个人信用分API Node.js调用代码流程与风险评估应用案例

curl -X POST "https://api.tianyuanapi.com/api/v1/JRZQ0L85?t=1730457600000" \
-H "Access-Id: your_access_id_here" \
-H "Content-Type: application/json" \
-d '{"data":"Base64EncodedEncryptedDataHere"}'

import crypto from 'crypto';
import fetch from 'node-fetch';

// ========== AES 加密 ==========
function encryptData(payload, accessKey) {
  const iv = crypto.randomBytes(16);
  const cipher = crypto.createCipheriv('aes-128-cbc', Buffer.from(accessKey, 'utf8'), iv);
  let encrypted = cipher.update(JSON.stringify(payload), 'utf8', 'base64');
  encrypted += cipher.final('base64');
  return Buffer.concat([iv, Buffer.from(encrypted, 'base64')]).toString('base64');
}

// ========== AES 解密 ==========
function decryptData(encryptedData, accessKey) {
  const buffer = Buffer.from(encryptedData, 'base64');
  const iv = buffer.slice(0, 16);
  const cipherText = buffer.slice(16);
  const decipher = crypto.createDecipheriv('aes-128-cbc', Buffer.from(accessKey, 'utf8'), iv);
  let decrypted = decipher.update(cipherText, undefined, 'utf8');
  decrypted += decipher.final('utf8');
  return JSON.parse(decrypted);
}

// ========== API 调用 ==========
async function callCreditScoreAPI() {
  const accessKey = 'your_16byte_key';
  const accessId = 'your_access_id_here';
  const url = `https://api.tianyuanapi.com/api/v1/JRZQ0L85?t=${Date.now()}`;

  const payload = {
    mobile_no: '13800001111',
    id_card: '110101199001012345',
    name: '张三'
  };

  try {
    const encrypted = encryptData(payload, accessKey);
    const res = await fetch(url, {
      method: 'POST',
      headers: {
        'Access-Id': accessId,
        'Content-Type': 'application/json'
      },
      body: JSON.stringify({ data: encrypted })
    });

    const response = await res.json();

    if (response.code === 0) {
      const decrypted = decryptData(response.data, accessKey);
      console.log('信用分结果：', decrypted);
    } else {
      console.error('调用失败：', response.message);
    }

  } catch (err) {
    console.error('调用异常：', err);
  }
}

callCreditScoreAPI();

{
  "code": 0,
  "message": "业务成功",
  "transaction_id": "20251102123456789",
  "data": {
    "score_120_General": "480"
  }
}