{"id":45,"date":"2021-05-14T00:52:57","date_gmt":"2021-05-13T16:52:57","guid":{"rendered":"https:\/\/www.xudongvp.com\/?p=45"},"modified":"2021-05-14T00:52:57","modified_gmt":"2021-05-13T16:52:57","slug":"%e5%a2%83%e5%a4%96api-bank%e7%9b%91%e7%ae%a1%e6%94%bf%e7%ad%96%e8%a7%a3%e6%9e%90","status":"publish","type":"post","link":"https:\/\/www.xudongvp.com\/?p=45","title":{"rendered":"\u5883\u5916API Bank\u76d1\u7ba1\u653f\u7b56\u89e3\u6790"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>\u5f15\u8a00<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u672c\u6587\u662f\u6211\u4eec\u63a8\u51fa\u7684API Bank\u5f00\u653e\u94f6\u884c\u6cd5\u5f8b\u5408\u89c4\u7cfb\u5217\u95ee\u9898\u4e13\u9898\u8ba8\u8bba\u4e4b\u4e8c\u3002\u4e0a\u4e00\u7bc7\u6587\u7ae0\u6211\u4eec\u8ba8\u8bba\u4e86API Bank\u5728\u91d1\u878d\u6570\u636e\u5408\u89c4\u65b9\u9762\u9700\u8981\u5173\u6ce8\u7684\u51e0\u4e2a\u95ee\u9898\uff0c\u5305\u62ec\u94f6\u884c\u5728\u5f00\u5c55API 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Bank\u76d1\u7ba1\u653f\u7b56\u7684\u57fa\u7840\u4e0a\uff0c\u8bd5\u56fe\u5bf9\u56fd\u5185\u672a\u6765\u53ef\u80fd\u51fa\u53f0\u7684\u76d1\u7ba1\u653f\u7b56\u505a\u4e00\u4e9b\u5c55\u671b\uff0c\u4ee5\u671f\u80fd\u4e3a\u56fd\u5185\u5546\u4e1a\u94f6\u884c\u63d0\u4f9b\u4e00\u4e9b\u9632\u8303\u548c\u5316\u89e3API Bank\u6cd5\u5f8b\u5408\u89c4\u98ce\u9669\u7684\u601d\u8def\u3002\u540e\u7eed\u6211\u4eec\u8fd8\u4f1a\u5c31API Bank\u76f8\u5173\u7684\u5176\u4ed6\u6cd5\u5f8b\u5408\u89c4\u95ee\u9898\u63a8\u51fa\u4e13\u9898\u8ba8\u8bba\u6587\u7ae0\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00 \u82f1\u56fd<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08\u4e00\uff09\u82f1\u56fd\u76d1\u7ba1\u653f\u7b56\u7b80\u4ecb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u82f1\u56fd\u662f\u6700\u65e9\u5f00\u5c55\u5bf9\u91d1\u878d\u6570\u636e\u5171\u4eab\u53caAPI Bank\u7814\u7a76\u7684\u56fd\u5bb6\u4e4b\u4e00\uff0c\u65e9\u57282014\u5e74\u82f1\u56fd\u8d22\u653f\u90e8\u548c\u5185\u9601\u5c31\u5df2\u8981\u6c42Open Data Institute\u548c\u76d1\u7ba1\u653f\u7b56\u54a8\u8be2\u673a\u6784Fingleton Associates\u5bf9\u5546\u4e1a\u94f6\u884c\u6570\u636e\u5171\u4eab\u8fdb\u884c\u8c03\u67e5\u7814\u7a76\uff0c\u5e76\u53d1\u5e03\u4e86\u540d\u4e3a\u300a\u6570\u636e\u5206\u4eab\u548c\u94f6\u884c\u7684\u5f00\u653e\u6570\u636e\u300b\u7684\u62a5\u544a,\u4e5f\u79f0\u4e3a\u201cFingleton Report\u201d\u3002\u8be5\u62a5\u544a\u8ba4\u4e3a\uff0c\u8fdb\u4e00\u6b65\u7684\u6570\u636e\u5f00\u653e\u5c06\u4fc3\u8fdb\u82f1\u56fd\u94f6\u884c\u4e1a\u7684\u7ade\u4e89\uff0c\u5efa\u8bae\u5236\u5b9a\u94f6\u884c\u6570\u636e\u5171\u4eab\u6807\u51c6\uff0c\u4ee5\u4fbf\u4e3a\u7b2c\u4e09\u65b9\u63d0\u4f9b\u6807\u51c6\u3001\u7edf\u4e00\u7684API\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2015\u5e748\u6708\u82f1\u56fd\u8d22\u653f\u90e8\u5f00\u653e\u94f6\u884c\u5de5\u4f5c\u7ec4\u6210\u7acb\uff08\u201cThe Open Banking Working Group\u201d\uff0c\u7b80\u79f0\u201cOBWG\u201d\uff09\u65e8\u5728\u7814\u7a76\u5e76\u5236\u5b9a\u8be6\u5c3d\u7684\u5f00\u653e\u94f6\u884c\u6846\u67b6\u4e0e\u6807\u51c6\u3002OBWG\u7684\u6210\u5458\u662f\u591a\u5143\u5316\u7684\uff0c\u6210\u5458\u6765\u81ea\u4e8e\u94f6\u884c\u4e1a\u3001\u6280\u672f\u4e1a\u3001\u6d88\u8d39\u8005\u3001\u5546\u4f1a\u7b49\u4ece\u4e1a\u8005\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2016\u5e743\u6708\uff0cOBWG\u6b63\u5f0f\u5bf9\u5916\u53d1\u5e03\u4e86\u300a\u5f00\u653e\u94f6\u884c\u6807\u51c6\u6846\u67b6\u300b\uff08\u201cThe Open Banking Standard\u201d\uff0c\u7b80\u79f0\u201c\u300a\u6807\u51c6\u6846\u67b6\u300b\u201d\uff09\u3002\u300a\u6807\u51c6\u6846\u67b6\u300b\u6839\u636e\u82f1\u56fd\u94f6\u884c\u91d1\u878d\u4e1a\u7684\u5546\u4e1a\u5b9e\u8df5\uff0c\u4ee5\u6b64\u4e3a\u57fa\u7840\u5e76\u8003\u8651\u4e86\u6b27\u76df\u9690\u79c1\u548c\u6570\u636e\u4fdd\u62a4\u7684\u76f8\u5173\u89c4\u5219\uff0c\u5c31\u5f00\u653eAPI\u7684\u67b6\u6784\u3001\u8fd0\u4f5c\u3001\u6807\u51c6\u7b49\u5404\u65b9\u9762\u63d0\u51fa\u4e86\u5efa\u8bae\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u300a\u6807\u51c6\u6846\u67b6\u300b\u7531\u4e09\u5927\u6807\u51c6\u4ee5\u53ca\u4e00\u4e2a\u6cbb\u7406\u6a21\u5f0f\u7ec4\u6210\u3002\u4e09\u5927\u6807\u51c6\u662f\u6307\u6570\u636e\u6807\u51c6\u3001API\u6807\u51c6\u4e0e\u5b89\u5168\u6807\u51c6\uff0c\u5e95\u5c42\u7684\u6cbb\u7406\u6a21\u5f0f\u5219\u662f\u7ef4\u7cfb\u5f00\u653e\u94f6\u884c\u6807\u51c6\u6709\u6548\u8fd0\u884c\u7684\u57fa\u77f3\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1.