Install the UnionPay face-brushing payment application on the intelligent POS terminal certified by UnionPay. When the merchant collects money, he inputs the amount in the application, turns on the camera of the device and starts face detection. Consumers only need to face the camera, input the special password for face-brush payment (different from the bank card password, it is a 6-digit password set when users register for face-brush payment), apply the default bank card number for face recognition and face association, and the issuing bank verifies the special password for face-brush payment and deducts money.