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    • 3. 发明公开
    • MOBILE PAYMENT METHOD AND APPARATUS
    • EP3451265A1
    • 2019-03-06
    • EP17788579.5
    • 2017-03-24
    • China Unionpay Co., Ltd
    • CHEN, ChengqianZHOU, YuGUO, Wei
    • G06Q20/42G06Q20/32
    • 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.
    • 10. 发明公开
    • APPLICATION MANAGEMENT METHOD FOR TERMINAL, APPLICATION SERVER AND TERMINAL
    • EP3584732A1
    • 2019-12-25
    • EP18893709.8
    • 2018-05-25
    • China Unionpay Co., Ltd.
    • CHEN, ChengqianZHOU, YuGUO, Wei
    • G06F21/51
    • Disclosed in the embodiments of the present invention are an application management method for a terminal, an application server and a terminal. The method comprises: upon receipt of an application download request sent by a terminal, an application server sending the corresponding application installation package to the terminal; then, receiving a first verification message sent by the terminal, the first verification message being generated by the terminal according to the content of the received application installation package; when determining that the first verification message is consistent with a stored second verification message, the application server sending an installation permission message to the terminal, so that the terminal installs the application according to the received application installation package. As the application server determines, according to the first verification message and the second verification message, the validity of the application installation package received by the terminal, it is unnecessary for the terminal to perform signature verification with a certificate, thereby reducing the effort of the terminal in managing certificates and improving application installation efficiency. When the application verification method needs to be upgraded, only the application server, rather than each terminal, needs to be upgraded, thereby improving the time-efficiency of application verification upgrading.