Granted Patent B2

US 12,243,044 · App. 17/921,400 · Granted Mar 4, 2025

Inventors: Zhenzhong Zou (Shanghai, CN); Cheng Peng (Shanghai, CN); Quan Sun (Shanghai, CN); Gang Liu (Shanghai, CN); Ruiming Wang (Shanghai, CN); Yanping Wu (Shanghai, CN); Chengchu Zhan (Shanghai, CN); Hua Cai (Shanghai, CN)

Assignee: CHINA UNIONPAY CO., LTD.

G06Q20/354G06Q20/3276G06Q20/3278G06Q20/4014

Abstract

Claims (75)

1. A method for activating mobile payment functions, applicable to a terminal device, the method comprising:

arousing the terminal device to obtain resource card binding verification information of a target resource card from a user in response to a first input from the user in a case where a screen of the terminal device is turned off or locked during sleeping of the terminal device;

generating a payment function activation request in response to a second input from the user, the payment function activation request comprising a payment function identifier for indicating a plurality of mobile payment functions among available mobile payment functions of the target resource card that are activatable by the terminal device but have not been activated for the target resource card and comprising the resource card binding verification information for verifying a binding of the target resource card to an account of the user;

sending, to a server, the payment function activation request to instruct the server to activate the plurality of mobile payment functions indicated by the payment function identifier; and

receiving an activation reply message sent by the server, the activation reply message comprising a target payment identifier generated by the server according to the payment function identifier, the target payment identifier comprising a plurality of payment identifiers of the target resource card under the plurality of mobile payment functions, and each of the plurality of payment identifiers being an identifier required for payment using a corresponding one of the plurality of mobile payment functions, and the activation reply message further comprising resource card binding result information which is successful binding information or unsuccessful binding information,

calling synchronously a plurality of activated mobile payment functions of the target resource card, wherein the plurality of activated mobile payment functions respectively corresponding to the plurality of payment identifiers indicated in the activation reply messaae, in response to a third input from the user;

determining a target payment function corresponding to received payment information from the plurality of activated mobile payment functions, according to the received payment information; and

paying with a payment identifier of the target resource card under the target payment function.

2. The method according to claim 1 , wherein generating the payment function activation request in response to the first input comprises:

calling a payment function among the available mobile payment functions of the target resource card in response to the first input; and

generating the payment function activation request, under a condition that it is determined that the payment function has not been activated for the target resource card and the calling fails.

3. The method according to claim 1 , wherein generating the payment function activation request comprises:

obtaining hardware information of the terminal device and payment function activation status of the target resource card;

determining mobile payment functions among the available mobile payment functions that are activatable by the terminal device but have not been activated for the target resource card, according to the hardware information of the terminal device and the payment function activation status of the target resource card;

determining the plurality of mobile payment functions, based on the determined payment functions;

generating the payment function identifier according to the plurality of mobile payment functions; and

generating the payment function activation request according to the payment function identifier.

4. The method according to claim 3 , wherein determining the plurality of mobile payment functions based on the determined mobile payment functions comprises:

sending a prompt message comprising the determined mobile payment functions, based on the determined mobile payment functions;

receiving, from the user, a select input for indicating mobile payment functions from the determined mobile payment functions comprised in the prompt message; and

determining the mobile payment functions indicated by the select input as the plurality of mobile payment functions.

5. The method according to claim 3 , wherein

under a condition that the hardware information indicates that the terminal device comprises a near field communication module and a near field communication payment function and a quick response (QR) code payment function have not been activated for the target resource card, the payment function identifier indicates the near field communication payment function and the QR code payment function, and the target payment identifier comprises a payment identifier of the target resource card under the near field communication payment function and a payment identifier of the target resource card under the QR code payment function;

under a condition that the hardware information indicates that the terminal device comprises the near field communication module and the near field communication payment function has been activated for the target resource card and the QR code payment function has not been activated for the target resource card, the payment function identifier indicates the QR code payment function, and the target payment identifier comprises a payment identifier of the target resource card under the QR code payment function;

under a condition that the hardware information indicates that the terminal device comprises the near field communication module and the OR payment function has been activated for the target resource card and the near field communication payment function has not been activated for the target resource card, the payment function identifier indicates the near field communication payment function, and the target payment identifier comprises a payment identifier of the target resource card under the near field communication payment function; or

under a condition that the hardware information indicates that the terminal device does not comprise the near field communication module, and the QR code payment function has not been activated for the target resource card, the payment function identifier indicates the QR code payment function, and the target payment identifier comprises a payment identifier of the target resource card under the QR code payment function.

