"real name authentication+identity authentication" guarantees the exclusive right and control right of electronic signature, which is a necessary condition for a reliable electronic signature. Real-name authentication needs a huge citizen or enterprise information database as support information and must be verified by official data.

authentication is used to ensure that the electronic contract signature is controlled by the signer, and different electronic contract systems support different authentication methods.

according to the different parties who sign the contract, real-name authentication usually includes two categories: personal real-name authentication and enterprise real-name authentication, and the authentication methods and authentication institutions of these two categories will be different.

1. Personal real-name authentication

The National Citizen Identity Card Number Enquiry Service Center (NCIC) provides Internet companies with the API interface channel of Internet real-name registration system, through which enterprises can access the NCIC database for real-name authentication.

NCIIC mainly provides the consistency verification of "ID+name": according to the input ID number and name, access the NCIIC database through the interface channel for query, and return the information whether the ID number and name are consistent; On this basis, you can also provide photos of ID cards with water lines for enterprises to conduct manual secondary verification.

2. Bank card real-name authentication means that the enterprise real-name authentication system interfaces with UnionPay system and calls the bank card information for real-name judgment. Bank card real-name authentication is divided into the following three ways according to the different authentication levels.

① Two-element authentication of bank card: according to the input bank card number and name, query the data of UnionPay online, and see if the returns are consistent;

② Three-element authentication of bank card: according to the input bank card number, account holder's ID number and name, check the data of UnionPay online, and see if the returns are consistent;

③ bank card four-element authentication: according to the input bank card number, account holder's ID number, name and reserved mobile phone number for bank account opening, check the data of UnionPay online, and check whether the returns are consistent.

3. eID real-name authentication

eID is a network identification issued to citizens by the Citizen Network Identification System of the Ministry of Public Security, which can remotely identify identity without revealing identity information. EID is different from the second-generation ID card used for offline identification, and is used for online identification.

4. Face-brushing authentication

Face-brushing authentication is verified by face recognition technology, which is a biometric identification technology for identity authentication based on people's appearance information. The biggest feature of the technology is that it can avoid personal information disclosure and identify it in a non-contact way. Generally, the third-party electronic contract platform is common in such ways as face-brushing authentication of a certain bank and face-brushing authentication of sesame credit.

5. Enterprise real-name authentication

The materials to be submitted for enterprise real-name authentication include: business license; Organization code certificate; ID card of the agent; Power of attorney of the enterprise stamped with the official seal of the enterprise.

Generally, the real-name authentication of enterprises adopts manual verification, and the enterprise identity is determined by consulting the State Administration for Industry and Commerce for enterprise information.