Mobile terminal service execution method and system based on XML (Extensive Markup Language) stream

The invention discloses a mobile terminal service execution method based on an XML (Extensive Markup Language) stream. The method comprises the following steps: starting a mobile terminal, parsing flow configuration files preset in the mobile terminal and executing corresponding atomic operations so as to detect whether an updated flow configuration file exists when connecting a background server, wherein the flow configuration file is in an XML format, and each of the atomic operations corresponds to one action command; if so, downloading the updated flow configuration file from the background server, parsing the updated flow configuration file, and executing the corresponding atomic operation and displaying a corresponding message according to a current service requirement; and if not, continuously executing subsequent atomic operations corresponding to the parsed preset flow configuration files and displaying the corresponding messages according to the current service requirement.