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This thesis is on fingerprint recognition method and system, more in detail, the layered fingerprint recognition method and system to compare not only the minutiae or singular point, but also compare the images of detailed area for making prompt and accurate comparison of fingerprint. Through the experiment that applies this theory, we have confirmed that there is a great improvement of verification rate and erroneous recognition rate of other person’s fingerprint. In the world security market, the size of the biometric industry is gradually increasing, of which the fingerprint verification is recognized of its superiority and marketability in terms of relatively low cost, light weight and uneasiness to input bio-information, compared to other biometric methods. This paper proposes a method to utilize the strengths of the Multi-Stage Fingerprint Recognition Method for Fingerprint Payment Verification System. The example of the utilization of the credit card payment is the model business of fingerprint verification credit card payment applied for three months in large domestic marts, to discuss the possibility to settle the non-medium credit trading by the biometric technology and the applicability to the financial services.