A mobile phone subscriber identification card based on mobile payment multi-channel digital authentication

Abstract

Disclosed is a mobile phone subscriber identity card based on multichannel digital certification of a mobile payment, comprising: a card body and an in-card circuit integrated in the dimensional space of the card body. The in-card circuit comprises an MCU security chip. One or more digital authentication certificates are stored in the MCU security chip, and a digital certificate authentication processing module used for processing an authentication process of the digital authentication certificate is provided therein. The in-card circuit also comprises a data link used for transmitting data of the digital authentication process. The digital authentication certificate processing module of the MCU security chip is connected to a mobile phone terminal through the data link and is connected to a third-party authentication mechanism through a network resource of the mobile phone terminal in an on-line manner, so as to conduct authentication of the digital certificate. 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 can be commanded by a subscriber himself / herself, thereby achieving the purpose of realizing the mobile payment of various purchases securely, rapidly and conveniently.

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 intercommunication by themselves, there is no good solution at present, simply put, users have not yet An effective way to transfer the money stored in the bank to the mobile payment tool and control your own e-wallet

Although people have different views on online shopping over the years, its existence and development are enough to prove the vitality of Internet e-commerce.

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