The present invention relates to a communication system and a communication method. The communication system includes a micro IC card, a radio frequency (RF) card sleeve and a multi-frequency card reader. The micro IC card is used to communicate with the RF card sleeve through a contact interface. The multi-frequency card reader is used to perform an RF communication with the RF card sleeve. The communication method includes exchanging data with a micro IC card through an RF channel; and the micro IC card sleeve exchanges data with the micro IC card by a contact communication. The communication system and method provide operators a working environment to adapt cards with different frequencies. Thus, telecommunication operators and financial service providers are able to independently issue their own cards, which lowers difficulties of promoting mobile payment services, and aids to boost the popularization and applications of the mobile payment services.