feat(kyc): 升级实名认证为三要素验证（姓名+身份证号+手机号）
- 后端 aliyun-kyc.provider.ts: 改用 ID_CARD_THREE 类型，添加 PhoneNumber 参数 - 后端 kyc-application.service.ts: 从用户账户获取手机号传递给 KYC provider - 前端 kyc_id_page.dart: 更新文案为"三要素验证" 🤖 Generated with [Claude Code](https://claude.com/claude-code) Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>
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@ -211,15 +211,16 @@ export class KycApplicationService {
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/**
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* ========================================
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* 层级1: 实名认证 - 提交二要素验证
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* 层级1: 实名认证 - 提交三要素验证
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* ========================================
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* 验证姓名+身份证号+手机号（手机号从用户账户获取）
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*/
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async submitRealNameVerification(
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userId: string,
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realName: string,
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idCardNumber: string,
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) {
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this.logger.log(`[KYC] [Level1] Submitting real name verification for user: ${userId}`);
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this.logger.log(`[KYC] [Level1] Submitting real name verification (3-factor) for user: ${userId}`);
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const config = await this.getKycConfig();
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if (!config.level1Enabled) {
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@ -231,6 +232,7 @@ export class KycApplicationService {
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select: {
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realNameVerified: true,
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kycStatus: true,
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phoneNumber: true,
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},
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});
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@ -242,6 +244,10 @@ export class KycApplicationService {
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throw new ApplicationError('实名认证已完成，无需重复提交');
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}
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if (!user.phoneNumber) {
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throw new ApplicationError('未绑定手机号，无法进行实名认证');
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}
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// 生成请求 ID
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const requestId = `REAL_NAME_${userId}_${Date.now()}`;
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@ -249,22 +255,24 @@ export class KycApplicationService {
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const attempt = await this.prisma.kycVerificationAttempt.create({
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data: {
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userId: BigInt(userId),
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verificationType: 'ID_CARD',
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verificationType: 'ID_CARD_THREE',
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provider: 'ALIYUN',
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requestId,
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inputData: {
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realName: this.maskName(realName),
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idCardNumber: this.maskIdCard(idCardNumber),
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phoneNumber: this.maskPhoneNumber(user.phoneNumber),
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},
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status: 'PENDING',
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},
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});
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try {
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// 调用阿里云二要素验证
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// 调用阿里云三要素验证
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const result = await this.aliyunKycProvider.verifyIdCard(
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realName,
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idCardNumber,
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user.phoneNumber,
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requestId,
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);
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@ -53,7 +53,7 @@ export interface IdCardOcrResult {
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/**
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* 阿里云实人认证服务 - 支持三层认证
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*
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* 层级1: 实名认证 - 二要素验证（姓名+身份证号）
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* 层级1: 实名认证 - 三要素验证（姓名+身份证号+手机号）
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* 层级2: 实人认证 - 人脸活体检测
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* 层级3: KYC - 证件照OCR识别验证
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*
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@ -83,32 +83,34 @@ export class AliyunKycProvider {
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/**
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* ========================================
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* 层级1: 实名认证 - 二要素验证
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* 层级1: 实名认证 - 三要素验证
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* ========================================
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* 验证姓名和身份证号是否匹配
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* 验证姓名、身份证号和手机号是否匹配
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*/
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async verifyIdCard(
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realName: string,
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idCardNumber: string,
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phoneNumber: string,
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requestId: string,
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): Promise<IdCardVerificationResult> {
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this.logger.log(`[AliyunKYC] [Level1] Starting ID card verification, requestId: ${requestId}`);
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this.logger.log(`[AliyunKYC] [Level1] Starting ID card verification (3-factor), requestId: ${requestId}`);
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// 开发/测试环境：模拟验证
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if (!this.enabled) {
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this.logger.warn('[AliyunKYC] KYC is disabled, using mock verification');
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return this.mockIdCardVerification(realName, idCardNumber);
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return this.mockIdCardVerification(realName, idCardNumber, phoneNumber);
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}
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try {
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// 调用阿里云身份二要素核验 API
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// 调用阿里云身份三要素核验 API
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const params = {
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Action: 'VerifyMaterial',
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Version: '2019-03-07',
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Format: 'JSON',
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BizType: 'ID_CARD_TWO',
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BizType: 'ID_CARD_THREE',
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Name: realName,
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IdCardNumber: idCardNumber,
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PhoneNumber: phoneNumber,
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};
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const response = await this.callAliyunApi(params);
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@ -410,8 +412,8 @@ export class AliyunKycProvider {
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// ============ Mock 方法 (开发/测试环境) ============
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private mockIdCardVerification(realName: string, idCardNumber: string): IdCardVerificationResult {
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this.logger.log('[AliyunKYC] Using mock ID card verification');
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private mockIdCardVerification(realName: string, idCardNumber: string, phoneNumber: string): IdCardVerificationResult {
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this.logger.log('[AliyunKYC] Using mock ID card verification (3-factor)');
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// 基本格式验证
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if (!realName || realName.length < 2) {
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@ -441,9 +443,19 @@ export class AliyunKycProvider {
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};
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}
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// 手机号格式验证
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const phoneRegex = /^1[3-9]\d{9}$/;
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if (!phoneNumber || !phoneRegex.test(phoneNumber)) {
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return {
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success: false,
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errorMessage: '手机号格式不正确',
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rawResponse: { mock: true, reason: 'invalid_phone' },
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};
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}
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return {
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success: true,
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rawResponse: { mock: true, verifyTime: new Date().toISOString() },
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rawResponse: { mock: true, verifyTime: new Date().toISOString(), verifyType: '3-factor' },
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};
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}
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@ -4,7 +4,7 @@ import 'package:flutter_screenutil/flutter_screenutil.dart';
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import 'package:go_router/go_router.dart';
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import 'kyc_entry_page.dart';
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/// KYC 层级1: 实名认证页面 (二要素验证)
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/// KYC 层级1: 实名认证页面 (三要素验证: 姓名+身份证号+手机号)
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class KycIdPage extends ConsumerStatefulWidget {
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const KycIdPage({super.key});
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@ -143,7 +143,7 @@ class _KycIdPageState extends ConsumerState<KycIdPage> {
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SizedBox(height: 24.h),
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Text(
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'二要素验证',
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'三要素验证',
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style: TextStyle(
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fontSize: 24.sp,
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fontWeight: FontWeight.w700,
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@ -152,7 +152,7 @@ class _KycIdPageState extends ConsumerState<KycIdPage> {
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),
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SizedBox(height: 8.h),
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Text(
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'请填写与身份证一致的信息',
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'请填写与身份证一致的信息，系统将自动使用您的注册手机号进行验证',
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style: TextStyle(
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fontSize: 14.sp,
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color: const Color(0xFF999999),
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@ -224,7 +224,7 @@ class _KycIdPageState extends ConsumerState<KycIdPage> {
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SizedBox(width: 8.w),
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Expanded(
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child: Text(
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'您的身份信息将通过权威数据源进行验证，信息将被加密存储，不会泄露给任何第三方。',
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'您的身份信息（姓名+身份证号+手机号）将通过权威数据源进行三要素验证，信息将被加密存储，不会泄露给任何第三方。',
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style: TextStyle(
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fontSize: 12.sp,
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color: const Color(0xFFE65100),
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