The invention discloses a payment method and a payment system. The payment method includes that a banking system queries out a cell phone number corresponding to a credit card number according to the credit card number provided by a mobile terminal, and sends a first verification request to an operator platform corresponding to the cell phone number, wherein the first verification request includes the cell phone number; the operator platform queries out an SIM (subscriber identity module) card corresponding to the cell phone number, and sends a second verification request to the SIM card for the SIM card to provide fingerprint information to the operator platform; the operator platform compares whether the fingerprint information provided by the SIM card is consistent with fingerprint information stored in advance, if yes, verification success information is sent to a bank system, and if no, verification failure information is sent to the bank system. The payment method and the payment system guarantee fund security of mobile terminal users.