US 20190236586A1
`( 19 ) United States
`( 12 ) Patent Application Publication ( 10 ) Pub . No . : US 2019 / 0236586 A1
`( 43 ) Pub . Date :
`Aug . 1 , 2019
`Mei
`
`( 54 ) PAYMENT PROCESSING METHOD AND
`APPARATUS
`( 71 ) Applicant : Huawei Technologies Co . , Ltd . ,
`Shenzhen , Guangdon ( CN )
`
`( 72 ) Inventor : Jingqing Mei , Beijing ( CN )
`
`16 / 320 , 360
`May 26 , 2017
`PCT / CN2017 / 086215
`
`( 21 ) Appl . No . :
`( 22 ) PCT Filed :
`( 86 ) PCT No . :
`$ 371 ( c ) ( 1 ) ,
`Jan . 24 , 2019
`( 2 ) Date :
`Foreign Application Priority Data
`( 30 )
`Feb . 16 , 2017
`( CN ) . . . . . . . . . . . . . . . . . . . . . . 201710084631 . X
`
`Publication Classification
`
`2 )
`
`( 51 ) Int . CI .
`( 2006 . 01 )
`G060 20 / 32
`G06Q 20 / 34
`( 2006 . 01 )
`G060 20 / 40
`( 2006 . 01 )
`U . S . CI .
`CPC . . . . . . . G06Q 20 / 3278 ( 2013 . 01 ) ; G06Q 20 / 401
`( 2013 . 01 ) ; G06Q 20 / 34 ( 2013 . 01 )
`ABSTRACT
`( 57 )
`A payment processing method and apparatus , where the
`payment processing method includes obtaining by a payee
`terminal , transaction information of a payment card appli
`cation , determining , by the payee terminal based on the
`transaction information , that a running environment of the
`payment card application is a mobile terminal device ; and
`sending , by the payee terminal , payment voucher informa
`tion of the payment card application to the mobile terminal
`device using a first communications technology , where the
`first communications technology includes a short range
`communications technology . Hence , a user can conveniently
`manage and view payment voucher information .
`
`Payment card
`application
`
`Payee terminal
`
`S10 : Conduct a transaction based on a
`standard transaction procedure
`
`S11 : Obtain transaction information
`of a payment card application
`
`S12 : Determine , based on the transaction
`information , that a running environment of the
`payment card application is a mobile terminal device
`S13 : Send payment voucher information of the payment
`card application to the mobile terminal device
`
`S14 : Determine , based on the transaction
`information , that a running environment of the
`payment card application is a physical card
`
`S15 : Output selection information
`
`S16 : Obtain a select instruction
`for the selection information
`
`S17 : Process payment voucher information of the
`payment card application based on the select instruction
`
`Petitioner Exhibit 1020-0001
`
`

`

`Patent Application Publication
`
`Aug . 1 , 2019 Sheet 1 of 4
`
`US 2019 / 0236586 A1
`
`Payment card
`application
`
`Payee terminal
`
`S10 : Conduct a transaction based on a
`standard transaction procedure
`
`S11 : Obtain transaction information
`of a payment card application
`
`S12 : Determine , based on the transaction
`information , that a running environment of the
`payment card application is a mobile terminal device
`S13 : Send payment voucher information of the payment
`card application to the mobile terminal device
`
`S14 : Determine , based on the transaction
`information , that a running environment of the
`payment card application is a physical card
`
`S15 : Output selection information
`
`S16 : Obtain a select instruction
`for the selection information
`
`S17 : Process payment voucher information of the
`payment card application based on the select instruction
`
`FIG . 1
`
`Petitioner Exhibit 1020-0002
`
`

