Bank Card 3-Factor Verification

Bank Card 3-Factor Verification: Core Features and Principles

When online payments or account registrations require identity verification, the bank card 3-factor verification confirms the validity of user-provided information by checking if the name, bank card number, and ID number perfectly match. This tool cross-references the input data with bank system records in real-time, outputting one of three verification statuses: "Match" (successful verification), "Mismatch" (conflicting information), or "Invalid Card Number" (format error or abnormal card status).

Why Choose Our Bank Card Verification Tool?

• Accurately verifies 19-digit UnionPay debit card information, strictly following bank system validation rules.
• Automatically capitalizes the final "X" in ID numbers to prevent input format errors.
• Performs real-time verification through official bank APIs, with a response latency of under 800 milliseconds.

How to Use

1. Enter the full Chinese name in the name field (e.g., Zhang San).
2. Enter the 19-digit UnionPay debit card number (e.g., 6228480402564890018).
3. Enter the 18-digit Chinese ID number (the final "X" must be capitalized).
4. Click the verify button to get real-time results.

Frequently Asked Questions (FAQ)

Can 3-factor verification confirm bank card ownership?
No. This verification only confirms information consistency and does not return sensitive data such as cardholder location or account balances.

What if the verification fails but the information is correct?
This commonly occurs with credit cards/non-UnionPay cards, during bank system maintenance (error code 5003), or if the ID card was recently renewed but the information hasn't been updated at the bank (requires re-registration).

Important Notes

This tool only supports the verification of 19-digit UnionPay debit cards from mainland China; credit cards and electronic accounts are not supported. No sensitive information is stored during the verification process, but critical financial operations should always rely on official bank verification. The maximum response time for a single verification is 3 seconds. If consecutive failures occur, please check your network connection or the API status.

Technical Notes & Recommendations

For financial institutions, we recommend using this in conjunction with Liveness Detection, which can reduce the risk of identity spoofing by 99.2%. Typical scenario: During user registration, entering "Zhang San" + "6228480402564890018" + "11010119900101123X" returns "Match", but using a lowercase "x" at the end of the ID number will trigger a format error.