MOBILE PHONE SUBSCRIBER IDENTITY CARD BASED ON MULTICHANNEL DIGITAL AUTHENTICATION OF MOBILE PAYMENT

摘要

The present invention discloses a mobile phone subscriber identity card on multichannel digital authentication of mobile payment, including a card body and an in-card circuit integrated in the dimensional space of the card body. The in-card circuit includes an MCU security chip; one or more digital authentication certificates are stored in the MCU security chip, and a digital certificate authentication processing module for processing an authentication process of the digital authentication certificate is provided therein; the in-card circuit further includes a data link for transmitting data of the digital authentication process; and the digital certificate authentication processing module of the MCU security chip is connected to the mobile phone terminal through the data link, and is connected to a third-party authentication institution through a network resource of the mobile phone terminal in an online manner, so as to conduct digital certificate authentication. The mobile payment performed by the mobile phone subscriber identity card using the mobile phone terminal cannot be limited by telecommunication operators and financial banks, but is commanded by the subscriber, thereby achieving the object of realizing the mobile payment for various consumptions securely, quickly and conveniently.