The invention discloses a method for providing added value function for mobile phone payment, relating to functional departments of a service cloud end, a merchant, consumers, banks, industry and commerce, commodity price, quality inspection, tax and the like. By utilizing the technologies of digital certificates, mobile phone payment, computer programs, cloud computation and the like, consumption rights and interests browsing and checking processing procedures are intervened before the mobile phone application program of a mobile terminal confirms payment, and the processing procedures are realized through coordinating the business application program of communication network and business terminal and cloud service program at a cloud side by the mobile phone application program of the mobile terminal, thereby helping consumers protect the consumption rights and interests while realizing mobile phone mobile payment, further helping the consumers claiming electronic invoices, and even further, being capable of helping the consumers conduct personal charge without input.