1.接口说明

银行卡OCR(API)接口定义:银行卡OCR实现银行卡正面图片进行精准识别,提取包括 银行卡号、发卡行、卡类型、有效期 等关键信息,应用于金融场景用户远程的身份认证、金融风控、银行卡录入等多种场景,有效提高用户的体验。

1.1主要功能

基于深度学习的银行卡 OCR 识别接口能准确识别关键信息且支持多类银行卡。其主要功能包括:

支持多类型:
支持国内主要银行借记卡、信用卡等多种类型。
高精度识别:
精准识别银行卡号、发卡行、卡片类型与有效期。
自动识别:
自动判断发卡行并提取关键字段。
性能稳定:
毫秒级响应,识别准确率99%+,体验佳。

1.2接入场景

适用于金融场景身份认证、风控系统、银行卡信息自动化录入等。

2.请求信息

2.1请求地址(URL)

POST http(s)://ocr-api.shiliuai.com/api/bank_card_ocr/v1

2.2请求方式

POST

2.3请求头(header)

参数 类型 说明
Content-Type string application/json
Authorization string 'APPCODE ' + 您的AppCode (注意英文空格)
参数 类型 说明
Content-Type string application/json
x-ca-key string 您的AppKey
x-ca-timestamp string 时间戳(毫秒)
x-ca-signature string 签名sign

签名方法:

str = app_key×tamp&app_secret
sign = md5(str)

2.4请求体(body)

参数 是否必填 类型 说明
image_base64 选填 string base64编码的图片文件。image_base64与image_url必须传一个。像素范围:[15,8192],小于20M
image_url 选填 string 图片文件URL。image_base64与image_url必须传一个。像素范围:[15,8192],小于20M

3.返回信息

3.1返回类型

JSON

3.2返回码

参数名 类型 说明
code int 返回码,0表示成功
message string 返回信息

3.3返回信息

参数 类型 说明
code int 错误码
msg string 错误信息(英文)
msg_cn string 错误信息(中文)
success bool 识别是否成功
request_id string 唯一请求ID
data data 识别结果,不同api结果的格式不同

3.4返回示例

data 成功示例:
data = {
    "content": [
        {
            "number": "6259198888888888", // string, 银行卡号文字内容
            "prob": 0.9999991655349731,   // float, [0, 1], 文字内容置信度
            "name": "中国邮政储蓄银行股份有限公司", // string,银行名称文字内容
            "type": "贷记卡",              // string,银行卡类型文字内容
            "keypoints": [                 // list, 文字区域四个角的位置,以文字的左上角为起点,按顺时针顺序排列
                {"x":50, "y":20},
                {"x":150, "y":20},
                {"x":150, "y":60},
                {"x":50, "y":60}
            ]
        },
        ......
    ]
}

data 失败示例:
data = {}

3.5错误码

错误码 说明
200 成功
400 错误请求,比如参数错误
401 未经授权
403 禁止访问
500 内部错误

4.示例代码

4.1 Python

# -*- coding: utf-8 -*-
import requests
import base64
import json

# 请求接口
URL = "https://ocr-api.shiliuai.com/api/bank_card_ocr/v1"

# 图片转base64
def get_base64(file_path):
    with open(file_path, 'rb') as f:
        data = f.read()
    b64 = base64.b64encode(data).decode('utf8')
    return b64

def demo(appcode, file_path):
    # 请求头
    headers = {
        'Authorization': 'APPCODE %s' % appcode,
        'Content-Type': 'application/json'
    }

    # 请求体
    b64 = get_base64(file_path)
    data = {"image_base64": b64}

    # 请求
    response = requests.post(url=URL, headers=headers, json=data)
    content = json.loads(response.content)
    print(content)

if __name__=="__main__":
    appcode = "你的APPCODE"
    file_path = "本地图片路径"
    demo(appcode, file_path)
import requests
import base64
import json
import hashlib
import time

# 请求接口
URL = "https://ocr-api.shiliuai.com/api/bank_card_ocr/v1"

# 图片转base64
def get_base64(file_path):
    with open(file_path, 'rb') as f:
        data = f.read()
    b64 = base64.b64encode(data).decode('utf8')
    return b64

def md5(s):
    return hashlib.md5(s.encode("utf8")).hexdigest()

def demo(app_key, app_secret, file_path):
    # 请求头
    t = int(time.time()*1000)
    s = "%s&%s&%s" % (app_key, t, app_secret)
    sign = md5(s)
    headers = {
        'x-ca-key': app_key,
        'x-ca-timestamp': t,
        'x-ca-signature': sign,
        'Content-Type': 'application/json'
    }
    # 请求体
    b64 = get_base64(file_path)
    data = {"image_base64": b64}

