Human mobility traces, often recorded as sequences of check-ins, provide a unique window into both short-term visiting patterns and persistent lifestyle regularities. In this work we introduce GSTM-HMU, a generative spatio-temporal framework designed to advance mobility analysis by explicitly modeling the semantic and temporal complexity of human movement. The framework consists of four key innovations. First, a Spatio-Temporal Concept Encoder (STCE) integrates geographic location, POI category semantics, and periodic temporal rhythms into unified vector representations. Second, a Cognitive Trajectory Memory (CTM) adaptively filters historical visits, emphasizing recent and behaviorally salient events in order to capture user intent more effectively. Third, a Lifestyle Concept Bank (LCB) contributes structured human preference cues, such as activity types and lifestyle patterns, to enhance interpretability and personalization. Finally, task-oriented generative heads transform the learned representations into predictions for multiple downstream tasks. We conduct extensive experiments on four widely used real-world datasets, including Gowalla, WeePlace, Brightkite, and FourSquare, and evaluate performance on three benchmark tasks: next-location prediction, trajectory-user identification, and time estimation. The results demonstrate consistent and substantial improvements over strong baselines, confirming the effectiveness of GSTM-HMU in extracting semantic regularities from complex mobility data. Beyond raw performance gains, our findings also suggest that generative modeling provides a promising foundation for building more robust, interpretable, and generalizable systems for human mobility intelligence.