QR code payment plays an indispensable role in the mobile payment market, and the security of scanning codes has always been a problem in the field of information security. Static QR codes are easily copied and replaced, and there are huge security loopholes. The QR code payment in a closed system still faces security challenges. In order to solve the security problem of QR code payment, we have studied dynamic QR code payment system that supports SM2, SM3, and SM4 cryptographic algorithms, which can realize QR code scanning and scanned transactions, UnionPay cloud QuickPass transactions, etc., and generate dynamic QR code information in real time during the transaction process, one order and one code. Through dynamic algorithm distribution, the randomness and uniqueness of QR code generation are guaranteed, and it is suitable for multi-scene application transactions. The algorithm correctness test result shows that the system has achieved the expected effect. The performance test results show that the hardware of the security module implements the algorithm flow and improves the payment performance. Compared with some other algorithms, the processing time is shorter, the running speed is faster, and the system is more secure.

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Face recognition payment is a new type of payment method, with AI face recognition technology as the core, and its speed and convenience are more in line with the users’ payment habits. However, the face is a biological feature with weak privacy, and the protection of user information security is particularly important. At present, face payment technology still has security risks, and the data transmitted during the transaction process are vulnerable to attacks. Aiming at the security problems in the payment process, a payment system that is jointly encrypted by the SM4 algorithm and the face liveness detection algorithm was proposed in this paper, which supports a variety of communication methods. The hardware platform adopts an octa-core 64-bit ARM processor with a main frequency of 1.8 GHz, which has powerful computing and processing capabilities. Based on the Android intelligent operating system, the development environment is more secure and convenient. It is also equipped with a liveness detection 3D structured light camera, which dynamically collects face information and accurately analyzes the characteristics of living bodies. Through the data encryption and decryption test and face performance index detection, the expected effect of the system was achieved, which greatly improved the performance of the face payment system currently studied. The SM4 encryption algorithm improved the running rate of encrypted data and the security of face transaction data transmission, the face detection algorithm improved the accuracy of living body feature recognition, and the payment system effectively improved the accuracy and security of face payment.