    # 请求
    response = requests.post(url=URL, headers=headers, json=data)
    content = json.loads(response.content)
    print(content)

if __name__=="__main__":
    app_key = "你的APP_KEY"
    app_secret = "你的APP_SECRET"
    file_path = "本地图片路径"
    demo(app_key, app_secret, file_path)

4.2 PHP

//图片转base64
function get_base64($path){
    if($fp = fopen($path, "rb", 0)) {
        $binary = fread($fp, filesize($path)); // 文件读取
        fclose($fp);
        $b64 = base64_encode($binary); // 转base64
    }else{
        $b64="";
        printf("%s 文件不存在", $path);
    }
    return $b64;
}

$url = " `https://ocr-api.shiliuai.com/api/bank_card_ocr/v1` ";
$appcode = "你的appcode";
$img_path = "图片路径";
$method = "POST";

//请求头
$headers = array();
array_push($headers, "Authorization:APPCODE " . $appcode);
array_push($headers, "Content-Type:application/json");

//请求体
$b64 = get_base64($img_path);
$data = array(
    "image_base64" => $b64
);
$post_data = json_encode($data);

//请求
$curl = curl_init();
curl_setopt($curl, CURLOPT_CUSTOMREQUEST, $method);
curl_setopt($curl, CURLOPT_URL, $url);
curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
curl_setopt($curl, CURLOPT_FAILONERROR, false);
curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);
curl_setopt($curl, CURLOPT_HEADER, true);
curl_setopt($curl, CURLOPT_SSL_VERIFYPEER, false);
curl_setopt($curl, CURLOPT_SSL_VERIFYHOST, false);
curl_setopt($curl, CURLOPT_POSTFIELDS, $post_data);

$result = curl_exec($curl);
var_dump($result);
function get_base64($path){
    if($fp = fopen($path, "rb", 0)) {
        $binary = fread($fp, filesize($path)); // 文件读取
        fclose($fp);
        $b64 = base64_encode($binary); // 转base64
    }else{
        $b64="";
        printf("%s 文件不存在", $path);
    }
    return $b64;
}

$url = " `https://ocr-api.shiliuai.com/api/bank_card_ocr/v1` ";
$img_path = "图片路径";
$method = "POST";


//请求头
$app_key = "你的app_key";
$app_secret = "你的app_secret";
$timestamp=time();
$sign_string = $app_key . "&" . $timestamp . "&" . $app_secret;
$sign = md5($sign_string);

$headers = array();
array_push($headers, "Content-Type:application/json");
array_push($headers, "x-ca-key:" . $app_key);
array_push($headers, "x-ca-timestamp:" . $timestamp);
array_push($headers, "x-ca-signature:" . $sign);


//请求体
$b64 = get_base64($img_path);
$data = array(
    "image_base64" => $b64
);
$post_data = json_encode($data);


//请求
$curl = curl_init();
curl_setopt($curl, CURLOPT_CUSTOMREQUEST, $method);
curl_setopt($curl, CURLOPT_URL, $url);
curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
curl_setopt($curl, CURLOPT_FAILONERROR, false);
curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);
curl_setopt($curl, CURLOPT_HEADER, true);
curl_setopt($curl, CURLOPT_SSL_VERIFYPEER, false);
curl_setopt($curl, CURLOPT_SSL_VERIFYHOST, false);
curl_setopt($curl, CURLOPT_POSTFIELDS, $post_data);


$result = curl_exec($curl);
var_dump($result);