\u6570\u636e\u6807\u51c6<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f00\u653e\u94f6\u884c\u4e2d\u7684\u6570\u636e\u6807\u51c6\uff0c\u4e3b\u8981\u662f\u6570\u636e\u63cf\u8ff0\u3001\u8bb0\u5f55\u7684\u89c4\u5219\uff0c\u5305\u62ec\u5bf9\u6570\u636e\u5c55\u73b0\u3001\u683c\u5f0f\u3001\u5b9a\u4e49\u3001\u7ed3\u6784\u7684\u5171\u8bc6\u3002OBWG\u5c06\u6570\u636e\u5206\u4e3a\u4e94\u7c7b\uff0c\u5206\u522b\u4e3a\u5f00\u653e\u6570\u636e\u3001\u5ba2\u6237\u4ea4\u6613\u6570\u636e\u3001\u5ba2\u6237\u53c2\u8003\u6570\u636e\u3001\u805a\u5408\u6570\u636e\u3001\u5546\u4e1a\u654f\u611f\u6570\u636e\u3002\u4e0d\u540c\u5c42\u6b21\u7684\u6570\u636e\u6240\u5305\u542b\u7684\u4fe1\u606f\u4e0d\u5c3d\u76f8\u540c\uff0c\u901a\u8fc7\u6570\u636e\u5212\u5206\uff0c\u5bf9\u4e0d\u540c\u7684\u7b2c\u4e09\u65b9\u5408\u4f5c\u673a\u6784\u5339\u914d\u4e0d\u540c\u7684\u6570\u636e\u5171\u4eab\u6743\u9650\u3002\u7b2c\u4e09\u65b9\u4f01\u4e1a\u5bf9\u94f6\u884c\u6570\u636e\u7684\u6743\u9650\u6709\u4e24\u79cd\uff1a\u4e00\u79cd\u662f\u8bfb\u53d6\u6743\u9650\uff0c\u5373\u7b2c\u4e09\u65b9\u53ef\u4ee5\u8bfb\u53d6\u94f6\u884c\u63d0\u4f9b\u7684\u6570\u636e\u548c\u6587\u4ef6\uff0c\u4f46\u4e0d\u80fd\u5bf9\u5176\u8fdb\u884c\u4fee\u6539\u3002\u53e6\u4e00\u79cd\u662f\u4e0e\u4e4b\u76f8\u53cd\u7684\u5199\u5165\u6743\u9650\uff0c\u5373\u7b2c\u4e09\u65b9\u6709\u6743\u5bf9\u94f6\u884c\u63d0\u4f9b\u7684\u6570\u636e\u548c\u6587\u4ef6\u8fdb\u884c\u4fee\u6539\u3001\u6267\u884c\u7b49\u64cd\u4f5c\u3002\u8fd9\u4e24\u7c7b\u6743\u9650\u5747\u9700\u901a\u8fc7\u5f00\u653eAPI\u5411\u7b2c\u4e09\u65b9\u673a\u6784\u5f00\u653e<sup>[1]<\/sup>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2.API\u6807\u51c6<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;API\u6807\u51c6\u662f\u5173\u4e8e\u5f00\u653eAPI\u8bbe\u8ba1\u3001\u5f00\u53d1\u548c\u7ef4\u62a4\u7684\u51c6\u5219\uff0c\u4e3b\u8981\u6d89\u53ca\u67b6\u6784\u98ce\u683c\u3001\u8d44\u6e90\u683c\u5f0f\u3001\u7248\u672c\u63a7\u5236\u7b49\u5404\u4e2a\u65b9\u9762\u3002OBWG\u5c06API\u6807\u51c6\u7eb3\u5165\u6846\u67b6\u7684\u76ee\u7684\u662f\u4e3a\u4e86\u7edf\u4e00\u5f00\u53d1\u8005\u4ece\u4e0d\u540c\u63d0\u4f9b\u8005\u5904\u83b7\u53d6\u6570\u636e\u7684\u4f53\u9a8c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3.\u5b89\u5168\u6807\u51c6<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b89\u5168\u6807\u51c6\u662f\u6307API\u89c4\u8303\u7684\u5b89\u5168\u6027\uff0c\u76ee\u7684\u662f\u4e3a\u4e86\u4fdd\u62a4\u6d88\u8d39\u8005\u7684\u6570\u636e\u5b89\u5168\u3002OBWG\u5728\u7528\u6237\u540c\u610f\u3001\u8eab\u4efd\u8ba4\u8bc1\u3001\u6b3a\u8bc8\u76d1\u63a7\u3001\u7528\u6237\u6388\u6743\u56db\u4e2a\u65b9\u9762\u63d0\u51fa\u4e86\u76f8\u5173\u610f\u89c1\u3002\u5982\u4e0b\u6240\u793a\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff081\uff09\u7528\u6237\u540c\u610f\u3002\u4e3a\u4fdd\u969c\u7528\u6237\u5229\u76ca\uff0c\u94f6\u884c\u4e0e\u7b2c\u4e09\u65b9\u5171\u4eab\u6570\u636e\u7684\u8fc7\u7a0b\u5fc5\u987b\u5f81\u5f97\u7528\u6237\u540c\u610f\u3002\u7528\u6237\u9700\u6e05\u695a\u4e86\u89e3\u7684\u6388\u6743\u6761\u4ef6\uff0c\u5177\u4f53\u5305\u62ec\uff1a\u5411\u8c01\u6388\u6743\u3001\u7b2c\u4e09\u65b9\u5f81\u5f97\u6388\u6743\u4ee5\u540e\u7684\u76ee\u7684\u3001\u6388\u6743\u6301\u7eed\u7684\u65f6\u95f4\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff082\uff09\u8eab\u4efd\u8ba4\u8bc1\u3002\u8eab\u4efd\u8ba4\u8bc1\u9700\u8981\u6570\u636e\u63d0\u4f9b\u8005\u548c\u7b2c\u4e09\u65b9\u5171\u540c\u5408\u4f5c\uff0c\u4e25\u683c\u638c\u63a7\u9a8c\u8bc1\u65b9\u6cd5\u3002\u5e76\u5efa\u8bae\u4f7f\u7528OAuth2.0\u4e0eOpen ID connect\u76f8\u534f\u540c\u7684\u8eab\u4efd\u8ba4\u8bc1\u534f\u8bae\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff083\uff09\u6b3a\u8bc8\u76d1\u63a7\u3002\u5f00\u653e\u94f6\u884cAPI\u5e94\u652f\u6301\u5e26\u5916\u7ba1\u7406\uff08Out-of-band\uff0c\u7b80\u79f0\u201cOOB\u201d\uff09\u8ba4\u8bc1\uff0c\u4ee5\u786e\u4fdd\u5f53\u53d1\u751f\u53d8\u66f4\u60c5\u51b5\uff08\u5982\u6536\u6b3e\u4eba\u7684\u6539\u53d8\uff09\u65f6\uff0c\u7528\u6237\u53ef\u4ee5\u6536\u5230\u63d0\u9192\u3002\u672a\u6765\u4e5f\u53ef\u4ee5\u5c1d\u8bd5\u5efa\u7acb\u4e00\u79cd\u5728\u7b2c\u4e09\u65b9API\u8fd4\u56de\u6d88\u606f\u4e2d\u5d4c\u5165\u6b3a\u8bc8\u76f8\u5173\u4fe1\u606f\uff08\u5982IP\u5730\u5740\u7b49\uff09\u7684\u673a\u5236\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff084\uff09\u7528\u6237\u6388\u6743\u3002\u4e3a\u9632\u8303\u7528\u6237\u6388\u6743\u7684\u6076\u610f\u4f7f\u7528\u60c5\u51b5\uff0c\u5efa\u8bae\uff1a\u7ed9\u4e88\u7528\u6237\u53ca\u6570\u636e\u63d0\u4f9b\u8005\u64a4\u9500\u6570\u636e\u6388\u6743\u7684\u9009\u62e9\uff1b\u8981\u6c42\u6570\u636e\u63d0\u4f9b\u8005\u8bbe\u7acb\u4e00\u79cd\u53ef\u8ba9\u7528\u6237\u9605\u89c8\u4e0e\u53d6\u6d88\u6240\u6709\u6388\u6743\u7684\u673a\u5236\uff1b\u4e3a\u6388\u6743\u5212\u5206\u98ce\u9669\u7b49\u7ea7\uff1b\u5bf9\u6388\u6743\u7684\u6301\u7eed\u65f6\u95f4\u8fdb\u884c\u7ea6\u675f\uff1bAPI\u8fde\u63a5\u548c\u6570\u636e\u4f20\u8f93\u9700\u52a0\u5bc6\uff0c\u81f3\u5c11\u6ee1\u8db3TLSv1.2\uff08\u4f20\u8f93\u5c42\u5b89\u5168\u6027\u534f\u5b9a1.2\uff09\u7684\u8981\u6c42\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4.