交易反欺诈风险验证 API 用于您实时获取我们的风险验证结果。

为了有效地阻止欺诈发生并避免资金损失，建议您在进行支付网关的资金授权之前发送请求进行风险验证，或在收到支付网关的授权响应后但在获取资金之前立即发送请求进行风险验证。这样可以确保在进行资金交易之前对风险进行有效验证。

API 方式

Base URL

中国节点：https://cn.apitd.net/fraud/transaction/v3
美国节点：https://us.apitd.net/fraud/transaction/v3
新加坡节点：https://sg.apitd.net/fraud/transaction/v3
德国节点：https://de.apitd.net/fraud/transaction/v3

API

URL	请求方式	Content-Type	输出格式	字符集
api-base-url?partner_code=xxx&partner_key=xxx	POST	application/json	JSON	UTF-8

示例：https://cn.apitd.net/fraud/transaction/v3?partner_code=test_code&partner_key=test_key

认证参数

字段	类型	含义	建议	备注
partner_code	String	合作方标识	必须	由 TD 分配
partner_key	String	合作方密钥	必须	由 TD 分配

请求参数

字段	类型	含义	建议	备注
channel	String	渠道标识	必须	由 TD 分配
session_id	String	会话 ID	必须	会话 ID 是网站服务器为特定用户在访问期间分配的唯一标识，通常可以用 Cookie、表单字段或 URL 的形式存储
decision_event	String	风险验证时的业务节点	必须	枚举值： order_payment：支付订单
event_time	String	业务真实发生时间	必须	符合 ISO 8601 标准，格式 YYYY-MM-DDTHH:mm:ss.sssZ ，例如 2021-10-12T14:20:50.521+07:00
account_id	String	账户 ID	条件必须：当账户注册（创建）后必须	当账户不存在时可不传
order_id	String	订单号	必须
terminal	Terminal	终端信息	必须
ext	Ext	扩展信息	条件必须：如果扩展信息用于本次决策则必须	与 TD 约定好的扩展信息
account	Account	账户信息	强烈建议
order	Order	订单信息	必须
payment	Payment	支付信息	强烈建议
payment_result	PaymentResult	支付结果	强烈建议
billing	Billing	账单信息	强烈建议
merchant	Merchant	卖家信息	强烈建议