4.3 Java

//main.java
import com.alibaba.fastjson2.JSON;
import com.alibaba.fastjson2.JSONObject;
import org.apache.http.HttpResponse;
import org.apache.http.client.methods.HttpPost;
import org.apache.http.entity.StringEntity;
import org.apache.http.impl.client.CloseableHttpClient;
import org.apache.http.impl.client.HttpClients;
import org.apache.http.util.EntityUtils;
import org.apache.commons.io.FileUtils;
import java.io.File;
import java.io.IOException;
import java.util.HashMap;
import java.util.Map;
import java.util.Base64;

public class Main {

    public static String get_base64(String path) {
        String b64 = "";
        try {
            // 使用Commons IO简化文件读取
            byte[] content = FileUtils.readFileToByteArray(new File(path));
            // 使用JDK自带的Base64
            b64 = Base64.getEncoder().encodeToString(content);
        } catch (IOException e) {
            e.printStackTrace();
        }
        return b64;
    }

    public static void main(String[] args) {
        String url = " `https://ocr-api.shiliuai.com/api/bank_card_ocr/v1` "; // 请求接口
        String appcode = "你的APPCODE";
        String imgFile = "本地图片路径";

        Map headers = new HashMap<>();
        headers.put("Authorization", "APPCODE " + appcode);
        headers.put("Content-Type", "application/json");

        // 请求体
        JSONObject requestObj = new JSONObject();
        requestObj.put("image_base64", get_base64(imgFile));
        String bodys = requestObj.toString();

        try (CloseableHttpClient httpClient = HttpClients.createDefault()) {
            // 创建POST请求
            HttpPost httpPost = new HttpPost(url);

            // 设置请求头
            for (Map.Entry entry : headers.entrySet()) {
                httpPost.addHeader(entry.getKey(), entry.getValue());
            }

            // 设置请求体
            StringEntity entity = new StringEntity(bodys, "UTF-8");
            httpPost.setEntity(entity);

            // 执行请求
            HttpResponse response = httpClient.execute(httpPost);

            int stat = response.getStatusLine().getStatusCode();
            if (stat != 200) {
                System.out.println("Http code: " + stat);
                return;
            }

            String res = EntityUtils.toString(response.getEntity());
            JSONObject res_obj = JSON.parseObject(res);

            System.out.println(res_obj.toJSONString());
        } catch (Exception e) {
            e.printStackTrace();
        }
    }
}
import com.alibaba.fastjson2.JSON;
import com.alibaba.fastjson2.JSONObject;
import org.apache.commons.io.FileUtils;
import org.apache.http.HttpResponse;
import org.apache.http.client.methods.HttpPost;
import org.apache.http.entity.StringEntity;
import org.apache.http.impl.client.CloseableHttpClient;
import org.apache.http.impl.client.HttpClients;
import org.apache.http.util.EntityUtils;
import java.io.File;
import java.io.IOException;
import java.util.HashMap;
import java.util.Map;
import java.util.Base64;
import java.security.MessageDigest;
import java.security.NoSuchAlgorithmException;

public class Demo {

    public static String get_base64(String path) {
        String b64="";
        try {
            File file = new File(path);
            if (!file.exists()) {
                System.err.println("文件不存在: " + path);
                return b64;
            }
            // 使用Commons IO简化文件读取
            byte[] content = FileUtils.readFileToByteArray(file);
            // 使用JDK自带的Base64
            b64 = Base64.getEncoder().encodeToString(content);
        } catch (IOException e) {
            System.err.println("读取文件失败: " + e.getMessage());
            e.printStackTrace();
        }
        return b64;
    }

    public static String MD5(String input) {
        try {
            MessageDigest md = MessageDigest.getInstance("MD5");
            byte[] messageDigest = md.digest(input.getBytes());

            StringBuilder hexString = new StringBuilder();
            for (byte b : messageDigest) {
                String hex = Integer.toHexString(0xff & b);
                if (hex.length() == 1)
                    hexString.append('0');
                hexString.append(hex);
            }

            return hexString.toString();

        } catch (NoSuchAlgorithmException e) {
            e.printStackTrace();
        }

        return null;
    }

    public static void main(String[] args) {
        String url = " `https://ocr-api.shiliuai.com/api/bank_card_ocr/v1` "; // 请求接口

        String imgFile = "本地图片路径";

        String app_key = "你的APPKEY";
        String app_secret = "你的APPSECRET";
        String timestamp = System.currentTimeMillis() + "";
        String sign = MD5(app_key + "&" + timestamp + "&" + app_secret);

        Map headers = new HashMap<>();
        headers.put("Content-Type", "application/json");
        headers.put("x-ca-key", app_key);
        headers.put("x-ca-timestamp", timestamp);
        headers.put("x-ca-signature", sign);

