A smart card communication method, for communication between a smart card and an NFC contactless front-end chip, characterized in that the method comprises: for each communication standard supported by the NFC contactless front-end chip there is one corresponding contactless card RF gate in the NFC contactless front-end chip and for each communication standard supported by the smart card there is one corresponding contactless card application gate in the smart card; when installing a contactless payment application, the smart card recording a communication standard adopted by a contactless payment system corresponding to the contactless payment application, wherein the communication standard is identified by identification information provided by the contactless payment application; the method further comprises for each card application gate, the smart card judging whether a contactless payment application corresponding to the card application gate exists based on the identification information; if yes, creating a pipe between the card application gate and a corresponding card RF gate in the NFC contactless front-end chip; wherein the step of recording a communication standard adopted by a contactless payment system corresponding to the contactless payment application comprises: recording information about the payment application in a registry of the smart card; and the information about the payment application comprises identification information about the communication standard adopted by the contactless payment system corresponding to the contactless payment application; the step of judging comprises: the smart card queries in information about installed contactless payment application recorded in the smart card through the identification information, and judges whether a contactless payment application corresponding to the card application gate exists; wherein the contactless payment application corresponding to the card application gate comprises one or more contactless payment applications installed in the smart card, and the communication standard adopted by the contactless payment system corresponding to the contactless payment application is identical to the communication standard corresponding to the card application gate. for each communication standard supported by the NFC contactless front-end chip there is one corresponding contactless card RF gate in the NFC contactless front-end chip and for each communication standard supported by the smart card there is one corresponding contactless card application gate in the smart card; when installing a contactless payment application, the smart card recording a communication standard adopted by a contactless payment system corresponding to the contactless payment application, wherein the communication standard is identified by identification information provided by the contactless payment application; the method further comprises for each card application gate, the smart card judging whether a contactless payment application corresponding to the card application gate exists based on the identification information; if yes, creating a pipe between the card application gate and a corresponding card RF gate in the NFC contactless front-end chip; wherein the step of recording a communication standard adopted by a contactless payment system corresponding to the contactless payment application comprises: recording information about the payment application in a registry of the smart card; and the information about the payment application comprises identification information about the communication standard adopted by the contactless payment system corresponding to the contactless payment application; the step of judging comprises: the smart card queries in information about installed contactless payment application recorded in the smart card through the identification information, and judges whether a contactless payment application corresponding to the card application gate exists; wherein the contactless payment application corresponding to the card application gate comprises one or more contactless payment applications installed in the smart card, and the communication standard adopted by the contactless payment system corresponding to the contactless payment application is identical to the communication standard corresponding to the card application gate.