The citizens could either replace the SIM cards of their China Mobile GSM network mobile phones or stick a special chip card onto their mobile phones. This kind of mobile phone card must be linked to the credit card of Chongqing Commercial Bank or other UnionPay cards beforehand. The citizens could just brush their mobile phones to pay for purchases at those merchants which are equipped with special terminal devices, and the expenses would be automatically deducted from the credit card. This kind of mobile phone card could also integrate the functions of all discount cards of other department stores, supermarkets, restaurants, etc., as well as credit cards issued by different banks. Each mobile phone card could integrate information of 64 accounts in total.