A terminal, comprising: at least one processor; and a memory coupled to the at least one processor and storing programming instructions that, when executed by the at least one processor, cause the terminal to: receive a touch operation on an icon of a first application; collect a biological feature of a user in response to the touch operation; compare the collected biological feature with a biological feature bound to the first application, wherein the first application is bound to at least one biological feature, each biological feature is bound to a user account of the first application, each user account is corresponding to a resource directory; when the comparison result indicates that the collected biological feature matches a first biological feature of the at least one biological feature, determining a first user account bound to the first biological feature; and log in to the first application based on the first user account, and load information stored in a first resource directory corresponding to the first user account; wherein the memory further stores programming instructions that, when executed by the at least one processor, cause the terminal to: when the comparison result indicates that the collected biological feature does not match any biological feature bound to the first application, determine a second user account that meets a preset condition and that is not bound to any biological feature; and log in to the first application based on the second user account, and load information stored in a second resource directory corresponding to the second user account. at least one processor; and a memory coupled to the at least one processor and storing programming instructions that, when executed by the at least one processor, cause the terminal to: receive a touch operation on an icon of a first application; collect a biological feature of a user in response to the touch operation; compare the collected biological feature with a biological feature bound to the first application, wherein the first application is bound to at least one biological feature, each biological feature is bound to a user account of the first application, each user account is corresponding to a resource directory; when the comparison result indicates that the collected biological feature matches a first biological feature of the at least one biological feature, determining a first user account bound to the first biological feature; and log in to the first application based on the first user account, and load information stored in a first resource directory corresponding to the first user account; wherein the memory further stores programming instructions that, when executed by the at least one processor, cause the terminal to: when the comparison result indicates that the collected biological feature does not match any biological feature bound to the first application, determine a second user account that meets a preset condition and that is not bound to any biological feature; and log in to the first application based on the second user account, and load information stored in a second resource directory corresponding to the second user account. receive a touch operation on an icon of a first application; collect a biological feature of a user in response to the touch operation; compare the collected biological feature with a biological feature bound to the first application, wherein the first application is bound to at least one biological feature, each biological feature is bound to a user account of the first application, each user account is corresponding to a resource directory; when the comparison result indicates that the collected biological feature matches a first biological feature of the at least one biological feature, determining a first user account bound to the first biological feature; and log in to the first application based on the first user account, and load information stored in a first resource directory corresponding to the first user account; wherein the memory further stores programming instructions that, when executed by the at least one processor, cause the terminal to: when the comparison result indicates that the collected biological feature does not match any biological feature bound to the first application, determine a second user account that meets a preset condition and that is not bound to any biological feature; and log in to the first application based on the second user account, and load information stored in a second resource directory corresponding to the second user account. when the comparison result indicates that the collected biological feature does not match any biological feature bound to the first application, determine a second user account that meets a preset condition and that is not bound to any biological feature; and log in to the first application based on the second user account, and load information stored in a second resource directory corresponding to the second user account.