Mobile payment method between two mobile terminals on basis of digital certificate SIM (Subscriber Identity Module) cards

The invention discloses a mobile payment method between two mobile terminals on the basis of digital certificate SIM (Subscriber Identity Module) cards. Between two mobile terminals with the DC SIM cards, respective card ID (Identity) information is sent in a broadcasting manner by utilizing Bluetooth slave equipment of the CA-SIM (Certificate Authority-Subscriber Identity Module) cards (mobile phone subscriber identification cards with digital certificates subjected to personal identity authentication) of the two mobile terminals, then the card ID information transmitted by the CA-SIM cards is scanned by Bluetooth master equipment of the two mobile terminals, settlement is carried out with a payment system at a cloud terminal in an online manner, personal identity and account information of a consumer is authenticated by a server at the cloud terminal in an online manner and payment of transaction is completed. According to the invention, the handshake process of firstly establishing connection in the data transmission does not need to be completed, so that data is more simple, convenient and rapid to transmit; and mobile payment between the mobile terminals and a payment terminal POS (Point Of Sale) machine can be implemented by utilizing two mobile terminals, so that the aims of saving investment and bringing convenience to consumers are fulfilled.