Being able to monitor the heart will allow the diagnosis of heart diseases for patients during daily activities, and the detection of burden on the heart during strenuous exercise. Furthermore, with the help of U-health technology, immediate medical action can be taken, in the case of abnormal symptoms of the heart in daily life. Therefore, it appears to be necessary to develop the corresponding technology to monitor the condition of the heart daily. In this study, a novel wearable smart system was proposed, to monitor the activity of the heart in daily life, and to further evaluate the rhythm of arrhythmia. The wearable system includes three modified bipolar conductive fiber electrodes in the chest part, which can resolve the reduction problem of the magnitude of the signal, by magnifying the signal and removing the noise, to obtain high affinity and validity for medical-type usage (<0.903%). The biological signal acquisition and data lines, and the signal processing engine and communication consist of a conductive ink, and the pic18 and ANT protocol nRF24AP2, respectively. The proposed algorithm was able to detect a strong ECG, signal and r-point passing over the noise. The confidence intervals were 96 %, which could satisfy the requirement to detect arrhythmia under the unconstrained conditions.