\u6cbb\u7406\u6a21\u5f0f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u786e\u4fdd\u5f00\u653e\u94f6\u884c\u6807\u51c6\u7684\u843d\u5b9e\u548c\u63a8\u8fdb\uff0cOBWG\u547c\u5401\u91c7\u7528\u4e00\u4e2a\u6709\u6548\u7684\u6cbb\u7406\u6a21\u5f0f\u6765\u7edf\u7b79\u5168\u5c40\uff0c\u5177\u4f53\u5305\u542b\u4e94\u6761\u63aa\u65bd<sup>[2]<\/sup>\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff081\uff09\u8bbe\u7acb\u4e00\u4e2a\u72ec\u7acb\u7684\u673a\u6784\u3002\u5176\u804c\u8d23\u5305\u542b\u8ddf\u8e2a\u5e76\u76d1\u7763\u5f00\u653e\u94f6\u884c\u6807\u51c6\u7684\u843d\u5b9e\u548c\u90e8\u7f72\u8fdb\u7a0b\uff0c\u5904\u7406\u5ba2\u6237\u7ea0\u7eb7\uff0c\u786e\u4fdd\u6570\u636e\u5b89\u5168\u6027\uff0c\u7ef4\u62a4API\u7684\u53ef\u9760\u6027\u4e0e\u53ef\u62d3\u5c55\u6027\u4ee5\u53ca\u5176\u4ed6\u5f00\u653e\u94f6\u884c\u6846\u67b6\u4e0b\u63d0\u51fa\u7684\u8981\u6c42\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff082\uff09\u8d4b\u4e88\u72ec\u7acb\u673a\u6784\u5ba1\u67e5\u7b2c\u4e09\u65b9\u7684\u6743\u529b\u3002\u72ec\u7acb\u673a\u6784\u53ef\u80fd\u4f1a\u5728\u672a\u6765\u9009\u62e9\u6388\u6743\u5176\u4ed6\u7ec4\u7ec7\u8fdb\u884c\u5ba1\u67e5\u548c\/\u6216\u8ba4\u8bc1\uff0c\u5305\u62ec\u5e73\u53f0\uff0c\u884c\u4e1a\u534f\u4f1a\u6216\u5b75\u5316\u5668\u3002\u8fd9\u5c06\u51cf\u5c11\u72ec\u7acb\u673a\u6784\u7684\u7684\u5de5\u4f5c\u91cf\u5e76\u5f00\u653e\u5bf9Open Banking API\u7684\u8bbf\u95ee\u6743\u9650\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff083\uff09\u8981\u6c42\u7b2c\u4e09\u65b9\u673a\u6784\u6301\u6709\u4fdd\u9669\u3002\u8003\u8651\u5230\u5f00\u653e\u94f6\u884c\u6f5c\u5728\u7684\u98ce\u9669\u9690\u60a3\uff0c\u91d1\u878d\u5e02\u573a\u884c\u4e3a\u76d1\u7ba1\u5c40\uff08The Financial Conduct Authority\uff0c\u7b80\u79f0\u201cFCA\u201d\uff09\u6709\u8d23\u4efb\u6307\u5bfc\u7b2c\u4e09\u65b9\u673a\u6784\u8d2d\u4e70\u76f8\u5e94\u7684\u4fdd\u9669\uff0c\u5e76\u8bc4\u4f30\u4e0e\u4e4b\u76f8\u5bf9\u5e94\u7684\u98ce\u9669\u7a0b\u5ea6\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff084\uff09\u521b\u5efa\u4e8b\u6545\u5904\u7406\u673a\u5236\u3002\u5f53\u7528\u6237\u906d\u9047API\u76f8\u5173\u4e8b\u6545\u4e4b\u65f6\uff0c\u6709\u6743\u5229\u8054\u7cfb\u7b2c\u4e09\u65b9\u6216\u8005\u6570\u636e\u63d0\u4f9b\u8005\u6765\u534f\u5546\u89e3\u51b3\u95ee\u9898\uff0c\u5982\u679c\u903e\u671f\u672a\u5904\u7f6e\uff0c\u5c31\u53ef\u4ee5\u542f\u52a8\u4e0b\u4e00\u4e8b\u6545\u5904\u7406\u6d41\u7a0b\uff0c\u4ea4\u7531\u72ec\u7acb\u673a\u6784\u5904\u7406\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff085\uff09\u5206\u9636\u6bb5\u9010\u6b65\u5f15\u5165\u6cbb\u7406\u6a21\u5f0f\u3002OBWG\u5e76\u4e0d\u8981\u6c42\u4e00\u8e74\u800c\u5c31\u5efa\u7acb\u4e00\u4e2a\u5b8c\u5584\u7684\u6cbb\u7406\u6a21\u5f0f\uff0c\u800c\u662f\u63d0\u5021\u5faa\u5e8f\u6e10\u8fdb\u5206\u9636\u6bb5\u8fdb\u884c\u3002\u6cbb\u7406\u6a21\u5f0f\u5e94\u9075\u5faaPSD2\u7684\u8981\u6c42\uff0c\u4f46\u4e5f\u4e0d\u5e94\u4ec5\u9650\u4e8e\u6b64\u3002\u53e6\u5916\uff0c\u4e5f\u9700\u8981\u8003\u8651\u8d44\u91d1\u6210\u672c\u76f8\u5173\u95ee\u9898\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"http:\/\/www.dhl.com.cn\/ueditor\/net\/upload\/image\/20190305\/6368739083810554229550730.jpg\" alt=\"6410_\u526f\u672c.jpg\" title=\"6410_\u526f\u672c.jpg\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u25b2\u56fe\u88681\u82f1\u56fd\u5f00\u653e\u94f6\u884c\u6807\u51c6\u7f51\u7ad9<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">(\u4e8c\uff09\u8bc4\u6790<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u82f1\u56fd\u662f\u6700\u65e9\u5f00\u5c55API Bank\u76d1\u7ba1\u7814\u7a76\u7684\u56fd\u5bb6\u4e4b\u4e00\u3002\u5176\u5bf9API Bank\u91c7\u53d6\u7684\u662f\u5f00\u653e\u3001\u5305\u5bb9\u7684\u6001\u5ea6\uff0c\u5e76\u81ea\u4e0a\u800c\u4e0b\u63a8\u52a8\u76d1\u7ba1\u90e8\u95e8\u4e3b\u52a8\u7814\u7a76\u3001\u51fa\u53f0\u76f8\u5173\u76d1\u7ba1\u6307\u5f15\u653f\u7b56\u3002\u82f1\u56fdAPI Bank\u6838\u5fc3\u76d1\u7ba1\u6307\u5f15\u6587\u4ef6\u300a\u6807\u51c6\u6846\u67b6\u300b\u7684\u6838\u5fc3\u8868\u73b0\u4e3a\u4e09\u5927\u6807\u51c6\u548c\u6cbb\u7406\u6a21\u5f0f\u3002\u901a\u8fc7\u4e09\u5927\u6807\u51c6\u5c06\u94f6\u884c\u673a\u6784\u5f00\u5c55API Bank\u4e1a\u52a1\u7684\u6838\u5fc3\u5185\u5bb9\u7edf\u4e00\u8d77\u6765\u3002\u5176\u4e2d\uff0c\u6570\u636e\u6807\u51c6\u63d0\u51fa\u7684\u6700\u91cd\u8981\u7684\u5173\u952e\u8bcd\u5728\u4e8e\u201c\u5212\u5206\u201d\u548c\u201c\u6743\u9650\u201d\uff0c\u6839\u636e\u6570\u636e\u7684\u6765\u6e90\u3001\u91cd\u8981\u6027\u3001\u6d89\u5bc6\u6027\u7b49\u56e0\u7d20\u7efc\u5408\u8003\u91cf\uff0c\u5bf9\u94f6\u884c\u91d1\u878d\u6570\u636e\u8fdb\u884c\u5206\u5c42\uff0c\u8fdb\u800c\u518d\u901a\u8fc7\u5bf9\u7b2c\u4e09\u65b9\u6570\u636e\u4fdd\u62a4\u80fd\u529b\u548c\u5408\u4f5c\u6df1\u5ea6\u7684\u8bc4\u4f30\uff0c\u5171\u4eab\u4e0d\u540c\u5c42\u6b21\u7684\u6570\u636e\uff0c\u5f00\u653e\u4e0d\u540c\u7684\u6743\u9650\u3002\u6b64\u5916\u63d0\u5230\u7684\u6280\u672f\u6807\u51c6\u662f\u4e3a\u5f00\u53d1\u8005\u6240\u8bbe\u7f6e\u7684\u6709\u5173API\u6280\u672f\u5c42\u9762\u7684\u5185\u5bb9\uff0c\u56ca\u62ec\u4e86\u5927\u91cf\u5305\u62ec\u67b6\u6784\u3001\u8ba1\u7b97\u673a\u534f\u8bae\u3001\u8d44\u6e90\u683c\u5f0f\u7b49\u5185\u5bb9\u3002\u4e3a\u5145\u5206\u4fdd\u969c\u91d1\u878d\u6d88\u8d39\u8005\u7684\u4e2a\u4eba\u6570\u636e\u5b89\u5168\uff0c\u300a\u6807\u51c6\u6846\u67b6\u300b\u7684\u5b89\u5168\u6807\u51c6\u63d0\u51fa\u4e864