The invention relates to a device, a system, and a method for mobile convergence payment. The device comprises a MCU module, a safety module, a communication module, an NFC module, an input module, a display module, and a power management module. The safety module, the communication module, the NFC module, the input module, the display module, and the power management module are connected with the MCU module. The NFC module is connected with the safety module. The communication module at least comprises two kinds of communication channels. The device is provided with a plurality of safety submodules, and can effectively protect user transaction safety through implementing a safety payment transaction method, an electronic authentication method, and a plurality of safety data transmission methods. The device, the system, and the method are suitable to be used for online banking service, mobile banking service, industry IC card recharging service, IC card card-present payment service, and near-field payment service, and other applications. The device can be used offline, and can also be used online, and effectively gets through online and offline payment, realizes transaction closed loop. The device, the system, and the method can be used for various kinds of payment application scenarios.