Mobile phone user identification card based on mobile payment multichannel digital certificate

Abstract

The invention discloses a mobile phone user identification card based on mobile payment multichannel digital certificate. The mobile phone user identification card based on mobile payment multichannel digital certificate comprises a card body and a card internal circuit which is integrated in a size space of the card body. The card internal circuit comprises a micro control unit (MCU) security chip. One or a plurality of digital authentication certificates are stored in the MCU security chip, and a digital certificate authentication processing module which is used for treating authentication processes of the digital authentication certificates is arranged in the MCU security chip. The car internal circuit further comprises a data link which is used for transmitting data of the digital certification processes. The digital certificate authentication processing module of the MCU security chip is connected with a mobile phone terminal through the data link and is connected with a third part certification mechanism through network resources of the mobile phone terminal in an online mode to conduct authentication of the digital certificates. The mobile phone user identification cared utilizes mobile payment which is conducted through the mobile phone terminal, is not limited to telecom operators and finance banks, but is mastered by a user, and achieves a goal of safely, rapidly and conveniently achieving the mobile payment of various consumption.

Description

technical field [0001] The invention relates to a mobile phone smart card, in particular to a mobile phone user identification card based on mobile payment multi-channel digital authentication. Background technique [0002] Mobile payment in a broad sense refers to the process in which both parties to a transaction exchange financial value through mobile terminal devices for a certain commodity or service. Mobile payment in a narrow sense refers to the transfer and payment of monetary funds in a non-voice manner through mobile phone terminals based on wireless communication technology. [0003] According to the technical conditions on which payment is based, mobile payment can be divided into remote payment and near-end payment. [0004] Remote payment - refers to the establishment of connection with the background payment system through the mobile network, using air interfaces such as SMS and GPRS, to realize various payment functions such as transfer and consumption. Inc...

AI Technical Summary

Problems solved by technology

In other words, China Mobile users can only buy products or services from China Mobile, while China Telecom users can only buy products or services from China Telecom, and cannot communicate with each other.

[0012] 2. Banks hold users’ monetary funds, telecom operators hold users’ payment tools, monetary funds and payment tools, how to let users control the intercom

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