6. The method according to claim 1 , wherein the second input is a first preset input operation performed by the user on a first preset component of the terminal device.

7. The method according to claim 1 , wherein the third input is a second preset input operation performed by the user on a second preset component of the terminal device.

8. A method for activating mobile payment functions the method comprising:

arousing, by a terminal device, the terminal device to obtain resource card binding verification information of a target resource card from a user in response to a first input from the user in a case where a screen of the terminal device is turned off or locked during sleeping of the terminal device;

generating, by a terminal device, a payment function activation request in response to a second input from the user, the payment function activation request comprising a payment function identifier for indicating a plurality of mobile payment functions among available mobile payment functions of the target resource card that are activatable by the terminal device but have not been activated for the target resource card and comprising the resource card binding verification information for verifying a binding of the target resource card to an account of the user;

sending, by a terminal device to a server, the payment function activation request to instruct the server to activate the plurality of mobile payment functions indicated by the payment function identifier;

receiving, by the server, the payment function activation request sent by a terminal device;

generating, by the server, a target payment identifier corresponding to the plurality of mobile payment functions indicated by the payment function identifier according to the payment function activation request, the target payment identifier comprising payment identifiers of the target resource card under the plurality of mobile payment functions, and each of the payment identifiers being an identifier required for payment using a corresponding one of the plurality of mobile payment functions;

sending, by the server, the resource card binding verification information to a verification server, so that the verification server verifies the resource card binding verification information;

receiving, by the server, a verification result sent by the verification server;

generating, by the server, resource card binding result information according to the verification result;

generating, by the server, based on the target payment identifier and the resource card binding result information, activation reply message; and

sending, by the server, the activation reply message to the terminal device, receiving, by the terminal device, the activation reply message sent by the server,

calling synchronously, by the terminal device, a plurality of activated mobile payment functions of the target resource card, wherein the plurality of activated mobile payment functions respectively corresponding to the plurality of payment identifiers indicated in the activation reply message, in response to a third input from the user;

determining, by the terminal device, a target payment function corresponding to received payment information from the plurality of activated mobile payment functions, according to the received payment information; and

paying, by the terminal device, with a payment identifier of the target resource card under the target payment function.

9. The method according to claim 8 , wherein

under a condition that the terminal device comprises a near field communication module and a near field communication payment function and a quick response (QR) code payment function have not been activated for the target resource card, the payment function identifier is used to indicate the near field communication payment function and the QR code payment function, and the target payment identifier comprises a payment identifier of the target resource card under the near field communication payment function and a payment identifier of the target resource card under the QR code payment function;

under a condition that the terminal device comprises the near field communication module and the near field communication payment function has been activated for the target resource card and the QR code payment function has not been activated for the target resource card, the payment function identifier indicates the QR code payment function, and the target payment identifier comprises a payment identifier of the target resource card under the QR code payment function;

under a condition that the terminal device comprises the near field communication module and the OR payment function has been activated for the target resource card and the near field communication payment function has not been activated for the target resource card, the payment function identifier indicates the near field communication payment function, and the target payment identifier comprises a payment identifier of the target resource card under the near field communication payment function; or

under a condition that the terminal device does not comprise the near field communication module and the QR code payment function has not been activated for the target resource card, the payment function identifier indicates the QR code payment function, and the target payment identifier comprises a payment identifier of the target resource card under the QR code payment function.

