• PASS
  • FLAG
  • FAIL
  • LOG

How to verify user identity and card risk with your AI

Connect UnionPay Open Platform to your agent once. From then on, your AI handles the security checks for every transaction.

Ask AI about this page

Short answer

How can my AI check KYC and card risk?

Your agent uses UnionPay Open Platform to run identity and risk checks during checkout. It handles the technical queries and gives you the results. You'll see how the AI processes these checks below.

The results.

Where every check lands.

The AI routes the outcome of every security check to the right place.

PASS

Verified transactions

The AI confirms the user passed KYC and the card is low risk. These orders move straight to your fulfillment queue.

FLAG

Manual review needed

If the card risk status is suspicious, the AI flags the transaction. You'll need to step in and look at the details yourself.

FAIL

Blocked attempts

The AI identifies failed KYC or high-risk cards. It stops these transactions before they can impact your business.

LOG

Security audit trail

Every check is recorded. You get a clear history of why the AI approved or denied a specific user.

The workflow

What your AI does when a transaction arrives.

The AI acts as a gatekeeper by querying UnionPay data in real time.

  1. Identity check

    The agent starts by running a KYC check on the user's provided details.

    verify_card_kyc

  2. Risk assessment

    Once identity is confirmed, the AI checks the specific risk status of the card.

    check_card_risk_status

  3. Decision making

    The AI compares the KYC and risk results against your security requirements.

    verify_card_kyccheck_card_risk_status

  4. Status reporting

    The agent summarizes the findings so you know exactly why a card was accepted or rejected.

    check_card_risk_status

Try it

Copy these to start.

Use these prompts to trigger security checks immediately.

Starting points

These are just ideas. Swap out the specific card numbers or user IDs with your actual data.

UnionPay Open Platform Connector

You're all set. Choose your MCP client and follow the setup instructions.

Connector linkhttps://edge.vinkius.com/vk_preview_ggx22RNM5pnNgKtLpJ5fHn1WV52rcnpTQgNUxGF7/mcp

Claude Desktop

Follow the steps below to connect in seconds.

  1. 1In Claude Desktop, open Settings → Connectors.
  2. 2Click “Add custom connector” and paste the connector link above as the remote MCP server URL.
  3. 3Click Add and start a new chat — UnionPay Open Platform capabilities are ready to use.
Configuration · claude_desktop_config.jsonCopy
{
  "mcpServers": {
    "unionpay-open-platform-mcp": {
      "url": "https://edge.vinkius.com/vk_preview_ggx22RNM5pnNgKtLpJ5fHn1WV52rcnpTQgNUxGF7/mcp"
    }
  }
}
Copy into chat04

  • Run a KYC check for the user with ID 8829 using UnionPay.

  • Check the risk status for card ending in 4455.

  • Verify if this user's identity matches their card risk profile.

  • Summarize the recent KYC results from my UnionPay logs.

  • Claude
  • ChatGPT
  • Cursor
  • VS Code
  • Windsurf
  • Claude Code
  • JetBrains
  • Cline

Start here

Connect UnionPay Open Platform once, then ask.

Just link your account once. Your credentials stay encrypted, and you can start running checks through any compatible client immediately.

Connect UnionPay Open Platform to your AI

FAQ

How the security checks behave

  • 01

    Can the AI automatically refund a card?

    No. The AI only checks KYC and risk status. It cannot process refunds or move money.

  • 02

    Does the AI decide which transactions to block?

    The AI provides the risk status and KYC results. You decide the final policy for what gets blocked.

  • 03

    Can I use this to update user profile information?

    No. The tools are strictly for verifying identity and checking card risk.

  • 04

    Will the AI store my customers' full credit card numbers?

    No. The AI only interacts with the data required to run the specific verification tools.

  • 05

    How do I know if a check failed?

    The AI will report the specific status returned by the UnionPay tools, such as a failed KYC check.

  • More questions about UnionPay Open Platform? The Connector page answers them. See everything the UnionPay Open Platform Connector can do

Connect UnionPay Open Platform to Claude, Cursor, ChatGPT & more