We have developed a four-channel high temperature radio-frequency superconducting quantum interference device (HTc rf SQUID) in a simple magnetically shielded room (MSR) that can be used to analyze the cardiac magnetic field. It is more robust and compact than existing systems. To achieve the high-quality magnetocardiographic signal, we explored new adaptive software gradiometry technology constructed by the first-order axial gradiometer with a baseline of 80mm, which can adjust its performance timely with the surrounding conditions. The magnetic field sensitivity of each channel was less than 100fT/√Hz in the white noise region. Especially, in the analysis of MCG signal data, we proposed the total transient mapping (TTM) technique to visualize current density map (CDM), then we focused to observe the time-varying behavior of excitation propagation and estimated the underlying currents at T wave. According to the clear 3D imaging, isomagnetic field and CDM, the position and distribution of a current source in the heart can be visualized. It is believed that our four-channel HTc rf SQUID magnetometer based on biomagnetic system is available to detect MCG signals with sufficient signal-to-noise (SNR) ratio. In addition, the CDM showed the macroscopic current activation pattern, in a way, it has established strong underpinnings for researching the cardiac microscopic movement mechanism and opening the way for its use in clinical diagnosis.