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The identity authentication scheme based on symmetrical algorithm in 3G communication, cannot satisfy a high level of security demand of Beyond 3G (B3G). We propose an identity authentication scheme based on the PIN code, fingerprint characteristics and universal subscriber identity module (USIM) card. This solution makes full use of RSA's cryptosystem and hash algorithm, realized mutual identity authentication among the USIM card, the user and the network center. The random factor is generated by the mutual parties to guarantee the authentication fairness. Pre-calculation is used in user ends to reduce the real-time calculation and make the scheme satisfy real-time requirement of mobile communication system. Our scheme is suitable for applications with high security requirement.