With the rapid penetration and expansion of digital technology into different areas of the economy and society, people's consumption concepts and Consumer behaviour are also quietly changing, and the diversification of consumption demand and consumption scenarios are realized. In the context of digital consumption innovation, users are constantly putting forward new and higher requirements for payment experience, which forces enterprises to continuously enrich and replace mobile payment functions. As a result, mobile payment has emerged. Recently, the activation of WeChat's mobile payment function has attracted widespread attention and discussion. It is reported that users can achieve palm payment on devices that support facial payment. They only need to first bind their personal WeChat account, enter the palm pattern, align their palm with the scanning area of the payment device during consumption, and confirm to complete the payment. At present, the mobile payment market is mature enough, and scanning payment has high convenience. Why are there still new payment methods emerging? What are the current types of biometric payments? Is there a market prospect for the emerging mobile payment system in the future? How can we protect the privacy and security of users with the constantly enriched biometric payment methods? Since 2010, with the rapid development of mobile internet, biometric payment has maintained a high-speed growth trend and has been widely integrated into people's daily lives, evolving into a new payment system. At present, mobile payment has become an important path to continuously unleash the inclusive effect of financial technology. According to data released by the People's Bank of China, the current penetration rate of mobile payments in China has reached 86%. In real life, mobile payment can already better meet the needs of users, why are there still emerging payment methods constantly emerging? The reasons for this are mainly reflected in two aspects. From the perspective of enterprise competition, mobile payment not only has a huge market size, but more importantly, it contains enormous commercial value as a commercial entry point. According to a report released by the China Payment and Clearing Association, the number of online payment users in China reached 904 million in 2021. Therefore, enterprises in the fields of financial technology, digital technology, and other fields have launched a layout in the mobile payment end, continuously strengthening technology research and innovation, in order to enhance their market competitiveness and industry influence. From the perspective of user experience, customer experience is the driving force behind innovation in mobile payment methods. With the rapid penetration and expansion of digital technology into different areas of the economy and society, people's consumption concepts and Consumer behaviour are also quietly changing, and the diversification of consumption demand and consumption scenarios are realized. In the context of digital consumption innovation, users are constantly demanding higher payment experiences, which forces enterprises to continuously enrich and replace mobile payment functions. As the trend of personal biometric data continues to evolve, the integration of Biometrics and mobile payment continues to deepen. Biometric payment, including palm swiping payment, has gradually become a new form of payment following digital passwords and two-dimensional codes. From the existing payment methods, in addition to palm payment, biometric payment mainly includes five methods. One is fingerprint payment, which involves recognizing and reading the skin patterns of the fingertips for payment. The second is facial payment, which involves recognizing and reading facial features for payment. The third is voiceprint payment, which reads the sound through recognition