\u5927\u65b9\u5f0f\uff0c\u5176\u4e2d\u6838\u5fc3\u7684\u5173\u952e\u8bcd\u5728\u4e8e\u201c\u540c\u610f\u201d\u3001\u201c\u6388\u6743\u201d\uff0c\u5176\u4e00\u662f\u8981\u6c42\u94f6\u884c\u5411\u7b2c\u4e09\u65b9\u5171\u4eab\u6570\u636e\u5fc5\u987b\u53d6\u5f97\u7528\u6237\u7684\u660e\u793a\u540c\u610f\uff0c\u5c06\u6388\u6743\u5bf9\u8c61\u3001\u6388\u6743\u76ee\u7684\u3001\u6388\u6743\u671f\u9650\u660e\u786e\u7684\u544a\u77e5\u7528\u6237\uff1b\u5176\u4e8c\u662f\u4e3a\u4e86\u9632\u6b62\u6388\u6743\u6ee5\u7528\uff0c\u8d4b\u4e88\u7528\u6237\u5bf9\u6570\u636e\u5171\u4eab\u8bb8\u53ef\u7684\u4efb\u610f\u64a4\u9500\u6743\uff0c\u5e76\u4e3a\u7528\u6237\u64a4\u9500\u6388\u6743\u63d0\u4f9b\u76f8\u5e94\u7684\u4fbf\u5229\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u6cbb\u7406\u6a21\u5f0f\u4e0a\uff0c\u300a\u6807\u51c6\u6846\u67b6\u300b\u63d0\u51fa\u7684\u66f4\u591a\u662f\u5021\u8bae\u6027\u7684\u5efa\u8bae\uff0c\u4f8b\u5982\u8bbe\u7f6e\u72ec\u7acb\u7684\u673a\u6784\u8d1f\u8d23\u6807\u51c6\u843d\u5b9e\u548c\u63a8\u8fdb\u3001\u8d4b\u4e88\u72ec\u7acb\u673a\u6784\u76d1\u7ba1\u6743\u9650\u7b49\uff0c\u8981\u6c42\u7b2c\u4e09\u65b9\u673a\u6784\u5f00\u5c55\u98ce\u9669\u8bc4\u4f30\u548c\u8d2d\u5165\u4fdd\u9669\u7b49\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u603b\u4f53\u800c\u8a00\uff0c\u82f1\u56fd\u4f5c\u4e3a\u4e16\u754c\u4e0a\u6700\u65e9\u5bf9API Bank\u5236\u5b9a\u6807\u51c6\u6846\u67b6\u7684\u56fd\u5bb6\u4e4b\u4e00\uff0c\u63d0\u51fa\u7684\u76d1\u7ba1\u5021\u8bae\u5177\u6709\u5f88\u5f3a\u7684\u5bfc\u5411\u578b\u3002\u5176\u4e2d\u5173\u4e8e\u6570\u636e\u548c\u5b89\u5168\u7684\u4e24\u5927\u6807\u51c6\uff0c\u6210\u4e3a\u5176\u4ed6\u56fd\u5bb6\u5236\u5b9aAPI Bank\u76d1\u7ba1\u653f\u7b56\u7684\u91cd\u8981\u53c2\u8003\u548c\u501f\u9274\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8c \u65b0\u52a0\u5761<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08\u4e00\uff09\u65b0\u52a0\u5761\u76d1\u7ba1\u653f\u7b56\u7b80\u4ecb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u65b0\u52a0\u5761\u4e5f\u662f\u8f83\u65e9\u5f00\u59cbAPI Bank\u76d1\u7ba1\u7814\u7a76\u7684\u56fd\u5bb6\u4e4b\u4e00\u30022016\u5e7411\u6708\uff0c\u65b0\u52a0\u5761\u91d1\u878d\u7ba1\u7406\u5c40\u8054\u5408\u65b0\u52a0\u5761\u94f6\u884c\u534f\u4f1a\u53d1\u5e03API\u6307\u5bfc\u624b\u518c\uff08\u201cFinance-as-a-Service:API Playbook\u201d\uff0c\u7b80\u79f0\u201cplaybook\u201d\uff09\uff0c\u63d0\u4f9b\u4e86API\u7684\u9009\u62e9\u3001\u8bbe\u8ba1\u3001\u4f7f\u7528\u73af\u8282\u6307\u5bfc\uff0c\u4ee5\u53ca\u76f8\u5e94\u7684\u6570\u636e\u548c\u5b89\u5168\u6807\u51c6\u5efa\u8bae\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1.API\u5206\u7c7b\u4e0e\u6267\u884c\u6307\u5357<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">playbook\u5728\u8fd9\u90e8\u5206\u5185\u5bb9\u4e2d\u4e0d\u4ec5\u5bf9API\u7684\u5206\u7c7b\u8fdb\u884c\u4e86\u8be6\u7ec6\u7684\u9610\u8ff0\uff0c\u8fd8\u56f4\u7ed5API\u7ecf\u6d4e\u4e2d\u7684\u53c2\u4e0e\u65b9\u2014\u2014API\u63d0\u4f9b\u8005\u3001API\u6d88\u8d39\u8005\u3001\u91d1\u878d\u79d1\u6280\u516c\u53f8\u3001\u5f00\u53d1\u8005\u793e\u533a\u63d0\u4f9b\u89d2\u8272\u6307\u5bfc\u4e0e\u6267\u884c\u6307\u5357\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">API\u5206\u7c7b\u65b9\u9762\uff0cplaybook\u57fa\u4e8e\u94f6\u884c\u3001\u4fdd\u9669\u673a\u6784\u3001\u8d44\u4ea7\u7ba1\u7406\u516c\u53f8\u3001\u76d1\u7ba1\u673a\u6784\u76845600\u591a\u6761\u65e2\u6709\u6d41\u7a0b\uff0c\u6839\u636e\u91cd\u8981\u6027\u7b5b\u9009\u4e86411\u4e2aAPI\uff08\u5bf9\u5e94700\u591a\u4e2a\u4e1a\u52a1\u6d41\u7a0b\uff09\uff0c\u8de8\u8d8a\u4ea7\u54c1\u3001\u5e02\u573a\u3001\u9500\u552e\u3001\u670d\u52a1\u3001\u652f\u4ed8\u3001\u76d1\u7ba1\u4ef7\u503c\u94fe\uff0c\u5e76\u5bf9\u6bcf\u4e00\u4e2aAPI\u63d0\u4f9b\u4e86\u8be6\u7ec6\u7684\u529f\u80fd\u8bf4\u660e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">playbook\u5bf9\u6bcf\u4e00\u7c7bAPI\u53c2\u4e0e\u8005\u7684\u5b9a\u4e49\u4ee5\u53ca\u4e0e\u5176\u76f8\u5bf9\u5e94\u7684\u64cd\u4f5c\u6307\u5357\u4e5f\u505a\u4e86\u8be6\u5c3d\u7684\u8bf4\u660e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e00\u7c7b\u662fAPI\u63d0\u4f9b\u8005\uff0c\u5373\u901a\u8fc7API\u5c06\u6570\u636e\u5171\u4eab\u51fa\u53bb\u7684\u7ec4\u7ec7\uff1b<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e8c\u7c7b\u662fAPI\u6d88\u8d39\u8005\uff0c\u5373\u4f7f\u7528API\u6765\u8bbf\u95ee\u6216\u53d1\u9001\u6570\u636e\u7684\u7ec4\u7ec7\u6216\u4e2a\u4eba\uff1b<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e09\u7c7b\u662f\u4f5c\u4e3a\u884c\u4e1a\u521b\u65b0\u5148\u950b\u7684\u91d1\u878d\u79d1\u6280\u516c\u53f8\uff1b<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b2c\u56db\u7c7b\u662f\u5f00\u53d1\u8005\u793e\u533a\uff0c\u8be5\u7c7b\u53c2\u4e0e\u8005\u4eceAPI\u63d0\u4f9b\u8005\u548c\u91d1\u878d\u79d1\u6280\u516c\u53f8\u5904\u83b7\u53d6\u4e0e\u5b83\u4eec\u5546\u4e1a\u9700\u6c42\u76f8\u7b26\u7684API\u521b\u5efa\u8981\u6c42\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2.