1. A method for information identification by a user terminal having at least a processor and a camera, comprising: obtaining a card image by photographing of a collection area that is pre-set, when a request event for an information identification is detected, including: obtaining a card type of a card to be identified designated by the user according to the request event of the information identification; displaying, on a display screen of the user terminal, a photographing interface having the collection area pre-set with a designated shape and a designated edge-size based on the card type, the collection area being a sub-area from a detection area of the camera; and when a request event for photographing is detected, obtaining the card image of the collection area by photographing with the camera; determining edge-size information of the card image obtained by photographing, marking a target area of the card image according to the edge-size information; and extracting an image of the target area; and determining character shapes to be identified in the image of the target area based on a pre-set character pattern library, and identifying a character corresponding to each character shape to be identified according to each character shape to be identified that is determined and according to the character pattern library.