银行卡二要素验证（卡号+身份证号）

const https = require('https');

const options = {
  'method': 'POST',
  'hostname': 'chinadatapay.apistd.com',
  'path': '/communication/personal/2140?key=your_access_key_here&acct_no=62**************&idcard=422825************'
};

const req = https.request(options, (res) => {
  const chunks = [];

  res.on("data", (chunk) => {
    chunks.push(chunk);
  });

  res.on("end", (chunk) => {
    const body = Buffer.concat(chunks);
    console.log(body.toString());
  });

  res.on("error", (error) => {
    console.error(error);
  });
});

req.end();