The invention discloses a communication real-name system based communication money management system, and provides a piece of mobile phone software developed by a communication department. The software comprises following functional modules: an address book module, a character processing module, a voice module, a video processing module, an internet access module, an entertainment video module, a personal storage space module and an E-bank processing module. Each real-name phone number can ask a communication business hall for installing the software and is subjected to real-name registration after installation; conditions required by registration comprises mobile phone short message authentication, the phone number, a phone owner name, an ID number, phone owner head portrait acquisition, and setting of a user name and a password; the password adopts a fingerprint; when another mobile phone logs in the system, rechecking of the head portrait is also required by the system besides a short message verification code and the fingerprint; and each checking record is automatically stored in a storage module.