Various examples of the present disclosure provide a mobile sensing and smart payment system. The mobile sensing and smart payment system includes a terminal-identity-information-collection module, and a background data processing center. The background data processing center is configured to successively and respectively trigger, in a suitable time slot, a user information extraction process to extract mobile terminal identity information corresponding to each passenger; based upon extracted mobile terminal information to determine start and destination stations for each passenger; and calculate a charge for each passenger based upon the start and destination stations, and a fee schedule. The present disclosure can effectively determine a charge for each passenger without a need for a corresponding passenger to swipe a card or insert a coin through a traditional gate machine, and thus is advantageous over conventional systems.