当前逾期总额",
          "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"
        },
        "badDebt": {
          "surplusAmount": "余额",
          "latestRepayDate": "最近一次还款日期"
        },
        "transfer": {
          "transferDate": "转出月份"
        },
        "clear": {
          "accountClosedDate": "账户关闭日期"
        }
      },
      "beforeDeadlineDate": {
        "value": "某个日期以后还款记录,比如2015年05月05日以后的最新还款记录",
        "fiveLevelType": "五级分类",
        "surplusAmount": "余额",
        "refundDate": "还款日期",
        "refundAmount": "还款金额",
        "currRefundState": "当前还款状态"
      },
      "refundRecord": {
        "dateRange": "还款记录区间,比如2010年07月-2015年05月的还款记录",
        "startDate": "YYYY.mm",
        "endDate": "YYYY.mm",
        "detail": [{
          "year": "年",
          "month": [{
            "monthValue": "月份,取值1-12",
            "amount": "金额",
            "state": "状态,B、N、1、2、#"
          }]
        }]
      },
      "specialTransTypes": [{
        "type": "特殊交易类型",
        "occurDate": "发生日期",
        "changeMonthNum": "变更月数",
        "occurAmount": "发生金额",
        "detailRecord": "明细记录"
      }],
      "companyInfo": [{
        "value": "机构声明",
        "addDate": "添加日期"
      }],
      "selfStatement": [{
        "value": "本人声明",
        "addDate": "添加日期"
      }],
      "objectionLabel": [{
        "value": "异议标注",
        "addDate": "添加日期"
      }],
      "specialLabel": [{
        "value": "特殊标注",
        "addDate": "添加日期"
      }]
    }],
    "cyclicalAmountPerAccount": [{
      "name": "账户1、账户2",
      "manageCompany": "管理机构",
      "amountId": "账户标识",
      "startDate": "开立日期",
      "deadlineDate": "到期日期",
      "refundAmount": "借款金额",
      "accountCurrencyType": "账户币种",
      "type": "业务种类",
      "guaranteeType": "担保方式",
      "refundPeriodNum": "还款期数",
      "refundFrequency": "还款频率",
      "refundType": "还款方式",
      "joinRefundFlag": "共同借款标志",
      "dueDate": "截至日期",
      "accountState": {
        "value": "账户状态,正常(normal)、逾期(overdue)同normal、司法追偿(judicialRecourse)同normal、呆账(badDebt)、 转出(transfer)、结清(clear)",
        "normal": {
          "fiveLevelType": "五级分类",
          "surplusAmount": "余额",
          "surplusPaymentNum": "剩余还款期数",
          "scheduledPayment": "本月应还款",
          "scheduledPayAt": "应还款日",
          "realPayed": "本月实还款",
          "latestRepayDate": "最近一次还款日期",
          "currOverduePeriods": "当前逾期期数",
          "currOverdueAmount": "当前逾期总额",
          "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"
        },
        "badDebt": {
          "surplusAmount": "余额",
          "latestRepayDate": "最近一次还款日期"
        },
        "transfer": {
          "transferDate": "转出月份"
        },
        "clear": {
          "accountClosedDate": "账户关闭日期"
        }
      },
      "beforeDeadlineDate": {
        "value": "某个日期以后还款记录,比如2015年05月05日以后的最新还款记录",
        "fiveLevelType": "五级分类",
        "surplusAmount": "余额",
        "refundDate": "还款日期",
        "refundAmount": "还款金额",
        "currRefundState": "当前还款状态"
      },
      "refundRecord": {
        "dateRange": "还款记录区间,比如2010年07月-2015年05月的还款记录",
        "startDate": "YYYY.mm",
        "endDate": "YYYY.mm",
        "detail": [{
          "year": "年",
          "month": [{
            "monthValue": "月份,取值1-12",
            "amount": "金额",
            "state": "状态,B、N、1、2、#"
          }]
        }]
      },
      "specialTransTypes": [{
        "type": "特殊交易类型",
        "occurDate": "发生日期",
        "changeMonthNum": "变更月数",
        "occurAmount": "发生金额",
        "detailRecord": "明细记录"
      }],
      "companyInfo": [{
        "value": "机构声明",
        "addDate": "添加日期"
      }],
      "selfStatement": [{
        "value": "本人声明",
        "addDate": "添加日期"
      }],
      "objectionLabel": [{
        "value": "异议标注",
        "addDate": "添加日期"
      }],
      "specialLabel": [{
        "value": "特殊标注",
        "addDate": "添加日期"
