The invention relates to a triple identity safety protection method and a terminal, and the method comprises the following steps: judging whether the identity of a user is authoritative and credible or not when the mobile terminal needs identity authentication; when the identity of the user is authorized and credible and it is detected that identity authentication is needed for starting the application program, judging whether the user is in a preset white list or not; when the user is in a preset white list, obtaining the authority currently needed by the application program; and when the user is in the trust authority range, switching the current operation mode of the application program to the trust mode. According to the method, the cost investment required for creating and maintainingthe credible identity information base of the personnel is reduced, and the operation of repeatedly carrying out identity authentication in a safe environment is avoided, so that the fluency and theuser experience of using the mobile terminal by a user are improved.