The invention discloses a device integrating payment and gathering functions, a system and a trade method. The device comprises an intelligent memory card and an intelligent terminal; the intelligent terminal and the intelligent memory card are connected with each other by a general memory interface; the intelligent terminal used for generating safety trade management instructions according to the instruction of a user and sending the safety trade management instructions to the intelligent memory card, informs the user of the execution results of the safety trade management instructions, carries out the interaction with a bank side system by a remote communication network, carries out the interaction with the user by a user interface, carries out the interaction with another device integrating the payment and gathering function within the prearranged range by a near field communication way, processes the trade instructions from the user, another device or the bank side, generates the safety trade application instructions, sends the safety trade application instructions to the intelligent memory card, and informs the user of the execution results of the safety trade application instruction or sends the execution result to the bank side system or another device; and the intelligent memory card is used for executing the safety trade management instructions and the safety trade application instructions. The device can integrate the payment and gathering functions.