\u6807\u51c6\u548c\u6cbb\u7406\u6a21\u5f0f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u548c\u82f1\u56fd\u7684\u300a\u6807\u51c6\u6846\u67b6\u300b\u8fd1\u4f3c\u7684\u662f\uff0c\u5728playbook\u4e2d\u4e5f\u6709\u5173\u4e8eAPI Bank\u7684\u4e09\u5927\u6807\u51c6\uff0c\u4ece\u5185\u5bb9\u4e0a\u770b\u4e0e\u82f1\u56fd\u7684\u300a\u6807\u51c6\u6846\u67b6\u300b\u5185\u5bb9\u57fa\u672c\u4e00\u81f4\uff0c\u5728\u6570\u636e\u6807\u51c6\u4e0aplaybook\u9664\u4e86\u5438\u7eb3\u300a\u6807\u51c6\u6846\u67b6\u300b\u7684\u89c4\u5b9a\u5916\uff0c\u8fd8\u5f3a\u8c03\u6700\u7ec8\u5e94\u57fa\u4e8e\u4ea4\u6362\u6570\u636e\u7684\u7c7b\u578b\u3001\u6d89\u53ca\u7684\u884c\u4e1a\u3001\u533a\u57df\u5dee\u5f02\u8fd9\u4e09\u79cd\u4e0d\u540c\u7684\u6761\u4ef6\u786e\u5b9a\u6700\u7ec8\u8981\u91c7\u7eb3\u7684\u6570\u636e\u6807\u51c6\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">playbook\u4e5f\u63d0\u8bae\u5efa\u7acb\u4e00\u4e2a\u5177\u5907\u65b0\u52a0\u5761\u91d1\u878d\u5e02\u573a\u7279\u8272\u7684\u6cbb\u7406\u6a21\u5f0f\uff0c\u65e8\u5728\u786e\u4fddAPI\u4f7f\u7528\u7684\u4e00\u81f4\u6027\u3001\u6709\u6548\u6027\u3001\u5b89\u5168\u6027\u3002\u5177\u4f53\u800c\u8a00\uff0cplaybook\u8bbe\u8ba1\u7684\u6cbb\u7406\u6a21\u5f0f\u7531\u4e0a\u81f3\u4e0b\u5206\u4e3a\u56db\u90e8\u5206\uff1aAPI\u6cbb\u7406\u6846\u67b6\u3001API\u6cbb\u7406\u53c2\u8003\u67b6\u6784\u3001API\u751f\u547d\u5468\u671f\u6cbb\u7406\u3001API\u98ce\u9669\u6cbb\u7406\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"http:\/\/www.dhl.com.cn\/ueditor\/net\/upload\/image\/20190305\/6368739099585964665890550.jpg\" alt=\"64011.jpg\" title=\"64011.jpg\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u25b2\u56fe\u88682\u65b0\u52a0\u5761\u201cAPI playbook\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">(\u4e8c\uff09\u8bc4\u6790<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u65b0\u52a0\u5761\u5bf9API Bank\u7684\u76d1\u7ba1\u6307\u5f15\u5f88\u5927\u7a0b\u5ea6\u4e0a\u53c2\u8003\u4e86\u82f1\u56fd\u7684\u300a\u6807\u51c6\u6846\u67b6\u300b\uff0c\u5e76\u8fdb\u884c\u4e86\u8fdb\u4e00\u6b65\u7684\u7ec6\u5316\u548c\u5b8c\u5584\uff0c\u5176\u4e2d\u5c06API\u53c2\u4e0e\u8005\u5206\u4e3a\u56db\u7c7b\uff0c\u4e0d\u540c\u7c7b\u7684\u53c2\u4e0e\u8005\u4ecb\u5165API\u7684\u73af\u8282\u4e5f\u4e0d\u5c3d\u76f8\u540c\uff0c\u64cd\u4f5c\u6307\u5357\u4e5f\u4e0d\u540c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e09 \u6211\u56fd\u9999\u6e2f\u5730\u533a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08\u4e00\uff09\u6211\u56fd\u9999\u6e2f\u5730\u533a\u76d1\u7ba1\u653f\u7b56\u7b80\u4ecb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2017\u5e749\u6708\uff0c\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff08\u201cthe Hong Kong Monetary Authority\u201d\uff0c\u7b80\u79f0\u201cHKMA\u201d\uff09\u5ba3\u5e03\u4e86\u4e03\u9879\u884c\u52a8\uff0c\u5e2e\u52a9\u9999\u6e2f\u8fce\u63a5\u94f6\u884c\u548c\u79d1\u6280\u878d\u5408\u7684\u201cSmart Banking\u201d\u65f6\u4ee3\uff0cOpen API\u884c\u52a8\u662f\u5176\u4e2d\u4e4b\u4e00\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2018\u5e741\u6708\uff0cHKMA\u53d1\u5e03\u300a\u9999\u6e2f\u94f6\u884c\u4e1aOpen API\u6846\u67b6\u54a8\u8be2\u6587\u4ef6\u300b\uff08\u201cConsultation Paper on Open API Framework for the Hong Kong Banking Sector\u201d,\u7b80\u79f0\u201c\u54a8\u8be2\u6587\u4ef6\u201d\uff09\uff0c\u65e8\u5728\u63a8\u52a8\u94f6\u884c\u901a\u7528API\u7684\u5e7f\u6cdb\u4f7f\u7528\uff0c\u4fc3\u8fdb\u94f6\u884c\u548c\u79d1\u6280\u516c\u53f8\u7684\u521b\u65b0\u878d\u5408\uff0c\u63d0\u5347\u94f6\u884c\u4e1a\u7ade\u4e89\u529b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2018\u5e747\u6708\uff0cHKMA\u53d1\u5e03\u300a\u9999\u6e2f\u94f6\u884c\u4e1aOpen API\u6846\u67b6\u300b\uff08\u201cOpen API Framework For The Hong Kong Banking Sector\u201d,\u7b80\u79f0\u201c\u300a\u9999\u6e2fAPI\u6846\u67b6\u300b\u201d\uff09\u3002\u636e\u300a\u9999\u6e2fAPI\u6846\u67b6\u300b\u4ecb\u7ecd\uff0c\u6587\u4ef6\u5305\u542b\u4e86\u5bf9\u54a8\u8be2\u6587\u4ef6\u5145\u5206\u534f\u5546\u540e\u7684\u5fc5\u8981\u4fee\u6539\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1.\u300a\u9999\u6e2fAPI\u6846\u67b6\u300b\u6307\u5bfc\u6027\u539f\u5219<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff081\uff09\u53d7\u63a7\u4e0b\u7684\u4e1a\u52a1\u63a8\u8fdb\u3002HKMA\u660e\u786eOpen API\u4e1a\u52a1\u7684\u63a8\u8fdb\u662f\u5bcc\u6709\u6210\u6548\u7684\uff0c\u5c06\u6839\u636e\u94f6\u884c\u4e1a\u5bf9Open API&nbsp;\u6846\u67b6\u7684\u53cd\u9988\uff0c\u6309\u7167\u6846\u67b6\u65f6\u95f4\u8868\u7684\u89c4\u5b9a\u6267\u884c\u3002HKMA\u5c06\u5bc6\u5207\u76d1\u63a7\u4e1a\u52a1\u7684\u6267\u884c\uff0c\u786e\u4fdd\u5e02\u573a\u63a5\u7eb3\u5ea6\u548c\u9f13\u52b1\u65b0\u578b\u6848\u4f8b\u7684\u8fd0\u7528\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff082\uff09\u89c6\u9999\u6e2f\u5730\u533aOpen APIs\u4e1a\u52a1\u63a8\u8fdb\u60c5\u51b5\u91c7\u7eb3\u6216\u5f00\u53d1\u5fc5\u8981\u7ba1\u63a7\u63aa\u65bd\u3002HKMA\u719f\u6089\u4e16\u754c\u5176\u4ed6\u56fd\u5bb6\u548c\u5730\u533a\u7684\u5f3a\u76d1\u7ba1\u63aa\u65bd\uff0c\u4f46\u9488\u5bf9\u9999\u6e2f\u5730\u533a\u4ecd\u91c7\u53d6\u534f\u4f5c\u6027\u3001\u9636\u6bb5\u6027\u7684\u63aa\u65bd\uff0c\u5e76\u5c06\u6839\u636eOpen