        // 请求体
        JSONObject requestObj = new JSONObject();
        requestObj.put("image_base64", get_base64(imgFile));
        String bodys = requestObj.toString();

        try (CloseableHttpClient httpClient = HttpClients.createDefault()) {
            // 创建POST请求
            HttpPost httpPost = new HttpPost(url);
            
            // 设置请求头
            for (Map.Entry entry : headers.entrySet()) {
                httpPost.addHeader(entry.getKey(), entry.getValue());
            }
            
            // 设置请求体
            StringEntity entity = new StringEntity(bodys, "UTF-8");
            httpPost.setEntity(entity);
            
            // 执行请求
            HttpResponse response = httpClient.execute(httpPost);
            
            int stat = response.getStatusLine().getStatusCode();
            if (stat != 200) {
                System.out.println("Http code: " + stat);
                System.out.println("Http  " + EntityUtils.toString(response.getEntity()));

                return;
            }

            String res = EntityUtils.toString(response.getEntity());
            JSONObject res_obj = JSON.parseObject(res);

            System.out.println(res_obj.toJSONString());
        } catch (Exception e) {
            e.printStackTrace();
        }
    }
}

4.4 C#

using System.Text;
using Newtonsoft.Json;
using Newtonsoft.Json.Linq;

namespace MyCSharpApp
{
    public class Program
    {
        public static string GetBase64(string path)
        {
            string b64 = "";
            try
            {
                // 读取文件内容
                byte[] content = File.ReadAllBytes(path);
                // 转换为Base64
                b64 = Convert.ToBase64String(content);
            }
            catch (Exception e)
            {
                Console.WriteLine(e.Message);
            }
            return b64;
        }

        public static async Task Main(string[] args)
        {
            string url = " `https://ocr-api.shiliuai.com/api/bank_card_ocr/v1` "; // 请求接口
            string appcode = "你的APPCODE";
            string imgFile = "本地图片路径";

                    using System.Security.Cryptography;
                    using System.Text;
                    using Newtonsoft.Json;
                    using Newtonsoft.Json.Linq;

                    namespace MyCSharpApp
                    {
                        public class Program
                        {
                            public static string GetBase64(string path)
                            {
                                string b64 = "";
                                try
                                {
                                    // 读取文件内容
                                    byte[] content = File.ReadAllBytes(path);
                                    // 转换为Base64
                                    b64 = Convert.ToBase64String(content);
                                }
                                catch (Exception e)
                                {
                                    Console.Error.WriteLine("读取文件失败: " + e.Message);
                                    Console.WriteLine(e.Message);
                                }
                                return b64;
                            }

                            public static string CalculateMD5(string input)
                            {
                                try
                                {
                                    // 创建MD5哈希提供程序
                                    using (MD5 md5 = MD5.Create())
                                    {
                                        // 计算输入字符串的哈希值
                                        byte[] inputBytes = Encoding.UTF8.GetBytes(input);
                                        byte[] hashBytes = md5.ComputeHash(inputBytes);

                                        // 将字节数组转换为十六进制字符串
                                        StringBuilder sb = new StringBuilder();
                                        for (int i = 0; i < hashBytes.Length; i++)
                                        {
                                            sb.Append(hashBytes[i].ToString("x2"));
                                        }
                                        return sb.ToString();
                                    }
                                }
                                catch (Exception e)
                                {
                                    Console.WriteLine(e.Message);
                                    return string.Empty; // 返回空字符串而不是null
                                }
                            }

                            public static async Task Main(string[] args)
                            {
                                string url = " `https://ocr-api.shiliuai.com/api/bank_card_ocr/v1` "; // 请求接口
                                string imgFile = "本地图片路径";
                                string app_key = "你的APPKEY";
                                string app_secret = "你的APPSECRET";
                                string timestamp = DateTimeOffset.Now.ToUnixTimeMilliseconds().ToString();
                                string sign = CalculateMD5(app_key + "&" + timestamp + "&" + app_secret);

                                // 设置请求头
                                Dictionary headers = new Dictionary
                                {
                                    { "x-ca-key", app_key },
                                    { "x-ca-timestamp", timestamp },
                                    { "x-ca-signature", sign }
                                };

