一、什么是银行卡四要素验证?
银行卡四要素验证又叫银行卡四要素核验,银行卡实名核验,银行卡四元素验证,传入银行卡卡号、姓名、身份证号码、手机号,验证此四要素是否一致,支持所有带银联标识的银行卡。
二、银行卡四要素验证适用场景有哪些?
例如:政务及公共服务领域:
1.社保医保缴费:在社保和医保的在线缴费服务中,通过银行卡四要素认证确保缴费人的身份真实性和资金流向的准确性,方便群众便捷缴纳社保医保费用,例如在一些地区的社保缴费平台,用户只需输入银行卡四要素信息,即可快速完成缴费操作,大大提高了政务服务的效率和便利性,每年涉及大量的社保医保缴费业务通过这种方式高效完成。
2.电子政务服务中的资金发放:在各类政务补贴、福利发放等场景中,政府部门通过银行卡四要素认证准确将资金发放到目标人群的银行卡中,避免发放错误和资金流失,比如在一些扶贫补贴发放工作中,严格的银行卡认证流程确保每一笔补贴都能精准发放到贫困群众手中,切实保障民生福祉。
3.公共事业缴费:在水、电、燃气等公共事业缴费领域,用户通过银行卡四要素认证绑定缴费账户,实现快速、安全的缴费操作,方便居民日常生活缴费,同时也提高了公共事业服务单位的收费效率和管理水平,每月有大量家庭通过认证方式按时缴纳各类公共事业费用。
三、如何通过C#实现银行卡四要素接口验证?
下面我们以阿里云接口为例,具体示例代码如下:
cs
//using System.IO;
//using System.Text;
//using System.Net;
//using System.Net.Security;
//using System.Security.Cryptography.X509Certificates;
private const String host = "https://kzbank4v1.market.alicloudapi.com";
private const String path = "/api-mall/api/bankcard4/check";
private const String method = "POST";
private const String appcode = "你自己的AppCode";
static void Main(string[] args)
{
String querys = "";
String bodys = "bankcard=bankcard&idcard=idcard&name=name&mobile=mobile";
String url = host + path;
HttpWebRequest httpRequest = null;
HttpWebResponse httpResponse = null;
if (0 < querys.Length)
{
url = url + "?" + querys;
}
if (host.Contains("https://"))
{
ServicePointManager.ServerCertificateValidationCallback = new RemoteCertificateValidationCallback(CheckValidationResult);
httpRequest = (HttpWebRequest)WebRequest.CreateDefault(new Uri(url));
}
else
{
httpRequest = (HttpWebRequest)WebRequest.Create(url);
}
httpRequest.Method = method;
httpRequest.Headers.Add("Authorization", "APPCODE " + appcode);
//根据API的要求,定义相对应的Content-Type
httpRequest.ContentType = "application/x-www-form-urlencoded; charset=UTF-8";
if (0 < bodys.Length)
{
byte[] data = Encoding.UTF8.GetBytes(bodys);
using (Stream stream = httpRequest.GetRequestStream())
{
stream.Write(data, 0, data.Length);
}
}
try
{
httpResponse = (HttpWebResponse)httpRequest.GetResponse();
}
catch (WebException ex)
{
httpResponse = (HttpWebResponse)ex.Response;
}
Console.WriteLine(httpResponse.StatusCode);
Console.WriteLine(httpResponse.Method);
Console.WriteLine(httpResponse.Headers);
Stream st = httpResponse.GetResponseStream();
StreamReader reader = new StreamReader(st, Encoding.GetEncoding("utf-8"));
Console.WriteLine(reader.ReadToEnd());
Console.WriteLine("\n");
}
public static bool CheckValidationResult(object sender, X509Certificate certificate, X509Chain chain, SslPolicyErrors errors)
{
return true;
}
正确示例代码如下:
cs
{
"msg": "成功",
"success": true,
"code": 200,
"data": {
"msg": "一致",
"result": 0, // 0一致,1不一致,2查无
"orderNo": "202406282009008501069",
"desc": "认证信息匹配"
}
}