Method and system for realizing electronic payment

Method and system comprising capturing (S4), at a hand imaging device (1, 1 ',...), image data of a hand (91) of a current person (9), comparing (S5), at a federation server (11), a current feature vector determined from the captured image data with a pre-stored feature vector of a registered person, comparing (S5), at a user device (92) of the current person (9), a pre-stored feature vector of the registered person (9) with a pre-stored feature vector of the registered person (9), processing (S8) the second factor information to enable execution of the electronic payment; in some embodiments, an electronic payment is initiated by a payment service server (21) and forwarded to a bank (5, 5 ',...) via a bank gateway (4) to comply with a payment protocol of the bank (5, 5',...). 方法和系统，该方法和系统包括：在手部成像设备(1、1'、...)处，捕获(S4)当前个人(9)的手部(91)的图像数据，在联合服务器(11)处，将由捕获的图像数据确定的当前特征向量与注册个人的预先存储的特征向量进行比较(S5)，在当前个人(9)的用户设备(92)处，处理(S8)第二因素信息以实现电子支付的执行；在一些实施例中，电子支付由支付服务服务器(21)发起，并经由银行网关(4)转发到银行(5、5'、...)以遵守银行(5、5'、...)的支付协议。