Near field payment and payment completion confirming method for NFC (Near Field Communication) functional mobile phone

The invention relates to a near field payment and payment completion confirming method for an NFC (Near Field Communication) functional mobile phone to solve the defect of existing near field payment and the difficulty that payment completion authenticity can not be confirmed. The encrypted payment information of a payment object is received by the NFC functional mobile phone through an NFC technology, a third-party platform is connected with an internet banking system of an appointed IP (Internet Protocol) address server, and the payment information needed by the internet banking system is filled in by the third-party platform so as to realize near field payment; and an encrypted payment completion instruction is verified through the third-party platform and an RF (radio frequency) reader-writer of the payment object so as to confirm the method for completing the payment. According to the technical scheme of the invention, the user account information and the payment password needing secret protection are preserved in the mobile phone of the user, the leak that the user account and payment password information preserved on a POS (point-of-sale) machine in the near field payment mode of the prior art is plugged, and the security of the user account information and fund is greatly improved; and because the internet access function of the mobile phone of the user is fully utilized, the POS machine with a high cost is replaced by the RF reader-writer with a low cost, and the investment cost of hardware used for the near field payment is greatly reduced.