10. A terminal device, comprising:

a processor and a memory having computer program instructions stored thereon, wherein the computer program instructions, when executed by the processor, cause the activation of mobile payment functions by:

arousing the terminal device to obtain resource card binding verification information of a target resource card from a user in response to a first input from the user in a case where a screen of the terminal device is turned off or locked during sleeping of the terminal device;

generating a payment function activation request in response to a second input from the user, the payment function activation request comprising a payment function identifier for indicating a plurality of mobile payment functions among available mobile payment functions of the target resource card that are activatable by the terminal device but have not been activated for the target resource card, and comprising the resource card binding verification information for verifying a binding of the target resource card to an account of the user; sending, to a server, the payment function activation request to instruct the server to activate the plurality of mobile payment functions indicated by the payment function identifier; and receiving an activation reply message sent by the server, the activation reply message comprising a target payment identifier generated by the server according to the payment function identifier, the target payment identifier comprising a plurality of payment identifiers of the target resource card under the plurality of mobile payment functions, and each of the plurality of payment identifiers being an identifier required for payment using a corresponding one of the plurality of mobile payment functions, and the activation reply message further comprising resource card binding result information which is successful binding information or unsuccessful binding information;

calling synchronously a plurality of activated mobile payment functions of the target resource card, wherein the plurality of activated mobile payment functions respectively corresponding to the plurality of payment identifiers indicated in the activation reply message, in response to a third input from the user;

determining a target payment function corresponding to received payment information from the plurality of activated mobile payment functions, according to the received payment information; and

paying with a payment identifier of the target resource card under the target payment function.

11. A system, comprising:

a terminal device; and

a server,

wherein the terminal device is configured to:

arouse the terminal device to obtain resource card binding verification information of the target resource card from a user in response to a first input from the user in a case where a screen of the terminal device is turned off or locked during sleeping of the terminal device;

generate a payment function activation request in response to a second input from the user, the payment function activation request comprising a payment function identifier for indicating a plurality of mobile payment functions among available mobile payment functions of the target resource card that are activatable by the terminal device but have not been activated for the target resource card and comprising the resource card binding verification information for verifying a binding of the target resource card to an account of the user;

send, to a server, the payment function activation request to instruct the server to activate the plurality of mobile payment functions indicated by the payment function identifier; and

receive an activation reply message sent by the server, the activation reply message comprising a target payment identifier generated by the server according to the payment function identifier, the target payment identifier comprising a plurality of payment identifiers of the target resource card under the plurality of mobile payment functions, and each of the plurality of payment identifiers being an identifier required for payment using a corresponding one of the plurality of mobile payment functions, and the activation reply message further comprising resource card binding result information which is successful binding information or unsuccessful binding information,

call synchronously a plurality of activated mobile payment functions of the target resource card, wherein the plurality of activated mobile payment functions respectively corresponding to the plurality of payment identifiers indicated in the activation reply message, in response to a third input from the user;

determine a target payment function corresponding to received payment information from the plurality of activated mobile payment functions, according to the received payment information; and

pay with a payment identifier of the target resource card under the target payment function

wherein the server is configured to:

receive the payment function activation request sent by a terminal device;

generate the target payment identifier corresponding to the plurality of mobile payment functions indicated by the payment function identifier, according to the payment function activation request;

send the resource card binding verification information to a verification server, so that the verification server verifies the resource card binding verification information;

receive a verification result sent by the verification server; and

generate the resource card binding result information according to the verification result;

generate, based on the target payment identifier and the resource card binding result information, the activation reply message; and

send the activation reply message to the terminal device.

12. The method according to claim 1 , wherein the payment function identifier comprises a single one identifier which indicting the plurality of mobile payment functions, or the payment function identifier comprises a plurality of identifiers which correspond to the plurality of mobile payment functions one by one.

13. The method according to claim 1 , wherein each of the payment identifiers is a token required for payment using a corresponding one of the plurality of mobile payment functions.

Assignments (1)

Priority Claims (1)

Continuity (1)

References Cited (54)