      }]
    }],
    "cyclicalLoanAccount": [{
      "name": "账户1、账户2",
      "manageCompany": "管理机构",
      "amountId": "账户标识",
      "startDate": "开立日期",
      "deadlineDate": "到期日期",
      "accountExtensionAmount": "账户授信额度",
      "accountCurrencyType": "账户币种",
      "type": "业务种类",
      "guaranteeType": "担保方式",
      "refundPeriodNum": "还款期数",
      "refundFrequency": "还款频率",
      "refundType": "还款方式",
      "joinRefundFlag": "共同借款标志",
      "dueDate": "截至日期",
      "accountState": {
        "value": "账户状态,正常(normal)、逾期(overdue)同normal、司法追偿(judicialRecourse)同normal、呆账(badDebt)、 转出(transfer)、结清(clear)",
        "normal": {
          "fiveLevelType": "五级分类",
          "surplusAmount": "余额",
          "surplusPaymentNum": "剩余还款期数",
          "scheduledPayment": "本月应还款",
          "scheduledPayAt": "应还款日",
          "realPayed": "本月实还款",
          "latestRepayDate": "最近一次还款日期",
          "currOverduePeriods": "当前逾期期数",
          "currOverdueAmount": "当前逾期总额",
          "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"
        },
        "badDebt": {
          "surplusAmount": "余额",
          "latestRepayDate": "最近一次还款日期"
        },
        "transfer": {
          "transferDate": "转出月份"
        },
        "clear": {
          "accountClosedDate": "账户关闭日期"
        }
      },
      "beforeDeadlineDate": {
        "value": "某个日期以后还款记录,比如2015年05月05日以后的最新还款记录",
        "fiveLevelType": "五级分类",
        "surplusAmount": "余额",
        "refundDate": "还款日期",
        "refundAmount": "还款金额",
        "currRefundState": "当前还款状态"
      },
      "refundRecord": {
        "dateRange": "还款记录区间,比如2010年07月-2015年05月的还款记录",
        "startDate": "YYYY.mm",
        "endDate": "YYYY.mm",
        "detail": [{
          "year": "年",
          "month": [{
            "monthValue": "月份,取值1-12",
            "amount": "金额",
            "state": "状态,B、N、1、2、#"
          }]
        }]
      },
      "specialTransTypes": [{
        "type": "特殊交易类型",
        "occurDate": "发生日期",
        "changeMonthNum": "变更月数",
        "occurAmount": "发生金额",
        "detailRecord": "明细记录"
      }],
      "companyInfo": [{
        "value": "机构声明",
        "addDate": "添加日期"
      }],
      "selfStatement": [{
        "value": "本人声明",
        "addDate": "添加日期"
      }],
      "objectionLabel": [{
        "value": "异议标注",
        "addDate": "添加日期"
      }],
      "specialLabel": [{
        "value": "特殊标注",
        "addDate": "添加日期"
      }]
    }],
    "creditAccount": [{
      "name": "账户1、账户2",
      "cardCompany": "发卡机构",
      "amountId": "账户标识",
      "startDate": "开立日期",
      "accountExtensionAmount": "账户授信额度",
      "sharedExtensionAmount": "共享授信额度",
      "currencyType": "币种",
      "type": "业务种类",
      "guaranteeType": "担保方式",
      "dueDate": "截至日期,比如截至2015年05月05日",
      "accountState": {
        "value": "账户状态,正常(normal)、[银行]止付(stopPayment)同normal、冻结(frozen)同normal、司法追偿(judicialRecourse)同normal、呆帐(badDebt)、销户(accountCanceled)、未激活(inactive)",
        "normal": {
          "surplusAmount": "余额",
          "usedAmount": "已用额度",
          "unspecifiedLargeAmountSpecificPeriodAmount": "未出单的大额专项分期余额",
          "surplusPeriodsNum": "剩余分期期数",
          "avg6monthPay": "最近6个月平均使用额度",
          "maxUsedAmount": "最大使用额度",
          "billDate": "账单日",
          "scheduledPayment": "本月应还款",
          "realPayed": "本月实还款",
          "latestRepayDate": "最近一次还款日期",
          "currOverduePeriods": "当前逾期期数",
          "currOverdueAmount": "当前逾期总额"
        },
        "badDebt": {
          "surplusAmount": "余额",
          "latestRepayDate": "最近一次还款日期"
        },
        "accountCanceled": {
          "canceledDate": "销户日期"
        },
        "inactive": {
          "inactiveDueDate": "截至日期前未激活,例如截止2015年05月05日,账号状态为'未激活'"
        }
      },
      "bigAmountSpecialPeriodInfo": {
        "periodAmount": "大额专项分期额度",
        "periodAmountEffectiveDate": "分期额度生效日期",
