Patent ID: 8751404

Claim:
A method for authenticating network payment through a mobile terminal, wherein the mobile terminal includes a Flash memory storing a plurality of digital certificates for a user, each corresponding to one of a plurality of network payment systems, and correspondence between the plurality of network payment systems and the plurality of digital certificates, the method comprising: selecting, by the mobile terminal, a network payment system which is needed to implement current network payment from the plurality of network payment systems according to an instruction input by the user; reading, by the mobile terminal, from the Flash memory the correspondence between the plurality of selected network payment systems and the plurality of digital certificates; selecting, by the mobile terminal, from the plurality of digital certificates for the user stored in the Flash memory one of the digital certificates corresponding to the selected network payment system based on the correspondence between the selected network payment system and the corresponding digital certificate; sending, by the mobile terminal, the corresponding digital certificate needed for authentication to the selected network payment system; and when the user is confirmed by the selected network payment system to be a legal user according to the corresponding digital certificate, logging, by the mobile terminal, on the selected network payment system.