Bank card number, real name, ID number and mobile phone number reserved by the bank. These four elements are to verify whether the user's information is true, and the bank will also judge the user's personal situation through the correctness of the four elements and the status of the bank card. This can also prevent criminals from defrauding consumers.

What are the reasons for the failure of four-factor authentication?

(1) Bank card information input error. This situation is generally caused by user's hand error, so it is good to check it more.

(2) The status of the bank card is abnormal. Bank card cancelled, frozen, etc. And cannot be checked.

(3) The data source network changes. This situation generally does not exist and belongs to a small probability event. The changes of the network are varied and related to many factors, such as computer rooms, databases, operators and so on.

(4) The data has not been updated to the master database. After the cardholder changed the information, the banking system failed to update the data in time and synchronize with the general banks. This situation needs to be handled by contacting the person in charge of the platform.

(5) The bank card does not exist. This situation may be due to the existence of forged bank cards, and there is no data of this card in the database.