CN115270086A

CN115270086A - Account authentication method, device and equipment

Info

Publication number: CN115270086A
Application number: CN202210872883.XA
Authority: CN
Inventors: 李旸; 孙传亮
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2021-03-25
Filing date: 2021-03-25
Publication date: 2022-11-01
Also published as: CN112948785A; CN112948785B

Abstract

An embodiment of the specification provides an account authentication method, an account authentication device and account authentication equipment, wherein the method comprises the following steps: under the condition that a correlation authentication request of a target user for a first account is received, acquiring identity authentication information input by the target user, and determining a target account authenticated by the target user corresponding to the identity authentication information; determining associated verification information for performing knowledge verification on the first account based on a preset identity knowledge verification model and the account information of the target account; providing the associated verification information to the target user, and acquiring feedback information provided by the target user and aiming at the associated verification information; determining an authentication result for the first account based on feedback information of the target user for the associated verification information.

Description

Account authentication method, device and equipment

The application is a divisional application of Chinese patent application with the application number of 202110319170.6 and the name of 'account authentication method, device and equipment', which is filed in 2021, 03, 25.25.month.

Technical Field

The embodiment of the invention relates to the technical field of data processing, in particular to an account authentication method, device and equipment.

Background

With the rapid development of computer technology, for example, terminal devices such as mobile phones and tablet computers become necessities of life and work of people, an application program installed in the terminal device can provide more and more services for a user, in order to meet diversified use requirements of the user, the user can create a plurality of accounts for the same application program, and when the user logs in one of the created accounts, the application program can provide authentication modes such as effective certificate (specifically, identity card, bank card and the like) authentication, biological characteristic authentication (specifically, fingerprint authentication, face swiping authentication and the like) and the like for the user to perform account authentication.

However, since authentication methods such as valid certificate authentication and biometric authentication require a user to provide valid certificates or input biometrics, when there are many accounts created by the user, the user needs to provide valid certificates or input biometrics for each account, and the account authentication process is complicated, which results in low account verification efficiency, a solution for improving account authentication efficiency is required.

Disclosure of Invention

An object of the embodiments of the present disclosure is to provide an account authentication method, device and apparatus, so as to provide a solution capable of improving account authentication efficiency.

In order to implement the above technical solution, the embodiments of the present specification are implemented as follows:

in a first aspect, an account authentication method includes: under the condition that a correlation authentication request of a target user for a first account is received, acquiring identity authentication information input by the target user, and determining a target account authenticated by the target user corresponding to the identity authentication information; determining associated verification information for performing knowledge verification on the first account based on a preset identity knowledge verification model and the account information of the target account; providing the associated verification information to the target user, and acquiring feedback information provided by the target user and aiming at the associated verification information; determining an authentication result for the first account based on feedback information of the target user for the associated verification information.

In a second aspect, an embodiment of the present specification provides an account authentication apparatus, including: the system comprises a first acquisition module, a first authentication module and a second acquisition module, wherein the first acquisition module is used for acquiring identity verification information input by a target user and determining a target account which corresponds to the identity verification information and is authenticated by the target user under the condition that a correlation authentication request of the target user for a first account is received; the information determining module is used for determining associated verification information for performing knowledge verification on the first account based on a preset identity knowledge verification model and the account information of the target account; the second acquisition module is used for providing the association verification information for the target user and acquiring feedback information provided by the target user and aiming at the association verification information; a result determination module, configured to determine an authentication result for the first account based on feedback information of the target user for the associated verification information.

In a third aspect, an embodiment of the present specification provides an account authentication device, including: a processor; and a memory arranged to store computer executable instructions that, when executed, cause the processor to: under the condition that an associated authentication request of a target user for a first account is received, acquiring identity verification information input by the target user, and determining a target account which corresponds to the identity verification information and is authenticated by the target user; determining associated verification information for performing knowledge verification on the first account based on a preset identity knowledge verification model and the account information of the target account; providing the associated verification information to the target user, and acquiring feedback information provided by the target user and aiming at the associated verification information; determining an authentication result for the first account based on feedback information of the target user for the associated verification information.

In a fourth aspect, embodiments of the present specification provide a storage medium for storing computer-executable instructions, which when executed implement the following processes: under the condition that an associated authentication request of a target user for a first account is received, acquiring identity verification information input by the target user, and determining a target account which corresponds to the identity verification information and is authenticated by the target user; determining associated verification information for performing knowledge verification on the first account based on a preset identity knowledge verification model and the account information of the target account; providing the associated verification information to the target user, and acquiring feedback information provided by the target user and aiming at the associated verification information; determining an authentication result for the first account based on feedback information of the target user for the associated verification information.

Drawings

In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort.

FIG. 1A is a flow chart of one embodiment of a method for account authentication according to the present disclosure;

FIG. 1B is a process diagram of an embodiment of an account authentication method according to the present disclosure;

FIG. 2 is a schematic diagram of an associated authentication message according to the present disclosure;

FIG. 3A is a flow chart of another embodiment of a method for account authentication according to the present disclosure;

FIG. 3B is a process diagram illustrating another embodiment of a method for authenticating an account of the present disclosure;

FIG. 3C is a process diagram of another embodiment of an account authentication method according to the present disclosure;

FIG. 4 is a schematic structural diagram of an account authentication device according to an embodiment of the present disclosure;

fig. 5 is a schematic structural diagram of an account authentication device according to the present specification.

Detailed Description

The embodiment of the specification provides an account authentication method, device and equipment.

