Node.js多头借贷风险API调用实例：实现实时信贷审批风控

const axios = require('axios');
const crypto = require('crypto');

const API_URL = 'https://api.tianyuanapi.com/api/v1/JRZQ9E2A?t=1730198372111';
const ACCESS_ID = 'your_access_id';
const ACCESS_KEY = Buffer.from('your_access_key_16b');

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

function decryptAES(encoded) {
  const raw = Buffer.from(encoded, 'base64');
  const iv = raw.slice(0, 16);
  const enc = raw.slice(16);
  const decipher = crypto.createDecipheriv('aes-128-cbc', ACCESS_KEY, iv);
  let decrypted = decipher.update(enc, 'base64', 'utf8');
  decrypted += decipher.final('utf8');
  return decrypted;
}

(async () => {
  const payload = {
    mobile_no: '13800000000',
    id_card: '110101199001010000',
    name: '张三',
    auth_authorize_file_code: 'AUTH202511'
  };

  try {
    const encrypted = encryptAES(payload);
    const res = await axios.post(API_URL, { data: encrypted }, {
      headers: {
        'Access-Id': ACCESS_ID,
        'Content-Type': 'application/json'
      },
      timeout: 10000
    });

    if (res.data.code === 200) {
      console.log('解密数据：', decryptAES(res.data.data));
    } else {
      console.error('错误：', res.data.message);
    }
  } catch (e) {
    console.error('请求失败：', e.message);
  }
})();