`

`Patent Application Publication
`
`Aug . 1 , 2019 Sheet 2 of 4
`
`US 2019 / 0236586 A1
`
`Payment card
`application
`
`Payee terminal
`
`1 . Conduct a transaction based on a transaction
`procedure in the EMVCO / PBOC standard
`
`2 . Perform transaction processing , and
`determine that the transaction succeeds
`
`3 . Determine whether transaction information
`includes at least one type of key information
`4 . If the transaction information includes the
`at least one type of key information ,
`determine that a running environment of a
`payment card application is a mobile terminal
`
`FIG . 2
`
`Payment card
`application
`
`Payee terminal
`
`1 . Select NG - SE
`
`1 . A select NG - SE response , where the response
`includes first indication information
`3 . Conduct a transaction based on a transaction
`procedure in the EMVC / PBOC standard
`
`4 . Perform transaction processing , and
`determine that the transaction succeeds
`5 . Detect that the select NG - SE response includes
`the first indication information , and determine that
`a running environment is a mobile terminal device
`
`FIG . 3
`
`Petitioner Exhibit 1020-0003
`
`

`

`Patent Application Publication
`
`Aug . 1 , 2019 Sheet 3 of 4
`
`US 2019 / 0236586 A1
`
`Payment
`card
`application
`
`Payee
`terminal
`
`Card issuing
`bank server
`
`1 . Conduct a transaction based
`on a transaction procedure in
`the EMVCo / PBOC standard
`
`2 . Obtain an account number PAN
`of a payment card application , and
`perform transaction processing
`
`6 . Determine , based on the
`second indication information ,
`that the running environment
`of the payment card application
`is the mobile terminal
`
`FIG . 4
`
`3 . Send a transaction
`authorization request
`online , where the request
`includes the PAN
`
`4 . Determine , based
`on the PAN , that a
`running environment
`of the payment card
`application is a
`mobile terminal
`5 . A transaction
`authorization indication ,
`where the indication
`includes second
`indication information
`
`Petitioner Exhibit 1020-0004
`
`

`

`Patent Application Publication
`
`Aug . 1 , 2019 Sheet 4 of 4
`
`US 2019 / 0236586 A1
`
`Transaction information
`
`Obtaining
`unit 101
`
`Processing
`unit 102
`
`Sending
`unit 103
`
`FIG . 5
`
`Transceiver
`1001
`
`Processor
`1002
`
`Payment voucher information
`
`Bus system
`1009
`
`Memory
`1003
`
`FIG . 6
`
`Petitioner Exhibit 1020-0005
`
`

