13. The user authentication system according to claim 9 , wherein the preset order is selected from one of: the voice segment part being located before the answer to the dynamic question part; the voice segment part being located after the answer to the dynamic question part; and the voice segment part intersecting with the answer to the dynamic question part.
13. The user authentication system according to claim 9 , wherein the preset order is selected from one of: the voice segment part being located before the answer to the dynamic question part; the voice segment part being located after the answer to the dynamic question part; and the voice segment part intersecting with the answer to the dynamic question part. 14. The user authentication system according to claim 13 , wherein the voice segment part intersecting with the answer to the dynamic question part comprises: the answer being located within the voice segment part; or the voice segment part being located within the answer.