人行2代征信报告智能OCR识别解析_信用报告识别查询_深源恒际_人工智能

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API商城 > 人工智能 > 人行2代征信报告智能OCR识别解析_信用报告识别查询_深源恒际

人行2代征信报告智能OCR识别解析_信用报告识别查询_深源恒际

【信贷风控神器，节省90%人力成本】【AI技术：人行征信查询识别】2代征信报告：结构化信息、包含个人基本信息、信息概要、信贷交易信息明细、公共信息明细、查询记录。人行明细版征信报告识别，加速信贷审核

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API参数

征信报告二代OCR识别

调用地址:

http,https://dfcredit.api.bdymkt.com/ocr/v2/pdf_credit_report

请求方式:

POST

支持格式:

application/x-www-form-urlencoded

调用工具:

去调试

请求参数（Headers）

请求参数（Query）

请求参数（Body）

名称
类型
是否必须
示例值
描述

file_base64
string
false
%2F9j%2F4AAQSkZJRgABAQAA......（可参考详情页的教程操作）
征信报告PDF文件转base64编码数据后，再转urlencode。如果太麻烦，可以联系客服协助测试。

请求参数（Path）

请求示例

java

python

curl

php

nodejs

示例代码使用, 需要使用Maven加入依赖

<dependency>
    <groupId>com.baidubce</groupId>
    <artifactId>api-explorer-sdk</artifactId>
    <version>1.0.3.1</version>
</dependency>

                                    
                                        
import com.baidubce.http.ApiExplorerClient;
import com.baidubce.http.AppSigner;
import com.baidubce.http.HttpMethodName;
import com.baidubce.model.ApiExplorerRequest;
import com.baidubce.model.ApiExplorerResponse;

// 征信报告二代OCR识别 Java示例代码
public class RequestDemo {
    public static void main(String[] args) {
        String path = "http://gwgp-o28prmuklun.n.bdcloudapi.com/ocr/v2/pdf_credit_report";
        ApiExplorerRequest request = new ApiExplorerRequest(HttpMethodName.POST, path);
        request.setCredentials("您的 access key", "您的 secret key");

        request.addHeaderParameter("Content-Type", "application/x-www-form-urlencoded");
        
        
        String requestExample = "file_base64=%2F9j%2F4AAQSkZJRgABAQAA.....";
        request.setJsonBody(requestExample);
        

        ApiExplorerClient client = new ApiExplorerClient(new AppSigner());

        try {
          ApiExplorerResponse response = client.sendRequest(request);
          // 返回结果格式为Json字符串
          System.out.println(response.getResult());
        } catch (Exception e) {
          e.printStackTrace();
        }
    }
}
                                    

                                    点击复制代码

正常返回示例

                                    {
  "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"
    }]
  }
}

失败返回示例

                                    {
  "status": "INVALID_ARGUMENT",
  "reason": "invalid image format or size",
  "request_id": "TID8bf47ab6eda64476973cc5f5b6ebf57e"
}

错误码定义

code
message
status
描述

400
DETECTION_FAILED
400
图片检测失败

400
INVALID_ARGUMENT
400
请求参数错误

500
INTERNAL_ERROR
500
服务器内部错误

403
RATE_LIMIT_EXCEEDED
403
调用频率超出限额

产品详情

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产品说明

征信报告：结构化信息、包含个人基本信息、信息概要、信贷交易信息明细、公共信息明细、查询记录。

产品优势

帮助信贷机构自动识别录入用户征信信息，节约人力成本、提升服务效率，实现降本增效。

产品核心卖点

基于OCR完成整份征信报告的识别录入，用时约为20s-30s；而人工录入整份报告耗时约1-2小时，作业效率大幅提升。另外，在识别精度上，算法模型的字段准确率已达99%。

解决痛点

办理贷款业务时，信贷机构只能在获得用户授权的情况下从央行征信中心调用征信报告，以便获得用户信用信息。拿到报告后，需要通过人工方式把核心信息一一录入风控模型，用于分析、评估潜在风险，进而作出相应决策。问题在于，人工录入作业量大、相对耗时，难免影响贷款审批效率，造成意向客户的流失；抑或为实现快速放款，业务部门处理征信数据时删繁就简，因疏漏或主观判断造成风险评估不够精准。

有需求、有问题，可随时致电客服获得技术支持！

产品说明

产品优势

产品核心卖点

解决痛点

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