This invention relates to the field of
mobile payment technology, specifically to a method for dynamically adjusting the
password-free limit for mobile payments. The method includes the following steps: When a
payment terminal initiates a
payment request, it collects discrete data on the network environment, device unlocking method, SIM card status,
system integrity, and application environment in real time to establish a device security
state vector. This invention, by collecting data from multiple dimensions of the discrete states of the network environment, device unlocking method, SIM card status,
system integrity, and application environment and constructing a security
state vector, can structurally characterize device security before a transaction is initiated, capturing the security fluctuation characteristics during device operation. Using the security product decay value generated by the security
state vector, and combined with the user-set maximum
password-free limit benchmark value, a comprehensive device security
score is output in the form of a non-linear function, achieving quantitative filtering of device
trustworthiness before the limit calculation stage.