GETPublicbankcard4c-verify

Bank Card 4-Element Verification

Verify the authenticity and consistency of bank card information using four elements: name, ID number, bank card number, and registered phone number, effectively preventing fraud risks.

Documentation

Bank Card 4-Element Verification API

Overview

This API provides online verification for the four essential elements of a bank card: name, ID number, bank card number, and registered phone number. Using this API, you can quickly and accurately verify whether the bank card information provided by a user is authentic and matches their corresponding identity details. This helps identify fake identities and invalid bank cards, significantly improving business security and compliance.

Use Cases

Financial Lending: Verify the authenticity of bank card information when users apply for loans to prevent fraud using fake or stolen cards.
Payment & Settlement: Perform identity and card matching verification before users bind a bank card for payments or withdrawals, ensuring funds flow to the correct account.
User Registration & KYC: Validate the accuracy of user identity and bank card details during registration or real-name authentication processes to meet regulatory requirements.
Risk Management: Help enterprises build robust risk control systems to effectively identify and block potential fraudulent activities, protecting the assets of both the business and its users.
Insurance Services: Verify the bank card information of beneficiaries or policyholders during underwriting or claims processing to ensure fund security.

Integration Examples

Includes ready-to-use Shell, Python, Go, Java, and PHP examples for direct integration.

Request Example

{
  "name": "张三",
  "idcard": "110105199003078887",
  "mobile": "13800138000",
  "bankcard": "6228480402564890018"
}

Response Example

{
  "code": "SUCCESS",
  "message": "success",
  "data": {
    "result": "一致",
    "desc": "姓名/身份证/手机号/银行卡一致"
  }
}

Request Fields

The fields below are derived from example JSON for integration reference only.

Path	Type	Sample
name	string	张三
idcard	string	110105199003078887
mobile	string	13800138000
bankcard	string	6228480402564890018

Response Fields

The fields below are derived from example JSON for integration reference only.

Path	Type	Sample
code	string	SUCCESS
message	string	success
data	object	{...}
data.result	string	一致
data.desc	string	姓名/身份证/手机号/银行卡一致

curl --request GET \ --url 'https://openapi.toolkk.com/v1/bankcard4c-verify' \ --header 'Content-Type: application/json' \ --header 'X-API-Key: YOUR_API_KEY' \ --data '{\n "name": "张三",\n "idcard": "110105199003078887",\n "mobile": "13800138000",\n "bankcard": "6228480402564890018"\n}'

import os import requests url = "https://openapi.toolkk.com/v1/bankcard4c-verify" payload = { "name": "张三", "idcard": "110105199003078887", "mobile": "13800138000", "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())

package main import ( "bytes" "fmt" "io" "net/http" ) func main() { endpoint := "https://openapi.toolkk.com/v1/bankcard4c-verify" payload := []byte("{\n \"name\": \"张三\",\n \"idcard\": \"110105199003078887\",\n \"mobile\": \"13800138000\",\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)) }

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 \"mobile\": \"13800138000\",\n \"bankcard\": \"6228480402564890018\"\n}"; HttpRequest request = HttpRequest.newBuilder() .uri(URI.create("https://openapi.toolkk.com/v1/bankcard4c-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 $endpoint = 'https://openapi.toolkk.com/v1/bankcard4c-verify'; $payload = "{\n \"name\": \"张三\",\n \"idcard\": \"110105199003078887\",\n \"mobile\": \"13800138000\",\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;

Bank Card 4-Element Verification

Documentation