Shulou(Shulou.com)06/02 Report--

"real name authentication" is a way to verify the authenticity and compliance of user data. In the face of the virtuality and complexity of the Internet and e-commerce and other fields, we should take effective measures to prevent and resolve risks and safeguard the interests and security of enterprises and individual users. At present, the state has clearly put forward real-name certification compliance requirements for many industries, such as finance, loan, guarantee, law, O2O, logistics, tourism, insurance, e-commerce, human resources, leasing, games and other industries.

Real-name authentication is mainly realized through multi-dimensional and multi-element authentication and verification of × ×, mobile phone number and bank card, in which bank card authentication not only plays the role of "real name", but also is the information basis for users to withdraw cash.

In this context, how to quickly and accurately verify the real name of a large number of users has become a landing difficulty and efficiency constraint for people in the industry to promote real-name authentication. In the past, the most effective way of verification is through manual verification, but this way is extremely inefficient and poor user experience, which can easily lead to the loss of users in today's era of efficiency priority and fierce competition. Then, accordingly, it is particularly important to introduce automatic, efficient and comprehensive real-name authentication tools.

What are the "famous scenes" of enterprise real-name certification? What process links can enterprises supplement and land their own business through the form of real-name authentication interface?

Game field: you can check the identity of game players, control underage players and confirm the owner of virtual property.

Travel area: used for driver identification, to facilitate platform safety supervision and responsibility tracking, to ensure travel safety.

Recruitment area: staff background check, data authenticity screening, reduce the operating cost of employer verification.

Security field: collect and confirm identity information in public scenic spots, stations and airports, hotel accommodation, concerts and other occasions.

Financial field: check the authenticity of relevant information such as × ×, mobile phone number and bank card number from the source, so as to avoid fraud risk, credit risk and money laundering risk.

Telecommunications field: telecom real-name system, avoid telecom fraud, meet the needs of policies and regulations and corporate social responsibility.

Network field: maintain normal network order and network security, standardize netizens' behavior, and create a healthy and safe environment.

With so many industries and usage scenarios requiring real-name authentication, what is the source and quality of the data?

At present, among the domestic real name authentication data service providers, some use cached data to provide services, and some use UnionPay data to verify two, three and four elements. However, the way of caching data cannot enter large companies with strict qualification verification, and the way of UnionPay data will also be because the bank only records the valid identity information of the user when opening the card, unable to judge whether the user's identity information and its status have changed after opening an account, resulting in the information not updated in a timely manner. It is recognized by the industry that only the interface directly connected to the public security database can maximize the real-time accuracy of names and × × numbers. The interface of the public security database will never be opened directly to the public, and only the banks and payment companies with many authoritative qualifications may have the opportunity to obtain the corresponding data and information.

You have not only the banking license issued by the CBRC (Zhongguancun Bank), but also the payment license issued by the Central Bank (smooth payment), so you can directly call the relevant verification interface from the Ministry of Public Security and UnionPay Center to ensure that the results of each verification are real-time and authoritative.

Convenient implementation of real name authentication: the use of verification tools

The following operation steps are introduced by taking the real name authentication of × × two elements as an example.

Register and log in (anchor link https://api.yonyoucloud.com/apilink/tempServicePages/8ff430c1-03ac-4dc9-8911-9aab92cecd52_true.html), and then purchase [* * two elements real name verification]

After the purchase is completed, click ID in the upper right corner, and then select "user Portal"-"my API", and click "Verification tool" next to the "real name verification of × × two elements" that you just purchased.

This "verification tool" has three main functions: "identity basis", "identity batch" and "batch inspection record".

The "identity verification basis" function can directly query whether the name is consistent with × ×, enter the "name" and "× × number" of the person to be checked as prompted, and click "query" to return the verification message. As shown in the following figure:

"identity batch" is suitable for batch querying names and × × numbers, downloading templates and entering the name and × × × number information you want to query as required, and then uploading this file, you can query identity information in batches and check up to 1000 pieces of data at a time.

The query results will be displayed on the page

The "batch inspection record" can be used to query the historical query records, and the "remaining calls" will be updated in real time at the top right of the page to remind the inquiry staff to purchase and supplement the query times in time.

Advantages of inspection tools

Generally speaking, the "verification tool" has the following significant advantages over the API interface and query system:

Easy to use, not only provides a standardized API interface for developers, but also provides a visual operation interface for business personnel who do not understand technology; improve efficiency, one-time batch query of 1000 pieces of data, improve the efficiency of information verification; safely rest assured that the query data is only kept online for 24 hours, and the user promises never to cache user data and use it for commercial purposes. Provide query record retrieval function, avoid secondary query, save calls, save money and effort

Service experience address:

Please add a link description to verify the two elements.

Three elements of mobile phone number, real name authentication, please add a link description.

Real name authentication of three elements of bank card, please add a link description

Please add a link description to identify a picture.

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