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• Authority certificates are used by some services, such as banking services, for
checking the validity of other certificates. Authority certificates can either be
saved in the security module by the service provider, or they can be
downloaded from the network, if the service supports the use of authority
certificates.
• User certificates are issued to users by a Certifying Authority. User certificates
are required, for example, to create a digital signature and they associate the
user with a specific private key in a security module.
Important: Note that even if the use of certificates makes the risks involved in
remote connections and software installation considerably smaller, they must be
used correctly in order to benefit from increased security. The existence of a
certificate does not offer any protection by itself; the certificate manager must
contain correct, authentic, or trusted certificates for increased security to be
available. Certificates have a restricted lifetime. If Expired certificate or Certificate
not valid yet is shown even if the certificate should be valid, check that the current
date and time in your device are correct.
Before changing any certificate settings, you must make sure that you really trust
the owner of the certificate and that the certificate really belongs to the listed
owner.
Digital signature
You can make digital signatures with your phone if your SIM card has a security
module. The signature can be traced back to you via the private key on the security
module and the user certificate that was used to perform the signature. Using the
digital signature can be the same as signing your name to a paper bill, contract or
other document.