In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all of the embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present specification without any creative effort shall fall within the protection scope of the present specification.

Example one

As shown in fig. 1A and fig. 1B, an execution subject of the method may be a terminal device or a server, where the terminal device may be a device such as a personal computer, or may also be a mobile terminal device such as a mobile phone and a tablet computer, and the server may be an independent server, or may be a server cluster composed of multiple servers. The method may specifically comprise the steps of:

in S102, when an association authentication request of a target user for a first account is received, identity verification information input by the target user is acquired, and a target account authenticated by the target user corresponding to the identity verification information is determined.

The first account may be any account that can be created by the target user in a preset mechanism or a preset application and used for executing a specified function, for example, the first account may be an account that can be created by the user in an instant messaging application and used for performing instant messaging, or the first account may also be an account that can be created by the user in a resource management mechanism and used for performing functions such as resource storage, resource circulation, and the like, the association authentication request may be a request for performing account authentication on an account to be authenticated (i.e., the first account) based on an authenticated account of the target user, the authentication information input by the target user may include one or more information of an account name and/or a password of the first account, a mobile phone number of the target user, a mailbox address, and the like, and the authenticated target account may be an account that is authenticated by the target user through an authentication method such as an effective certificate authentication method, a biometric authentication method, and the like, and the authenticated account that passes the authentication.

In implementation, with the rapid development of computer technology, terminal devices such as mobile phones and tablet computers become necessities of life and work of people, an application program installed in the terminal device can provide more and more services for a user, the user can create multiple accounts for the same application program in order to meet diversified use requirements of the user, and when the user logs in one of the created accounts, the application program can provide authentication modes such as effective certificate (specifically, identity card, driver's license, bank card and the like) authentication, biological feature authentication (specifically, fingerprint authentication, face-swiping authentication and the like) authentication for the user to perform account authentication.

However, since authentication methods such as valid certificate authentication and biometric authentication require a user to provide valid certificates or input biometrics, when there are many accounts created by the user, the user needs to provide valid certificates or input biometrics for each account, and the account authentication process is complicated, which results in low account verification efficiency, a solution for improving account authentication efficiency is required. Therefore, the embodiments of the present disclosure provide a technical solution that can solve the above problems, and the following contents may be specifically referred to.

Taking the first account as one of the accounts created by the target user in the resource management application as an example, assume that the target user creates 3 accounts in the resource management application, namely account 1, account 2, and account 3. The target user can register an account 1 through a mobile phone number and a mailbox address, register an account 2 through the mobile phone number and register an account 3 through the mailbox address.

In the case of receiving an association authentication request of a target user for a first account, an account corresponding to authentication information may be acquired according to the authentication information input by the target user, and one or more authenticated accounts may be determined as the target account from among the acquired accounts.

For example, assuming that account 1 is the first account, in a case where an associated authentication request for account 1 by the target user is received, a mobile phone number and/or a mailbox address (i.e., authentication information) input by the target user may be acquired, and an account associated with the mobile phone number (i.e., account 2) and/or an account associated with the mailbox address (i.e., account 3) from among accounts created by the target user may be acquired, respectively, and the authenticated account is determined to be the target account from the acquired accounts.

Or, in the case of receiving the association authentication request of the target user for the first account, according to the authentication information input by the target user, obtaining the user identifier of the target user corresponding to the authentication information (for example, the user identifier may be an identification number, a mobile phone number, biometric data, and the like of the target user), obtaining the account of the target user corresponding to the user identifier in the resource management application program, and determining the authenticated account from the obtained account of the target user as the target account.

For example, in a case where an associated authentication request of the target user for the account 3 (i.e., the first account) is received, a mailbox address (i.e., authentication information) input by the target user may be acquired, and according to the mailbox address, a user identifier of the target user corresponding to the mailbox address may be acquired, accounts of the target user corresponding to the user identifier in the resource management application (i.e., account 1 and account 2) may be acquired in a user identifier of the target user (e.g., biometric data of the target user), and an authenticated account of the account 1 and the account 2 may be determined as the target account.

The determination method of the target account is an optional and realizable determination method, and in an actual application scenario, there may be a plurality of different determination methods, which may be different according to different actual application scenarios, and this is not specifically limited in the embodiment of the present specification.

In S104, based on the preset identity knowledge verification model and the account information of the target account, determining associated verification information for performing knowledge verification on the first account.

The Knowledge verification (KBA) may be a mode of authenticating the account to be authenticated based on feedback information of the target user on the associated verification information, the account information of the target account may include account information such as user attribute information, resource flow information, and operation information of the target account, and the associated verification information may be information that can be used to perform Knowledge verification on the first account.

In implementation, taking the associated verification information as an associated verification questionnaire including a preset number of verification questions as an example, the preset number of verification questions may be generated based on the account information of the target account and a preset identity knowledge verification model, and the associated verification information for performing knowledge verification on the first account may be determined by the generated verification questions.

For example, several accounts having a social relationship with the target account may be obtained based on the social relationship network of the target account, and a choice question including an account having a social relationship with the target account and having no social relationship with the target account may be generated, for example, the association verification information generated based on the social relationship network of the target account may be "one account possibly recognized among the following accounts: A. account a, B, account B, C, account C, D, account D ".

Alternatively, the information containing the user preference of the target account and the information not containing the user preference of the target account may also be generated based on the user preference information of the target account, for example, the association verification information generated based on the user preference information of the target account may be "select one of your familiar goods: A. grey coat, B, blue shorts, C, red coat, D, leather shoes'.

