Identity authentication method and device, storage medium and electronic equipment

By collecting audio and video streams and business metadata, risk levels are generated, and passive and active detection modalities are dynamically scheduled. This solves the identity authentication problem of deepfake videos in remote financial services, and improves information security and user experience.

CN121864483APending Publication Date: 2026-04-14INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
Filing Date
2026-03-02
Publication Date
2026-04-14

AI Technical Summary

Technical Problem

Existing technologies cannot effectively distinguish the authenticity of deepfake videos in remote financial services, resulting in poor information security during transaction sessions.

Method used

The system collects audio and video streams and business metadata from the client during the authentication session, generates risk levels based on environmental information, dynamically schedules passive analysis modalities and active defense modalities, and generates target confidence scores for identity authentication through multimodal detection.

Benefits of technology

It enables dynamic scheduling of detection resources based on specific risk levels, improving the ability to identify deepfakes and the credibility of identity authentication, thereby enhancing the information security and user experience of transaction sessions.

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Abstract

The invention discloses an identity authentication method and device, a storage medium and electronic equipment, and relates to the technical field of information security. The method comprises the following steps: acquiring audio and video streams and service metadata of a client during an authentication session; generating a risk level of the current authentication session and a detection mode configuration instruction corresponding to the risk level based on the service metadata and the environment information of the client when the audio and video stream is generated; in response to the detection mode configuration instruction, executing a detection mode scheduled by the detection mode configuration instruction; and determining a target confidence score according to the passive detection evidence and / or the active defense evidence, and performing identity authentication on the object of the current authentication session according to the target confidence score. The technical problem that in the prior art, the authenticity of the user identity in the deeply-forged video cannot be effectively distinguished and authenticated, so that the information security in the transaction session process is poor is solved.
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