System and method of authenticating user account login request messages

A computer server comprising:

• one or more processors;
• memory;
• and
• one or more program modules stored in the memory and to be executed by the one or more processors, the program modules further including instructions for:
• receiving a login request message sent by a remote terminal to access a user account, where the login request message includes a first field for carrying a username, a second field for carrying a password and a third field for carrying a login key;
• in accordance with a determination that there is a first login key found in the third field of the login request message:
• generating a second login key by applying a preset key generation algorithm to the username;
• and
• executing a user account login process using the username and the password after confirming that the second login key corresponds to the first login key found in the third field of the login request message;
• in accordance with a determination that there is no login key found in the third field of the login request message:
• generating a verification code and returning the verification code to the remote terminal, wherein the remote terminal is configured to prompt a user of the remote terminal to return the verification code to the computer server in a predefined format;
• executing the user account login process using the username and the password after confirming that the returned verification code corresponds to the server-generated verification code;
• generating a third login key by applying the preset key generation algorithm to the username;
• and
• returning the third login key to the remote terminal, wherein the remote terminal is configured to store a correspondence relationship between the username and the third login key.

A non-transitory computer readable storage medium, storing one or more program modules for execution by one or more processors of a computer server, the one or more program modules including instructions for:

• receiving a login request message sent by a remote terminal to access a user account, where the login request message includes a first field for carrying a username, a second field for carrying a password and a third field for carrying a login key;
• in accordance with a determination that there is a first login key found in the third field of the login request message:
• generating a second login key by applying a preset key generation algorithm to the username;
• and
• executing a user account login process using the username and the password after confirming that the second login key corresponds to the first login key found in the third field of the login request message;
• in accordance with a determination that there is no login key found in the third field of the login request message:
• generating a verification code and returning the verification code to the remote terminal, wherein the remote terminal is configured to prompt a user of the remote terminal to return the verification code to the computer server in a predefined format;
• executing the user account login process using the username and the password after confirming that the returned verification code corresponds to the server-generated verification code;
• generating a third login key by applying the preset key generation algorithm to the username;
• and
• returning the third login key to the remote terminal, wherein the remote terminal is configured to store a correspondence relationship between the username and the third login key.