1. 接口说明

1.1. 请求参数含义

• biz_id 业务 id（10）
• decisionUnit_id 决策单元id（只允许传入1个）
• apply_id 申请人 id
• app_name 调用者（flashmode_prod）
• app_token 调用者的 token

应用端事先申请应用名称（app_name）和对应的bizToken（不是app_token）， app_token生成方式为：

把决策引擎给每个业务的bizToken，与本次调用请求的applyId一起md5加密生成appToken。

1.2. 请求数据样例

{  
  "name": "张三",
  "userId": "12456",
  "idType": "1",  //1.身份证 2.护照
  "idNumber": "500103198410247313",
  "mobile": "17090078480",
  "applyTime": "2016-07-12 14:16:34",
  "applyCityCode": "",
  "applyChannel": "",
  "businessLocation": "110105",//公民网数据查询用,非必传
  "ustatus":"",//51标识
  "customerMark":{
    "telephoneBookMark": "", //1表示授权通讯录，0表示未授权
    "increased": "",
    "authorizationMark": "02",  // 01-淘宝；02-PBOC；03-公积金；04-账单
    "senseTimeMark": "F"  //  T/F，T表示通过；F表示一次不通过
  },
  "contactBook": [
    {
      "name": "朱丽霞",
      "phoneNumber": {
        "number":"22139888",
        "areaCode":"0760"
      }
    }
  ],
  "lastAmount": "", // 上一步额度 即上次规则返回的amount，在下次调用时回传规则
  "lastRate":"",//上一步费率
  "creditCard": {
    "cardNumber": "0000000000000000",
    "openingBank": "XX银行XX市分行XX支行"
  },
  "debitCard": {
    "cardNumber": "",
    "openingBank": ""
  },
  "device": {
    "tdId": "",  // TaklingData id
    "imei": "",
    "mac": "",
    "idfa": "",  //广告标示符
    "android_id": ""
  },
  "fraudInfo":{
    "GPSRepeatMark":"0",//GPS查重标签  0为未触碰，1为触碰
    "phoneRepeatMark":"0",//通话详单查重标签  0为未触碰，1为触碰
    "top5ContactCnt":"",//通话次数TOP5关联逾期客户人数
    "top10ContactCnt":"0",//通话次数TOP10关联逾期客户人数
    "top20ContactCnt":"0",//通话次数TOP20关联逾期客户人数
    "allContactCnt":"0",//通话详单关联逾期客户人数
    "phoneIdCnt":1//通话详单关联逾期客户人数
  },
  "taoBaoInfo": {
    "ali_id": "",  //淘宝信息ID
    "userid": "",  //用户ID
    "acct_alipay": "",  //支付宝账号
    "acct_tb": "",  //淘宝账号
    "dt_open_alipay": "",  //支付宝账号申请时间
    "name_alipay": "",  //支付宝认证姓名
    "phone_alipay": "",  //支付宝认证手机
    "balance_alipay": "",  //支付宝可用余额
    "balance_fund": "",  //余额宝金额
    "receive_name_1": "",  //常用收货人姓名1
    "receive_name_2": "",
    "receive_name_3": "",
    "addr_1": "",  //常用收货地址1
    "addr1_valid": true,
    "province1_ali": "",
    "city1_ali": "",
    "county1_ali": "",
    "addr_2": "",  //常用收货地址2
    "addr2_valid": "",
    "province2_ali":"",
    "city2_ali": "",
    "county2_ali": "",
    "addr_3": "",
    "addr3_valid": "",
    "province3_ali": "",
    "city3_ali": "",
    "county3_ali": "",
    "phone_1":"15018754902",//常用联系方式1
    "phone_2":"18600863154",//常用联系方式2
    "phone_3":"15201649341",//常用联系方式3
    "name_taobao":"",//淘宝手机
    "phone_taobao":"",//淘宝姓名
        "taobaoTradeList":[//淘宝交易明细
         {
            "amount":"",//交易金额
               "deal_time":"",//交易时间
            "item_name":"",//购买商品
            "status":"",//交易状态
            "address":"",//收货地址
            "province":"",//省
            "city":"",//市
            "area":"",//地区
            "receiver_name":"",//收货人姓名
            "receiver_mobile":""//收货人电话
      }
      ],
    "alipayTrans": [
      {
        "autoid":"31",//自增ID
        "ali_id":"9",//淘宝信息ID
        "category_id":"转账",//交易类型
        "createtime":"2016-04-10 15:22:00",//创建时间
        "description":"信用卡还款",//名称/交易号
        "oppositeside":"卡神网",//对方
        "amountmoney":"150.00",//金额/明细
        "cc_pmt_lst4":"3212",//卡号后四位（仅限信用卡还款类交易）
        "cc_pmt_nm":"银联",//名（仅限信用卡还款类交易）
        "bank_id":"",//付款卡发卡行
        "status":"0"//状态
      }
    ]
  },
  "pbocInfo": {
    "userId": "",  //用户ID
    "creditReportInfo ": {
      "crptId ": "",  //报告编号
      "searchTime ": "",  //查询时间
      "reportTime ": "",  //报告时间
      "realName ": "",  //姓名
      "cardType ": "",  //证件类型
      "cardId ": "",  //证件号码
      "mariStat": ""  //婚姻状况
    },
    "creditSummary": {
      "cardAccountCount": "",  //信用卡--账户数
      "cardOpenAccountCount": "",  //信用卡--未结清/未销户账户数
      "cardOverAccountCount": "",  //信用卡-发生过逾期的账户数
      "cardOver90AccountCount": "",  //信用卡--发生过90天以上逾期的账户数
      "cardGuaranteeCount": "",  //信用卡--为他人担保的笔数
      "mortgageAccountCount": "",  //购房贷款--账户数
      "mortgageOpenAccountCount": "",  //购房贷款--未结清/未销户账户数
      "mortgageOverAccountCount": "",  //购房贷款-发生过逾期的账户数
      "mortgageOver90AccountCount":"",//购房贷款--发生过90天以上逾期的账户数
