Mobile internet has changed people’s life style

but Trojans and hackers have also affected user experience. At present

popular biometrics such as fingerprint/face swiping and SMS verification code are easy to be stolen by Trojans. Based on the Java USIM card itself

this paper discusses the operation of user identity

present a method for computing user identity based on USIM card and its encryption & security system

analyzes the internal mechanism of penetrating the "machine-card" channel which the industry has been seeking for many years

and realizes the dynamic authentication of user s identity "one time one secret". The results presented in this article can be used for mobile payment driverless

bike sharing

internet of things

public transport/subway/etc and e-visa and other vertical businesses

as well as password free travel of websites.