Solution overview
The Financial-grade Real Person Authentication Solution combines technologies such as liveness detection, biometric recognition, and ID document OCR with identity factor verification APIs from authoritative sources to verify a user's identity. You can also choose whether to retain face photos to suit your business needs.
The Financial-grade Real Person Authentication Solution provides five integration methods. You can select the method that best suits your needs to authenticate users.
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