The invention discloses payment and identity authentication systems based on biometric feature recognition. The payment system based on the biometric feature recognition comprises a payment system and a smart mobile terminal, wherein the payment system comprises a payment server for storing user bank account information which is bound with biometric feature information of a user; and the smart mobile terminal comprises a payment request module, a biometric feature acquisition module, a biometric feature recognition module, a user bank account calling module and a payment confirmation module. The payment system based on the biometric feature recognition has the effects that when the payment system is used for making a payment, the user can make a rapid payment by inputting a voiceprint, irises, a palm print, a vein, ears, a gait or retinas without carrying any cash, bank card, consumer card or mobile phone no matter where the user is, so that a conventional payment mode is broken, and the restraints of the cash, cards and electronic equipment are broken. A checker can rapidly check user identity information by using the identity authentication system, and the user does not need to take out any identity card, so that high practicability and a good use effect are achieved.