The invention relates to a consumer socialization zero-cash payment method and system, comprising the following steps: mounting a client-end, disposing a server, sending the payment request, transmitting the payment request, backing the payment result, transmitting the payment response. The system comprises a consumer device, a merchant device, a relay device contacting with the consumer device and the merchant device, a payment device contacting with the relay device, wherein the payment device is the bank inside payment platform. The method is capable of performing the socialization large-scale zero-cash consumption payment deal and covering all payment environments and very suitable for wide low-cost social consumption payment group; effectively screening the hacker risk, reducing the consumer use-cost, not disclosing the account information of the consumer for performing the consumption and payment, reducing the payment dealing risk, not changing the feature of the bank inside payment platform with short development period.