The invention relates to a mobile security settlement network construction system. The mobile security settlement network construction system consists of an embedded system comprising an intermediate key, namely, an X shield, a mobile X shield device, a client mobile device, a mobile private network, private network base station and controller, a data authentication center platform server and a receipt and payment settlement system operation platform server, and a mobile security settlement network is constructed. An X shield APP is installed in the client mobile device, bound with the client mobile device and associated with an APP of a receipt and payment settlement system; when a client performs receipt and payment settlement, the X shield APP is actively connected to the mobile private network of mobile security settlement, transmits private encrypted data and is intelligently connected with a back-end system server platform database; after an identity is confirmed to be correct through multiple comparison, a connection permission signal is released, so that the system can be securely connected with the private network, and secure system operation is ensured; and when the identity is abnormal through comparison, the system refuses a connection and gives an alarm signal to a client APP, so that the payment settlement is refused, and the private network connection is cut off.