API&nbsp;\u5728\u9999\u6e2f\u5730\u533a\u7684\u6267\u884c\u60c5\u51b5\u91c7\u53d6\u8fdb\u4e00\u6b65\u7684\u5fc5\u8981\u7ba1\u63a7\u63aa\u65bd\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff083\uff09\u4e0d\u5e72\u9884\u653f\u7b56\u3002\u4e3a\u4fdd\u8bc1\u9999\u6e2f\u5730\u533a\u94f6\u884c\u4e1a\u5c06Open API\u4f5c\u4e3a\u5176\u6218\u7565\u7ec4\u6210\u90e8\u5206\uff0c\u5e76\u5f97\u4ee5\u6709\u6548\u6267\u884c\uff0cHKMA\u65e0\u610f\u5c31\u5404\u94f6\u884c\u5982\u4f55\u91c7\u7528Open API\u4f5c\u51fa\u89c4\u5b9a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff084\uff09\u9ad8\u7ea7Open API\u529f\u80fd\u4f18\u5148\u786e\u8ba4\u3002\u5c06\u4ee5\u5bf9\u94f6\u884c\u548c\u6d88\u8d39\u8005\u7684\u6f5c\u5728\u6548\u76ca\u4e3a\u57fa\u7840\uff0c\u7b5b\u9009\u9ad8\u7b49\u7ea7Open API\u529f\u80fd\uff0c\u5e76\u5bf9\u5176\u4f18\u5148\u786e\u8ba4\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff085\uff09\u56fd\u9645\u6216\u884c\u4e1a\u60ef\u4f8b\u7684\u8fd0\u7528\u3002\u4e3a\u786e\u4fddOpen API\u7684\u6709\u6548\u5b9e\u65bd\u548c\u5feb\u901f\u53d1\u5c55\uff0c\u9999\u6e2fAPI\u6846\u67b6\u4e2d\u56ca\u62ec\u4e86\u56fd\u9645\u53ca\u884c\u4e1a\u5bf9\u6b64\u4e1a\u52a1\u8fd0\u7528\u7684\u60ef\u4f8b\u4e0e\u5b9e\u8df5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2.Open API\u7684\u5206\u7c7b\u4e0e\u90e8\u7f72\u65f6\u95f4<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Open API\u7684\u5206\u7c7b\u5c06\u4f18\u5148\u8003\u8651\u5176\u5185\u5bb9\u3001\u524d\u666f\u3001\u98ce\u9669\u5212\u5206\u4e3a\u4ee5\u4e0b4\u7c7b\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff081\uff09\u4ea7\u54c1\u4e0e\u670d\u52a1\u4fe1\u606f\u3002\u94f6\u884c\u63d0\u4f9b\u7684\u5305\u542b\u4ea7\u54c1\u548c\u670d\u52a1\u7ec6\u8282\u7684\u201c\u53ea\u8bfb\u201d\u7c7b\u4fe1\u606f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff082\uff09\u4ea7\u54c1\u4e0e\u670d\u52a1\u7684\u8ba2\u9605\u4e0e\u7533\u8bf7\u3002\u6d88\u8d39\u8005\u901a\u8fc7\u8bbf\u95ee\uff0c\u5141\u8bb8\u4ee5\u7f51\u7edc\u8fdb\u884c\u4fe1\u7528\u5361\u3001\u8d37\u6b3e\u6216\u5176\u4ed6\u94f6\u884c\u670d\u52a1\u7684\u63d0\u4ea4\u6216\u7533\u8bf7\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff083\uff09\u8d26\u6237\u4fe1\u606f\u3002\u5bf9\u7ecf\u8ba4\u8bc1\u5ba2\u6237\u5355\u72ec\u6216\u805a\u5408\u8d26\u6237\u4fe1\u606f(\u4f59\u989d\uff0c\u4ea4\u6613\u8bb0\u5f55\uff0c\u9650\u989d\uff0c\u652f\u4ed8\u65e5\u7a0b\u7b49)\u7684\u68c0\u7d22\u4e0e\u4fee\u6539\u3002\uff08\u987b\u7533\u8bf7\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff084\uff09\u4ea4\u6613\u3002\u7ecf\u5ba2\u6237\u8ba4\u8bc1\u7684\u5e76\u7531\u5176\u53d1\u8d77\u7684\u94f6\u884c\u4ea4\u6613\u4e0e\u652f\u4ed8\u6216\u9884\u5148\u5b89\u6392\u7684\u652f\u4ed8\u6216\u4ea4\u6613\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9488\u5bf9\u56db\u5927\u7c7bOpen API\u5206\u7c7b\u300a\u9999\u6e2fAPI\u6846\u67b6\u300b\u4e5f\u63d0\u4f9b\u4e86\u4fdd\u62a4\u6027\u8981\u6c42\uff0c\u8bf8\u5982\u94f6\u884c\u5730\u5740\u786e\u8ba4\uff0c\u6570\u636e\u5b8c\u6574\u6027\uff0cTSPs\u8ba4\u8bc1\u7b49\u63aa\u65bd\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u90e8\u7f72\u65f6\u95f4\u8868\u4e0a\uff0c\u7531\u4e8e\u4e0d\u540c\u79cd\u7c7b\u7684Open API\u5bf9\u4fdd\u62a4\u63aa\u65bd\u7684\u8981\u6c42\u8d8a\u6765\u8d8a\u590d\u6742\uff0cHKMA\u8ba4\u4e3a\u9010\u6b65\u5f00\u653e\u662f\u5408\u9002\u7684\u3002\u5bf9\u7b2c\u4e00\u9636\u6bb5\u7684\u4ea7\u54c1\u4e0e\u670d\u52a1\u4fe1\u606f\u4e0e\u4e4b\u76f8\u5bf9\u5e94\u7684\u4fe1\u606f\u6280\u672f\u4ea7\u4e1a\u5df2\u7ecf\u5341\u5206\u6210\u719f\uff0c\u5bf9\u5176\u90e8\u7f72\u76f8\u5bf9\u7b80\u5355\u548c\u5feb\u6377\u3002\u6b64\u540e\u7684\u4e09\u9636\u6bb5\u6d89\u53ca\u5230\u590d\u6742\u7684\u6280\u672f\u3001\u5b89\u5168\u3001\u8ba4\u8bc1\u57fa\u7840\u8bbe\u65bd\u9700\u8981\u5404\u65b9\u503e\u6ce8\u66f4\u591a\u7684\u52aa\u529b\u3002\u901a\u8fc7\u94f6\u884c\u5728\u5148\u524d\u9636\u6bb5\u79ef\u7d2f\u7684\u7ecf\u9a8c\uff0c\u53ef\u4ee5\u9884\u8ba1\u6b64\u540e\u51e0\u4e2a\u9636\u6bb5\u7684\u90e8\u7f72\u65f6\u95f4\u5c06\u4e0d\u4f1a\u6301\u7eed\u5f88\u4e45\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u9636\u6bb5<\/strong><\/td><td><strong>\u5f00\u653eAPI\u79cd\u7c7b<\/strong><\/td><td><strong>\u672c\u6587\u4ef6\u516c\u5e03\u540e\u7684\u5f00\u653e\u65f6\u95f4\u8868<\/strong><\/td><\/tr><tr><td>1<\/td><td>\u4ea7\u54c1\u4e0e\u670d\u52a1\u4fe1\u606f<\/td><td>6\u4e2a\u6708<\/td><\/tr><tr><td>2<\/td><td>\u4ea7\u54c1\/\u670d\u52a1\u7684\u8ba2\u9605\u4e0e\u65b0\u5e94\u7528<\/td><td>12-15\u6708<\/td><\/tr><tr><td>3<\/td><td>\u8d26\u6237\u4fe1\u606f<\/td><td>\u672a\u676512\u4e2a\u6708\u5185\u542f\u52a8<\/td><\/tr><tr><td>4<\/td><td>\u4ea4\u6613<\/td><td>\u672a\u676512\u4e2a\u6708\u5185\u542f\u52a8<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u25b2\u56fe\u88683\u9999\u6e2f\u5730\u533a\u5f00\u653e\u94f6\u884c\u4e1a\u52a1\u63a8\u8fdb\u65f6\u95f4\u8868<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0cHKMA\u5728\u89c4\u5b9aAPI\u5206\u7c7b\u548c\u90e8\u7f72\u65f6\u95f4\u7684\u540c\u65f6\uff0c\u4e5f\u8981\u6c42\u94f6\u884c\u5bf9\u4e0d\u540c\u9636\u6bb5\u5e94\u5f53\u91c7\u53d6\u4e0e\u4e4b\u76f8\u5339\u914d\u7684\u4fdd\u62a4\u7b49\u7ea7\u548c\u9002\u5f53\u7684\u4f20\u8f93\u5c42\u5b89\u5168\u534f\u5b9a\u5b89\u6392\uff0c\u5e76\u5728\u5408\u540c\u4e2d\u660e\u786e\u8d23\u4efb\u627f\u62c5\u3001\u5f52\u8d23\u3001\u7ba1\u63a7\u548c\u6d88\u8d39\u8005\u4fdd\u62a4\u7b49\u5185\u5bb9\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3.