      "mortgageGuaranteeCount": "",  //购房贷款--为他人担保的笔数
      "loanAccountCount": "",  //其他贷款--账户数
      "loanOpenAccountCount": "",
      "loanOverAccountCount": "",
      "loanOver90AccountCount": "",
      "loanGuaranteeCount": ""
    },
    "pbocCreditCardList": [
      {
        "cardInfoId": "",
        "accountStatus": "",
        "currency": "",
        "isoverdue": "",
        "giveDate": "",
        "abortDate": "",
        "limitAmount": "",
        "bankName": "",
        "usedAmount": "",
        "overdueAmount": "",
        "recently5YExpireTimes": "",
        "recently5Y90DExpireTimes": "",
        "destroyDate": ""
      }
    ],
    "creditLoanList": [
      {
        "loanInfoId": "",
        "accountStatus": "",
        "loanType": "",
        "isoverdue": "",
        "giveDate": "",
        "expireDate": "",
        "abortDate": "",
        "bankName": "",
        "loanContractAmount": "",
        "loanBalance": "",
        "overdueAmount": "",
        "recently5YExpireTimes": "",
        "recently5Y90DExpireTimes": "",
        "finishDate": ""
      }
    ],
    "creditSearchList": [
      {
        "searchId": "",
        "searchDate": "",
        "operator": "",
        "searchReason": ""
      }
    ]
  },
  "gongJiJin": {
    "surname_sid": "",
    "location_cid": "",
    "passport": "",
    "briefList": [
      {
        "card": "",
        "name": "",
        "customer_id": "",
        "company": "",
        "base": "",
        "balance": "",
        "state": "",
        "record_date": "",
        "refresh_time": "",
        "id":"",//单位编号
        "deposit_ratio_personal":"",//个人缴纳比例
        "deposit_ratio_company":"",//单位缴纳比例
        "gjj_open_date":"2013-07-12 14:16:34",//公积金开户时间
        "detailList": [
          {
            "gjj_type": "",
            "company": "",
            "record_date": "",
            "op_type": "",
            "record_month": "",
            "amount": "",
            "balance": "",
            "bid":"" //单位编号
          }
        ]
      }
    ]
  },
  "creditCardList": [
    {
      "userid": "",
      "nameoncard": "",
      "ubid": "",
      "bank_id": "",
      "cardno_lastfour": "",
      "isOverdue": "",
      "overdueAmonut": "",
      "isM2Overdue": "",
      "maxM2OverdueAmonut": "",
      "creditBillInfoList": [
        {
          "billId": "",
          "ubId": "",
          "createTime": "",
          "cardno_lastfour": "",
          "creditLimit": "",
          "cashLimit": "",
          "billDate": "",
          "paymentDueDate": "",
          "lastBalance": "",
          "usdLastBalance": "",
          "lastPayment_1": "",
          "lastPayment_2": "",
          "usdLastPayment_1": "",
          "usdLastPayment_2": "",
          "newBalance": "",
          "usdNewBalance": "",
          "minPayment": "",
          "usdMinPayment": "",
          "lastMinPayment": "",
          "lastUsdMinPayment": "",
          "integral": "",
          "newCharges": "",
          "bill_fq": "",
          "second_bill":"",//非一手账单标识,1-非一手账单；0-正常
          "billDetail": [
            {
              "autoid": "",
              "ubid": "",
              "billid": "",
              "category1": "",
              "category2": "",
              "transdate": "",
              "postdate": "",
              "amountmoney": "",
              "currencytype": "",
              "transtype": "",
              "discription": "",
              "alipay_discription": "",
              "instatotal": "",
              "instaremain": ""
            }
          ]
        }
      ]
    }
  ],
  "communicationInfo": {
        "mobile_id":"123",//通讯商信息ID
        "userid":"u18927",//用户ID
        "phone":"15018754902",//手机号码
        "name":"SCFUG4XA",//实名认证姓名
        "dt_open":"",//号码注册时间
        "phoneInfo":[//手机详单
            {
                "seconds":"353",//通话时长
                "other_number":"15101533624",//通话对象
                "call_place":"aa",//通话地点
                "call_time":"2014-05-16 21:10:00",//通话时间
                "call_type":"0",//通话类型
                "service_type":"0",//服务类型
                "type":"0"//类型
            }
        ]
  }
}

