A transaction processing method applied to near-field communication, comprising: receiving, by a first terminal, a first money transfer request message sent by a second terminal, wherein the first money transfer request message comprises a role flag of the second terminal, and the role flag of the second terminal is a payer role flag or a payee role flag; and determining, by the first terminal, a processing manner of the first money transfer request message based on the role flag of the second terminal and/or a role flag of the first terminal if a money transfer request collision exists, wherein the processing manner of the first money transfer request message is sending, by the first terminal, a first money transfer response message to the second terminal, wherein the first money transfer response message is used to reply to the first money transfer request message or skipping, by the first terminal, replying to the first money transfer request message; and the money transfer request collision means that simultaneously when the first terminal receives the first money transfer request message, the first terminal sends a second money transfer request message to the second terminal, wherein the second money transfer request message comprises the role flag of the first terminal, and the role flag of the first terminal is a payer role flag or a payee role flag, wherein the skipping, by the first terminal, replying to the first money transfer request message comprises: when the role flag of the first terminal is a payer role flag and the role flag of the second terminal is a payee role flag, skipping, by the first terminal, replying to the first money transfer request message, and receiving or waiting to receive a second money transfer response message sent by the second terminal, wherein the second money transfer response message is used to reply to the second money transfer request message, and wherein the sending, by the first terminal, a first money transfer response message to the second terminal comprises: when the role flag of the first terminal is a payee role flag and the role flag of the second terminal is a payer role flag, sending, by the first terminal, the first money transfer response message to the second terminal, and skipping, by the second terminal, replying to the second money transfer request message. receiving, by a first terminal, a first money transfer request message sent by a second terminal, wherein the first money transfer request message comprises a role flag of the second terminal, and the role flag of the second terminal is a payer role flag or a payee role flag; and determining, by the first terminal, a processing manner of the first money transfer request message based on the role flag of the second terminal and/or a role flag of the first terminal if a money transfer request collision exists, wherein the processing manner of the first money transfer request message is sending, by the first terminal, a first money transfer response message to the second terminal, wherein the first money transfer response message is used to reply to the first money transfer request message or skipping, by the first terminal, replying to the first money transfer request message; and the money transfer request collision means that simultaneously when the first terminal receives the first money transfer request message, the first terminal sends a second money transfer request message to the second terminal, wherein the second money transfer request message comprises the role flag of the first terminal, and the role flag of the first terminal is a payer role flag or a payee role flag, wherein the skipping, by the first terminal, replying to the first money transfer request message comprises: when the role flag of the first terminal is a payer role flag and the role flag of the second terminal is a payee role flag, skipping, by the first terminal, replying to the first money transfer request message, and receiving or waiting to receive a second money transfer response message sent by the second terminal, wherein the second money transfer response message is used to reply to the second money transfer request message, and wherein the sending, by the first terminal, a first money transfer response message to the second terminal comprises: when the role flag of the first terminal is a payee role flag and the role flag of the second terminal is a payer role flag, sending, by the first terminal, the first money transfer response message to the second terminal, and skipping, by the second terminal, replying to the second money transfer request message. when the role flag of the first terminal is a payer role flag and the role flag of the second terminal is a payee role flag, skipping, by the first terminal, replying to the first money transfer request message, and receiving or waiting to receive a second money transfer response message sent by the second terminal, wherein the second money transfer response message is used to reply to the second money transfer request message, and wherein the sending, by the first terminal, a first money transfer response message to the second terminal comprises: when the role flag of the first terminal is a payee role flag and the role flag of the second terminal is a payer role flag, sending, by the first terminal, the first money transfer response message to the second terminal, and skipping, by the second terminal, replying to the second money transfer request message.