BANK_CARD_N_META,bank card element verification - ID Verification

This topic describes the API operations for 2-factor, 3-factor, and 4-factor bank card verification.

API description

API operation: BankMetaVerifyIntl
Request method: POST and GET
Transport protocol: HTTPS
Description: Verifies the consistency of bank card elements. This includes:
- 2-factor bank card verification (bank card number + name)
- 3-factor bank card verification (bank card number + name + certificate number)
- 4-factor bank card verification (bank card number + name + certificate number + mobile number)
This API operation has a dedicated QPS limit. For more information, see QPS limits for ID Verification server-side API operations.
Endpoints:
Note
- Benefits of internal network access: An internal network is a private communication network between Alibaba Cloud products within the same region. If your business server is deployed in the corresponding Alibaba Cloud region, you can use the internal same-region endpoint to access the ID Verification service. This provides more secure and stable communication.
- Optimization suggestions for access from outside China: Network environments outside China can be complex. To optimize your integration solution, reduce network latency, and minimize request failures, see Server-side network latency analysis and optimization.
China (Hong Kong)
- Public network: cloudauth-intl.cn-hongkong.aliyuncs.com
- Internal network: cloudauth-intl-vpc.cn-hongkong.aliyuncs.com

Online debugging and integration

Note

Before you debug and integrate an API operation, see Debug and integrate server-side API operations using OpenAPI Explorer for information about how to call API operations and obtain SDKs and sample code in OpenAPI Explorer.

You can debug this API operation in OpenAPI Explorer. You can also generate sample SDK code for this API operation.

Request parameters

Name	Type	Required	Description	Example
ProductCode	String	Yes	Static field: BANK_CARD_N_META	BANK_CARD_N_META
ParamType	String	Yes	Encryption method: normal: Plaintext is not encrypted. md5: MD5 encryption. Important The ciphertext for all parameters must be a 32-bit lowercase MD5 string. Different MD5 tools may produce different ciphertexts. If the API call works before encryption but fails after, try using a different MD5 tool.	normal
VerifyMode	String	Yes	VERIFY_BANK_CARD: Bank card authentication mode. This mode checks if the provided bank card number matches the user's real name, certificate number, and mobile number.	VERIFY_BANK_CARD
ProductType	String	Yes	Product type to call: BANK_CARD_2_META: Verifies the bank card number and name. BANK_CARD_3_META: Verifies the bank card number, name, and certificate number. BANK_CARD_4_META: Verifies the bank card number, name, certificate number, and mobile number.	BANK_CARD_4_META
BankCard	String	Yes	Bank card number: If ParamType is set to normal, enter the plaintext of the bank card number. If ParamType is set to md5, enter the plaintext of the bank card number except for the last 6 digits, followed by the ciphertext of the last 6 digits.	Plaintext: 12345678**** Ciphertext: 12345678f8ee21920e37807b43e7e912ab****
UserName	String	Yes	Name: If ParamType is set to normal, enter the plaintext of the name. If ParamType is set to md5, enter the ciphertext of the first character of the name, followed by the plaintext of the rest of the name.	Plaintext: Zhang San Ciphertext: 6499fc7409049355527ef6a2ba5706b8San
IdentityType	String	No	Certificate type. If you leave this parameter empty, it defaults to ID card. For other certificate types, see the Certificate type list.	01
IdentifyNum	String	No	Certificate number: If ParamType is set to normal, enter the plaintext of the certificate number. If ParamType is set to md5: For an ID card number, enter the plaintext of the first 6 digits, followed by the ciphertext of the date of birth, and then the plaintext of the last 4 digits. For other certificate types, encrypt the last two digits using MD5. Important This parameter is required if ProductType is set to one of the following values: BANK_CARD_3_META BANK_CARD_4_META	Plaintext: 429001******8211 Ciphertext: 42900132fa7bcd874161bea8ec8fd98f****8211
Mobile	String	No	Mobile number: If ParamType is set to normal, enter the plaintext of the mobile number. If ParamType is set to md5, enter the ciphertext of the mobile number. Important This parameter is required if ProductType is set to BANK_CARD_4_META.	Plaintext: 186**2055 Ciphertext: 849169cd3b20621c1c78bd61a1****

Certificate type list

IdentityType	Certificate
01	ID card
02	Officer's certificate
03	Passport
04	Mainland Travel Permits for Hong Kong and Macao Residents
05	Mainland Travel Permit for Taiwan Residents
06	Police officer's certificate
07	Soldier's certificate
08	Foreign passport
09	Foreign Permanent Resident ID Card
10	Residence Permit for Hong Kong and Macao Residents
11	Residence Permit for Taiwan Residents
12	Travel permit
13	Exit-Entry Permit

Response parameters

Name		Type	Description	Example
RequestId		String	The request ID.	130A2C10-B9EE-4D84-88E3-5384FF******
Code		String	Response code.	Success
Message		String	A detailed description of the response code.	success
ResultObject	BizCode	String	Verification result: 1: Consistent (billed) 2: Inconsistent (billed) 3: No record found (not billed)	1
ResultObject	SubCode	String	Verification details: 101: Verification passed. 201: Inconsistent authentication information. The cardholder information is incorrect. 202: Inconsistent authentication information. Authenticated payment is not enabled for the bank card. 203: Inconsistent authentication information. The bank card has expired. 204: Inconsistent authentication information. The bank card is restricted. 205: Inconsistent authentication information. This card has been confiscated. 206: Inconsistent authentication information. The bank card is invalid. 207: Inconsistent authentication information. This card has no corresponding issuing bank. 208: Inconsistent authentication information. The card is not initialized or is dormant. 209: Inconsistent authentication information. This card is a fraudulent card or has been retained. 210: Inconsistent authentication information. This card has been reported as lost. 211: Inconsistent authentication information. The number of incorrect password attempts has exceeded the limit. 212: Inconsistent authentication information. The issuing bank does not support this transaction. 213: Inconsistent authentication information. The card status is abnormal or the card is invalid. 214: Inconsistent authentication information. No mobile number is reserved. 215: Inconsistent authentication information. The entered password, expiration date, or CVN2 is incorrect. 216: Inconsistent authentication information. Other card exceptions. 301: Verification failed. The bank card does not support this service. 302: Verification failed. The verification failed or was rejected by the bank. Contact the issuing bank. 303: Verification failed. The bank card does not currently support mobile number verification. 304: Verification failed. The bank card number is incorrect. 305: Verification failed. Other reasons. 306: Verification failed. The number of verification attempts has exceeded the limit.	101

Response codes

HTTP status code	Code	Message description
200	Success	The request was successful.
400	MissingParameter	A required parameter is missing.
400	InvalidParameter	The parameter is invalid.
403	Forbidden.RAMUserAccessDenied	The Resource Access Management (RAM) user does not have the AliyunAntCloudAuthFullAccess permission. For more information, see Grant a RAM user permissions to access a service.
	Forbidden.AccountAccessDenied	Ensure that you have enabled ID verification and that your account has no overdue payments.
	Throttling.Api	The API call is blocked by throttling.
500	InternalError	An internal error occurred. Contact technical support.