Contactless Payment Method, Apparatus, And System

A contactless payment method, applied to a payment terminal comprising at least two default contactless payment applications, wherein each default contactless payment application corresponds to one limit interval, and wherein the method comprises:

• obtaining a payment amount of a transaction;
• determining, from at least two consecutive and non-overlapping limit intervals corresponding to the at least two default contactless payment applications, a limit interval within which the payment amount falls;
• obtaining an application identifier of a first default payment application, wherein the first default payment application is a default contactless payment application corresponding to the limit interval within which the payment amount falls;
• and
• sending the application identifier of the first default payment application to a collection terminal such that the collection terminal completes the transaction with the payment terminal using the payment application corresponding to the application identifier.

A contactless payment method, applied to a collection terminal, comprising:

• obtaining a payment amount of a transaction;
• receiving application identifiers of at least two default contactless payment applications from a payment terminal, wherein the payment terminal comprises the at least two default contactless payment applications, wherein each default contactless payment application corresponds to one limit interval, and wherein limit intervals corresponding to the at least two default contactless payment applications are consecutive and non-overlapping;
• obtaining an application identifier of a first default payment application according to the application identifiers of the at least two default contactless payment applications, wherein the first default payment application is a default contactless payment application corresponding to a limit interval within which the payment amount falls;
• and
• completing the transaction with the payment terminal using the payment application corresponding to the application identifier.

A payment terminal, comprising at least two default contactless payment applications, wherein each default contactless payment application corresponds to one limit interval, and wherein the payment terminal further comprises:

• a memory storing instructions;
• and
• a processor coupled to the memory, wherein the instructions cause the processor to be configured to:
• obtain a payment amount of a transaction;
• determine, from at least two consecutive and non-overlapping limit intervals corresponding to the at least two default contactless payment applications, a limit interval within which the payment amount falls;
• obtain an application identifier of a first default payment application, wherein the first default payment application is a default contactless payment application corresponding to the limit interval within which the payment amount falls;
• and
• send the application identifier of the first default payment application to a collection terminal such that the collection terminal completes the transaction with the payment terminal using the payment application corresponding to the application identifier.