`

`US 2019 / 0236586 A1
`
`Aug . 1 , 2019
`
`PAYMENT PROCESSING METHOD AND
`APPARATUS
`TECHNICAL FIELD
`[ 0001 ] The present invention relates to the field of com
`munications technologies , and in particular , to a payment
`processing method and apparatus .
`BACKGROUND
`[ 0002 ] Currently , a card swiping transaction has become a
`very universal form of payment all over the world , each
`merchant is equipped with a payee terminal , for example , a
`point of sale ( Point of Sale , POS ) machine . A user can make
`a payment by inserting a bank card into the POS machine or
`making a bank card close to the POS machine . A specific
`payment process is : The POS machine interacts with an
`application in the bank card , and the POS machine obtains
`transaction information of the bank card , and is connected to
`a bank server to implement payment .
`[ 0003 ] As communications technologies develop , making
`a payment by using a mobile terminal also gradually
`becomes a commonly used payment manner . To be specific ,
`a mobile terminal may be used as a bank card . A specific
`payment process may be : An application of the mobile
`terminal interacts with the POS machine , and the POS
`machine obtains transaction information of a bank card
`added to the application of the mobile terminal , and is
`connected to a bank server to implement payment . Cur
`rently , applications of the mobile terminal that are com
`monly used for payment are Apple Pay , Huawei Pay , and the
`like .
`[ 0004 ] Regardless of whether a bank card or a mobile
`terminal is used for payment , after a payment transaction is
`completed , a POS machine usually prints a bank sales slip
`as a payment voucher of the transaction . For daily purchase ,
`it is relatively complex to keep a paper bank sales slip , and
`a resource waste is also caused because the paper bank sales
`slip is not used in most cases .
`SUMMARY
`[ 0005 ] Embodiments of the present invention provide a
`payment processing method and apparatus , so that a
`resource waste can be avoided , and a user can conveniently
`manage and use the payment voucher information .
`[ 0006 ] According to a first aspect , an embodiment of the
`present invention provides a payment processing method .
`The payment processing method specifically includes : A
`payee terminal obtains transaction information of a payment
`card application . The transaction information may be infor
`mation that is about the payment card application and that is
`obtained based on a transaction procedure of a financial
`integrated circuit ( Integrated Circuit , IC ) card transaction
`standard specified by the EMVCo , the People ' s Bank of
`China ( People ' s Bank of China , PBOC ) , or the like .
`[ 0007 ]
`The payee terminal determines , based on the trans
`action information , that a running environment of the pay
`ment card application is a mobile terminal device , in other
`words , determines that a user makes a payment by using the
`payment card application of the mobile terminal device . The
`payee terminal sends payment voucher information of the
`payment card application to the mobile terminal device by
`using a first communications technology . The first commu -
`nications technology may include a short range communi
`
`cations technology , such as a near field communication
`( Near Field Communication , NFC ) technology , a Bluetooth
`communications technology , or a Wireless Fidelity direct
`( Wi - Fi Direct ) technology .
`[ 0008 ] In a possible design , the payee terminal sends the
`payment voucher information of the payment card applica
`tion to the mobile terminal device based on the NFC
`technology . For example , the payee terminal and the mobile
`terminal use an NFC connection established during trans
`mission of the transaction information , and the payee ter
`minal is used as an NFC card reader , and sends the payment
`voucher information of the payment card application to the
`mobile terminal device . Alternatively , the payee terminal is
`currently disconnected from the mobile terminal device ,
`re - establishes an NFC P2P connection , and sends the pay
`ment voucher information of the payment card application to
`the mobile terminal device . Alternatively , the payee terminal
`is currently disconnected from the mobile terminal device ,
`the payee terminal uses the payment voucher information of
`the payment card application as content of an NFC tag , and
`the payment terminal is used as a card reader to read the
`NFC tag , to obtain the content in the NFC tag .
`[ 0009 ]
`In a possible design , the payee terminal may
`exchange handover information of a target bearer connec
`tion with the mobile terminal device based on the NFC
`technology , and re - establishes the target bearer connection
`between the payee terminal and the mobile terminal device
`based on the handover information . The payee terminal
`sends the payment voucher information of the payment card
`application to the mobile terminal device over the target
`bearer connection . The target bearer connection may be a
`short range communication connection other than NFC .
`[ 0010 ]
`In a possible design , a determining manner in
`which the payee terminal determines , based on the transac
`tion information , that the running environment of the pay
`ment card application is the mobile terminal device may be :
`The payee terminal detects whether the transaction infor
`mation includes at least one type of key information . Types
`of the key information may include : indication information
`used to indicate that the payment card application supports
`a terminal cardholder verification method , indication infor
`mation used to indicate that the payment card application is
`successfully verified by a terminal cardholder , and digital
`information that meets a preset encoding rule and that is
`included in a personal account number of the payment card
`application . The preset encoding rule may be an encoding
`rule exclusive to the personal account number of the pay
`ment card application of the mobile terminal device .
`[ 0011 ]
`If the transaction information includes the at least
`one type of key information , the payee terminal determines
`that the running environment of the payment card applica
`tion is the mobile terminal device .
`[ 0012 ] .
`In
`a possible design , a determining manner in
`which the payee terminal determines , based on the transac
`tion information , that the running environment of the pay
`ment card application is the mobile terminal device may be :
`The payee terminal detects whether the transaction infor
`mation includes first indication information . The first indi
`cation information is used to indicate that the running
`environment of the payment card application is the mobile
`terminal device .
`
`Petitioner Exhibit 1020-0006
`
`

