The invention relates to the technical field of 
mobile phone payment and provides an air business implement method and a 
system based on a 
mobile phone client-side. The air business implement 
system based on the 
mobile phone client-side comprises a 
subscriber identity module (SIM) card, a data interaction area, a mobile phone 
client-side and an air transferring 
service system. The SIM card is used for maintaining an offline purse and a 
radio frequency protocol suite, receiving a mobile phone client-side instruction to conduct business 
processing by interacting with a data interaction area and returning a processed result to the mobile phone client-side. The data interaction area interacts with the SIM card and the mobile phone client-side and is a message unsent area of the SIM card. The mobile phone client-side provides a visual operation interface for a user and sends an instruction to the SIM card through the data interaction area, receives the business 
processing result of the SIM card and finishes a validity 
verification of the user and a transferring service through interaction with the air transferring 
service system. The air transferring 
service system interacts with the mobile phone client-side, provides service access for the mobile phone client-side, manages transferring 
service user information, provides a 
payment gateway function and manages a transferring service transaction 
record. The air business implement method and the 
system based on the mobile phone client-side have the advantages of being good in 
usability and high in transaction success rate.