Server-side (API) integration
The Financial-grade Real-Person Verification solution leverages technologies such as liveness detection and biometric recognition, in combination with identity verification APIs from authoritative institutions, to verify that a user is real and valid. This topic describes how to integrate the Financial-grade Real-Person Verification service by using server-side (API) integration.
Limitations
The Financial-grade Real-Person Verification solution currently verifies only residents who hold one of the following ID documents:
Chinese mainland residents: Second-generation Resident ID Card.
Hong Kong and Macao SAR residents: Residence Permit for Hong Kong and Macao Residents.
Taiwan residents: Residence Permit for Taiwan Residents.
Exception handling
Changes to the authoritative data source may cause authentication to fail for some users because their identity information cannot be retrieved. Include a manual review option in your business flow as a fallback mechanism.
Supported permanent residence and travel permits
To authenticate the following certificates, use the solution in Alipay H5 page integration or Alipay Mini Program integration. No other solutions are supported.
Foreign Permanent Resident ID Card
Mainland Travel Permits for Hong Kong and Macao Residents
Mainland Travel Permit for Taiwan Residents
Unsupported certificates
Exit-Entry Permit for Travelling to and from Taiwan
Exit-Entry Permit for Travelling to and from Hong Kong and Macao
Foreigner's Exit-Entry Permit
Billing
You are charged based on the number of successful calls. For more information, see Billing overview.
Integration method
The server-side (API) integration method is as follows.
Product code | Integration method | User verification flow | Required inputs | Main outputs | Actions |
ID_MIN (photo-based real-person verification) | server-side integration | None | Name, ID card number, and user's facial photo | Real-person verification result | |
ID_MIN_VIDEO (video-based real-person verification) | server-side integration | None | Name, ID card number, and user's facial video | Real-person verification result and facial image |
Because this integration method does not control how face photos are acquired, we recommend using it only in trusted image capture environments.
Verification flow
Collected facial information undergoes cloud-based liveness detection and is compared with faces in an authoritative database to verify whether the user is a real and valid user.
The verification flow for the server-side (API) integration of Financial-grade Real-Person Verification is shown in the following figure. For the specific integration flow, see Integration Flow.
