The invention discloses a simulator of contact intelligent card with 
USB interface, comprising a simulating 
chip and the supervising parts that controls the work of simulating 
chip. The simulator communicates with 
card reader through the 
USB interface, which has standard power line VDD and GND and 
signal line D+ and D-. The simulator has the own power source thereof which always supplies power to the simulating 
chip when the simulator is at work. User can control the simulator in the following ways: Control the connecting method of the 
signal line D+ and D- of 
USB interface with externally connected pull-up 
resistor through the supervising parts, and control the electrifying course of USB interface and its working mode of full speed or 
low speed. The supervising parts control the disconnecting of 
signal line D+ and D- of USB interface from the externally connected pull-up 
resistor and the pulling out course of simulating card from 
card reader. The invention can flexibly and conveniently set the connecting method of simulating chip's signal line D+ and D- with the external connected 
resistor by request, and simulate really the electrifying work course that is consistent with product and the regulation of agreement.