The invention discloses a safe code scanning
payment method. A customer selects and purchases needed commodities after entering a store; if the customer selects an online store, a
payment intelligent code is displayed on a
third party payment gateway; if the customer selects a physical store, the customer transmits purchase information to an intelligent pos of the merchant, a payment request is transmitted to a
third party payment platform through the intelligent pos, and then the payment intelligent code is sent back to the intelligent pos; after the customer has chosen the commodities, the payment intelligent code displayed on the
payment gateway or the intelligent pos is scanned, merchant information, commodity information and commodity prices are decrypted, and a
payment procedure is to be conducted after
correctness of the merchant information, the commodity information and the commodity prices is confirmed; the customer selects whether to adopt a
password carrier or to directly transmit the payment intelligent code to complete payment; the
third party payment platform completes money deduction and account entry procedures according to information of the payment intelligent code, meanwhile, transaction success information is fed back to the merchant, and
verification information is given to the customer; a transaction is completed. According to the safe code scanning payment method, customers can select and purchase commodities by themselves and place orders to generate payment intelligent codes; information is encrypted in the whole process, and the payment process is safe and reliable; payment is convenient, simple and direct; both merchants and customers can complete transactions quickly.