# US 2019/0318340 A1 · Mobile payment method and apparatus

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- Number: US 2019/0318340 A1
- Document ID: US20190318340A1
- Status: Published application
- Kind: A1
- Application number: 16/096,779
- Filed: 2017-03-24
- Published: 2019-10-17
- Earliest claimed: 2017-03-24
- Assignees: China Uniopay Co., Ltd.
- Applicants: China Unionpay Co., Ltd.
- Inventors: Chengqian CHEN; Yu ZHOU; Wei GUO
- Web page: https://patentgrep.com/patent/US20190318340A1

## CPC

- G06Q 20/3227: {using secure elements embedded in M-devices}
- G06Q 20/3278: {RFID or NFC payments by means of M-devices}
- G06Q 20/40145: {Biometric identity checks}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## 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.

## Claims

### 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.

### Claim 2 (depends on 1)

The method according to claim 1, wherein the fingerprint verification process is executed before it is determined that the designated non-contact application supports the fingerprint verification mode.

### Claim 3 (depends on 1)

The method according to claim 1, wherein the fingerprint verification process is executed after it is determined that the designated non-contact application supports the fingerprint verification mode.

### Claim 4 (depends on 1)

The method according to claim 1, wherein the mobile payment terminal determines whether the designated non-contact application supports the fingerprint verification mode by accessing an application registry, and the application registry saves fingerprint identification information associated with the non-contact application residing in the mobile payment terminal, the fingerprint identification information comprising an identifier indicating whether the non-contact application supports the fingerprint verification mode and a status flag indicating whether the fingerprint verification is passed when the fingerprint verification mode is supported.

### Claim 5 (depends on 4)

The method according to claim 4, wherein the step of determining by the mobile payment terminal whether the fingerprint verification is passed comprises:
a) reading the status flag;
b) if the status flag is a first set value, determining that the designated non-contact application has passed the fingerprint verification, and if the status flag is a second set value, determining that the designated non-contact application has not passed the fingerprint verification;
c) if the status flag is a third set value, executing a fingerprint verification process and repeating steps a) and b), wherein in the process of executing fingerprint verification, if the fingerprint verification is passed, the status flag is set at the first set value, otherwise it is set at the second set value; and
d) resetting the status flag at a third set value after the status flag has been set at the first set value or the second set value for a preset period of time.

### Claim 6

A mobile payment terminal, comprising:
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.

### Claim 7 (depends on 6)

The mobile payment terminal according to claim 6, wherein the mobile payment terminal is a mobile phone.

### Claim 8 (depends on 6)

The mobile payment terminal according to claim 6, wherein the embedded security element further comprises an application registry that can be accessed by the fingerprint triggering module, wherein the application registry saves fingerprint identification information associated with the non-contact application residing in the mobile payment terminal, the fingerprint identification information comprising an identifier indicating whether the non-contact application supports the fingerprint verification mode and a status flag indicating whether the fingerprint verification is passed when the fingerprint verification mode is supported.

### Claim 9 (depends on 8)

The mobile payment terminal according to claim 8, wherein the embedded security element further comprises a fingerprint identification processing module which is configured to update the status flag in the application registry based on a result of fingerprint verification of the fingerprint verification unit.

### Claim 10 (depends on 8)

The mobile payment terminal according to claim 8, wherein the fingerprint triggering module is configured to determine whether the fingerprint verification is passed in the following manner:
a) reading the status flag;
b) if the status flag is a first set value, determining that the designated non-contact application has passed the fingerprint verification, and if the status flag is a second set value, determining that the designated non-contact application has not passed the fingerprint verification;
c) if the status flag is a third set value, executing a fingerprint verification process and repeating steps a) and b), wherein in the process of executing fingerprint verification, if the fingerprint verification is passed, the status flag is set at the first set value by the fingerprint identification processing module, otherwise it is set at the second set value by the fingerprint identification processing module; and
d) resetting the status flag at a third set value by the fingerprint identification processing module after the status flag has been set at the first set value or the second set value for a preset period of time.

### Claim 11 (depends on 6)

The mobile payment terminal according to claim 6, wherein the designated non-contact application runs in the embedded security element.