The generation method of the associated verification information is an optional and realizable method, and in an actual application scenario, there may be a plurality of different generation methods, which may be different according to different actual application scenarios, and this is not specifically limited in the embodiment of the present specification.

In S106, the association verification information is provided to the target user, and feedback information provided by the target user for the association verification information is acquired.

In an implementation, for example, as shown in fig. 2, taking the example that the associated authentication information is an authentication problem generated based on the account information of the target account, a display may be made such as "one possible recognizable account is selected from the following accounts: A. and a plurality of associated verification information of the accounts a, B, B, C, C, D and D' and receiving feedback information of the target user on each associated verification information.

In addition, the form of the associated verification information may be various, such as a selection question, a judgment question, a blank filling question, and the like, and the form of the associated verification information provided to the target user and the number of the associated verification information may be different according to different actual application scenarios, which is not specifically limited in this embodiment of the present specification.

In S108, an authentication result for the first account is determined based on feedback information of the target user for the associated verification information.

In an implementation, the target verifiable information corresponding to the association verification information may be determined based on account information of the target account, for example, assuming that the association verification information is determined based on a social relationship network of the target account: "select one of the possible recognizable accounts among: A. account a, B, account B, C, account C, D, and account D ″, then, the corresponding target verifiable information (for example, account D) may be determined according to the social relationship network of the target account.

The authentication result for the first account may be determined based on the feedback information input by the target user and the target verifiable information, for example, assuming that the target user is directed to the first account, the feedback information of the associated verification information determined by the social relationship network based on the target account is: B. account b, and the target verifiable information determined from the social network of the target account is: D. the account d may determine that the authentication result for the first account is authentication failure because the feedback information and the target verifiable information are different.

Or, when the target verifiable information is multiple and the feedback information of the target user for the target verifiable information is one or more, the authentication result for the first account may be determined according to a ratio of the same number of the feedback information as the target verifiable information to a different number of the feedback information, for example, the same number of the feedback information as the target verifiable information is 1, the different number of the feedback information as the target verifiable information is 2, and the ratio of the same number to the different number is 1/2=50%, and assuming that the preset ratio threshold is 40%, the authentication result for the first account may be determined to be authenticated.

Furthermore, in the case that there are a plurality of associated authentication information, it is also possible to determine the authentication score of each associated authentication information with respect to the feedback information and the target verifiable information of each associated authentication information, and determine the authentication score for the first account according to the preset weight of each associated authentication information and the authentication score of each associated authentication information. If the verification score is greater than the preset score threshold, the authentication result for the first account may be determined to be authenticated, whereas if the verification score is not greater than the preset score threshold, the authentication result for the first account may be determined to be not authenticated.

The method for determining the authentication result is an optional and realizable method, and in an actual application scenario, there may be a plurality of different generation methods, which may be different according to different actual application scenarios, and this is not specifically limited in the embodiment of the present specification.

The embodiment of the specification provides an account authentication method, which includes acquiring identity authentication information input by a target user under the condition that a correlation authentication request of the target user for a first account is received, determining a target account authenticated by the target user corresponding to the identity authentication information, determining correlation authentication information used for performing knowledge authentication on the first account based on a preset identity knowledge authentication model and account information of the target account, providing the correlation authentication information for the target user, acquiring feedback information provided by the target user for the correlation authentication information, and determining an authentication result for the first account based on the feedback information of the target user for the correlation authentication information. Therefore, knowledge verification can be performed on the first account through the associated verification information generated based on the account information of the target account, the problem that the authentication process is complicated when a target user performs account authentication through modes such as providing effective certificates or biological characteristics is solved, and account authentication efficiency and accuracy can be improved.

Example two

As shown in fig. 3A, 3B, and 3C, an execution subject of the method may be a terminal device or a server, where the terminal device may be a device such as a personal computer, or may also be a mobile terminal device such as a mobile phone and a tablet computer, and the server may be an independent server or a server cluster composed of multiple servers. The method may specifically comprise the steps of:

in S302, when an association authentication request for a first account by a target user is received, identity verification information input by the target user is acquired.

For the specific processing procedure of S302, reference may be made to relevant contents of S102 in the first embodiment, which is not described herein again.

In S304, a second account, corresponding to the authentication information, for which the target user is authenticated is acquired.

The second account may be an authenticated account that is created by the target user and has an association relationship with the first account, for example, the first account may be an account that is created by the target user based on a mobile phone number in the resource management application program, and the second account may be an authenticated account that is created by the target user based on the mobile phone number (or other user information (e.g., a mailbox address and the like) associated with the mobile phone number) in the resource management application program, that is, the first account and the second account may be accounts having an association relationship with the target user in the same application program, or the second account may be an authenticated account that is created by the target user based on the mobile phone number in the instant messaging application program, that is, the first account and the second account may be accounts having an association relationship, which are created by the target user based on the same user information in different application programs.

In S306, it is determined whether the second account has a risk of masquerading and/or a risk of resource circulation based on the preset risk identification model and the account information of the second account.

The impersonation risk can be used for indicating whether the second account is at risk of being stolen, and the resource circulation risk can be used for indicating whether the second account is at risk of malicious resource circulation.

In an implementation, the preset risk identification model may be various, for example, whether the second account has an impersonation risk and/or a resource circulation risk may be determined according to the preset authentication check index and the authentication data of the second account.

