| CPC H04L 63/08 (2013.01) | 15 Claims |

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1. An operating method of a cloud server, comprising:
receiving, from an electronic device, account information on which authentication is to be performed and a request for the authentication;
obtaining authentication information for user authentication from user data corresponding to the account information;
obtaining correct answer data and incorrect answer data based on the authentication information;
generating first problem information comprising first question information and first option information for the user authentication based on the correct answer data and the incorrect answer data, and transmitting the first problem information to the electronic device;
receiving, from the electronic device, a user input in response to the first option information;
responsive to the user input corresponding to an incorrect answer, determining whether the number of times the user input is an incorrect answer reaches a threshold number of times;
responsive to the number of times the user input is an incorrect answer being less than the threshold number of times, generating second problem information with a difficulty level adjusted from that of the first problem information based on the authentication information and transmitting the generated second problem information to the electronic device;
receiving, from the electronic device, a user input in response to second option information comprised in the second problem information; and
determining whether the authentication is successful based on whether the user input corresponds to the correct answer, and
wherein the second problem information is generated by increasing or decreasing a ratio of the number of correct answers to the number of options in the first problem information.
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