1.3. 返回字段样例：(决策历史页面上会看到更多字段，但是接口调用返回的字段更精简，具体如下）

{
  "apply_id": "3e6b514efb994e13a51a7ec0433c345",       => 进件ID，业务方需保证不同进件apply_id不同
  "message": "",                                       => 与同级下的status绑定，描述不同status的提示信息
  "request_id": "4c8a56c6-4d93-45ac-9e19-7e750cb23823",=> 本次请求的唯一标识
  "request_url": "/decisionUnit/10/46",                => 本次请求对应的bizid和决策单元id信息
  "results": [                                         => 本次请求的结果，目前result数组长度为1
    {
      "features": {                                    => 本次请求提取的所有特征
        "increased": "F",
        "maxLimit": 0
      },
      "decision": {                                    => 本次请求规则结果
        "reason": [                                    => 批／拒贷码（字符串数组）
          "F0101"
        ],  
        variables: {                                   => 配置在规则中的变量，假设配置了"A" "B" "C" "D" "E"这些变量
          "A": "a",                                    => 字符串类型
          "B": 1,                                      => 数值类型
          "C": true,                                   => 布尔类型
          "D": ["abc", "bcd"],                         => 数组类型
          "E": {"F": "f"}                              => object类型
        },
        "fired_rules": [                               => 本次请求命中且执行过的规则详情
          {
            "code": "PD0001",                          => 批／拒贷码
            "decision": "PASS",                        => 规则结果
            "desc": "规则01",                           => 规则描述
            "note": "测试贷",                           => 规则备注
            "rule_id": 110101,                         => 规则id
            "rule_set_id": 101001                      => 规则集id
          }
        ],
        "decision": "DENY",                            => 本次请求最终结果，共有DENY/PASS/HUMAN_CONFIRM/DEF_VARS/UNKNOWN五种
        "human_confirm": "",                           => 转人工信息
        "tag_dict": {},                                => 标签信息（键值对）
        "tags": [],                                    => 本次请求命中规则的所有标签信息
        "feedback": null                               => 反馈前端信息
    }
  ],  
  "status": 0                                          => 本次请求的状态表示（详见“1.2.2 status的取值及含义”）
}

1.4. status的取值及含义

• status=0 正常调用
• status=-1 调用错误（入参格式不正确、决策单元不存在等，由调用方排查）
• status=-2 决策引擎错误（由决策引擎排查）
• status=-3 数据源错误（由数据源方排查）
• status=-4 规则配置错误（由规则配置者排查）
• status=-5 gateway错误-未收到请求（排查网络配置问题）
• status=-6 资源错误（决策历史查询错误）
• status=-7 归户数据源错误（由归户数据源方排查）
• status=-9 其他数据源错误（由其他数据源方排查）

1.5. 注意事项

1. 在调决策单元进行测试时，可在body中加传一个cacheType字段，控制调用的规则中涉及的第三方数据是否调用缓存。如果不传该字段，会取实际调用时的配置，如优先一天缓存等。线上接口调用不需要传这个字段。比如传了cacheType值为cacheOnly，调测试接口时，可确保不真实调用第三方数据源。

   示例： "cacheType": "cacheOnly"