Truy vấn thông tin người hưởng ngoài BIDV theo số tài khoản

GET

URLhttps://open-api.tingee.vn/v1/direct-link/financial-utility/account-inquiry

Truy vấn thông tin tài khoản hưởng

Header Request

Header	Bắt buộc	Mô tả
Content-Type	✓	application/json
x-client-id	✓	Mã định danh của đối tác do TINGEE cung cấp.
x-signature	✓	Chữ ký xác thực HMAC SHA512.
x-request-timestamp	✓	Thời gian gửi request (format: yyyyMMddHHmmssSSS, múi giờ UTC+7)

Query Parameters

Trường	Kiểu	Bắt buộc	Mô tả
bankBin	string	✓	Mã BIN ngân hàng. Xem tại Danh sách ngân hàng hỗ trợ.
accountNumber	string	✓	Số tài khoản ngân hàng hưởng

Ví dụ mã nguồn

cURL

curl --location --request GET 'https://open-api.tingee.vn/v1/direct-link/financial-utility/account-inquiry' \
--header 'accept: application/json' \
--header 'x-signature: YOUR_SIGNATURE' \
--header 'x-request-timestamp: 20251110175110111' \
--header 'x-client-id: YOUR_CLIENT_ID' \
--header 'Content-Type: application/json'

NestJS

import axios from "axios";
import { createHmac } from "crypto";
import { format } from 'date-fns';

async function makeRequest() {
const timestamp = format(new Date(), "yyyyMMddHHmmssSSS");
const secretKey = "YOUR_SECRET_KEY";
const message = `${timestamp}`;
const signature = createHmac('sha512', secretKey).update(message).digest('hex');

const res = await axios({
  method: 'GET',
  url: 'https://open-api.tingee.vn/v1/direct-link/financial-utility/account-inquiry',
  data: null,
  headers: {
    "x-client-id": "YOUR_CLIENT_ID",
    "x-request-timestamp": timestamp,
    "x-signature": signature,
    "Content-Type": "application/json",
  }
});

console.log(res.data);
}

C#

using System;
using System.Net.Http;
using System.Text;
using System.Security.Cryptography;
using System.Threading.Tasks;

public class TingeeApiExample
{
  private static readonly HttpClient client = new HttpClient();

  public static async Task Main()
  {
      var timestamp = DateTime.Now.ToString("yyyyMMddHHmmssfff");
      var secretKey = "YOUR_SECRET_KEY";
      var message = timestamp;
      var signature = CreateHmacSha512(secretKey, message);

      var request = new HttpRequestMessage(HttpMethod.Get, "https://open-api.tingee.vn/v1/direct-link/financial-utility/account-inquiry");
      request.Headers.Add("x-signature", signature);
      request.Headers.Add("x-request-timestamp", timestamp);
      request.Headers.Add("x-client-id", "YOUR_CLIENT_ID");

      var response = await client.SendAsync(request);
      string result = await response.Content.ReadAsStringAsync();
      Console.WriteLine(result);
  }

  private static string CreateHmacSha512(string key, string message)
  {
      using var hmac = new HMACSHA512(Encoding.UTF8.GetBytes(key));
      var hash = hmac.ComputeHash(Encoding.UTF8.GetBytes(message));
      return BitConverter.ToString(hash).Replace("-", "").ToLower();
  }
}

Java

import java.net.http.*;
import java.net.URI;
import java.nio.charset.StandardCharsets;
import javax.crypto.Mac;
import javax.crypto.spec.SecretKeySpec;
import java.time.LocalDateTime;
import java.time.format.DateTimeFormatter;

public class TingeeApiExample {
public static void main(String[] args) throws Exception {
  String secretKey = "YOUR_SECRET_KEY";
  String timestamp = LocalDateTime.now().format(DateTimeFormatter.ofPattern("yyyyMMddHHmmssSSS"));
  String message = timestamp;
  String signature = hmacSha512(secretKey, message);

  HttpClient client = HttpClient.newHttpClient();
  HttpRequest request = HttpRequest.newBuilder()
      .uri(URI.create("https://open-api.tingee.vn/v1/direct-link/financial-utility/account-inquiry"))
      .header("accept", "application/json")
      .header("x-signature", signature)
      .header("x-request-timestamp", timestamp)
      .header("x-client-id", "YOUR_CLIENT_ID")
      .header("Content-Type", "application/json")
      .GET()
      .build();

  HttpResponse<String> response = client.send(request, HttpResponse.BodyHandlers.ofString());
  System.out.println(response.body());
}

private static String hmacSha512(String key, String data) throws Exception {
    Mac mac = Mac.getInstance("HmacSHA512");
    SecretKeySpec secretKeySpec = new SecretKeySpec(key.getBytes(StandardCharsets.UTF_8), "HmacSHA512");
    mac.init(secretKeySpec);
    byte[] hash = mac.doFinal(data.getBytes(StandardCharsets.UTF_8));
    return toHex(hash);
}

private static String toHex(byte[] bytes) {
    StringBuilder hex = new StringBuilder(bytes.length * 2);
    for (byte b : bytes) {
        hex.append(String.format("%02x", b));
    }
    return hex.toString();
}
}

PHP

function makeApiRequest() {
  $timestamp = date("YmdHis") . substr((string)microtime(true), -3);
  $secretKey = "YOUR_SECRET_KEY";
  $message = $timestamp;
  $signature = hash_hmac("sha512", $message, $secretKey);

  $ch = curl_init();
  curl_setopt_array($ch, [
      CURLOPT_URL => "https://open-api.tingee.vn/v1/direct-link/financial-utility/account-inquiry",
      CURLOPT_RETURNTRANSFER => true,
      CURLOPT_HTTPHEADER => [
          "Accept: application/json",
          "Content-Type: application/json",
          "x-client-id: YOUR_CLIENT_ID",
          "x-request-timestamp: " . $timestamp,
          "x-signature: " . $signature
      ]
  ]);

  $response = curl_exec($ch);
  curl_close($ch);
  echo $response;
}
makeApiRequest();

Response mẫu

{
  "code": "00",
  "message": "Success",
  "data": {
    "accountNumber": "1234567890",
    "accountName": "NGUYEN VAN A",
    "bankBin": "970418"
  }
}

Trường	Kiểu	Mô tả
code	string	Mã kết quả (00 = Thành công).
message	string	Thông điệp phản hồi.
data.accountNumber	string	Số tài khoản.
data.accountName	string	Tên chủ tài khoản.
data.bankBin	string	Mã BIN ngân hàng.

---

Mã lỗi thường gặp

Code	Mô tả	Hướng xử lý
90	Sai format timestamp	Kiểm tra format yyyyMMddHHmmssSSS.
91	Request quá hạn	Kiểm tra thời gian gửi request.
97	Sai chữ ký	Kiểm tra lại Secret Key và logic tạo Signature.
Others	Lỗi khác	Xem Danh sách mã lỗi.