增加银行卡相关接口。

app/api/endpoints/bank_card.py

@@ -0,0 +1,109 @@
+from fastapi import APIRouter, Depends
+from sqlalchemy.orm import Session
+from app.models.user_bank_card import UserBankCardDB, BankCardCreate, BankCardInfo
+from app.models.user_auth import UserAuthDB
+from app.models.database import get_db
+from app.api.deps import get_current_user
+from app.models.user import UserDB
+from app.core.response import success_response, error_response, ResponseModel
+from app.core.qcloud import qcloud_manager
+from typing import List
+
+router = APIRouter()
+
+@router.post("", response_model=ResponseModel)
+async def add_bank_card(
+    card: BankCardCreate,
+    db: Session = Depends(get_db),
+    current_user: UserDB = Depends(get_current_user)
+):
+    """添加银行卡"""
+    # 检查是否已实名认证
+    if not current_user.is_auth:
+        return error_response(code=400, message="请先完成实名认证")
+    
+    # 获取认证信息
+    auth_info = db.query(UserAuthDB).filter(
+        UserAuthDB.user_id == current_user.userid
+    ).first()
+    
+    if not auth_info:
+        return error_response(code=400, message="未找到实名认证信息")
+    
+    # 验证姓名是否一致
+    if card.name != auth_info.name:
+        return error_response(code=400, message="银行卡持卡人姓名与实名认证信息不一致")
+    
+    try:
+        # 调用银行卡三要素核验
+        verify_result = await qcloud_manager.verify_bank_card(
+            name=auth_info.name,
+            id_card=auth_info.id_number,
+            card_number=card.card_number
+        )
+        
+        # 验证不通过
+        if verify_result["Result"] != "0":
+            return error_response(
+                code=400,
+                message=f"银行卡验证失败: {verify_result['Description']}"
+            )
+        
+        # 创建银行卡记录
+        bank_card = UserBankCardDB(
+            user_id=current_user.userid,
+            name=card.name,
+            card_number=card.card_number,
+            bank_name=card.bank_name
+        )
+        db.add(bank_card)
+        db.commit()
+        db.refresh(bank_card)
+        
+        return success_response(data=BankCardInfo.model_validate(bank_card))
+    except Exception as e:
+        db.rollback()
+        return error_response(code=500, message=f"添加银行卡失败: {str(e)}")
+
+@router.get("", response_model=ResponseModel)
+async def get_bank_cards(
+    db: Session = Depends(get_db),
+    current_user: UserDB = Depends(get_current_user)
+):
+    """获取用户的银行卡列表"""
+    cards = db.query(UserBankCardDB).filter(
+        UserBankCardDB.user_id == current_user.userid
+    ).all()
+    
+    # 对银行卡号进行脱敏处理
+    card_list = []
+    for card in cards:
+        card_info = BankCardInfo.model_validate(card)
+        # 只显示后四位，其他用*代替
+        card_info.card_number = f"{'*' * (len(card.card_number)-4)}{card.card_number[-4:]}"
+        card_list.append(card_info)
+    
+    return success_response(data=card_list)
+
+@router.delete("/{card_id}", response_model=ResponseModel)
+async def delete_bank_card(
+    card_id: int,
+    db: Session = Depends(get_db),
+    current_user: UserDB = Depends(get_current_user)
+):
+    """删除银行卡"""
+    card = db.query(UserBankCardDB).filter(
+        UserBankCardDB.id == card_id,
+        UserBankCardDB.user_id == current_user.userid
+    ).first()
+    
+    if not card:
+        return error_response(code=404, message="银行卡不存在")
+    
+    try:
+        db.delete(card)
+        db.commit()
+        return success_response(message="删除成功")
+    except Exception as e:
+        db.rollback()
+        return error_response(code=500, message=f"删除失败: {str(e)}") 

app/core/qcloud.py

@@ -4,6 +4,7 @@ from tencentcloud.common.profile.http_profile import HttpProfile
 from tencentcloud.common.exception.tencent_cloud_sdk_exception import TencentCloudSDKException
 from tencentcloud.faceid.v20180301 import faceid_client, models
 from tencentcloud.sms.v20210111 import sms_client, models as sms_models
+from tencentcloud.faceid.v20180301 import models as faceid_models
 from qcloud_cos import CosConfig, CosS3Client
 from app.core.config import settings
 import json
@@ -210,5 +211,51 @@ class QCloudManager:
         except Exception as e:
             raise Exception(f"获取上传URL失败: {str(e)}")
 
