As very important key technologies of beyond 3G systems, MC- CDMA is the method combined OFDM and CDMA has being received more and more attention recently, because it can provide many advantages, such as larger capacity, high data rate, frequency and time diversity, etc. Multifarious MC-CDMA methods are investigated. In this paper, a new M-ary MC-CDMA method is proposed for transmitting high date rate and employing radio software technique after we investigate and review advanced OFDM, CDMA and MC-CDMA methods. M-ary MC-CDMA proposed is to divide multi parallel branches, each branch is modulated by high rate data using M-ary OFDM and is left each other by CDMA. Then the different user can use different number of parallel branches to transmit multimedia data. Simulation results show that M-ary MC-CDMA method proposed has better performance and high capacity, smart process ability of different multimedia service and resource management.