Alibaba Group Holding Limited
USER IDENTITY VERIFICATION

Abstract:

A computer-implemented identity verification method includes: receiving, by a payment platform, a verification request including a request to verify a user identity associated with a bank card; generating a first code string; storing the first code string in association with a user identifier and with a card identifier of the bank card; sending a deduction request to a card issuer of the bank card, in which the deduction request includes a request to deduct a first amount from an account associated with the bank card, and in which the deduction request includes the first code string; receiving a second code string; verifying that the second code string is consistent with a corresponding part of the first code string; and based on verifying that the second code string is consistent with the corresponding part of the first code string, verifying the user identity associated with the bank card.