An integrated business management system and method based on mobile internet are provided. The system comprises: a user intelligent mobile terminal device, a merchant management device, an integratedmerchant management server, and a cloud database computer. The user intelligent mobile terminal device is configured to initiate a member recharge and consumption request; the merchant management device is configured to initiate a charging and settlement request of the merchant, and request a fund management module to process the request in response to the member recharge and consumption request;the fund management module runs on the integrated merchant management server; the fund management module remits the recharge funds into a fund pool; the fund pool is supervised by a designated institution; and the cloud database computer stores a cloud database, and is configured to store user and merchant data. According to the system and method provided by the present invention, custody of the customer recharge funds can be implemented, and the funds can be under the supervision of the government industry and commerce, so that the recharge is guaranteed, the users have confidence, and the merchants have a reputation.