为印度国有银行 SBI 的 YONO 平台提供合规的 App 协议分析、OpenData / OpenFinance 接口实现与源码交付
我们提供基于授权与公开接口的端到端交付：协议逆向分析（reverse engineering / protocol analysis）、接口重构、Open Data 集成与合规建议，输出可运行代码与接口文档。
// 步骤 1: 触发注册/发送加密 SMS 到银行 VMN
POST /api/internal/yono/send_vmnsms
Content-Type: application/json
{ 'device_id':'abc123', 'sim_index':0 }
// 步骤 2: 完成 SMS 验证后，交换短期访问令牌
POST /api/internal/yono/verify_sms
{ 'vmn_code':'XXXXX', 'device_id':'abc123' }
Response: { 'access_token':'ey...', 'refresh_token':'rty...' }
// 步骤 3: 查询 mPassbook / 对账单
GET /api/v1/yono/accounts/{account_id}/statement?from=2025-09-01&to=2025-09-30
Authorization: Bearer ey...
Response: { 'transactions':[ { 'date':'2025-09-10','amount':-250.00,'narration':'UPI-QR' } ], 'balance': 10234.50 }
企业后台对接用户对账（批量导出）、财务 SaaS 自动同步 YONO 交易、B2B 平台触发 UPI 代付、ATM 无卡取款（Yono Cash）收单对账与回调处理。
所有工作将在客户授权或使用公开/合作 API 的前提下开展。我们不提供未经授权的入侵或非法访问服务。涉及 KYC、证件或敏感个人数据时，我们建议签署 NDA 并按当地法规（例如印度的数据保护与金融监管指引）执行。
我们是一家专注于 App 接口集成与授权协议分析的技术工作室，成员来自移动应用、支付与银行业。提供从协议分析、接口重构到 Open Data 与第三方授权集成的端到端交付。
需要我方有什么信息？
多久能交付？
以下为原始应用功能与注册说明（以便技术分析与需求对齐）：
YONO SBI lets you Bank, Shop, Travel, Pay Bills, Recharge, Invest, avail IRCTC ticket booking, use UPI to transfer money, book movie tickets. With YONO SBI, convenience has a new name. Download YONO SBI, our mobile banking and lifestyle application from Google Play Store Only and experience its best-in-class features. Do not use any other websites. Registration process: YONO is supported on Android 12 and above from 01-03-2025. Please read the OS version as "12 and above" in What's new content as well as under details in "Required OS" field at "More Info" and "Compatibility for your active devices". The OS version under these sections will be updated 12 and above shortly. •Install/update new version of App from Play Store and open. •Allow all required permission (location, make/ manage phone calls). •Select SIM of CBS Registered Mobile Number (RMN) and allow for SMS permission and submit NEXT •An encrypted SMS with a unique code will be sent from the device to Bank’s VMN (Virtual Mobile Number) to verify the customer. Kindly note that for sending the SMS standard SMS charges are applicable as per your telecom plan. The SIM should have active outgoing SMS facility. In some devices, the user may have to allow sending the SMS from the outbox. •If there are multiple CIF's attached with same mobile number, system will prompt for the account number and DOB for finding out a unique customer by the mobile number. •If the customer is already having online banking facility of SBI, App will automatically prompt to proceed to register on YONO SBI app with existing user credentials (Online Banking User ID and Password). After entering User ID and Password, customer will receive an OTP on Registered Mobile Number. User has to enter the OTP in the app to complete registration with an optional setting of MPIN. •If the existing SBI customer is not having Online banking credentials, App will prompt to proceed to create INB credential using "Account Details" and "ATM Card" based registration process. •If Non RMN SIM is selected, user will land on account opening screen. If customer claims that selected SIM is already registered with bank, user needs to visit nearest branch with KYC for validating the mobile number in bank account. What YONO SBI offers you YONO SBI, SBI's latest mobile banking offering is an extension of our trusted banking legacy which gave India secure digital products such as YONO Lite and SBI Net Banking. YONO SBI puts India's largest range of products and services at your fingertips. •India's largest shopping marketplace -Exclusive discounts and offers for SBI customers across merchants who offer shopping, vacation bookings, flight and bus ticket bookings, train ticket bookings through IRCTC, food delivery and much more •Quick Transfer-Immediate fund transfer to new beneficiary up to Rs.50,000/- per day •One view- Link and view your relationships with all State Bank entities (Credit Cards, Life Insurance, General Insurance, Travel Insurance, Accident Insurance, SIP, Mutual Funds or investments) in one app •Your friend in need-Get Pre-approved personal loans on the go within 2 minutes, with no documentation at branches. •Liquidity on the go-Use this one click facility to avail overdraft against Fixed Deposit •Experience convenience: Request Cheque Books, ATM Cards/Debit Cards or use the emergency services to change ATM PIN, block ATM cards/Debit cards or stop cheques, through YONO SBI Other pre log in features: • ATM/Branch Locator • Forgot MPIN? - To reset Login MPIN • View Balance - View account balance & recent transactions • Quick Pay - Make quick & simple payments. • YONO Cash- Cardless Cash Withdrawal •Loans - Apply for Home, Car, Education & Personal Loans •Investments - Open Investment account and make investments •Best Offers - Best Online Shopping offers •Lock App - To lock app access •T&C-Terms & Conditions •Privacy Policy •Helpline - Call on Helpline No.