Shulou(Shulou.com)06/01 Report--

First, why do you need real name authentication?

Real name authentication is the verification and audit of the authenticity of user data, in order to establish a sound and reliable Internet credit foundation. At present, the state has clearly put forward compliance requirements for real-name certification in many industries, such as finance, loan, guarantee, law, O2O, logistics, tourism, insurance, e-commerce, human resources, leasing and other industries. Real name authentication is mainly achieved through the 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 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 method is extremely inefficient and has poor user experience, which can easily lead to the loss of users in today's fierce competition for all kinds of products. it is particularly important to introduce automatic, efficient and comprehensive real-name authentication tools.

Second, real name authentication scenario

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

Travel area: for driver identification, safe travel

Recruitment area: employee cheating

Security field: collection and confirmation of identity information such as public scenic spots, stations and airports, hotel accommodation, concerts, etc.

Financial sector: avoiding fraud and credit risk control

Telecom field: telecom real-name system to avoid telecom fraud

Network field: maintain normal network order and network security

III. Data sources of real name authentication

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.

In addition to the most common platforms for real-name authentication, such as Alipay, Wechat and QQ, there are also large manufacturers that provide real-name authentication interfaces, such as Yuyou, who not only have a banking license issued by the CBRC (Zhongguancun Bank), but also have a payment license issued by the Central Bank (Changjie payment), so you can call the relevant verification interface directly from the Ministry of Public Security and UnionPay Center. Ensure that the results of each inspection are real-time and authoritative.

IV. Use of real name authentication tools

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

Register and log in, and then click on the red mark area to select [* * two elements real name verification]

two。 When you are finished, click ID in the upper right corner, select "user Portal"-"my API" in turn, and click "Verification tool" next to the "real name verification of × × two elements" you just purchased. You can find the artifact that increases the efficiency of identity verification by 1000 times.

5. The main functions of the "inspection tool"

The function of this online tool is very simple, with three main functions: "Identification basis", "identity batch" and "batch Inspection record". The editor will introduce them one by one.

1. 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

2. 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 query staff to purchase and supplement the query times in time.

VI. Advantages of "inspection tools"

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

2.1. It is easy to use and provides not only a standardized API interface for developers, but also a visual interface for business people who do not understand technology.

two。 Improve the efficiency, query 1000 pieces of data in batches at one time, and improve the efficiency of information verification.

3. Safely rest assured that the query data can only be kept online for 24 hours, and the platform promises absolutely not to cache user data and use it for commercial purposes.

4. Provide query record retrieval function, avoid secondary query, save calls, save money and effort

Product address:

Verification of two elements

Other authentication product addresses:

Real name authentication of three elements of mobile phone number

Identify picture × × information

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