Patent ID: 8055558

Claim:
A payment authentication method, comprising: receiving a short message payment request that is sent by a communication terminal and forwarded by a first short message interaction subsystem, the short message payment request comprising a payee's account identifier and a payment amount; creating a payment record corresponding to the payment request; generating and sending verification information to a second short message interaction subsystem that is different from the first short message interaction subsystem, the verification information comprising the payee's account identifier and the payment amount and being forwarded by the second short message interaction subsystem to the communication terminal to be used for confirming whether the payee's account identifier and the payment amount in the verification information are correct, wherein the second short message interaction subsystem is selected from a plurality of second short message interaction subsystems that are each configured to forward verification information to the communication terminal; receiving confirmation information generated by the communication terminal and forwarded by the second short message interaction subsystem, the confirmation information indicating that the payee's account identifier and the payment amount in the verification information are correct; and performing a corresponding payment operation according to the payment record upon receiving confirmation information.