Multifunctional mobile payment terminal

The embodiment of the utility model provides a multifunctional mobile payment terminal, which is characterized by comprising a main controller, an audio communication circuit, a security chip, an IC card communication circuit and a power supply, wherein the audio communication circuit and the security chip are connected with the main controller, the IC card communication circuit and the power supply are connected with the security chip, the audio communication circuit communicates with a mobile terminal, the security chip controls the security of the transaction, and the IC card communication circuit carries out mobile transaction through an IC card. The multifunctional mobile payment terminal combines a mobile payment terminal and a USB KEY, realizes the transaction functions such as recharging and paying at the mobile terminal and a computer terminal as well as USB KEY, adds the application of industry cards, achieves the purposes of module reuse and function extension, guarantees the practicability and compatibility of the terminal to the greatest extent, and solves the problems of single function and inconvenient management of the original equipment.