A Combi-SIM card framework of electronic purse combining wireless transceiver of mobile device is a framework that combines the mobile phone subscriber identity module (SIM or USIM) chip and the electronic purse smart card chip having no wireless induction analog circuit to form a complex subscriber identity module (hereinafter known as Combi-SIM) and further cooperates with a mobile device having multifunction wireless transceiver. Based on the fact that the multifunction wireless transceiver is equipped with the signal path selection functions, the mobile device not only works as a wireless card but also works as a card reader to read exterior wireless card or access the content of electronic purse smart card in the Combi-SIM. Herewith, it provides functions of electronic purse and telecommunication value added service integration. Consumer proceeds electronic purse transaction at anytime and anywhere through the convenience of carry-on mobile device.