请求示例

{
    "channel": "test",
    "session_id": "abc0123456789",
    "decision_event": "order_payment",
    "event_time": "2023-10-12T14:20:50.521+07:00",
    "account_id": "123456789",
    "order_id": "ID293846237467",
    "terminal": {
        "black_box": "aGPH1658920283672ropYaFxT7",
        "ip": "210.20.10.33"
    },
    "ext": {
        "ext_book_id": "LFOUHOFHOHFNOUH",
        "ext_book_num": 10
    },
    "account": {
        "register_time": "2021-10-12T14:20:50.521+07:00",
        "login_time": "2021-10-12T14:25:50.521+07:00",
        "phone": {
            "country_code": 86,
            "phone_number": "18700001111"
        },
        "email": "hello@gmail.com"
    },
    "order": {
        "order_create_time": "2021-10-12T14:25:50.521+07:00",
        "merchandise_list": [
            {
                "merchandise_id": "NFH837824432",
                "category_1": "3c",
                "category_2": "phone",
                "category_3": "android",
                "name": "huawei phone",
                "count": 1,
                "unit_price": {
                    "currency": "CNY",
                    "amount_local": 6800,
                    "amount_usd": 1000,
                    "amount_cny": 6800
                }
            }
        ],
        "amount": {
            "currency": "CNY",
            "amount_local": 6800,
            "amount_usd": 1000,
            "amount_cny": 6800
        },
        "shipping": {
            "address": {
                "country": "CN",
                "region": "浙江省",
                "city": "杭州市",
                "district": "余杭区",
                "detail": "文一西路海创园 18 幢",
                "zip_code": "310000"
            },
            "phone": {
                "country_code": 86,
                "phone_number": "18700001112"
            },
            "email": "hello@gmail.com",
            "consignee": {
                "first_name": "三",
                "middle_name": "",
                "last_name": "张",
                "nickname": "HZhang"
            },
            "method": "logistics"
        }
    },
    "payment": {
        "payment_id": "NHF8736274",
        "method": "card",
        "channel": "paypal",
        "amount": {
            "currency": "CNY",
            "amount_local": 68,
            "amount_usd": 10,
            "amount_cny": 68
        },
        "card": {
            "card_bin": "622207",
            "last_four_digits": "1234",
            "card_number_length": 16,
            "holder_name": {
                "first_name": "三",
                "middle_name": "",
                "last_name": "张",
                "nickname": "HZhang"
            },
            "debit_or_credit": "credit",
            "issuer_region": "CN",
            "expiration_date": "1998-01-01"
        },
        "is_coupon_used": true,
        "coupons": [
            {
                "coupon_id": "NOHF08938",
                "coupon_name": "双十一限时购",
                "coupon_count": 1,
                "begin_time": 1596358039000,
                "expire_time": 1616358039000,
                "coupon_type": "discount",
                "coupon_rate": 0.85,
                "coupon_threshold": "10",
                "cash_back_amount": {
                    "currency": "CNY",
                    "amount_local": 6.8,
                    "amount_usd": 1,
                    "amount_cny": 6.8
                }
            }
        ]
    },
    "payment_result": {
        "is_payment_success": true,
        "payment_message": "success",
        "is_3ds_used": false,
        "response_by_3ds": {
            "eci_value": "02",
            "version": "2.2.0",
            "authentication_type": "01",
            "trans_status": "Y"
        },
        "response_by_avs": "",
        "response_by_cvc": ""
    },
    "billing": {
        "address": {
            "country": "CN",
            "region": "浙江省",
            "city": "杭州市",
            "district": "余杭区",
            "detail": "文一西路海创园 18 幢",
            "zip_code": "310000"
        },
        "phone": {
            "country_code": 86,
            "phone_number": "18700001112"
        },
        "email": "hello@gmail.com",
        "recipient": {
            "first_name": "三",
            "middle_name": "",
            "last_name": "张",
            "nickname": "HZhang"
        }
    },
    "merchant": {
        "merchant_id": "NFK00937",
        "shop_name": "Hello World",
        "shop_phone": {
            "country_code": 86,
            "phone_number": "18700001112"
        },
        "shop_email": "hello@gmail.com",
        "shop_address": {
            "country": "CN",
            "region": "浙江省",
            "city": "杭州市",
            "district": "余杭区",
            "detail": "文一西路海创园 18 幢",
            "zip_code": "310000"
        },
        "shop_url": "https://td/shop/0012",
        "register_time": "2021-10-12T14:20:50.521+07:00",
        "login_time": "2021-10-12T14:22:50.521+07:00",
        "merchant_type": "entity",
        "merchant_level": "A",
        "company": "XXX",
        "primary_category": "XXXX",
        "product_count": 1,
        "history_order_count": 1,
        "history_order_amount": {
            "currency": "CNY",
            "amount_local": 68,
            "amount_usd": 10,
            "amount_cny": 68
        }
    }
}

响应参数

字段	类型	含义	建议	备注
code	Integer	API 状态码	必须
message	String	状态信息	必须	在 API 异常状态下会输出具体的异常原因
sequence_id	String	响应唯一码	必须	用于跟踪每次请求记录的唯一标识
score	Integer	风险分	必须	范围为 0 - 100
result	String	决策结果	必须	枚举值： decline：拒绝 review：核验 accept：通过
reasons	Array	决策原因列表	必须
id	String	决策原因 ID	必须	每个决策原因都会有一个唯一编码
reason	String	决策原因	必须

API 状态码

code	含义
200	成功
301	未购买此服务
302	流量已被禁用
303	流量不足
304	服务已过期
305	日流量已封顶
9001	{字段名}为空
9002	{字段名}参数校验错误
9003	{字段名}参数长度或者大小超过1024
9004	black_box或ip至少存在一个
9200	系统异常
9201	未知异常
9202	content-type不合法
9203	没有对应的策略配置

响应示例

{
    "code": 200,
    "message": "",
    "sequence_id": "1648777165770866F82AC7F326307055",
    "score": 90,
    "result": "decline",
    "reasons": [
        {
            "id": "IDZPQJEG",
            "reason": "可疑的交易行为"
        }
    ]
}