What happened to the real-name authentication of bank cards?

Real-name authentication is the verification of the authenticity of user data, which is helpful to establish a sound and reliable Internet credit foundation. There are generally two ways: bank card authentication and ID card authentication, which can prevent some online fraud. The implementation of card real-name registration system has the following advantages: improving the security of mobile payment and other functions. Enhance the convenience of accessing other mobile Internet applications. It is conducive to cracking down on the crime of communication fraud, preventing the risk of spam and restraining the criminal impulse of criminals.

The advantages of applying for real-name registration are as follows:

1. After real-name registration, you can handle business with your user card, ID card or password, and implement a real-name registration system for mobile phones to curb illegal short messages, fraudulent short messages, pornographic short messages and other spam messages and reduce illegal activities of mobile phone short messages. Being able to identify users is more conducive to protecting your legitimate rights and interests.

2. Product usage scenarios require real-name authentication. In order to help users buy train tickets, insurance, organize user trips and other scenarios, users need real-name authentication. For example, Ping An Insurance requires users to enter real-name information for login authentication when registering. For aircraft flight query products, the airline requires users to carry out real-name authentication to query flight information.

3, user identification, to ensure that valuable exchange items are received by real users. In product design, when the product is a valuable exchange item, such as money, mobile phone, travel opportunities, etc. It is necessary to authenticate the real identity of users to ensure that real users use products or participate in activities, to prevent valuable exchange items of products from being brushed off by machines, and to reduce the rough side to some extent. 3. User screening to ensure that users meet product qualification. For some products, the qualification of users is strictly regulated. For example, in mobike, users are required to be 12 years old in user agreements, and 18 years old in financial investment products.

4. Avoid the potential risks of using the product. When users use some products with age and gender restrictions, they can know whether they meet the conditions of product use through real-name authentication, so as to avoid the use risks and potential unsafe factors in the process of product use. Effectively protect the interests of users, such as insurance, ticket purchase and other security actions are based on the user's real name identity information. When users use this product for real-name authentication, it can ensure that relevant services can be effectively provided to users. You can get more products. Some products will provide more privileges and services for users who are willing to use their real names, such as Alipay's real-name users. Users can improve their credit in Sesame Credit. Ctrip provides more coupons for real users. In addition, users who are willing to certify products are generally core users of products. For this kind of users, the data product manager will also adjust the winning probability and algorithm in the process of welfare distribution such as lottery and red envelopes, so that the real-name users of the products have a reasonable but high winning probability and improve the core users who use the perceived products, which is very beneficial to the maintenance and retention of product users.