For example, the authentication check index may include indexes such as whether to authenticate valid documents (including documents such as identity cards, driver licenses, bank cards and the like), whether to authenticate biological characteristics, whether to authenticate non-inductive authentication, and the like, and whether to determine whether the second account has a risk of fraudulent use and/or a risk of resource circulation according to the authentication condition of the second account. If the authentication data of the second account does not include the verification data corresponding to the authentication verification index, it may be determined that the second account is an account with a risk of fraudulent use and/or a risk of resource circulation.

The determination method for determining whether the second account is an account with risk of impersonation and/or risk of resource circulation is an optional and realizable determination method, besides, the processing manner of S304 may be various, and an optional implementation manner is provided as follows, which may be specifically referred to as the following steps one to four:

step one, obtaining identity verification information of a second account, and determining a first sub-risk value of the second account based on the identity verification information.

The identity verification information comprises preset certificate verification information and biological characteristic data verification information.

In an implementation, the first risk value of the second account may be determined according to the identity verification information of the second account, for example, if the authentication verification index may include indexes such as whether to perform authentication on valid documents (including documents such as an identity card, a driver's license, a bank card, and the like), whether to perform biometric authentication, whether to perform non-sensory authentication, and the like, the first risk value of the second account may be determined according to whether index data corresponding to the above three authentication verification indexes is included in the identity verification information of the second account.

For example, if the identity verification information of the second account includes index data corresponding to the three authentication check indexes, it may be determined that the first sub-risk value of the second account is a risk value 1, if the identity verification information of the second account includes index data corresponding to any two authentication check indexes, it may be determined that the first sub-risk value of the second account is a risk value 2, if the identity verification information of the second account includes index data corresponding to any one authentication check index, it may be determined that the first sub-risk value of the second account is a risk value 3, and if the identity verification information of the second account does not include index data corresponding to the three authentication check indexes, it may be determined that the first sub-risk value of the second account is a risk value 4, where the risk value 4, the risk value 3, the risk value 2, and the risk value 1 are sequentially decreased, that is, that the risk value 4 is greater than the remaining three risk values, and the risk value 1 is less than the remaining three risk values.

The method for determining the first sub-risk value of the second account is an optional and realizable method, and in an actual application scenario, there may be a plurality of different determination methods, which may be different according to different actual application scenarios, and this is not specifically limited in the embodiment of the present specification.

And step two, acquiring index data corresponding to the preset impersonation risk index and/or the preset resource circulation risk index in the second account.

The masquerading risk indicator and the resource circulation risk indicator may be real-time data indicators or offline data indicators, for example, the masquerading risk indicator may be one or more of real-time data indicators of a landing area of the second account, a login device of the second account, and the like, and the resource circulation risk indicator may be one or more of offline data indicators of a historical transaction maximum value, a historical transaction type, and the like of the second account.

And step three, determining a second sub-risk value of the second account based on the preset risk index threshold and the index data.

In implementation, assuming that the preset impersonation risk indicator is a login place of the second account and the resource transfer risk indicator is a historical transaction maximum value of the second account, the preset common land logging and the preset transaction threshold may be obtained to determine the second sub-risk value of the second account.

For example, if the land logging of the second account is shanghai, the common land logging of the target user is beijing, the maximum historical transaction value of the second account is 1 thousand, and the preset transaction threshold is 500, the second sub-risk value of the second account can be determined to be 90 based on the corresponding relationship in table 1 below.

TABLE 1

The method for determining the second sub-risk value of the second account is an optional and realizable method, and in an actual application scenario, there may be a plurality of different determination methods, which may be different according to different actual application scenarios, and this is not specifically limited in the embodiment of the present specification.

And fourthly, determining whether the second account has the risk of masquerading and/or the risk of resource circulation based on the first sub-risk value and the second sub-risk value.

In an implementation, for example, in a case that the sum of the first resource risk value and the second resource risk value is greater than a preset risk threshold, it may be determined that the second account has an impersonation risk and a resource circulation risk, or, in a case that the first resource risk value is greater than the first preset risk threshold and the second resource risk value is not greater than the first preset risk threshold, it may be determined whether the second account has an impersonation risk or not, and in a case that the first resource risk value is not greater than the first preset risk threshold and the second resource risk value is greater than the first preset risk threshold, it may be determined that the second account has a resource circulation risk.

In S308, in a case that the second account does not have the risk of masquerading and the risk of resource circulation, the second account is determined as the target account.

In an implementation, in a case that the second account does not have a fraudulent risk and a resource circulation risk, the second account may further be subjected to account identification to determine whether the second account is a target account, for example, the second account may be determined to be an account score of an account capable of being used for identity verification based on a preset target account identification model and account information of the second account, and the second account with the account score greater than a preset score threshold may be determined to be the target account, where the target account identification model may be a model obtained through model training based on historical account information of the account and a preset machine learning algorithm.

Before determining the account score of the second account, user attribute information, historical resource circulation information, historical operation information and historical account score of the historical account can be obtained, and a target account identification model is obtained through model training based on the user attribute information, the historical resource circulation information, the historical operation information and the historical account score of the historical account and a preset machine learning algorithm.

And determining the second account as the account score of the account capable of being used for identity verification based on the target account identification model, the user attribute information of the second account, the resource circulation information and the operation information.

