feat(userVerify): 添加阿里云身份证二要素核验功能

- 在接口层新增 verifyIdCard 接口，实现姓名与身份证号核验
- userVerify 页面提交时增加身份核验逻辑，核验失败阻止提交
- 调用核验接口时显示加载状态，并根据结果提示用户
- 后端依赖 aliyun cloudauth，提供实人认证相关服务接口
- 完成基本的错误捕获与用户提示，提升实名认证流程安全性

src/api/system/userVerify/index.ts

@@ -128,3 +128,24 @@ export async function submit(data: UserVerify) {
   }
   return Promise.reject(new Error(res.message));
 }
+
+/**
+ * 阿里云实人认证 - 身份证二要素核验
+ * 验证姓名和身份证号是否一致
+ */
+export async function verifyIdCard(realName: string, idCard: string) {
+  const res = await request.post<ApiResult<{
+    success: boolean;
+    isMatch: boolean;
+    bizCode: string;
+    message: string;
+  }>>(
+    SERVER_API_URL + '/id-verification/verify-id-card',
+    null,
+    { params: { realName, idCard } }
+  );
+  if (res.code === 0) {
+    return res.data;
+  }
+  return Promise.reject(new Error(res.message));
+}

src/user/userVerify/index.tsx

@@ -11,7 +11,7 @@ import {
   Checkbox,
 } from '@nutui/nutui-react-taro'
 import {UserVerify} from "@/api/system/userVerify/model";
-import {addUserVerify, myUserVerify, updateUserVerify} from "@/api/system/userVerify";
+import {addUserVerify, myUserVerify, updateUserVerify, verifyIdCard} from "@/api/system/userVerify";
 import {uploadFile} from "@/api/system/file";
 
 function Index() {
@@ -62,7 +62,7 @@ function Index() {
   };
 
   // 提交表单
-  const submitSucceed = (values: any) => {
+  const submitSucceed = async (values: any) => {
     console.log('提交表单', values);
     if (FormData.status != 2 && FormData.status != undefined) return false;
 
@@ -113,6 +113,36 @@ function Index() {
       });
       return false;
     }
+
+    // 个人认证：先调用阿里云实人认证进行身份核验
+    if (FormData.type == 0) {
+      Taro.showLoading({ title: '身份核验中...' });
+      try {
+        const verifyResult = await verifyIdCard(FormData.realName!, FormData.idCard!);
+        Taro.hideLoading();
+        
+        if (!verifyResult.isMatch) {
+          Taro.showToast({
+            title: '身份信息不一致，请核实后重新填写',
+            icon: 'none',
+            duration: 3000
+          });
+          return false;
+        }
+        
+        // 核验通过，继续提交
+      } catch (error: any) {
+        Taro.hideLoading();
+        console.error('身份核验失败', error);
+        Taro.showToast({
+          title: error.message || '身份核验失败，请稍后重试',
+          icon: 'none',
+          duration: 3000
+        });
+        return false;
+      }
+    }
+
     const saveOrUpdate = isUpdate ? updateUserVerify : addUserVerify;
     saveOrUpdate({...FormData, status: 0}).then(() => {
       Taro.showToast({title: `提交成功`, icon: 'success'})