The invention discloses an iris-
verification-based verifying method for the authenticating of a 
bank card owner. The method includes extracting the iris information of the 
bank card owner, and storing into a 
bank system database; when the bank card owner pays by a bank card, allowing a 
payment terminal to extract the iris information of the bank card owner and send to a bank 
system center; allowing the bank 
system center to match and verify the iris information of the bank card owner with iris information of the bank card owner in the bank system 
database; after matching and 
verification are completed, allowing the bank system center to send verifying result information to the 
payment terminal; when the verifying result information shows the matching and 
verification are succeed, allowing the 
payment terminal to support the bank card to pay. According to the technical scheme, the method has the advantages that the iris serves as verifying information of bank card payment, the bank card is not easy to compromise, and 
password forgetting is eliminated.