Method for realizing local data loading through fixed-line payment

The invention discloses a method for realizing local data loading through fixed-line payment. The method comprises the steps that during transaction of a fixed-line payment terminal, version information of table data options is compared, if a new version is released, and the new version is downloaded in an incremental mode and is stored in local flash. In the transaction process of a commercial tenant, the commercial tenant does not need to input the information such as the complex account and the username, instead, the commercial tenant can directly conduct page turning through up and down keys, select the account in need of transfer and input the transaction amount and passwords, and then transaction can be conducted. The method solves the problems of stability and efficiency of the table data options and enables the transferring process of the commercial tenant to be more convenient and faster.