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QR code payment plays an indispensable role in the mobile payment market, and the security of scanning codes has always been a problem in the field of information security. Static QR codes are easily copied and replaced, and there are huge security loopholes. The QR code payment in a closed system still faces security challenges. In order to solve the security problem of QR code payment, we have studied dynamic QR code payment system that supports SM2, SM3, and SM4 cryptographic algorithms, which can realize QR code scanning and scanned transactions, UnionPay cloud QuickPass transactions, etc., and generate dynamic QR code information in real time during the transaction process, one order and one code. Through dynamic algorithm distribution, the randomness and uniqueness of QR code generation are guaranteed, and it is suitable for multi-scene application transactions. The algorithm correctness test result shows that the system has achieved the expected effect. The performance test results show that the hardware of the security module implements the algorithm flow and improves the payment performance. Compared with some other algorithms, the processing time is shorter, the running speed is faster, and the system is more secure.

Implementation of Cryptographic Algorithm in Dynamic QR Code Payment System and Its Performance