应用场景：

 在个人中心，查看个人绑卡列表，获取用户使用连连支付绑定的银行卡列表。

实现：

    // 用户绑定银行卡查询
    public function getMyCardList()
    {
        $user = $this->User(); // 获取当前用户信息
        $llPay = new LianLianPay();
        $result = $llPay->getLinkedacct($user);
        if ($result['status'] == 'succeeded') {
            $linked_acctlist = $result['linked_acctlist'];
            // 对银行卡号加密处理
            foreach ($linked_acctlist as $key => $value) {
                $linked_acctlist[$key]['linked_acctno'] = substr_cut($value['linked_acctno']);
            }
            return $this->renderSuccess($linked_acctlist);
        }
        return $this->renderSuccess('暂无数据');
    }

    /**
     * 隐藏敏感字符
     * @param string $value
     * @return string
     */
    function substr_cut(string $value): string
    {
        $strlen = mb_strlen($value, 'utf-8');
        if ($strlen <= 1) return $value;
        $firstStr = mb_substr($value, 0, 1, 'utf-8');
        $lastStr = mb_substr($value, -1, 1, 'utf-8');
        return $strlen == 2 ? $firstStr . str_repeat('*', $strlen - 1) : $firstStr .     str_repeat("*", $strlen - 2) . $lastStr;
    }

 LianLianPay.php

    // 03 用户绑卡信息查询
    public function getLinkedacct($user)
    {
        include_once VENDOR_PATH . '/lianlianpay/LLianPayClient.php';
        $time = date('YmdHis',time());
        $parameter = new \stdClass();
        $parameter->timestamp = $time;
        $parameter->oid_partner = $this->payee_id; // 商户号
        $parameter->user_id = $user['user_id'];
        $gateway_url = 'https://accpapi.lianlianpay.com/v1/acctmgr/query-linkedacct';
        $client = new LLianPayClient();
        $result = $client->sendRequest($gateway_url,json_encode($parameter));
        if($result['ret_code'] == '0000'){
            $result['status'] = 'succeeded';
        }else{
            $result =  ['status'=>'failed','msg'=>$result['ret_msg']];
        }
        return $result;
    }

接口返回

总结：