bankcard3c-verify
Bank Card 3-Factor Verification
Verify the consistency of a bank card number, cardholder name, and ID number to ensure data authenticity and prevent financial risks.
Usage Cost
40 coins/call
Quick Start
Use a unified response envelope and call directly from your backend.
https://openapi.toolkk.com/v1/bankcard3c-verifycURL Example
curl --request GET \
--url 'https://openapi.toolkk.com/v1/bankcard3c-verify' \
--header 'Content-Type: application/json' \
--header 'X-API-Key: YOUR_API_KEY' \
--data '{\n "name": "张三",\n "idcard": "110105199003078887",\n "bankcard": "6228480402564890018"\n}'Python Example
import os
import requests
url = "https://openapi.toolkk.com/v1/bankcard3c-verify"
payload = {
"name": "张三",
"idcard": "110105199003078887",
"bankcard": "6228480402564890018"
}
headers = {
"Content-Type": "application/json",
"X-API-Key": os.getenv("TOOLKK_API_KEY", "YOUR_API_KEY"),
}
response = requests.get(url, headers=headers, params=payload, timeout=30)
response.raise_for_status()
print(response.json())Go Example
package main
import (
"bytes"
"fmt"
"io"
"net/http"
)
func main() {
endpoint := "https://openapi.toolkk.com/v1/bankcard3c-verify"
payload := []byte("{\n \"name\": \"张三\",\n \"idcard\": \"110105199003078887\",\n \"bankcard\": \"6228480402564890018\"\n}")
req, err := http.NewRequest("GET", endpoint, bytes.NewBuffer(payload))
if err != nil {
panic(err)
}
req.Header.Set("Content-Type", "application/json")
req.Header.Set("X-API-Key", "YOUR_API_KEY")
resp, err := http.DefaultClient.Do(req)
if err != nil {
panic(err)
}
defer resp.Body.Close()
body, err := io.ReadAll(resp.Body)
if err != nil {
panic(err)
}
fmt.Println(string(body))
}Java Example
import java.net.URI;
import java.net.http.HttpClient;
import java.net.http.HttpRequest;
import java.net.http.HttpResponse;
public class ToolkkExample {
public static void main(String[] args) throws Exception {
String payload = "{\n \"name\": \"张三\",\n \"idcard\": \"110105199003078887\",\n \"bankcard\": \"6228480402564890018\"\n}";
HttpRequest request = HttpRequest.newBuilder()
.uri(URI.create("https://openapi.toolkk.com/v1/bankcard3c-verify"))
.method("GET", HttpRequest.BodyPublishers.ofString(payload))
.header("Content-Type", "application/json")
.header("X-API-Key", "YOUR_API_KEY")
.build();
HttpResponse<String> response = HttpClient.newHttpClient()
.send(request, HttpResponse.BodyHandlers.ofString());
System.out.println(response.body());
}
}PHP Example
<?php
$endpoint = 'https://openapi.toolkk.com/v1/bankcard3c-verify';
$payload = "{\n \"name\": \"张三\",\n \"idcard\": \"110105199003078887\",\n \"bankcard\": \"6228480402564890018\"\n}";
$ch = curl_init($endpoint);
curl_setopt_array($ch, [
CURLOPT_RETURNTRANSFER => true,
CURLOPT_CUSTOMREQUEST => 'GET',
CURLOPT_HTTPHEADER => [
'Content-Type: application/json',
'X-API-Key: YOUR_API_KEY',
],
CURLOPT_POSTFIELDS => $payload,
]);
$response = curl_exec($ch);
if ($response === false) {
throw new RuntimeException(curl_error($ch));
}
curl_close($ch);
echo $response;Response Example
{
"code": "SUCCESS",
"message": "success",
"data": {
"result": "一致",
"desc": "姓名/身份证/银行卡一致"
}
}Examples illustrate the response structure. Actual results depend on the API response.
- Authentication
- Send X-API-Key in request headers
- Rate limit
- 600 req/min
- Timeout
- 5000 ms
Send your API Key in the X-API-Key header from your backend.
Check both HTTP status and business fields before treating a call as successful.
Use retries and backoff together with rate limits in high-frequency scenarios.
Request Fields
Send requests from your server with the key in the X-API-Key header.
Request Fields
The fields below are derived from example JSON for integration reference only.
| Path | Type | Required | Description | Sample |
|---|---|---|---|---|
| name | string | Unspecified | Unspecified | 张三 |
| idcard | string | Unspecified | Unspecified | 110105199003078887 |
| bankcard | string | Unspecified | Unspecified | 6228480402564890018 |
Request Example
{
"name": "张三",
"idcard": "110105199003078887",
"bankcard": "6228480402564890018"
}- Authentication
- Send X-API-Key in request headers
- Rate limit
- 600 req/min
- Timeout
- 5000 ms
Response Fields
Examples illustrate the response structure. Actual results depend on the API response.
Response Fields
The fields below are derived from example JSON for integration reference only.
| Path | Type | Required | Description | Sample |
|---|---|---|---|---|
| code | string | Unspecified | Unspecified | SUCCESS |
| message | string | Unspecified | Unspecified | success |
| data | object | Unspecified | Unspecified | {...} |
| data.result | string | Unspecified | Unspecified | 一致 |
| data.desc | string | Unspecified | Unspecified | 姓名/身份证/银行卡一致 |
Response Example
{
"code": "SUCCESS",
"message": "success",
"data": {
"result": "一致",
"desc": "姓名/身份证/银行卡一致"
}
}$.code == 200 API overview
Capabilities, use cases, limitations, and frequently asked questions.
Feature Overview
This API provides real-time verification for three key bank card elements: bank card number, cardholder name, and ID number. By integrating this API, you can quickly verify whether the bank card information submitted by users matches the real-name data in bank systems and government databases. This effectively prevents identity theft and fraud, ensuring business compliance and security.
Use Cases
- Financial Account Opening: Verify the authenticity and legality of user identity information during bank card binding, account creation, and loan applications.
- Payment Risk Control: Identify potential bank card theft risks during the payment process to safeguard funds and reduce transaction fraud rates.
- Real-Name Authentication: Ensure the accuracy of user information for services requiring real-name verification, such as member registration, cash withdrawals, and reward point redemptions.
- Anti-Fraud & Risk Management: Effectively detect and block fraudulent activities using fake identities or stolen information, comprehensively enhancing business risk control capabilities and protecting enterprise and user assets.