        "periodAmountDueDate": "分期额度到期日期",
        "usedPeriodAmount": "已用分期额度"
      },
      "beforeDueDate": {
        "value": "某个日期以后还款记录,比如2015年05月05日以后的最新还款记录",
        "fiveLevelType": "五级分类",
        "surplusAmount": "余额",
        "refundDate": "还款日期",
        "refundAmount": "还款金额",
        "currRefundState": "当前还款状态"
      },
      "refundRecord": {
        "dateRange": "还款记录区间,比如2010年07月-2015年05月的还款记录",
        "startDate": "YYYY.mm",
        "endDate": "YYYY.mm",
        "detail": [{
          "year": "年",
          "month": [{
            "monthValue": "月份,取值1-12",
            "amount": "金额",
            "state": "状态,B、N、1、2、#"
          }]
        }]
      },
      "specialEventInfo": "特殊事件说明信息",
      "specialTransTypes": [{
        "type": "特殊交易类型",
        "occurDate": "发生日期",
        "changeMonthNum": "变更月数",
        "occurAmount": "发生金额",
        "detailRecord": "明细记录"
      }],
      "companyInfo": [{
        "value": "机构声明",
        "addDate": "添加日期"
      }],
      "selfStatement": [{
        "value": "本人声明",
        "addDate": "添加日期"
      }],
      "objectionLabel": [{
        "value": "异议标注",
        "addDate": "添加日期"
      }]
    }],
    "quasiCreditAccount": [{
      "name": "账户1、账户2",
      "cardCompany": "发卡机构",
      "amountId": "账户标识",
      "startDate": "开立日期",
      "accountExtensionAmount": "账号授信额度",
      "sharedExtensionAmount": "共享授信额度",
      "currencyType": "币种",
      "guaranteeType": "担保方式",
      "dueDate": "截至日期,比如截至2015年05月05日",
      "accountState": {
        "value": "账户状态,正常(normal)、[银行]止付(stopPayment)同normal、呆帐(badDebt)、销户(accountCanceled)、未激活(inactive)",
        "normal": {
          "overDraftAmount": "透支余额",
          "latest6MonthsAvgOverDraftAmount": "最近6个月平均透支余额",
          "maxOverDraftAmount": "最大透支余额",
          "billDate": "账单日",
          "realPayed": "本月实还款",
          "latestRepayDate": "最近一次还款日期",
          "overDraft180UnpayedAmount": "透支180天以上未付余额"
        },
        "badDebt": {
          "surplusAmount": "余额",
          "latestRepayDate": "最近一次还款日期"
        },
        "accountCanceled": {
          "canceledDate": "销户日期"
        },
        "inactive": {
          "inactiveDueDate": "截至日期前未激活,例如截止2015年05月05日,账号状态为'未激活'"
        }
      },
      "refundRecord": {
        "dateRange": "还款记录区间,比如2010年07月-2015年05月的还款记录",
        "startDate": "YYYY.mm",
        "endDate": "YYYY.mm",
        "detail": [{
          "year": "年",
          "month": [{
            "monthValue": "月份,取值1-12",
            "amount": "金额",
            "state": "状态,B、N、1、2、#"
          }]
        }]
      },
      "specialTransTypes": [{
        "type": "特殊交易类型",
        "occurDate": "发生日期",
        "changeMonthNum": "变更月数",
        "occurAmount": "发生金额",
        "detailRecord": "明细记录"
      }]
    }],
    "concernedRefundDutyInfo": {
      "concernRefundPersonBorrow": [{
        "name": "账户1、账户2",
        "manageCompany": "管理机构",
        "type": "业务种类",
        "startDate": "开立日期",
        "deadlineDate": "到期日期",
        "personDutyType": "责任人类型",
        "refundDutyAmount": "还款责任金额",
        "currencyType": "币种",
        "guaranteeContractSerial": "保证合同编号",
        "primaryBorrower": "主业务借款人",
        "primaryBorrowerIdType": "主业务借款人证件类型",
        "primaryBorrowerIdNum": "主业务借款人证件号码",
        "dueDate": "截至日期,比如截至2015年05月05日",
        "fiveLevelType": "五级分类",
        "surplusAmount": "余额",
        "refundState": "还款状态"
      }],
      "concernRefundCompanyBorrow": [{
        "name": "账户1、账户2",
        "manageCompany": "管理机构",
        "type": "业务种类",
        "startDate": "开立日期",
        "deadlineDate": "到期日期",
        "personDutyType": "责任人类型",
        "refundDutyAmount": "还款责任金额",
        "currencyType": "币种",
        "guaranteeContractSerial": "保证合同编号",
        "primaryBorrower": "主业务借款人",
        "primaryBorrowerIdType": "主业务借款人证件类型",
        "primaryBorrowerIdNum": "主业务借款人证件号码",
