NFC-based payment method

The invention discloses a NFC-based payment method. The method includes the following steps that: an NFC mobile terminal establishes a connection with a non-contact card based on an NFC communication protocol so as to obtain payment information, and transmits a payment instruction to a background system corresponding to a payment platform and the non-contact card according to the payment information; the background system generates a corresponding feedback instruction according to the payment instruction and transmits the feedback instruction to the payment platform; and the payment platform performs transaction processing according to the payment instruction and the feedback instruction and transmits transaction information to the NFC mobile terminal for performing information authentication. With the NFC-based payment method provided by the technical scheme of the invention adopted, the application filed of NFC electronic payment can be greatly expanded, and users can use mobile terminals to perform payment conveniently anywhere and anytime. The NFC-based payment method has the advantages of flexible transaction, convenience and quickness, and can improve user experience.