1. The user swipes the credit card on the POS machine for consumer payment;

2. The user binds the credit card to mobile phone WeChat, Alipay, etc. , scan the QR code with your mobile phone, and use the merchant Alipay or WeChat account for payment settlement;

3. The user provides information such as credit card number, account name and mobile phone number, and the third-party payment sends the mobile phone dynamic password to the user's mobile phone number, and the user can complete the payment by inputting the correct mobile phone dynamic password;

4. The user binds the credit card and bank card to the mobile phone, turns on the mobile phone flash payment function when consuming, and induces payment on terminals such as POS machines.