`

`US 2019 / 0236586 A1
`
`Aug . 1 , 2019
`
`If the transaction information includes the first
`[ 0013 ]
`indication information , the payee terminal determines that
`the running environment of the payment card application is
`the mobile terminal device .
`[ 0014 ]
`In a possible design , a determining manner in
`which the payee terminal determines , based on the transac
`tion information , that the running environment of the pay
`ment card application is the mobile terminal device may be :
`The payee terminal obtains an identifier of the payment card
`application from the transaction information ; the payee
`terminal sends the identifier of the payment card application
`to a server ; and the server may determine , based on the
`identifier of the payment card application , whether the
`running environment of the payment card application is the
`mobile terminal device . For example , if the server stores a
`correspondence between an identifier of each payment card
`application and a running environment , the server may
`determine the running environment of the payment card
`application based on the identifier of the payment card
`application .
`[ 0015 ] Optionally , the identifier of the payment card appli
`cation may be the personal account number exchanged
`between the payment card application and the payee termi
`nal . It should be noted that when a bank card is added to the
`payment card application of the mobile terminal device , and
`the personal account number is exchanged between the
`payment card application of the mobile terminal device and
`the payee terminal , the personal account number is no longer
`a personal account number of the bank card , but a temporary
`personal account number that corresponds to the personal
`account number of the bank card and that is allocated by the
`server . The temporary personal account number may be
`updated or replaced . The server stores a correspondence
`between the personal account number of the bank card and
`the temporary personal account number .
`10016 ] . When the server determines , based on the identifier
`of the payment card application , that the running environ
`ment of the payment card application is the mobile terminal
`device , the server returns second indication information to
`the payee terminal , and the payee terminal receives the
`second indication information returned by the server . The
`second indication information is used to indicate that the
`running environment of the payment card application is the
`mobile terminal device .
`[ 0017 ]
`In a possible design , if the payee terminal deter
`mines , based on the transaction information , that the running
`environment of the payment card application is a physical
`card , the payee terminal processes the payment voucher
`information of the payment card application .
`[ 0018 ]
`That the payee terminal processes the payment
`voucher information of the payment card application
`includes :
`[ 0019 ] printing , by the payee terminal , the payment
`voucher information of the payment card application ; and / or
`0020 ] sending , by the payee terminal by using a second
`communications technology , the payment voucher informa
`tion of the payment card application to a receiving account
`bound to the physical card , such as a mailbox or another
`mobile phone application with a capability of receiving the
`payment voucher information , where the second communi
`cations technology includes any one of a cellular commu
`nications technology , a wired communications technology ,
`and a wireless local area network Wi - Fi technology .
`
`A determining manner in which the payee terminal
`[ 0021 ]
`determines , based on the transaction information , that the
`running environment of the payment card application is the
`physical card may be : The transaction information includes
`indication information used to indicate that the running
`environment of the payment card application is the physical
`card ; and / or a personal account number in the transaction
`information does not include digital information that meets
`a preset encoding rule ; and / or the payee terminal uploads an
`identifier of the payment card application in the transaction
`information to a server , the server determines , based on the
`identifier of the payment card application , that the running
`environment of the payment card application is the physical
`card , and the server sends , to the payee terminal , the
`indication information used to indicate that the running
`environment of the payment card application is the physical
`card .
`In a possible design , before the payee terminal
`[ 0022 ]
`processes the payment voucher information of the payment
`card application , the payee terminal outputs selection infor
`mation . The selection information is used to instruct the user
`to select a processing manner of processing the payment
`voucher information of the payment card application .
`[ 0023 ] The payee terminal obtains a select instruction that
`is selected by the user for the selection information , and
`determines the processing manner corresponding to the
`select instruction . For example , if a select instruction indi
`cating that the user selects a paper payment voucher is
`detected , the payee terminal prints the payment voucher
`information of the payment card . If a select instruction
`indicating that the user selects an electronic payment
`voucher is detected , the payee terminal sends , by using the
`second communications technology , the payment voucher
`information of the payment card to the receiving account
`bound to the physical card , such as an email address . If a
`select instruction indicating that the user selects an elec
`tronic payment voucher and a paper payment voucher is
`detected , the payee terminal prints the payment voucher
`information of the payment card , and sends , by using the
`second communications technology , the payment voucher
`information of the payment card to the receiving account
`bound to the physical card .
`10024 ]
`A second aspect of the embodiments of the present
`invention provides a payment processing apparatus , includ
`ing an obtaining unit , a processing unit , and a sending unit .
`The obtaining unit is configured to obtain transaction infor
`mation of a payment card application . The processing unit is
`configured to determine , based on the transaction informa
`tion , that a running environment of the payment card appli
`cation is a mobile terminal device . The sending unit is
`configured to send payment voucher information of the
`payment card application to the mobile terminal device by
`using a first communications technology . The first commu
`nications technology includes a short range communications
`technology .
`10025 ] .
`A third aspect of the embodiments of the present
`invention provides a payment processing apparatus , includ
`ing a transceiver , a processor , and a memory . The payment
`processing apparatus is a specific structure that carries the
`function modules in the second aspect .
`[ 0026 ] The memory is configured to store a computer
`program instruction .
`
`Petitioner Exhibit 1020-0007
`
`

