api_url . $this->version . '/bankcard/check'; $this->params['businessId'] = "3cb726bd85104161b25613153c4fba7c"; $this->params = array_merge($this->params,$params); // 获取签名 $this->params['signature'] = $this->gen_signature(); $this->options["form_params"] = $this->params; $result = $this->httpRuest->postRequest($api_url,$this->options); if (empty($result)){ return "银行卡认证失败"; } if ($result['code'] != "200"){ throw new BusinessException("银行卡认证失败"); } if (empty($result['result'])){ return "银行卡认证失败"; } // 处理不通过情况 if ($result['result']['status'] == 2){ switch ($result['result']['reasonType']) { case 2: return "持卡人信息与输入信息不一致"; break; case 3: return "查无此银行卡"; break; case 4: return "查无此身份证"; break; case 5: return "手机号码格式不正确"; break; case 6: return "银行卡号不正确"; break; case 7: return "其他出错,请联系客服"; break; default: return "银行卡认证失败"; break; } } // 处理status为其他情况 if ($result['result']['status'] != 1){ return "身份证认证失败"; } return ""; } catch (\Exception $e) { throw new BusinessException($e->getMessage()); } } }