Mobile payment method and apparatus

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.

Dependencies are inferred from the claim text.