        "dueDate": "截至日期,比如截至2015年05月05日",
        "fiveLevelType": "五级分类",
        "surplusAmount": "余额",
        "overdueMonthNum": "逾期月数"
      }]
    },
    "extensionProtocolInfo": [{
      "name": "授信协议 1、授信协议 2",
      "manageCompany": "管理机构",
      "extensionProtocolId": "授信协议标识,E124、A333、H121、I211、TH、H122",
      "effectDate": "生效日期",
      "deadlineDate": "到期日期",
      "extensionAmountScope": "授信额度用途",
      "extensionAmount": "授信额度",
      "extensionLimitAmount": "授信限额",
      "extensionLimitSerial": "授信限额编号",
      "usedAmount": "已用额度",
      "currencyType": "币种"
    }]
  },
  "noncreditTransInfoDetail": [{
    "name": "账户",
    "companyName": "账号名称",
    "type": "业务类型",
    "startDate": "业务开通日期",
    "currPayedState": "当前缴费状态",
    "currOverdueAmount": "当前欠费金额",
    "accountDate": "记账年月",
    "refundRecord": {
      "dateRange": "还款记录区间,比如2010年07月-2015年05月的还款记录",
      "detail": [{
        "year": "年",
        "month": [{
            "monthValue": "月份,取值1-12",
            "state": "状态,B、N、1、2、#"
          }]
      }]
    }
  }],
  "publicInfoDetail": {
    "owingTaxRecord": [{
      "no": "编号",
      "chargedTaxOffice": "主管税务机关",
      "owingTaxAmount": "欠税总额",
      "owingTaxStatsDate": "欠税统计日期"
    }],
    "civilJudgmentRecord": [{
      "no": "编号",
      "fillingCourt": "立案法院",
      "reason": "案由",
      "fillingDate": "立案日期",
      "closingType": "结案方式",
      "closingResult": "判决/调节结果",
      "closingEffectDate": "判决/调节生效日期",
      "litigation": "诉讼标的",
      "litigationAmount": "诉讼标的金额"
    }],
    "forceExecuteRecord": [{
      "no": "编号",
      "executeCourt": "执行法院",
      "executeReason": "执行案由",
      "fillingDate": "立案日期",
      "closingType": "结案方式",
      "caseState": "案件状态",
      "closingDate": "结案日期",
      "applyExecuteSubject": "申请执行标的",
      "applyExecuteSubjectValue": "申请执行标的价值",
      "executedSubject": "已执行标的",
      "executedSubjectAmount": "已执行标的金额"
    }],
    "administrativePenaltyRecord": [{
      "no": "编号",
      "penaltyOrg": "处罚机构",
      "penaltyContent": "处罚内容",
      "penaltyAmount": "处罚金额",
      "effectDate": "生效日期",
      "dueDate": "截止日期",
      "administrativeReviewResult": "行政复议结果"
    }],
    "housingProvidentFundContributionRecord": [{
      "contributionPlace": "参缴地",
      "contributionDate": "参缴日期",
      "firstContributionDate": "初缴月份",
      "contributionDueDate": "缴至月份",
      "contributionState": "缴费状态",
      "amountPerMonth": "月缴存额",
      "selfContributionProportion": "个人缴存比例",
      "companyContributionProportion": "单位缴存比例",
      "contributionCompany": "缴费单位",
      "updateAt": "信息更新日期"
    }],
    "lowSecurityRescueRecord": [{
      "no": "编号",
      "personType": "人员类别",
      "place": "所在地",
      "company": "工作单位",
      "familyIncomePerMonth": "家庭月收入",
      "applyDate": "申请日期",
      "agreeDate": "批准日期",
      "updateAt": "信息更新日期"
    }],
    "executiveQualificationRecord": [{
      "no": "编号",
      "executiveQulificationName": "执业资格名称",
      "level": "等级",
      "gotDate": "获得日期",
      "deadlineDate": "到期日期",
      "revocationDate": "吊销日期",
      "issuer": "颁发机构",
      "issuerPlace": "颁发机构所在地"
    }],
    "administrativeRewardRecord": [{
      "no": "编号",
      "rewardCompany": "奖励机构",
      "rewardContent": "奖励内容",
      "effectDate": "生效日期",
      "dueDate": "截止日期"
    }]
  },
  "selfDeclare": [{
    "no": "编号",
    "declareContent": "声明内容",
    "addDate": "添加日期"
  }],
  "objectionLabel": [{
    "no": "编号",
    "labelContent": "标注内容",
    "addDate": "添加日期"
  }],
  "queryRecord": {
    "personQueryRecord": [{
      "no": "编号",
      "date": "查询日期",
      "queryCompany": "查询机构",
      "queryReason": "查询原因"
    }],
    "companyQueryRecord": [{
      "no": "编号",
      "date": "查询日期",
      "queryCompany": "查询机构",
      "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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