\u67b6\u6784\u3001\u5b89\u5168\u4e0e\u6570\u636e\u6807\u51c6<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u76ee\u524d\uff0c\u65e5\u672c\u3001\u65b0\u52a0\u5761\u3001\u82f1\u56fd\u7b49\u56fd\u5bb6\u4e3a\u4e86\u4fdd\u8bc1\u94f6\u884c\u53ca\u5176\u5206\u652f\u673a\u6784Open API\u5728\u5168\u7403\u7684\u987a\u5229\u5f00\u5c55\uff0c\u5df2\u7ecf\u5728\u67b6\u6784\u3001\u5b89\u5168\u4e0a\u8fbe\u6210\u4e86\u5171\u8bc6\u3002HKMA\u8ba4\u4e3a\u9999\u6e2f\u5730\u533a\u4e3a\u63a8\u8fdb\u91d1\u878d\u5efa\u8bbe\uff0c\u5bf9\u6b64\u7c7b\u884c\u4e1a\u5171\u8bc6\u6027\u5185\u5bb9\u53ea\u9700\u8981\u76f4\u63a5\u501f\u9274\u91c7\u7528\u5373\u53ef\u3002\u67b6\u6784\u6807\u51c6\u66f4\u591a\u7684\u6d89\u53ca\u8ba1\u7b97\u673a\u6280\u672f\u5c42\u9762\u7684\u5185\u5bb9\uff0c\u8bf8\u5982\u7f16\u7a0b\u8bed\u8a00\u3001\u6570\u636e\u683c\u5f0f\u3001\u4f20\u8f93\u534f\u8bae\u7684\u7edf\u4e00\u3002\u5728\u5b89\u5168\u6807\u51c6\u4e0a\uff0cHKMA\u8981\u6c42\u5f00\u653e\u7684\u56db\u5927\u5206\u7c7b\u90fd\u5fc5\u987b\u4f7f\u8ba4\u8bc1\u3001\u5b8c\u6574\u6027\u3001\u4fdd\u5bc6\u6027\u548c\u6388\u6743\u5f97\u5230\u5145\u5206\u7684\u4fdd\u8bc1\u3002\u4fdd\u8bc1\u94f6\u884c\u7f51\u7ad9\u548c\u4f20\u8f93\u6570\u636e\u7684\u5b8c\u6574\u6027\u548c\u4fdd\u5bc6\u6027\u68c0\u67e5\uff0c\u4f7f\u7528X.509\u6570\u5b57\u8bc1\u4e66\uff0c\u786e\u4fdd\u94f6\u884c\u5730\u5740\u7684\u771f\u5b9e\u6027\u3002<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4.\u7b2c\u4e09\u65b9\u6cbb\u7406\u6a21\u5f0f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">HKMA\u5728\u6587\u4ef6\u4e2d\u63d0\u51fa\uff0c\u4e3a\u4fdd\u8bc1\u521b\u65b0\u548c\u6d88\u8d39\u8005\u4fdd\u62a4\uff0c\u94f6\u884c\u9700\u8981\u91c7\u7eb3\u4e00\u4e2a\u6b63\u5f0f\u7684\u7b2c\u4e09\u65b9\u6cbb\u7406\u65b9\u5f0f\u3002\u7b2c\u4e09\u65b9\u8ba4\u8bc1\u6a21\u5f0f\u6db5\u76d6\u4e86\u5c3d\u804c\u8c03\u67e5\u3001\u7aef\u53e3\u63a5\u5165\u3001\u7ba1\u63a7\u3001\u8eab\u4efd\u4e0e\u8d23\u4efb\u3001\u6d88\u8d39\u8005\u4fdd\u62a4\u3001\u6570\u636e\u4fdd\u62a4\u3001\u57fa\u7840\u8bbe\u65bd\u6062\u590d\u80fd\u529b\u3001\u4e8b\u6545\u5904\u7406\u7b49\u4e00\u7cfb\u5217\u6d3b\u52a8\u3002\u5c31\u76ee\u524d\u6765\u770b\uff0c\u6709\u4e09\u79cd\u8ba4\u8bc1\u6a21\u5f0f\u53ef\u4f9b\u53c2\u8003\uff1a<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u662f\u53cc\u8fb9\u6a21\u5f0f\uff0c\u7531\u94f6\u884c\u81ea\u5df1\u6839\u636e\u4e0e\u7b2c\u4e09\u65b9\u7684\u5408\u4f5c\u6027\u8d28\u8fdb\u884c\u98ce\u9669\u8bc4\u4f30\u548c\u5c3d\u804c\u8c03\u67e5\uff0c\u5236\u5b9a\u653f\u7b56\u548c\u6d41\u7a0b\uff1b<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8c\u662f\u4e2d\u592e\u5b9e\u4f53\u6a21\u5f0f\uff0c\u4e2d\u592e\u5b9e\u4f53\u7531\u6240\u6709\u76f8\u5173\u94f6\u884c\u5171\u540c\u51fa\u8d44\u548c\u7ec4\u5efa\uff0c\u5236\u5b9a\u4e00\u5957\u7edf\u4e00\u7684TSP\u6cbb\u7406\u6807\u51c6\u548c\u8bc4\u4f30\u670d\u52a1\uff0c\u4ece\u800c\u7b80\u5316\u6d41\u7a0b\u5e76\u63d0\u9ad8\u6548\u7387\uff1b<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e09\u662f\u57fa\u4e8e\u4e00\u5b9a\u57fa\u51c6\u7684\u53cc\u8fb9\u6a21\u5f0f\uff0c\u4e00\u7cfb\u5217TSP\u6cbb\u7406\u57fa\u51c6\u7531\u53cc\u8fb9\u5171\u540c\u5236\u5b9a\u548c\u540c\u610f\uff0c\u94f6\u884c\u53ef\u589e\u52a0\u81ea\u5df1\u72ec\u7279\u7684\u8981\u6c42\uff0c\u4ee5\u57fa\u51c6\u6a21\u5f0f\u4f7f\u63a5\u5165\u7a0b\u5e8f\u6d41\u7a0b\u5316\u3002<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">HKMA\u5efa\u8bae\u521d\u671f\u91c7\u7eb3\u76f8\u5bf9\u7075\u6d3b\u7684\u53cc\u8fb9\u6a21\u5f0f\uff0c\u5f85\u5f00\u653e\u94f6\u884c\u4e1a\u52a1\u9010\u6e10\u6210\u719f\u540e\uff0c\u53ef\u8003\u8651\u5efa\u7acb\u4e2d\u592e\u673a\u6784\u7edf\u4e00\u7ba1\u8f96\u3002\u5982\u82e5\u80fd\u591f\u5f97\u5230\u94f6\u884c\u4e1a\u7684\u652f\u6301\uff0cHKMA\u4e5f\u53ef\u4ee5\u8003\u8651\u7b2c\u4e09\u79cd\u6a21\u5f0f\uff0c\u4e0e\u5404\u4e2a\u94f6\u884c\u4e00\u540c\u5236\u5b9a\u57fa\u51c6\u6761\u4f8b\u3002<br><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"http:\/\/www.dhl.com.cn\/ueditor\/net\/upload\/image\/20190305\/6368739121598626326213705.png\" alt=\"64011.png\" title=\"64011.png\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u25b2\u56fe\u88684\u300a\u9999\u6e2f&nbsp;API\u6846\u67b6\u300b<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">(\u4e8c\uff09\u8bc4\u6790<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6211\u56fd\u9999\u6e2f\u5730\u533a\u5173\u4e8eAPI