Highly secure mobile payment method, apparatus, and system

A highly secure mobile payment method, apparatus, and system, which are applicable to the field of electronic payment. The method comprises: a mobile terminal sends a consumption request to a payment device (S401); the payment device generates a payment request according to the consumption request, and sends the payment request to the mobile terminal (S402), wherein the payment request carries sensitive data, and the payment device performs an encryption operation on the sensitive data; the mobile terminal sends the payment request to a daemon server (S403); and after receiving the payment request, the daemon server decrypts the encrypted sensitive data, and interacts with a payment backend based on the payment request, to complete payment (S404). Payment is completed by means of encrypting sensitive data by using a key and sending a payment request that comprises the sensitive data to the daemon server by the mobile terminal, keys are managed by the same daemon server, the mobile terminal only forwards data, and different keys can be delivered for different payment devices or each transaction, thereby improving payment security.