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With the development of science and technology and the popularization of e-commerce, the application of wireless network technology in the business field has gradually become a hot spot of academic research, which also brings us new topics and challenges. The secure payment system based on the improved TOTP algorithm proposed in this paper involves the WAP wireless secure payment theory and the application of mobile e-commerce. This paper first studies the WAP wireless network theory of mobile payment system, and proposes the WAP algorithm flow based on identity encryption. Then, the secure wireless execution environment of the WAP encryption payment algorithm is analyzed in depth. This paper discusses the security requirements of the WAP wireless network payment system. Based on the identity encryption algorithm, several practical algorithms are proposed, and a wireless network mobile payment model combining NTRU and ECC is constructed to improve the WAP algorithm. This paper proposes a WAP wireless network security payment system based on the improved TOTP algorithm, constructs its overall structure, and designs a core algorithm with strong adaptability, including the improved TOTP algorithm and risk assessment algorithm. Finally, the performance of the WAP e-commerce secure payment system is tested and analyzed. The research found that when the 256-bit key was used to encrypt the login information, the number of tests was 23,588, the number of concurrent threads was 200, the number of requests per second was 518, the average response time was 0.219 s, the average traffic was 500 KB/s, and the error rate was 2%. It can be seen from the data that the WAP wireless secure payment system operates normally with low network delay and can respond to operation requests quickly under the condition of concurrent access by multiple users, with strong overall pressure resistance. The work of this paper has a good reference value for the construction of the WAP wireless network payment system and the design and application of mobile e-commerce, which is conducive to further research. [ABSTRACT FROM AUTHOR]