A processing method for identity authentication with a mobile terminal based on iris recognition, comprising: collecting in advance, by the mobile terminal, iris characteristic data of a user, encapsulating the iris characteristic data to a designated function as stored iris identification data, and providing an interface to applications in an upper layer to invoke the function containing the stored iris identification data; configuring the collected iris characteristic data to correlate with an unlock command of a screen of the mobile terminal, so as to establish the stored iris identification data as a unique identifier of the user for unlocking the screen of the mobile terminal; and when unlocking the screen of the mobile terminal, scanning, by a camera equipped in the mobile terminal, the iris characteristic data of a current user, comparing the iris characteristic data of the current user against the stored iris identification data, and when the iris characteristic data of the current user matches with the stored iris identification data, unlocking the screen of the mobile terminal; characterized in that the method further comprises: binding the stored iris identification data of the user to a login account of an application installed on the mobile terminal, for account verification to log on the application; when the application that is bound to the login account of the application is activated, scanning, by the camera configured on the mobile terminal, the iris characteristic data of the current user, and comparing the iris characteristic data of the current user against the stored iris identification data; when the iris characteristic data of the current user matches with the stored iris identification data, notifying the current user that his/her identity is authenticated and controlling the mobile terminal to automatically log into a main interface of the application; and when the iris characteristic data of the current user does not match with the stored iris identification data, notifying the current user that his/her identity is not authenticated. collecting in advance, by the mobile terminal, iris characteristic data of a user, encapsulating the iris characteristic data to a designated function as stored iris identification data, and providing an interface to applications in an upper layer to invoke the function containing the stored iris identification data; configuring the collected iris characteristic data to correlate with an unlock command of a screen of the mobile terminal, so as to establish the stored iris identification data as a unique identifier of the user for unlocking the screen of the mobile terminal; and when unlocking the screen of the mobile terminal, scanning, by a camera equipped in the mobile terminal, the iris characteristic data of a current user, comparing the iris characteristic data of the current user against the stored iris identification data, and when the iris characteristic data of the current user matches with the stored iris identification data, unlocking the screen of the mobile terminal; characterized in that the method further comprises: binding the stored iris identification data of the user to a login account of an application installed on the mobile terminal, for account verification to log on the application; when the application that is bound to the login account of the application is activated, scanning, by the camera configured on the mobile terminal, the iris characteristic data of the current user, and comparing the iris characteristic data of the current user against the stored iris identification data; when the iris characteristic data of the current user matches with the stored iris identification data, notifying the current user that his/her identity is authenticated and controlling the mobile terminal to automatically log into a main interface of the application; and when the iris characteristic data of the current user does not match with the stored iris identification data, notifying the current user that his/her identity is not authenticated. binding the stored iris identification data of the user to a login account of an application installed on the mobile terminal, for account verification to log on the application; when the application that is bound to the login account of the application is activated, scanning, by the camera configured on the mobile terminal, the iris characteristic data of the current user, and comparing the iris characteristic data of the current user against the stored iris identification data; when the iris characteristic data of the current user matches with the stored iris identification data, notifying the current user that his/her identity is authenticated and controlling the mobile terminal to automatically log into a main interface of the application; and when the iris characteristic data of the current user does not match with the stored iris identification data, notifying the current user that his/her identity is not authenticated.