Identity authentication method and device

Abstract

The embodiment of the invention provides an identity authentication method and device. The method comprises the steps that a user account corresponding to an incoming call number and a service operation requested by an incoming caller are acquired when the incoming call of a user is received; according to the service operation and the user account, an authentication mode combination used for verifying whether the incoming caller has an operational right for the requested service operation is determined; the authentication mode combination is sent to the client; and when an authentication result returned by the client is received, the incoming caller's operational right for the requested service operation is determines according to the authentication result. According to the method provided by the invention, in combination with the service operation requested by the incoming call user, an appropriate authentication method is selected; the identity of the incoming caller can be quickly verified through the interaction with the client used by the incoming call user; the whole identity authentication process is safe and fast; and long-term occupation of customer service resources can be effectively avoided.

Description

technical field [0001] The present disclosure relates to the field of computer technology, in particular to an identity verification method and device. Background technique [0002] At present, when people encounter problems before, during, and after a transaction, they will contact customer service for consultation. During the consultation process, users may request some sensitive business operations related to their accounts. At this time, customer service Personnel usually briefly authenticates the caller. [0003] For example, when a bank user dials the bank's customer service number, the bank customer service will prompt to enter the bank user's phone banking password at the bank; Further verification of identity, such as asking for information such as home address or phone number filled in when creating an account, or some recent transaction information, etc., to ensure that the user is the owner of the account. [0004] However, because the entire verification proce...

AI Technical Summary

Problems solved by technology

[0004] However, because the entire verification process is very cumbersome, and users may forget some of their own information, the identity verification process takes a long time, resulting in long waiting times for users and reduced user satisfaction.

[0005] Moreover, in the traditional identity verification process, it is entirely up to the customer service personnel to decide how to verify and verify the content. Different quality customer service personnel have different grasps of security, and there may even be cases where there is no need for verification, which may lead to user failure. There are uncertainties in account security, which in turn leads to security risks

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