Method for processing mobile phones POS consumptive data and mobile phones POS consumption system

The invention discloses a data processing method for mobile phone POS consumption, which comprises that connection between the mobile phone number and the bank account of a user is established; a mobile phone POS consumption transaction request submitted by the user in the mobile phone banking system is received; the mobile phone banking system generates the mobile phone POS consumption authorization transaction information according to the transaction request; the bank account relevant to the mobile phone number of the user is acquired and verified; if the verification passes, a payment codeof the current mobile phone POS consumption transaction is generated and returned to the mobile phone number of the user; the mobile phone number, the transaction amount information and the payment code of the user are input to the POS terminal to generate the corresponding POS consumption request; then the mobile phone number of the user and the payment code are verified and if the mobile phone number and the payment cod