A good architecture is the basis of system security and stable operation, which can effectively reduce the risk of system construction, and ensure health development. The mobile payment system involves many links; the process is complex and diverse with higher security requirements. Combined with advanced security technology --- tolerance mechanisms, a novel mobile payment system architecture is design. Voting unit and detection unit checks the states of system; management unit restores or reconstructs system to ensure the operation of key services by redundancy of services and equipments; Threshold (n, t) multiplies the difficulty of the attack proxy server to gain access to sensitive information. According to security and performance analysis, proposed architecture is safe and effective.