MOBILE PAYMENT METHOD AND APPARATUS
First Claim
1. A mobile payment method, comprising the following steps:
- executing a non-contact protocol initialization process between a mobile payment terminal and an external device by the mobile payment terminal;
receiving a selection command from the external device by the mobile payment terminal, the selection command designating a non-contact application;
determining, by the mobile payment terminal, whether the designated non-contact application supports a fingerprint verification mode;
determining, by the mobile payment terminal, whether the designated non-contact application has passed the fingerprint verification, if the fingerprint verification mode is supported; and
running the designated non-contact application by the mobile payment terminal to execute a payment operation, if the designated non-contact application has passed fingerprint verification or does not support the fingerprint verification mode,wherein the execution of the non-contact protocol initialization process is independent of the execution of the fingerprint verification process.
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Accused Products
Abstract
The present disclosure relates to a mobile payment method and device based on a near field communication function, which can seamlessly switch between a fingerprint verification mode and a non-fingerprint verification mode. The mobile payment method according to the present disclosure includes the following steps: executing a non-contact protocol initialization process between a mobile payment terminal and an external device by the mobile payment terminal; receiving a selection command from the external device by the mobile payment terminal, the selection command designating a non-contact application; determining, by the mobile payment terminal, whether the designated non-contact application supports a fingerprint verification mode; determining, by the mobile payment terminal, whether the designated non-contact application has passed the fingerprint verification, if the fingerprint verification mode is supported; and running the designated non-contact application by the mobile payment terminal to execute a payment operation, if the designated non-contact application has passed fingerprint verification or does not support the fingerprint verification mode, wherein the execution of the non-contact protocol initialization process is independent of the execution of the fingerprint verification process.
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Citations
11 Claims
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1. A mobile payment method, comprising the following steps:
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executing a non-contact protocol initialization process between a mobile payment terminal and an external device by the mobile payment terminal; receiving a selection command from the external device by the mobile payment terminal, the selection command designating a non-contact application; determining, by the mobile payment terminal, whether the designated non-contact application supports a fingerprint verification mode; determining, by the mobile payment terminal, whether the designated non-contact application has passed the fingerprint verification, if the fingerprint verification mode is supported; and running the designated non-contact application by the mobile payment terminal to execute a payment operation, if the designated non-contact application has passed fingerprint verification or does not support the fingerprint verification mode, wherein the execution of the non-contact protocol initialization process is independent of the execution of the fingerprint verification process. - View Dependent Claims (2, 3, 4, 5)
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6. A mobile payment terminal, comprising:
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a near-field communication unit, configured to execute a non-contact protocol initialization process between the mobile payment terminal and an external device, and receive a selection command from the external device, the selection command designating a non-contact application running in the mobile payment terminal; a fingerprint verification unit, configured to execute a fingerprint verification process; and an embedded security element, which comprises a fingerprint triggering module configured to; determine whether the designated non-contact application supports a fingerprint verification mode; determine whether the designated non-contact application has passed the fingerprint verification, if the fingerprint verification mode is supported; and instruct running the designated non-contact application in the mobile payment terminal to execute a payment operation, if the designated non-contact application has passed fingerprint verification or does not support the fingerprint verification mode, wherein the execution of the non-contact protocol initialization process is independent of the execution of the fingerprint verification process. - View Dependent Claims (7, 8, 9, 10, 11)
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Specification