Bank\u7684\u76d1\u7ba1\u653f\u7b56\u548c\u4e1a\u52a1\u6307\u5f15\uff0c\u867d\u7136\u8d77\u6b65\u665a\u4e8e\u5176\u4ed6\u56fd\u5bb6\u548c\u5730\u533a\uff0c\u4f46\u662f\u5728\u5185\u5bb9\u4e0a\u5bf9\u5176\u4ed6\u56fd\u5bb6\u548c\u5730\u533a\u7684\u76d1\u7ba1\u653f\u7b56\u90fd\u6709\u6240\u501f\u9274\u548c\u6539\u5584\uff0c\u5e76\u5145\u5206\u8003\u8651\u4e86\u9999\u6e2f\u5730\u533a\u7684\u4e1a\u52a1\u60c5\u51b5\u3002\u5176\u4e2d\u9010\u6b65\u63a8\u8fdb\u94f6\u884c\u4e1a\u52a1\u5f00\u653e\u7684\u65f6\u95f4\u8868\uff0c\u7531\u6613\u5230\u96be\u9632\u63a7\u98ce\u9669\uff0c\u4ee5\u53ca\u63d0\u51fa\u7684\u4e09\u79cd\u7c7b\u578b\u7684\u7b2c\u4e09\u65b9\u6cbb\u7406\u6a21\u5f0f\uff0c\u5728\u539f\u82f1\u56fdAPI Bank\u76d1\u7ba1\u6a21\u5f0f\u7684\u57fa\u7840\u4e0a\u8fdb\u4e00\u6b65\u521b\u65b0\uff0c\u503c\u5f97\u501f\u9274\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56db \u7f8e\u56fd<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08\u4e00\uff09\u7f8e\u56fd\u76d1\u7ba1\u653f\u7b56\u7b80\u4ecb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u622a\u81f3\u76ee\u524d\uff0c\u7f8e\u56fd\u5e76\u672a\u53d1\u5e03\u4e13\u95e8\u9488\u5bf9API Bank\u7684\u76d1\u7ba1\u6587\u4ef6\uff0c\u4f46\u7f8e\u56fd\u8054\u90a6\u91d1\u878d\u6d88\u8d39\u8005\u4fdd\u62a4\u5c40\uff08Consumer Fincial Protection Bureau&nbsp;,\u7b80\u79f0\u201cCFPB\u201d\uff09\u53d1\u5e03\u4e86\u91d1\u878d\u884c\u4e1a\u5f00\u5c55\u6570\u636e\u5171\u4eab\u4e1a\u52a1\u5fc5\u987b\u9075\u5faa\u76849\u5927\u539f\u5219\uff0c\u8bd1\u6587<sup>[3]<\/sup>\uff1a<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6d88\u8d39\u8005\u4fdd\u62a4\u539f\u5219\uff1a\u7ecf\u6d88\u8d39\u8005\u6388\u6743\u7684\u91d1\u878d\u6570\u636e\u5171\u4eab\u548c\u6574\u5408<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08Consumer Protection Principles :Consumer-Authorized Financial Data Sharing and Aggregation\uff09\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1.\u83b7\u53d6<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6d88\u8d39\u8005\u6709\u6743\u5728\u8981\u6c42\u540e\u4ece\u4ea7\u54c1\u548c\u670d\u52a1\u63d0\u4f9b\u65b9\u5904\u83b7\u5f97\u81ea\u5df1\u5bf9\u91d1\u878d\u4ea7\u54c1\u548c\u670d\u52a1\u6240\u6709\u6743\u548c\u4f7f\u7528\u60c5\u51b5\u7684\u4fe1\u606f\u3002\u6b64\u7c7b\u4fe1\u606f\u5e94\u8be5\u5b9e\u65f6\u63d0\u4f9b\u3002\u901a\u5e38\u6765\u8bf4\uff0c\u6d88\u8d39\u8005\u80fd\u6388\u6743\u53d7\u4fe1\u4efb\u7684\u7b2c\u4e09\u65b9\u4e3a\u4e86\u6d88\u8d39\u8005\u7684\u5229\u76ca\uff0c\u4ee5\u5b89\u5168\u7684\u65b9\u5f0f\u4ece\u6d88\u8d39\u8005\u8d26\u6237\u63d0\u4f9b\u65b9\u83b7\u53d6\u6b64\u7c7b\u4fe1\u606f\u6765\u4ee3\u8868\u6d88\u8d39\u8005\u4f7f\u7528\u5b83\u4eec\u3002<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u91d1\u878d\u8d26\u6237\u534f\u8bae\u548c\u6761\u6b3e\u652f\u6301\u5b89\u5168\u7684\u3001\u7ecf\u8fc7\u6d88\u8d39\u8005\u6388\u6743\u7684\u83b7\u53d6\u3001\u6709\u5229\u4e8e\u6d88\u8d39\u8005\u5229\u76ca\uff0c\u5e76\u4e14\u4e0d\u5bfb\u6c42\u963b\u6b62\u6d88\u8d39\u8005\u83b7\u53d6\u6216\u6388\u6743\u83b7\u53d6\u6d88\u8d39\u8005\u7684\u8d26\u6237\u4fe1\u606f\u3002\u8fd9\u79cd\u83b7\u53d6\u4e0d\u8981\u6c42\u6d88\u8d39\u8005\u5411\u7b2c\u4e09\u65b9\u5171\u4eab\u8d26\u6237\u51ed\u8bc1\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2.\u6570\u636e\u8303\u56f4\u548c\u4f7f\u7528<\/p>\n\n\n\n<p 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class=\"wp-block-paragraph\">\u5408\u4f19\u4eba\uff08\u975e\u6743\u76ca\uff09 \/ \u5f8b \u5e08<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6234\u7965<\/strong>\uff0c\u5fb7\u6052\u4e0a\u6d77\u529e\u516c\u5ba4\u4e1a\u52a1\u5408\u4f19\u4eba\u3001\u5f8b\u5e08\uff1b\u4e3b\u8981\u6267\u4e1a\u9886\u57df\u4e3a\u516c\u53f8\u9996\u53d1\u4e0a\u5e02\uff0c\u4e0a\u5e02\u516c\u53f8\u518d\u878d\u8d44\u3001\u5e76\u8d2d\u91cd\u7ec4\uff0c\u5546\u4e1a\u94f6\u884c\u79d1\u6280\u91d1\u878d\u3001\u91d1\u878d\u5e02\u573a\uff0c\u4e89\u8bae\u89e3\u51b3\u7b49\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u90ae\u7bb1\uff1a<a href=\"mailto:hongxl@dehenglaw.com\">daixiang@dehenglaw.com<\/a><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"http:\/\/www.dhl.com.cn\/ueditor\/net\/upload\/image\/20190305\/6368739868463141539500617.jpg\" alt=\"\u5fae\u4fe1\u56fe\u7247_201903051049491.png\" title=\"\u5fae\u4fe1\u56fe\u7247_201903051049491.png\"\/><\/figure>\n\n\n\n<p 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class=\"wp-block-paragraph\">\u8f6c\u8f7d\u81ea\uff1ahttp:\/\/www.dhl.com.cn\/CN\/tansuocontent\/0008\/014244\/7.aspx<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5f15\u8a00 \u672c\u6587\u662f\u6211\u4eec\u63a8\u51fa\u7684API Bank\u5f00\u653e\u94f6\u884c\u6cd5\u5f8b\u5408\u89c4\u7cfb\u5217\u95ee\u9898\u4e13\u9898\u8ba8\u8bba\u4e4b\u4e8c\u3002\u4e0a\u4e00\u7bc7\u6587\u7ae0\u6211\u4eec\u8ba8\u8bba\u4e86API Bank\u5728\u91d1\u878d\u6570\u636e\u5408\u89c4\u65b9\u9762\u9700\u8981\u5173\u6ce8\u7684\u51e0\u4e2a\u95ee\u9898\uff0c\u5305\u62ec\u94f6\u884c\u5728\u5f00\u5c55API 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