The user attribute information may include a name and a mobile phone number of a target user, address book information of the target user (including a contact name, a mobile phone number of the contact, a relationship between the target user and the contact, a remark of the target user to the contact, and the like of the target user), the resource circulation information may include an amount, a category, a number of days, and the like of each transaction of the target user, and the operation information may include login information, payment information, and modification operation (such as password modification, user name modification, and the like) information of the target user.

In addition, when the target account recognition model is trained, external historical data of the historical account (such as external historical data provided by a third-party application program, such as travel data, insurance data, social network data and the like) can be acquired, the target account recognition model is trained, and external data of the second account is input into the trained target account recognition model to acquire the account score of the second account.

In S310, first sub-authentication information set by a target user based on a target account, which is stored in advance, is acquired.

In an implementation, the target user may pre-store the first sub-authentication information for the target account, for example, the target user may preset "who is my favorite teacher? "as the first sub-authentication information.

In S312, second sub-verification information is generated and stored based on the identity knowledge verification model and the account information of the target account.

The generation method of the second sub-verification information in S312 may refer to the generation method of the associated verification information in S104 in the first embodiment, and is not described herein again.

In S314, second sub-verification information generated based on the account information of the target account stored in advance is acquired.

In implementation, in the case of receiving an association authentication request of a target user for a first account, second sub-verification information generated based on account information of the target account and stored in advance may be acquired based on an account identifier of the target account.

In S316, the second sub-authentication information is subjected to validity check.

In implementation, a storage duration of the second sub-verification information may be obtained, and if the storage duration is greater than a preset duration threshold, it may be determined that the second sub-verification information fails the validity check, and if the storage duration is not greater than the preset duration threshold, it may be determined that the second sub-verification information passes the validity check.

In addition to the validity check performed on the timeliness of the second sub-verification information, multiple different validity check methods may be provided, for example, multiple validity check methods such as content validity check, storage location validity check, quantity validity check, and the like may be performed on the second sub-verification information, so that the second sub-verification information conforms to timeliness, safety, and compliance through the validity check, the validity check methods may be different according to different actual application scenarios, and this is not specifically limited in this embodiment of the specification.

After S316, it may be determined to continue to perform S318 or S320 according to the result of the validity check, that is, as shown in fig. 3B, in the case where the second sub-authentication information passes the validity check, S318 may be continued, as shown in fig. 3C, and in the case where the second sub-authentication information does not pass the validity check, S320 may be continued.

In S318, in the case where the second sub authentication information passes the validity check, the associated authentication information for knowledge authentication of the first account of the target user is determined based on the first sub authentication information and the second sub authentication information.

In an implementation, in a case where the second sub authentication information passes the validity check, the first self authentication information and the second sub authentication information may be taken as the associated authentication information.

Alternatively, in the case where there are a plurality of first sub-authentication information and a plurality of second sub-authentication information, a corresponding number of authentication information may be selected from the first sub-authentication information and the second sub-authentication information, respectively, as the associated authentication information based on a preset ratio.

In S320, in a case where the second sub-verification information fails the validity check, third sub-verification information is generated based on the knowledge of identity verification model and the account information of the target account, and the third sub-verification information is determined as the second sub-verification information.

In an implementation, after the third sub-authentication information is determined as the second sub-authentication information, S316 may be continuously performed, that is, the second sub-authentication information is subjected to validity check.

For a generation method of the third sub-verification information, reference may be made to the generation method of the S104 associated verification information in the first embodiment, which is not described herein again.

In S322, the association verification information is provided to the target user, and feedback information provided by the target user for the association verification information is acquired.

For the specific processing procedure of S322, reference may be made to the relevant content of S106 in the first embodiment, which is not described herein again.

In S324, a verification request for the first account is sent to the target account, and a verification result returned by the target account is received.

In an implementation, for example, the verification request for the first account may be sent to the target account in the form of a short message, and the verification result returned by the target account may be received.

In S326, an authentication result for the first account is determined based on the verification result and the feedback information of the target user for the associated authentication information.

In practice, the processing manner of S326 may be varied, and an alternative implementation manner is provided below, which may specifically refer to the following steps one to two:

step one, determining a verification score of a first account based on a preset scoring model and feedback information of a target user for associated authentication information.

In implementation, first sub-feedback information corresponding to the first sub-verification information and second sub-feedback information corresponding to the second sub-verification information in the feedback information may be obtained. The method comprises the steps of obtaining pre-stored first verifiable information which is set by a target user based on a target account and corresponds to first sub-verification information, obtaining second verifiable information which corresponds to second sub-verification information, determining a first verification score based on first sub-feedback information and the first verifiable information, and determining a second verification score based on the second sub-feedback information and the second verifiable information.

Finally, a verification score for the first account is determined based on the first verification score and the second verification score.

And step two, determining an authentication result aiming at the first account based on the verification result and the verification score.

In an implementation, for example, in a case where the verification result is verification pass and the verification score is greater than a preset verification score threshold, it may be determined that the authentication result for the first account is verification pass, or in a case where there are a plurality of target accounts, a target verification result may be determined from the verification result of each target account, and the authentication result for the first account may be determined based on the target verification result and the verification score.

For example, in the case that there are 4 target accounts, if the verification result of more than 50% of the target accounts (i.e. more than 2 target accounts) is verification pass, the target verification result may be pass, and in the case that the target verification result is verification pass and the verification score is greater than the preset verification score threshold, it may be determined that the authentication result for the first account is authentication pass.

The method for determining the authentication result of the first account is an optional and realizable method, and in an actual application scenario, there may be a plurality of different determination methods, which may be different according to different actual application scenarios, and this is not specifically limited in the embodiment of the present specification.

