TOKEN-BASED PAYMENT METHOD, AND TOKEN-BASED PAYMENT SYSTEM

摘要

The present invention relates to a token-based payment method, and token-based payment system. The method comprises the following steps: a binding step, generating, on the basis of bank card information, a static token, and binding the static token to identification information of a terminal, wherein the bank card information at least comprises a bank card account number; a payment identification image generation step, when payment needs to be performed, generating, according to the terminal identification information and static token, a dynamic token to replace the bank card account number with the dynamic token, and generating, according to the dynamic token, a payment identification image; and a payment transaction step, reading the payment identification image, and replacing the dynamic token contained in the payment identification image with the original bank card account number to complete subsequent transaction operations. The present invention improves security of mobile payment, and prevents fraudulent transactions caused by information leakage.