| 摘要 |
The present invention provides a contactless payment method, device, and system. After a mobile terminal having an NFC function receives, from a reading terminal, a selection command including a financial document application identifier, the mobile terminal returns, if it is determined that a supplementary payment application needs to be executed, a PPSE corresponding to the financial document application identifier to the reading terminal, where the PPSE includes a first application identifier that indicates a bank payment application and a second application identifier that indicates a supplementary payment application, and a priority of the second application identifier is higher than a priority of the first application identifier, so that the reading terminal acquires, according to priorities of payment applications in the PPSE, payment information corresponding to the payment applications from the mobile terminal in sequence to complete payment, thereby improving efficiency of contactless payment. |
| 主权项 |
1. A contactless payment method comprising:
receiving a financial document application identifier from a reading terminal; determining whether a supplementary payment application is to be executed according to the financial document application identifier; returning a proximity payment system environment (PPSE) corresponding to the financial document application identifier to the reading terminal, wherein the PPSE comprises a first application identifier indicating a payment application, a second application identifier indicating a supplementary payment application, a priority of the first application identifier, and a priority of the second application identifier, the priority of the second application identifier being higher than the priority of the first application identifier; receiving the second application identifier from the reading terminal; determining that the second application identifier matches an application identifier of the supplementary payment application; sending supplementary payment information to the reading terminal upon determining that the second application identifier matches the application identifier of the supplementary payment application; receiving the first application identifier from the reading terminal; determining that the first application identifier received from the reading terminal matches an application identifier of the payment application; and sending payment information to the reading terminal upon determining that the first application identifier matches the application identifier of the payment application. |