In S328, in the case that the authentication result is that the authentication is not passed, the warning information for the first account is sent to the target account.

In implementation, when the authentication result is that the authentication fails, the preset warning information may be acquired and sent to the target account authenticated by the target user.

The embodiment of the specification provides an account authentication method, and the embodiment of the specification provides an account authentication method, wherein under the condition that a correlation authentication request of a target user for a first account is received, identity authentication information input by the target user is obtained, the target account authenticated by the target user corresponding to the identity authentication information is determined, correlation authentication information used for performing knowledge authentication on the first account is determined based on a preset identity knowledge authentication model and account information of the target account, the correlation authentication information is provided for the target user, feedback information provided by the target user for the correlation authentication information is obtained, and an authentication result for the first account is determined based on the feedback information of the target user for the correlation authentication information. Therefore, knowledge verification can be performed on the first account through the associated verification information generated based on the account information of the target account, the problem that the authentication process is complicated when a target user performs account authentication through modes such as providing effective certificates or biological characteristics is solved, and account authentication efficiency and accuracy can be improved.

EXAMPLE III

Based on the same idea, the account authentication method provided in the embodiments of the present specification further provides an account authentication device, as shown in fig. 4.

The account authentication device includes: a first obtaining module 401, an information determining module 402, a second obtaining module 403, and a result determining module 404, wherein:

a first obtaining module 401, configured to obtain, when an association authentication request of a target user for a first account is received, authentication information input by the target user, and determine a target account authenticated by the target user corresponding to the authentication information;

an information determining module 402, configured to determine, based on a preset identity knowledge verification model and the account information of the target account, associated verification information for performing knowledge verification on the first account;

a second obtaining module 403, configured to provide the association verification information to the target user, and obtain feedback information provided by the target user for the association verification information;

a result determination module 404, configured to determine an authentication result for the first account based on feedback information of the target user for the associated verification information.

In this embodiment of the present specification, the first obtaining module 401 is configured to:

acquiring a second account which corresponds to the identity verification information and is authenticated by the target user;

determining whether the second account has a risk of masquerading and/or a risk of resource circulation based on a preset risk identification model and account information of the second account;

and under the condition that the second account has no risk of impersonation and resource circulation, determining the second account as the target account.

In this embodiment of the specification, the first obtaining module 401 is configured to:

acquiring identity verification information of the second account, and determining a first sub-risk value of the second account based on the identity verification information, wherein the identity verification information comprises preset certificate verification information and biological characteristic data verification information;

acquiring index data corresponding to a preset impersonation risk index and/or a preset resource circulation risk index in the second account;

determining a second sub-risk value for the second account based on a preset risk indicator threshold and the indicator data;

determining whether the second account is at risk of masquerading and/or at risk of resource circulation based on the first sub-risk value and the second sub-risk value.

In an embodiment of this specification, the apparatus further includes:

the score determination module is used for determining that the second account is the account score of the account which can be used for identity verification based on a preset target account identification model and the account information of the second account, wherein the target account identification model is a model obtained through model training based on historical account information of the account and a preset machine learning algorithm;

the account determination module is configured to:

and determining the second account with the account score larger than a preset score threshold value as the target account.

In an embodiment of this specification, the apparatus further includes:

the third acquisition module is used for acquiring the user attribute information, the historical resource circulation information, the historical operation information and the historical account score of the historical account;

the model acquisition module is used for obtaining the target account identification model through model training based on the user attribute information, the historical resource circulation information, the historical operation information, the historical account score and the preset machine learning algorithm of the historical account;

a first obtaining module 401, configured to:

and determining that the second account is an account score of an account which can be used for identity verification based on the target account identification model, the user attribute information of the second account, the resource circulation information and the operation information.

In this embodiment of the present specification, the information determining module 402 is configured to:

acquiring pre-stored first sub-verification information set by the target user based on the target account;

acquiring prestored second sub-verification information generated based on the account information of the target account, and carrying out validity check on the second sub-verification information;

determining associated authentication information for knowledge authentication of a first account of the target user based on the first sub-authentication information and the second sub-authentication information in a case where the second sub-authentication information passes an validity check;

and under the condition that the second sub-verification information fails to pass the validity check, generating third sub-verification information based on the identity knowledge verification model and the account information of the target account, and determining the third sub-verification information as the second sub-verification information.

In an embodiment of this specification, the apparatus further includes:

and the generating module is used for generating and storing the second sub-verification information based on the identity knowledge verification model and the account information of the target account.

In an embodiment of this specification, the apparatus further includes:

the request sending module is used for sending a verification request aiming at the first account to the target account and receiving a verification result returned by the target account;

the result determining module 404 is configured to:

and determining an authentication result aiming at the first account based on the verification result and the feedback information of the target user aiming at the associated authentication information.

In this embodiment of the present specification, the result determining module 404 is configured to:

determining a verification score of the first account based on a preset scoring model and feedback information of the target user for the associated authentication information;

determining an authentication result for the first account based on the verification result and the verification score.

acquiring first sub-feedback information corresponding to the first sub-verification information and second sub-feedback information corresponding to the second sub-verification information in the feedback information;

acquiring prestored first verifiable information which is set by the target user based on the target account and corresponds to the first sub-verification information;

acquiring second verifiable information corresponding to the second sub-verification information;

determining a first verification score based on the first sub-feedback information and the first verifiable information, and determining a second verification score based on the second sub-feedback information and the second verifiable information;

determining a verification score for the first account based on the first verification score and the second verification score.

