Method and apparatus for security verification based on biometric feature

1. A computer-implemented method for multi-factor biometric-based verification of an identity of a user, the method comprising:

obtaining biometric information from the user, wherein the biometric information comprises at least one of a facial feature, an iris feature, or a fingerprint;

obtaining, from the user, a geographical region associated with the user;

determining, from a plurality of biometric databases, one biometric database corresponding to the geographical region to be a first biometric database, wherein the first biometric database comprises a plurality of biometric information corresponding to a plurality of users associated with the geographical region;

determining that the obtained biometric information does not match any entry in the first biometric database;

in response to determining that the obtained biometric information does not match any entry in the first biometric database, determining that the obtained biometric information matches at least one entry in a second biometric database, wherein the second biometric database comprises a second number of entries greater than a first number of entries of the first biometric database;

in response to determining that the obtained biometric information matches at least one entry in the second biometric database, obtaining non-biometric verification information from the user;

determining that the non-biometric verification information matches at least a portion of preset non-biometric verification information associated with the user, wherein a length of the non-biometric verification information is less than a length of the preset non-biometric verification information; and

in response to determining that the non-biometric verification information matches at least a portion of the preset non-biometric verification information associated with the user, determining that the identity of the user is verified.

2. The computer-implemented method of claim 1 , wherein the preset non-biometric verification information comprises at least one of a phone number of the user, an identification (ID) card information associated with the user, or a name of the user.

3. The computer-implemented method of claim 2 , wherein obtaining the non-biometric verification information comprises:

outputting, through a terminal associated with the user, an instruction configured to prompt the user to provide the non-biometric verification information,

wherein the instruction comprises at least one of:

a starting location of the at least a portion of the preset non-biometric verification information to be provided by the user, the starting location being a location within the preset non-biometric verification information;

a length of the at least a portion of the preset non-biometric verification information to be provided by the user; or

the starting location and the length of the at least a portion of the preset non-biometric verification information to be provided by the user.

4. The computer-implemented method of claim 1 , further comprising:

before obtaining the biometric information from the user, receiving, from the user, a secure payment request for making a payment to a recipient by the user; and

in response to determining that the identity of the user is verified, making the payment to the recipient.

5. The computer-implemented method of claim 4 , wherein the secure payment request further comprises first information associated with the secure payment request.

6. The computer-implemented method of claim 5 , wherein the first information associated with the secure payment request comprises at least one of:

recipient information associated with the recipient; or

geographical region information associated with the geographical region of the user.

7. The computer-implemented method of claim 6 , wherein the first information comprises the recipient information,

wherein the first biometric database comprises a plurality of biometric information corresponding to a plurality of first users, each of the plurality of first users having completed a payment transaction with the recipient and satisfying a first predetermined condition, and

wherein the first predetermined condition comprises at least one of:

whether a payment transaction quantity of a first user is greater than or equal to a first preset quantity; or

whether a payment transaction frequency of the first user is greater than or equal to a first preset frequency.

8. The computer-implemented method of claim 6 , wherein the first information comprises the geographical region information,

wherein the first biometric database comprises a plurality of biometric information corresponding to a plurality of second users, each of the plurality of second users being associated with the geographical region and satisfying a second predetermined condition, and

wherein the second predetermined condition comprises at least one of:

whether a payment transaction quantity of a second user is greater than or equal to a second preset quantity; or

whether a payment transaction frequency of the second user is greater than or equal to a second preset frequency.

9. A non-transitory, computer-readable medium storing one or more instructions executable by a computer system to perform operations comprising:

obtaining biometric information from a user, wherein the biometric information comprises at least one of a facial feature, an iris feature, or a fingerprint;

obtaining, from the user, a geographical region associated with the user;

determining, from a plurality of biometric databases, one biometric database corresponding to the geographical region to be a first biometric database, wherein the first biometric database comprises a plurality of biometric information corresponding to a plurality of users associated with the geographical region;

determining that the obtained biometric information does not match any entry in the first biometric database;

in response to determining that the obtained biometric information does not match any entry in the first biometric database, determining that the obtained biometric information matches at least one entry in a second biometric database, wherein the second biometric database comprises a second number of entries greater than a first number of entries of the first biometric database;

in response to determining that the obtained biometric information matches at least one entry in the second biometric database, obtaining non-biometric verification information from the user;

determining that the non-biometric verification information matches at least a portion of preset non-biometric verification information associated with the user, wherein a length of the non-biometric verification information is less than a length of the preset non-biometric verification information; and

in response to determining that the non-biometric verification information matches at least a portion of the preset non-biometric verification information associated with the user, determining that an identity of the user is verified.