+    async def verify_bank_card(self, name: str, id_card: str, card_number: str) -> dict:
+        """
+        银行卡三要素核验
+        
+        Args:
+            name: 姓名
+            id_card: 身份证号
+            card_number: 银行卡号
+            
+        Returns:
+            dict: {
+                "Result": str,         # "0":认证通过 "1":认证未通过 "2":认证不确定
+                "Description": str,     # 结果描述
+                "RequestId": str       # 请求ID
+            }
+            
+        Raises:
+            Exception: 验证失败时抛出异常
+        """
+        try:
+            self._init_faceid_client()
+            
+            # 构建请求
+            req = faceid_models.BankCardVerificationRequest()
+            params = {
+                "Name": name,
+                "IdCard": id_card,
+                "BankCard": card_number
+            }
+            req.from_json_string(json.dumps(params))
+            
+            # 发送请求
+            response = self.faceid_client.BankCardVerification(req)
+            
+            # 解析结果
+            result = json.loads(response.to_json_string())
+            
+            return {
+                "Result": result.get("Result", "2"),
+                "Description": result.get("Description", "验证失败"),
+                "RequestId": result.get("RequestId", "")
+            }
+            
+        except TencentCloudSDKException as e:
+            raise Exception(f"银行卡三要素核验失败: {str(e)}")
+
 # 创建全局实例
 qcloud_manager = QCloudManager() 

app/main.py

@@ -1,6 +1,6 @@
 from fastapi import FastAPI
 from fastapi.middleware.cors import CORSMiddleware
-from app.api.endpoints import wechat,user, address, community, station, order, coupon, community_building, upload, merchant, merchant_product, merchant_order, point, config, merchant_category, log, account,merchant_pay_order, message
+from app.api.endpoints import wechat,user, address, community, station, order, coupon, community_building, upload, merchant, merchant_product, merchant_order, point, config, merchant_category, log, account,merchant_pay_order, message, bank_card
 from app.models.database import Base, engine
 from fastapi.exceptions import RequestValidationError
 from fastapi.responses import JSONResponse
@@ -32,6 +32,7 @@ app.add_middleware(RequestLoggerMiddleware)
 # 添加用户路由
 app.include_router(wechat.router,prefix="/api/wechat",tags=["微信"]) 
 app.include_router(user.router, prefix="/api/user", tags=["用户"])
+app.include_router(bank_card.router, prefix="/api/bank-cards", tags=["用户银行卡"])
 app.include_router(point.router, prefix="/api/point", tags=["用户积分"])
 app.include_router(account.router, prefix="/api/account", tags=["账户"])
 app.include_router(address.router, prefix="/api/address", tags=["配送地址"])
@@ -50,6 +51,7 @@ app.include_router(upload.router, prefix="/api/upload", tags=["文件上传"])
 app.include_router(config.router, prefix="/api/config", tags=["系统配置"])
 app.include_router(log.router, prefix="/api/logs", tags=["系统日志"])
 
+
 @app.get("/")
 async def root():
     return {"message": "欢迎使用 Beefast 蜂快到家 API"}

app/models/user_bank_card.py

@@ -0,0 +1,32 @@
+from sqlalchemy import Column, String, Integer, DateTime, ForeignKey
+from sqlalchemy.sql import func
+from pydantic import BaseModel, Field
+from typing import Optional
+from datetime import datetime
+from .database import Base
+
+class UserBankCardDB(Base):
+    __tablename__ = "user_bank_cards"
+
+    id = Column(Integer, primary_key=True, autoincrement=True)
+    user_id = Column(Integer, ForeignKey("users.userid"), nullable=False)
+    name = Column(String(50), nullable=False)
+    card_number = Column(String(30), nullable=False)
+    bank_name = Column(String(100), nullable=False)
+    create_time = Column(DateTime(timezone=True), server_default=func.now())
+    update_time = Column(DateTime(timezone=True), onupdate=func.now())
+
+class BankCardCreate(BaseModel):
+    name: str = Field(..., min_length=2, max_length=50)
+    card_number: str = Field(..., min_length=16, max_length=19, pattern="^[0-9]{16,19}$")
+    bank_name: str = Field(..., max_length=100)
+
+class BankCardInfo(BaseModel):
+    id: int
+    name: str
+    card_number: str
+    bank_name: str
+    create_time: datetime
+    
+    class Config:
+        from_attributes = True