API接入文档

import { createHash, createHmac, randomUUID } from "node:crypto";

const method = "POST";
const path = "/partner/v1/asset-packages";
const baseUrl = process.env.ANSON_PARTNER_BASE_URL;
const partnerId = process.env.ANSON_PARTNER_ID;
const partnerSecret = process.env.ANSON_PARTNER_SECRET;
const timestamp = String(Math.floor(Date.now() / 1000));
const nonce = randomUUID();
const idempotencyKey = randomUUID();
const rawBody = JSON.stringify(payload); // 发送时必须原样使用 rawBody
const bodyHash = createHash("sha256").update(rawBody, "utf8").digest("hex");
const signBase = [method, path, timestamp, nonce, bodyHash].join("\n");
const signature = createHmac("sha256", partnerSecret)
  .update(signBase, "utf8")
  .digest("base64");

const response = await fetch(`${baseUrl}${path}`, {
  method,
  headers: {
    "Content-Type": "application/json",
    "X-Partner-Id": partnerId,
    "X-Timestamp": timestamp,
    "X-Nonce": nonce,
    "X-Signature": signature,
    "Idempotency-Key": idempotencyKey
  },
  body: rawBody
});
console.log(response.status, await response.json());

{"batchRef":"batch-20260914-001","docFormat":"pdf"}

{
  "schemaVersion": "partner-asset-package.v1",
  "batchRef": "batch-20260914-001",
  "submittedAt": "2026-09-14T19:00:00+08:00",
  "rowCount": 1,
  "rowsChecksum": "f9e8c366edb64d8a33fa42050f502ee0e0c0939cf8f0d3689c2e78a9752b3014",
  "rows": [
    {
      "rowRef": "row-001",
      "loanInfo": {
        "contractRef": "loan-001",
        "borrowerRef": "customer-001",
        "borrowerName": "张三",
        "borrowerPhone": "",
        "productCategory": "consumer_credit",
        "productName": "消费分期",
        "principalAmount": "12000.00",
        "interestRate": "18.00",
        "repaymentMethod": "equal_installment",
        "loanTerm": 12,
        "disbursementDate": "2026-06-01",
        "finalDueDate": "2027-05-01"
      },
      "overdueInfo": {
        "overdueDays": 45,
        "firstOverdueInstallmentNo": 3,
        "remainingPrincipal": "9360.00",
        "overdueAmount": "1260.50",
        "overduePrincipal": "1100.00",
        "overdueService": "120.50",
        "penaltyAmount": "40.00"
      },
      "contactInfo": [
        {
          "role": "emergency_contact",
          "relationship": "配偶",
          "name": "李四",
          "phone": ""
        }
      ],
      "repaymentPlan": [
        {
          "installmentNo": 3,
          "dueDate": "2026-07-31",
          "dueAmount": "1260.50",
          "paidAmount": "0.00",
          "overduePrincipal": "1100.00",
          "overdueService": "120.50",
          "penaltyAmount": "40.00",
          "status": "overdue"
        }
      ],
      "contractDocument": {
        "fileName": "loan-001.pdf",
        "docHash": "aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa",
        "objectRef": "partner-docs/partner-demo-001/batch-20260914-001/loan-001.pdf"
      }
    }
  ]
}

const rowsJson = JSON.stringify(payload.rows);
payload.rowsChecksum = createHash("sha256")
  .update(rowsJson, "utf8")
  .digest("hex");

// 最后再固定整个请求体；签名和 HTTP 请求必须使用同一个 rawBody
const rawBody = JSON.stringify(payload);

{
  "packageRef": "partner-package:example",
  "batchRef": "batch-20260914-001",
  "status": "admitted_with_restrictions",
  "qualityGrade": "needs_review",
  "validatedRowCount": 1,
  "admittedRowCount": 1,
  "rejectedRowCount": 1,
  "idempotentReplay": false,
  "rowResults": [
    {
      "rowPosition": 1,
      "rowRef": "row-001",
      "status": "build_success",
      "errorCode": null,
      "errorField": null,
      "errorMessage": null,
      "caseRef": "case:partner:example",
      "assetRef": "asset:partner:example"
    },
    {
      "rowPosition": 2,
      "rowRef": "row-002",
      "status": "rejected",
      "errorCode": "invalid_request",
      "errorField": "rows[].loanInfo.borrowerPhone",
      "errorMessage": "手机号格式不正确",
      "caseRef": null,
      "assetRef": null
    }
  ]
}

{
  "code": "rows_checksum_mismatch",
  "message": "rowsChecksum 校验失败"
}