A high-safety user multi-authentication system, comprising: a server having a user habit information and a key generator for generating a real key corresponding to the user habit information and at least one bait key; and a user application unit disposed on a communication device having a user interface, a key receiving unit for receiving the real key and the at least one bait key from the server, an OTP (one time password) generator for generating a real OTP based on the real key and at least one bait OTP based on the at least one bait key; wherein the real OTP is provided to the user interface when the communication device is operated according to the user habit information.