In an embodiment of this specification, the apparatus further includes:

and the warning module is used for sending warning information aiming at the first account to the target account under the condition that the authentication result is that the authentication is not passed.

The embodiment of the specification provides an account authentication device, and the embodiment of the specification provides an account authentication method, wherein under the condition that a correlation authentication request of a target user for a first account is received, identity authentication information input by the target user is obtained, the target account which is authenticated by the target user and corresponds to the identity authentication information is determined, correlation authentication information used for performing knowledge authentication on the first account is determined based on a preset identity knowledge authentication model and account information of the target account, the correlation authentication information is provided for the target user, feedback information provided by the target user for the correlation authentication information is obtained, and an authentication result for the first account is determined based on the feedback information of the target user for the correlation authentication information. Therefore, knowledge verification can be performed on the first account through the associated verification information generated based on the account information of the target account, the problem that the authentication process is complicated when a target user performs account authentication through modes such as providing effective certificates or biological characteristics is solved, and the account authentication efficiency and accuracy can be improved.

Example four

Based on the same idea, the embodiments of the present specification further provide an account authentication device, as shown in fig. 5.

Account authentication devices, which may vary considerably in configuration or performance, may include one or more processors 501 and memory 502, where the memory 502 may have one or more stored applications or data stored therein. Memory 502 may be, among other things, transient or persistent storage. The application program stored in memory 502 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a paired account authentication device. Still further, the processor 501 may be configured to communicate with the memory 502 to execute a series of computer-executable instructions in the memory 502 on the account authentication device. The account authentication apparatus may also include one or more power supplies 503, one or more wired or wireless network interfaces 504, one or more input-output interfaces 505, one or more keyboards 506.

In particular, in this embodiment, the account authentication apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions in the account authentication apparatus, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:

under the condition that an associated authentication request of a target user for a first account is received, acquiring identity verification information input by the target user, and determining a target account which corresponds to the identity verification information and is authenticated by the target user;

determining associated verification information for performing knowledge verification on the first account based on a preset identity knowledge verification model and the account information of the target account;

providing the associated verification information to the target user, and acquiring feedback information provided by the target user and aiming at the associated verification information;

determining an authentication result for the first account based on feedback information of the target user for the associated verification information.

Optionally, the determining the target account authenticated by the target user corresponding to the identity verification information includes:

Optionally, the determining whether the second account has a risk of impersonation and/or a risk of resource circulation based on a preset risk identification model and account information of the second account includes:

Optionally, the method further comprises:

determining that the second account is an account score of an account which can be used for identity verification based on a preset target account identification model and account information of the second account, wherein the target account identification model is a model obtained through model training based on historical account information of the account and a preset machine learning algorithm;

the determining the second account as the target account comprises:

Optionally, before determining, based on the preset target account identification model and the account information of the second account, that the second account is an account score of an account that can be used for identity verification, the method further includes:

acquiring user attribute information, historical resource circulation information, historical operation information and historical account scores of historical accounts;

obtaining the target account identification model through model training based on the user attribute information, the historical resource circulation information, the historical operation information and the historical account score of the historical account and the preset machine learning algorithm;

the determining, based on the preset target account identification model and the account information of the second account, that the second account is an account score of an account that can be used for identity verification includes:

Optionally, the determining, based on a preset identity knowledge verification model and the account information of the target account, associated verification information for performing knowledge verification on the first account includes:

acquiring prestored first sub-verification information set by the target user based on the target account;

Optionally, before the obtaining of the second sub-verification information generated based on the pre-stored account information of the target account, the method further includes:

and generating and storing the second sub-verification information based on the identity knowledge verification model and the account information of the target account.

Optionally, before the determining, based on the feedback information of the target user for the association verification information, an association authentication result for the first account, further includes:

sending a verification request aiming at the first account to the target account, and receiving a verification result returned by the target account;

the determining an authentication result for the first account based on the feedback information of the target user for the associated verification information comprises:

Optionally, the determining an authentication result for the first account based on the verification result and feedback information of the target user for the associated authentication information includes:

Optionally, the determining the verification score of the first account based on a preset scoring model and feedback information of the target user for the associated authentication information includes:

Optionally, the method further comprises:

and sending alarm information aiming at the first account to the target account under the condition that the authentication result is that the authentication is not passed.

The embodiment of the specification provides an account authentication device, which acquires identity authentication information input by a target user under the condition of receiving a correlation authentication request of the target user for a first account, determines a target account which is authenticated by the target user and corresponds to the identity authentication information, determines correlation authentication information for performing knowledge authentication on the first account based on a preset identity knowledge authentication model and account information of the target account, provides the correlation authentication information for the target user, acquires feedback information provided by the target user for the correlation authentication information, and determines an authentication result for the first account based on the feedback information of the target user for the correlation authentication information. Therefore, knowledge verification can be performed on the first account through the associated verification information generated based on the account information of the target account, the problem that the authentication process is complicated when a target user performs account authentication through modes such as providing effective certificates or biological characteristics is solved, and the account authentication efficiency and accuracy can be improved.

EXAMPLE five

An embodiment of the present specification further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the computer program implements each process of the account authentication method embodiment, and can achieve the same technical effect, and in order to avoid repetition, details are not repeated here. The computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk.