`

`US 2019 / 0236586 A1
`
`Aug . 1 , 2019
`
`[ 0027 ] The processor is coupled to the memory , and is
`configured to : read the computer program instruction stored
`in the memory , and perform the method provided in the first
`aspect .
`[ 0028 ]
`A fourth aspect of the embodiments of the present
`invention provides a program storage medium . When a
`program stored in the program storage medium is executed ,
`the method provided in the first aspect may be implemented .
`[ 0029 ] .
`In the embodiments of the present invention , dur
`ing transaction processing between the payee terminal and
`the payment card application , the payee terminal obtains the
`transaction information of the payment card application . The
`payee terminal further determines , based on the transaction
`information , that the running environment of the payment
`card application is the mobile terminal device . The payee
`terminal sends the payment voucher information of the
`payment card application to the mobile terminal device by
`using the short range communications technology . In this
`manner , when it is determined that the running environment
`of the payment card application is the mobile terminal
`device , it indicates that the user takes the mobile terminal
`device along . The payee terminal sends the payment voucher
`information of the payment card application to the mobile
`terminal device by default , so that the user conveniently
`manages and views the payment voucher information . In
`addition , a manner of sending the payment voucher infor
`mation to the mobile terminal device by using the short
`range communications technology does not need to depend
`on network coverage , and has a wide application range .
`
`BRIEF DESCRIPTION OF DRAWINGS
`To describe the technical solutions in the embodi
`10030 ]
`ments of the present invention or in the background more
`clearly , the following describes the accompanying drawings
`required for describing the embodiments of the present
`invention or the background .
`[ 0031 ] FIG . 1 is an interaction flowchart of a payment
`processing method according to an embodiment of the
`present invention ;
`[ 0032 ]
`FIG . 2 is an interaction diagram of determining a
`running environment of a payment card application accord
`ing to an embodiment of the present invention ;
`[ 0033 ]
`FIG . 3 is another interaction diagram of determin
`ing a running environment of a payment card application
`according to an embodiment of the present invention ;
`[ 0034 ] FIG . 4 is still another interaction diagram of deter
`mining a running environment of a payment card application
`according to an embodiment of the present invention ;
`[ 0035 ] FIG . 5 is a schematic structural diagram of a payee
`terminal according to an embodiment of the present inven
`tion ; and
`[ 0036 ] FIG . 6 is a schematic structural diagram of another
`payee terminal according to an embodiment of the present
`invention .
`DESCRIPTION OF EMBODIMENTS
`The following describes the embodiments of the
`[ 0037 ]
`present invention with reference to the accompanying draw
`ings in the embodiments of the present invention .
`[ 0038 ]
`A payment card application in the embodiments of
`the present invention may run on a mobile terminal . Alter
`natively , the payment card application may run in a physical
`card , and the physical card may be a bank card ( such as a
`
`debit card or a credit card ) . When the payment card appli
`cation runs on the mobile terminal , the payment card appli
`cation stores transaction information of a bank card , and
`may independently exchange the transaction information
`with a payment terminal without network access , so as to
`complete payment . For example , the payment card applica
`tion running on the mobile terminal includes Apple Pay ,
`Huawei Pay , or the like .
`[ 0039 ] Referring to FIG . 1 , FIG . 1 is an interaction flow
`chart of a payment processing method according to an
`embodiment of the present invention . As shown in FIG . 1 ,
`procedure interaction in this embodiment of the present
`invention includes but is not limited to the following steps .
`f0040 ] S10 : A payment card application conducts a trans
`action based on a standard transaction procedure .
`10041 ] S11 : A payee terminal obtains transaction informa