                                // 请求体
                                JObject requestObj = new JObject();
                                requestObj["image_base64"] = GetBase64(imgFile);
                                string body = requestObj.ToString();
                                try
                                {
                                    using (HttpClient client = new HttpClient())
                                    {
                                        // 设置请求头
                                        foreach (var header in headers)
                                        {
                                            client.DefaultRequestHeaders.Add(header.Key, header.Value);
                                        }

                                        // 创建请求内容
                                        StringContent content = new StringContent(body, Encoding.UTF8, "application/json");

                                        // 发送请求并获取响应
                                        HttpResponseMessage response = await client.PostAsync(url, content);

                                        if (!response.IsSuccessStatusCode)
                                        {
                                            Console.WriteLine($"Http code: {(int)response.StatusCode}");
                                            Console.WriteLine($"Http {await response.Content.ReadAsStringAsync()}");
                                            return;
                                        }

                                        // 读取响应内容
                                        string responseContent = await response.Content.ReadAsStringAsync();
                                        JObject resObj = JObject.Parse(responseContent);

                                        Console.WriteLine(resObj.ToString(Formatting.Indented));
                                    }
                                }
                                catch (Exception e)
                                {
                                    Console.WriteLine(e.Message);
                                }
                            }
                        }
                    }
                }
            }
        }
using System.Security.Cryptography;
using System.Text;
using Newtonsoft.Json;
using Newtonsoft.Json.Linq;

namespace MyCSharpApp
{
    public class Program
    {
        public static string GetBase64(string path)
        {
            string b64 = "";
            try
            {
                // 读取文件内容
                byte[] content = File.ReadAllBytes(path);
                // 转换为Base64
                b64 = Convert.ToBase64String(content);
            }
            catch (Exception e)
            {
                Console.Error.WriteLine("读取文件失败: " + e.Message);
                Console.WriteLine(e.Message);
            }
            return b64;
        }

        public static string CalculateMD5(string input)
        {
            try
            {
                // 创建MD5哈希提供程序
                using (MD5 md5 = MD5.Create())
                {
                    // 计算输入字符串的哈希值
                    byte[] inputBytes = Encoding.UTF8.GetBytes(input);
                    byte[] hashBytes = md5.ComputeHash(inputBytes);

                    // 将字节数组转换为十六进制字符串
                    StringBuilder sb = new StringBuilder();
                    for (int i = 0; i < hashBytes.Length; i++)
                    {
                        sb.Append(hashBytes[i].ToString("x2"));
                    }
                    return sb.ToString();
                }
            }
            catch (Exception e)
            {
                Console.WriteLine(e.Message);
                return string.Empty; // 返回空字符串而不是null
            }
        }

        public static async Task Main(string[] args)
        {
            string url = " `https://ocr-api.shiliuai.com/api/bank_card_ocr/v1` "; // 请求接口
            string imgFile = "本地图片路径";
            string app_key = "你的APPKEY";
            string app_secret = "你的APPSECRET";
            string timestamp = DateTimeOffset.Now.ToUnixTimeMilliseconds().ToString();
            string sign = CalculateMD5(app_key + "&" + timestamp + "&" + app_secret);

            // 设置请求头
            Dictionary headers = new Dictionary
            {
                { "x-ca-key", app_key },
                { "x-ca-timestamp", timestamp },
                { "x-ca-signature", sign }
            };

            // 请求体
            JObject requestObj = new JObject();
            requestObj["image_base64"] = GetBase64(imgFile);
            string body = requestObj.ToString();
            try
            {
                using (HttpClient client = new HttpClient())
                {
                    // 设置请求头
                    foreach (var header in headers)
                    {
                        client.DefaultRequestHeaders.Add(header.Key, header.Value);
                    }

                    // 创建请求内容
                    StringContent content = new StringContent(body, Encoding.UTF8, "application/json");

                    // 发送请求并获取响应
                    HttpResponseMessage response = await client.PostAsync(url, content);

                    if (!response.IsSuccessStatusCode)
                    {
                        Console.WriteLine($"Http code: {(int)response.StatusCode}");
                        Console.WriteLine($"Http {await response.Content.ReadAsStringAsync()}");
                        return;
                    }

                    // 读取响应内容
                    string responseContent = await response.Content.ReadAsStringAsync();
                    JObject resObj = JObject.Parse(responseContent);

                    Console.WriteLine(resObj.ToString(Formatting.Indented));
                }
            }
            catch (Exception e)
            {
                Console.WriteLine(e.Message);
            }
        }
    }
}