Payment method and device

The invention relates to the field of financial technology, and discloses a payment method and device, and the method comprises the steps: obtaining an order payment request of a user, obtaining order factors at least comprising N dimensions and an order payment amount in the order payment request, and enabling the N to be greater than or equal to 2; determining at least one discount rule matched with the order elements of the N dimensions in a discount rule database; determining an actual payment amount of the user according to at least one discount rule and the order payment amount; and sending the actual payment amount to a payment system corresponding to the order payment request to complete the payment of the order. In the whole payment process, a user only needs to trigger a payment request and then can be matched with various preferential activities of a merchant, finally, the purpose of preferential payment is achieved, adding, updating and deleting of preferential rules can be achieved in a preferent