Hand-held mobile radio phonetic data communication with IC card read/wirte function

This invention relates to a handheld mobile radio phonetic date communication machine with IC card read and write functions which can send information from IC card (including data, figue, picture) todata center by radio transmission to compare and testify the information with that in the database to feed back the result to the said communication terminal timely at any place covered by GSM, CDMA or radio special net-work. The data center can have session with communication terminal (both are the calling party) is necessary, so as to read IC card and testify information in the card at any place in mobile status.