The embodiment of the specification provides a computer-readable storage medium, which acquires identity verification information input by a target user when receiving a correlation authentication request of the target user for a first account, determines the target account authenticated by the target user corresponding to the identity verification information, determines correlation verification information for performing knowledge verification on the first account based on a preset identity knowledge verification model and account information of the target account, provides the correlation verification information for the target user, acquires feedback information provided by the target user for the correlation verification information, and determines an authentication result for the first account based on the feedback information of the target user for the correlation verification information. Therefore, knowledge verification can be performed on the first account through the associated verification information generated based on the account information of the target account, the problem that the authentication process is complicated when a target user performs account authentication through modes such as providing effective certificates or biological characteristics is solved, and account authentication efficiency and accuracy can be improved.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain a corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as ABEL (Advanced Boolean Expression Language), AHDL (alternate Hardware Description Language), traffic, CUPL (core universal Programming Language), HDCal, jhddl (Java Hardware Description Language), lava, lola, HDL, PALASM, rhyd (Hardware Description Language), and vhigh-Language (Hardware Description Language), which is currently used in most popular applications. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be conceived to be both a software module implementing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the various elements may be implemented in the same one or more software and/or hardware implementations in implementing one or more embodiments of the present description.

As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, one or more embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

Embodiments of the present description are described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both permanent and non-permanent, removable and non-removable media, may implement the information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising a … …" does not exclude the presence of another identical element in a process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

All the embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, as for the system embodiment, since it is substantially similar to the method embodiment, the description is relatively simple, and reference may be made to the partial description of the method embodiment for relevant points.

The above description is only an example of the present disclosure, and is not intended to limit the present disclosure. Various modifications and alterations to this description will become apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification should be included in the scope of the claims of the present specification.

Claims

1. An account authentication method, comprising:

under the condition that a correlation authentication request of a target user for a first account is received, acquiring identity authentication information input by the target user, and determining a target account which corresponds to the identity authentication information and is authenticated by the target user, wherein the target account has no risk of masquerading and resource circulation;

generating a preset number of verification problems based on a preset identity knowledge verification model and the account information of the target account;

providing the verification problem to the target user, and acquiring feedback information provided by the target user and aiming at the verification problem;

determining an authentication result for the first account based on feedback information of the target user for the verification problem.

2. The method of claim 1, the determining the target account that the target user corresponding to the authentication information is authenticated, comprising:

3. The method of claim 2, wherein the determining whether the second account has a risk of fraud and/or a risk of resource circulation based on a preset risk identification model and account information of the second account comprises:

4. The method of claim 3, further comprising:

the determining the second account as the target account comprises:

5. The method of claim 4, further comprising, before the determining, based on the preset target account identification model and the account information of the second account, that the second account is an account score of an account that can be used for identity verification:

6. The method of claim 4, wherein generating a preset number of verification questions based on a preset identity knowledge verification model and account information of the target account comprises:

determining a verification problem for knowledge verification of the first account of the target user based on the first sub-verification information and the second sub-verification information if the second sub-verification information passes a validity check;

and under the condition that the second sub-verification information fails to pass validity verification, generating third sub-verification information based on the identity knowledge verification model and the account information of the target account, and determining the third sub-verification information as the second sub-verification information.

7. The method of claim 6, further comprising, prior to the obtaining pre-stored second sub-verification information generated based on account information of the target account:

8. The method of claim 7, further comprising, prior to the determining an associated authentication result for the first account based on the feedback information of the target user for the verification problem:

the determining, based on the feedback information of the target user for the verification problem, an authentication result for the first account comprises:

and determining an authentication result aiming at the first account based on the verification result and the feedback information of the target user aiming at the verification problem.

9. The method of claim 8, the determining an authentication result for the first account based on the verification result and feedback information of the target user for the verification question, comprising:

determining a verification score of the first account based on a preset scoring model and feedback information of the target user for the verification problem;

10. The method of claim 9, wherein determining the verification score for the first account based on a preset scoring model and feedback information of the target user regarding the verification question comprises:

11. The method of claim 5, further comprising:

12. An account authentication apparatus comprising:

the first acquisition module is used for acquiring the identity verification information input by a target user and determining a target account which corresponds to the identity verification information and is authenticated by the target user under the condition that a correlation authentication request of the target user for a first account is received, wherein the target account does not have a risk of falsifying and a risk of resource circulation;

the information determining module is used for generating a preset number of verification problems based on a preset identity knowledge verification model and the account information of the target account;

the second acquisition module is used for providing the verification problem for the target user and acquiring feedback information aiming at the verification problem provided by the target user;

a result determination module to determine an authentication result for the first account based on feedback information of the target user for the verification problem.

13. The apparatus of claim 12, the apparatus further comprising:

a third obtaining module, configured to obtain a second account, which corresponds to the authentication information and is authenticated by the target user;

the risk determination module is used for determining whether the second account has a risk of falsifying and/or a risk of resource circulation based on a preset risk identification model and the account information of the second account;

and the account determining module is used for determining the second account as the target account under the condition that the second account has no risk of masquerading and resource circulation.

14. The apparatus of claim 13, the apparatus further comprising:

the result determination module is configured to:

15. An account authentication device, the account authentication device comprising:

a processor; and

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

under the condition that a correlation authentication request of a target user for a first account is received, acquiring identity authentication information input by the target user, and determining a target account which corresponds to the identity authentication information and is authenticated by the target user, wherein the target account has no risk of fraudulent use and resource circulation;

16. A storage medium for storing computer-executable instructions, which when executed implement the following: