The invention relates to a visible-code-based
payment method and
system with multiple security combination mechanisms, wherein the visible code is a two-dimension code or a bar code or a character code or combination of the two-dimension code, the bar code and the character code. The visible-code-based
payment method and
system with the multiple security combination mechanisms is characterized in that on the basis of an existing transaction
payment system (such as an
Internet channel, a mobile intelligent
client terminal, an ATM, a POS and a counter),
payment card information used for
authentication during transaction payment is generated in a self-
service mode in a card
issuing bank / card issuing mechanism system by a cardholder, the
payment card information at least comprises a
payment card number, personalized welcomes, an acquiring
bank identification code, a commercial tenant name, a commercial tenant code, a card
acceptor terminal identification code, an actual validity period, a one-time / multi-time card, a service code / service constraint, a CVN, a personal identification code, a dynamic
verification code receiving number, the allowed retyping frequency, a transaction money code, limit amount, cardholder identity
authentication information (such as the cardholder identification numbers, fingerprints, a digital
certificate and a seal impression) and the like, the payment card information is used as the basis of the multiple security combination
authorization mechanisms, and the payment card numbers can be applied to the transaction payment method and system through the visible code (such as the two-dimension code, the bar code, the character code and the combination of the two-dimension code, the bar code and the character code).