The invention discloses a mobile financial payment method and system based on Internet of Things under a cloud platform. The mobile financial payment method comprises remote payment, near-field payment online consumption and near-field payment offline consumption; the mobile financial payment system based on Internet of Things under the cloud platform comprises an account system, a movable terminal, a remote payment client, a field receiving terminal, a payment accessing system, a transaction system, an account settling system, a payment content platform, a commercial tenant management system and a payment supporting system. By virtue of the mobile financial payment method and system, electronic bank businesses of self-help financial services including account inquiry transacted by a cell phone bank, account transfer, remittance, investment and financing, payment, cell phone payment, credit card repayment, cell phone payment, credit and loan inquiry and the like; the mobile financial payment system is convenient to carry, can be used for simply and conveniently applying for account transfer, has abundant functions, and is safe and reliable.