The invention discloses an IOV communication method, a server and an IOV communication system, wherein the method comprises the steps of: receiving first encrypted data sent by a mobile terminal; decrypting the first encrypted data by using a first key, and judging whether communication information obtained by decryption is information related to the vehicle security or not; and if so, encrypting the communication information through a second key, so that second encrypted data is obtained, sending the second encrypted data to a vehicle, and otherwise, sending the first encrypted data to the vehicle. By means of the method, the IOV communication security can be ensured; particularly, the IOV strong related data operation and control security can be ensured; the IOV communication reliability is effectively improved; potential safety hazards are avoided; and the vehicle security is ensured.