The invention discloses a check method and a check
system for
password-free
payment transaction, which are applied to
intelligent equipment of a user, are associated with a
bank card. The method comprises the following steps of: scanning a collection code shown by a merchant or a
payment mode in any form, and generating a
payment list which comprises a commodity name, a commodity price and a storeaddress; judging whether the user executes a payment instruction or not; if yes, turning on a camera on the user
intelligent equipment and prompting the user to capture the to-be-paid commodity by using the camera; extracting a shot image acquired by the camera, and judging whether the shot image comprises all commodities in the payment
list or not; if yes, skipping the
camera interface to a payment interface, and completing
password-free payment; if not, extracting the names of the commodities which are not obtained and are contained in the payment
list, and outputting the names of the commodities to the user until all the commodities are obtained; and when the user uses the
bank card to perform
password-free payment, the
intelligent equipment sending check information to the user, and the user judging whether to execute a payment instruction according to the check information.