NFC mobile payment communication method based on online payment

The invention provides an NFC mobile payment communication method based on online payment. By means of the method, a payer conducts payment with a receiving party collection terminal through a handheld mobile terminal with online payment mechanism authentication, and both the mobile terminal and the collection terminal are provided with NFC modules. The payment process includes the steps that an order is generated, the order is sent to the mobile terminal, the mobile terminal conducts online payment, and the payment is finished, wherein when the order is sent to the mobile terminal, a secret key form of an asymmetric algorithm is adopted to guarantee communication safety. By the adoption of the NFC mobile payment method, the payment process is convenient to conduct, the required cooperation parties are less, reform to existing systems and devices is less, the cost is low, and application and popularization are facilitated.