The embodiment of the invention discloses an identity authentication method and a user terminal.The method comprises the steps that after detecting an identity authentication request sent by a user, the user terminal can output at least two identity authentication areas used for inputting identity authentication information in response to the identity authentication request, wherein different pieces of identity authentication information need to be input into different identity authentication areas; aiming at each identity authentication area in the at least two identity authentication areas, whether identity authentication information input into each identity authentication area by the user is matched with preset identity authentication information is detected, and the preset identity authentication information is binding identity authentication information in binding relation with the corresponding identity authentication area; if it is detected that the identity authentication information input into each identity authentication area by the user is matched with the preset identity authentication information, identity authentication succeeds.In this way, unlocking security of the user terminal can be improved, so that the security of data information stored in the user terminal is improved.