Method and device for determining user authentication mode

The invention provides a method and device for determining a user authentication mode, and relates to the technical field of financial data processing, and the method comprises the steps: obtaining historical face recognition data of a bank; according to historical face recognition data of a bank, determining a corresponding relation between a face matching threshold value and a risk index; according to failure data in historical face recognition data of the bank, determining a corresponding relation between the matching gap value and the risk index; when the face data input by the user on the bank terminal is obtained, calculating a matching value of the face data; wherein if the matching value of the face data and the face data, pre-stored in the bank, of the user is smaller than the face matching threshold value of the user, it is determined that the current face authentication fails, and the difference between the face matching threshold value and the matching value serves as the matching difference value