The invention discloses an Internet enterprise multi-mode identity
verification method and
system, and belongs to the technical field of Internet enterprise security, and the method comprises the steps: obtaining user historical behavior data, current transaction request data, equipment environment parameters and initial biological
signal data, carrying out the
risk assessment, and generating a
verification path; obtaining a personalized
verification sequence instruction, collecting a user face dynamic video
stream, a real-time voice
stream and response action
time sequence data, carrying out cross-
modal association comparison with a user reference biological feature template, outputting a biological feature confidence matrix, carrying out association analysis in combination with the obtained structured identity
feature vector and
risk assessment, and obtaining a personalized verification result; and generating a verification decision
feature vector to judge a verification result state, and obtaining a pass instruction, a rejection instruction or a manual auditing request instruction. According to the method, dynamic risk-driven multi-
modal verification
path generation, cross-
modal biological feature association decision and
incremental learning mechanisms are adopted, so that the optimal balance between security and user experience can be realized in a
complex network environment.