The invention provides a mobile payment multi-application system, which uses an intelligent terminal as a platform, a safety module as a carrier and an e-commerce platform as a supporter, builds the ubiquitous computing environment for smart cities and realizes the seamless joint with the existing system. The mobile payment multi-application system has the advantages that the NFC (near field communication), UHF(ultra high frequency), Zigbee and WiFi (wireless fidelity) converged access technology, the distributed key technology, the embedded middleware technology and the multi-interface adapting technology are adopted, a mobile communication network, a wireless sensing network and the Internet are organically merged, an multi-application access platform is built, a special safety module and PKI (public key infrastructure) combining mechanism is adopted, and the safety of the system is improved through the multi-factor cross combination checking; multipath automatic selection and mutual backup are provided for ensuring the reliability, the safety and the robustness of the system transmission; and the perfect matching of a mobile terminal is realized through the cross-platform middleware technology, and the seamless integration with the existing system is realized through the technology of digital signature, biometric feature recognition and the like, so the existing system realizes the stable transition.