The present invention relates to a financial business data cloud interaction method, which solves the technical problem of low confidentiality. By adopting step 1, the cloud server connects to the security verification terminal for the first time, and uses the request signal transmitted by the security verification terminal for the first time as the cloud initialization signal; Perform cloud initialization for the cloud security verification strategy; step 2, receive the business encryption key of the security verification terminal, and use the time value of receiving the business encryption key as the cloud business time value; step 3, according to the cloud initialization time value, cloud business time Value, run the cloud correlation function to determine the specific encryption and decryption algorithm, and decrypt the business encryption key in step 2; step 4, verify the consistency between the decrypted verification data and the pre-stored filing data in the cloud service; step 5, The technical solution of judging whether to start or continue to exchange data based on the consistency verification results can better solve this problem and can be used in financial and commercial data cloud exchanges.