The invention discloses a payment method and a payment system. The payment method comprises the steps that a bank payment settlement system obtains a payment settlement request, wherein the payment settlement request comprises a first security verification code, a time label and a payment terminal identity; the bank payment settlement system sends a payment verification request to a security verification platform, wherein the payment verification request comprises the first security verification code, the time label and the payment terminal identity; the security verification platform returnspayment verification success information or payment verification unsuccess information to the bank payment settlement system according to the first security verification code, the time label and the payment terminal identity; and the bank payment settlement system carries out payment settlement operation according to the payment verification success information or the bank payment settlement system refuses to carry out the payment settlement operation according to the payment verification unsuccess information. According to the method and the system, the dynamic password payment security verification is realized, the mobile phone payment security is improved, and economic loss of a user is avoided to a certain degree.