With the ongoing advancements in computer technology and mobile internet, mobile payment has become an integral component of daily life. Identity authentication technology serves as a critical measure to ensure the security of mobile payments. This paper addresses the issue of low security associated with single-factor identity authentication while highlighting the substantial overhead involved in multi-factor authentication methods. We propose a novel identity authentication method that integrates biometric data and geographic information. In this framework, the identity authentication server first performs system initialization, configures system parameters, and stores them securely. Subsequently, the identity authentication client submits an authentication request to the server and completes its registration process. Finally, the server processes this request from the client, conducts user identity verification, and returns an authentication result. This approach effectively mitigates risks posed by attackers attempting to falsify biometric data or geographic information during the identity verification process and offers robust services for biometric- and geography-based identity authentication.