Mobile phone subscriber identity card based on multichannel digital authentication of mobile payment

A mobile phone subscriber identity card on multichannel digital authentication of mobile payment, comprising a card body and an in-card circuit integrated in the dimensional space of the card body, wherein the in-card circuit comprises an MCU security chip, a radio frequency driving unit, a radio frequency antenna and an SIM card standard copper connecting contacts;

• the radio frequency antenna, the radio frequency antenna, the MCU security chip and the SIM card standard copper connecting contacts are connected in sequence;
• subscriber identity authentication information for implementing mobile communication is stored in the MCU security chip, the MCU security chip is connected to a mobile phone terminal through the SIM card standard copper connecting contacts, so as to send the subscriber identity authentication information to the mobile phone terminal, and then the mobile phone terminal conducts subscriber identity authentication with a telecommunication operator;
• an E-wallet for implementing payment based on near field communication is also stored in the MCU security chip, and the MCU security chip is matched with an external card reader through the radio frequency driving unit and the radio frequency antenna, so as to implement the payment function of the E-wallet;
• one or more digital authentication certificates are also stored in the MCU security chip;
• the digital authentication certificate is an electronic document that uniquely binds the personal identity information of the mobile phone subscriber to an electronic signature, is applied by the mobile phone subscriber from a third-party authentication institution, issued by the third-party authentication institution, and is written in the MCU security chip by a designated institution having a certain authority;
• the MCU security chip is also provided with a digital certificate authentication processing module for processing an authentication process of the digital authentication certificate;
• the in-card circuit further comprises a data link for being connected between the MCU security chip and the mobile phone terminal, and is used for transmitting data of the digital authentication process;
• and the digital certificate authentication processing module of the MCU security chip is connected to a mobile phone terminal through the data link, and is connected to the third-party authentication institution through a network resource of the mobile phone terminal in an online manner, so as to conduct digital certificate authentication.