Two-dimensional code dual-factor authentication system and method, terminal equipment and server

The invention relates to a two-dimensional code dual-factor authentication system and method, and intelligent terminal equipment and an authentication server which use the method. The method comprises the steps that an authentication request and a username are transmitted to the authentication server through the intelligent terminal equipment; the authentication server operates user information and feeds back two-dimensional code position information available for a user on the current two-dimensional code dual-factor authentication card to the intelligent terminal equipment; the intelligent terminal equipment scans a two-dimensional code at a designated position and transmits the scanned two-dimensional code information to the authentication server; and the authentication server receives the scanned two-dimensional code information to identify the user, and determines whether the payment of the user is effective or not according to an authentication result. By adopting the two-dimensional code as authentication equipment of a dual-factor authentication payment system, the security of mobile payment is improved, the security of large-amount mobile payment is protected and the cost of dual-factor authentication equipment is reduced.