The present invention discloses a
payment method based on a short message
verification code. The method comprises: after receiving a
payment request sent by a
client, generating a corresponding shortmessage
verification code according to the
payment request; after encrypting the short message
verification code and signing the short message verification code, sending a short message verification code
ciphertext and a verification code signature to the
client, so that the
client can verify the verification code signature; and after the verification is passed, decrypting the short message verification code
ciphertext, and obtaining the short message verification code, so that the user can complete the payment operation after inputting the short message verification code. According to the technical scheme of the present invention, the certificateless public key
password is used in the whole process to sign the short message verification code, the
encryption verification of the short message verification code during transmission is realized, and the security of the short message verification code is ensured; and at the same time, by using the certificateless public key
password, the problems of
certificate management and
key management are not involved, so that the process for
processing the short message verification code is simplified, and the costs are saved. Correspondingly, the present invention also discloses a payment apparatus and device based on the short message verification code, and a readable storage medium, which also have the technical effects.