fix(kyc): 使用正确的阿里云手机号三要素核验API

- 从 VerifyMaterial (身份三要素，需要人脸照片) 改为 Mobile3MetaSimpleVerify (手机号三要素)
- 手机号三要素验证：姓名 + 身份证号 + 手机号
- 添加 mapMobile3MetaErrorCode 方法映射错误码

文档: https://help.aliyun.com/zh/id-verification/information-verification/developer-reference/esf1ff158mxowkk6

🤖 Generated with [Claude Code](https://claude.com/claude-code)

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

backend/services/identity-service/src/infrastructure/external/kyc/aliyun-kyc.provider.ts

@@ -83,9 +83,11 @@ export class AliyunKycProvider {
 
   /**
    * ========================================
-   * 层级1: 实名认证 - 三要素验证
+   * 层级1: 实名认证 - 手机号三要素验证
    * ========================================
    * 验证姓名、身份证号和手机号是否匹配
+   * 使用阿里云 Mobile3MetaSimpleVerify API (手机号三要素核验简版)
+   * 文档: https://help.aliyun.com/zh/id-verification/information-verification/developer-reference/esf1ff158mxowkk6
    */
   async verifyIdCard(
     realName: string,
@@ -93,7 +95,7 @@ export class AliyunKycProvider {
     phoneNumber: string,
     requestId: string,
   ): Promise<IdCardVerificationResult> {
-    this.logger.log(`[AliyunKYC] [Level1] Starting ID card verification (3-factor), requestId: ${requestId}`);
+    this.logger.log(`[AliyunKYC] [Level1] Starting mobile 3-factor verification, requestId: ${requestId}`);
 
     // 开发/测试环境：模拟验证
     if (!this.enabled) {
@@ -102,27 +104,48 @@ export class AliyunKycProvider {
     }
 
     try {
-      // 调用阿里云身份三要素核验 API
+      // 调用阿里云手机号三要素核验简版 API (Mobile3MetaSimpleVerify)
+      // 参数说明:
+      // - ParamType: 加密方式 (normal=明文, md5=MD5加密, sm2=SM2加密)
+      // - UserName: 姓名
+      // - IdentifyNum: 身份证号
+      // - Mobile: 手机号
       const params = {
-        Action: 'VerifyMaterial',
+        Action: 'Mobile3MetaSimpleVerify',
         Version: '2019-03-07',
         Format: 'JSON',
-        BizType: 'ID_CARD_THREE',
-        Name: realName,
-        IdCardNumber: idCardNumber,
-        PhoneNumber: phoneNumber,
+        ParamType: 'normal',  // 使用明文传输
+        UserName: realName,
+        IdentifyNum: idCardNumber,
+        Mobile: phoneNumber,
       };
 
       const response = await this.callAliyunApi(params);
 
+      // Mobile3MetaSimpleVerify 返回结果:
+      // - Code: OK 表示请求成功
+      // - ResultObject.BizCode: 0 表示验证通过, 其他值表示验证失败
       if (response.Code === 'OK' || response.Code === '200') {
-        this.logger.log(`[AliyunKYC] [Level1] Verification SUCCESS for requestId: ${requestId}`);
-        return {
-          success: true,
-          rawResponse: response,
-        };
+        const bizCode = response.ResultObject?.BizCode;
+        const isMatch = response.ResultObject?.IsConsistent === '1' || bizCode === '0';
+
+        if (isMatch) {
+          this.logger.log(`[AliyunKYC] [Level1] Verification SUCCESS for requestId: ${requestId}`);
+          return {
+            success: true,
+            rawResponse: response,
+          };
+        } else {
+          const errorMsg = this.mapMobile3MetaErrorCode(bizCode);
+          this.logger.warn(`[AliyunKYC] [Level1] Verification FAILED: ${errorMsg} (BizCode: ${bizCode})`);
+          return {
+            success: false,
+            errorMessage: errorMsg,
+            rawResponse: response,
+          };
+        }
       } else {
-        this.logger.warn(`[AliyunKYC] [Level1] Verification FAILED: ${response.Message}`);
+        this.logger.warn(`[AliyunKYC] [Level1] API call FAILED: ${response.Message}`);
         return {
           success: false,
           errorMessage: this.mapErrorMessage(response.Code, response.Message),
@@ -139,6 +162,22 @@ export class AliyunKycProvider {
     }
   }
 
+  /**
+   * 映射手机号三要素核验错误码
+   */
+  private mapMobile3MetaErrorCode(bizCode: string): string {
+    const errorMap: Record<string, string> = {
+      '1': '姓名与身份证号不匹配',
+      '2': '身份证号与手机号不匹配',
+      '3': '姓名与手机号不匹配',
+      '4': '三要素信息均不匹配',
+      '5': '无法查询到该手机号信息',
+      '6': '手机号已注销或停机',
+      '7': '查询失败，请稍后重试',
+    };
+    return errorMap[bizCode] || `验证失败 (错误码: ${bizCode})`;
+  }
+
   /**
    * ========================================
    * 层级2: 实人认证 - 初始化人脸活体检测