手机号码中间四位替换*
$str = substr_replace($phone, '****', 3, 4)
姓名中间的字替换*
$strlen = mb_strlen($username, 'utf-8');
$firstStr = mb_substr($username, 0, 1, 'utf-8');
$lastStr = mb_substr($username, -1, 1, 'utf-8');
$str = $strlen == 2 ? $firstStr . str_repeat('*', mb_strlen($username, 'utf-8') - 1) : $firstStr . str_repeat("*", $strlen - 2) . $lastStr;