The Hubei Rural Commerce App cannot install the cloud certificate because the Hubei Rural Commerce App has not yet included the cloud certificate for use. Cloud certificates are based on digital signature technology, which means that the authentication of the business system is not completed by the business system itself, but is provided to the business system by a security authentication service provider deployed in the cloud in the form of PAAS or an integrated interface to achieve trustworthiness of business system users. Authentication method for identity authentication. With this cloud certificate, there is no need to carry other hardware, and you can easily sign and complete various mobile banking transactions.