An identity verification method performed at a terminal includes: displaying and/or playing in an audio form action guide information selected from a preset action guide information library, and collecting a corresponding set of action images within a preset time window; performing matching detection on the collected set of action images and the action guide information, to obtain a living body detection result indicating whether a living body exists in the collected set of action images; according to the living body detection result that indicates that a living body exists in the collected set of action images: collecting user identity information and performing verification according to the collected user identity information, to obtain a user identity information verification result; and determining the identity verification result according to the user identity information verification result.