10. The computer-readable medium of claim 9 , wherein the preset non-biometric verification information comprises at least one of a phone number of the user, an identification (ID) card information associated with the user, or a name of the user.

11. The computer-readable medium of claim 10 , wherein obtaining the non-biometric verification information comprises:

outputting, through a terminal associated with the user, an instruction configured to prompt the user to provide the non-biometric verification information,

wherein the instruction comprises at least one of:

a starting location of the at least a portion of the preset non-biometric verification information to be provided by the user, the starting location being a location within the preset non-biometric verification information;

a length of the at least a portion of the preset non-biometric verification information to be provided by the user; or

the starting location and the length of the at least a portion of the preset non-biometric verification information to be provided by the user.

12. The computer-readable medium of claim 9 , wherein the operations further comprise:

before obtaining the biometric information from the user, receiving, from the user, a secure payment request for making a payment to a recipient by the user; and

in response to determining that the identity of the user is verified, making the payment to the recipient.

13. The computer-readable medium of claim 12 , wherein the secure payment request further comprises first information associated with the secure payment request.

14. The computer-readable medium of claim 13 , wherein the first information associated with the secure payment request comprises at least one of:

recipient information associated with the recipient; or

geographical region information associated with the geographical region of the user.

15. The computer-readable medium of claim 14 , wherein the first information comprises the recipient information,

wherein the first biometric database comprises a plurality of biometric information corresponding to a plurality of first users, each of the plurality of first users having completed a payment transaction with the recipient and satisfying a first predetermined condition, and

wherein the first predetermined condition comprises at least one of:

whether a payment transaction quantity of a first user is greater than or equal to a first preset quantity; or

whether a payment transaction frequency of the first user is greater than or equal to a first preset frequency.

16. The computer-readable medium of claim 14 , wherein the first information comprises the geographical region information,

wherein the first biometric database comprises a plurality of biometric information corresponding to a plurality of second users, each of the plurality of second users being associated with the geographical region and satisfying a second predetermined condition, and

wherein the second predetermined condition comprises at least one of:

whether a payment transaction quantity of a second user is greater than or equal to a second preset quantity; or

whether a payment transaction frequency of the second user is greater than or equal to a second preset frequency.

17. A computer-implemented system, comprising:

one or more computers; and

one or more computer memory devices interoperably coupled with the one or more computers and having tangible, non-transitory, machine-readable media storing one or more instructions that, when executed by the one or more computers, perform one or more operations comprising:

obtaining biometric information from a user, wherein the biometric information comprises at least one of a facial feature, an iris feature, or a fingerprint;

obtaining, from the user, a geographical region associated with the user;

determining, from a plurality of biometric databases, one biometric database corresponding to the geographical region to be a first biometric database, wherein the first biometric database comprises a plurality of biometric information corresponding to a plurality of users associated with the geographical region;

determining that the obtained biometric information does not match any entry in the first biometric database;

in response to determining that the obtained biometric information does not match any entry in the first biometric database, determining that the obtained biometric information matches at least one entry in a second biometric database, wherein the second biometric database comprises a second number of entries greater than a first number of entries of the first biometric database;

in response to determining that the obtained biometric information matches at least one entry in the second biometric database, obtaining non-biometric verification information from the user;

determining that the non-biometric verification information matches at least a portion of preset non-biometric verification information associated with the user, wherein a length of the non-biometric verification information is less than a length of the preset non-biometric verification information; and

in response to determining that the non-biometric verification information matches at least a portion of the preset non-biometric verification information associated with the user, determining that an identity of the user is verified.

18. The computer-implemented system of claim 17 , wherein the preset non-biometric verification information comprises at least one of a phone number of the user, an identification (ID) card information associated with the user, or a name of the user.