Mobile payment method and system and mobile terminal

The embodiment of the invention relates to the technical field of communication, and discloses a mobile payment method and system and a mobile terminal. The method comprises the steps that physiological characteristic information of a user is acquired before performing mobile payment operation; whether the physiological characteristic information and the pre-stored authorized physiological characteristic information are matched is compared, and if the comparison result is yes, identification information of an authorized hot spot is requested to a binding terminal; and whether the identification information of the authorized hot spot is consistent with identification information of a currently accessed hot spot is compared, and if the comparison result is yes, mobile support operation is performed. With application of the mobile payment method, security of mobile payment can be enhanced.