`tion of the payment card application .
`[ 0042 ] The payee terminal determines , based on the trans
`action information , that a running environment of the pay
`ment card application is a mobile terminal device or a
`physical card . If the payee terminal determines that the
`running environment of the payment card application is the
`mobile terminal device , step S12 and step S13 are per
`formed . If the payee terminal determines that the running
`environment of the payment card application is the physical
`card , step S14 to step S17 are performed .
`[ 0043 ] S12 : The payee terminal determines , based on the
`transaction information , that a running environment of the
`payment card application is a mobile terminal device .
`100441 S13 : The payee terminal sends payment voucher
`information of the payment card application to the mobile
`terminal device
`0045
`S14 : The payee terminal determines , based on the
`transaction information , that a running environment of the
`payment card application is a physical card .
`10046 ) S15 : The payee terminal outputs selection infor
`mation , where the selection information is used to instruct a
`user to select a processing manner of processing payment
`voucher information of the payment card application .
`100471 S16 : The payee terminal obtains a select instruction
`for the selection information , and determines the processing
`manner corresponding to the select instruction .
`[ 0048 ] S17 : Process the payment voucher information of
`the payment card application based on the select instruction .
`[ 0049 ]
`In an embodiment , a transaction is conducted
`between the payment card application and the payee termi
`nal based on a transaction procedure in the EMVCo standard
`or the PBOC standard . Optionally , the payee terminal may
`be a POS machine . For example , the payee terminal ( POS
`machine ) sends an instruction to a payment end card appli
`cation ( the running environment of the payment card appli
`cation may be the physical card or the mobile terminal
`device ) , and obtains the transaction information fed back by
`the payment card application . Specifically , optionally , a
`payment terminal sends a select instruction , a read record
`instruction ,
`a get processing options ( Get Processing
`Options , GPO ) instruction , or the like according to the
`EMVCo standard or the PBOC standard , and the payment
`card application returns the transaction information to the
`payee terminal .
`10050 )
`Optionally , the transaction information includes at
`least a personal account number ( Personal Account Number ,
`PAN ) of the payment card application , and may further
`include a cardholder verification method list ( Cardholder
`
`Petitioner Exhibit 1020-0008
`
`

`

`US 2019 / 0236586 A1
`
`Aug . 1 , 2019
`
`Verification Method List , CVM List ) and / or card verification
`results ( Card Verification Results , CVR ) . The payee terminal
`performs transaction payment processing based on the trans
`action information . After determining that a transaction is
`successfully processed , the payee terminal needs to process
`the payment voucher information of the payment card
`application . For example , currently in the industry , the
`payment voucher information is usually printed . This man
`ner wastes resources and is inconvenient to manage . This
`embodiment of the present invention provides a payment
`processing method , so that running environments of the
`payment card application may be distinguished , and differ
`ent processing manners are used when the payment card
`application is
`in different running environments . For
`example , when the running environment of the payment
`card application is the mobile terminal device , it indicates
`that electronic payment voucher information may be sent to
`the mobile terminal , so that the user conveniently manages
`and views the electronic payment voucher information by
`using the mobile terminal . For another example , when the
`running environment of the payment card application is the
`physical card , the user may select a manner of processing the
`payment voucher information . If the user takes a mobile
`phone along , electronic payment voucher information may
`be sent to a mailbox bound by the user . Alternatively , if the
`user does not take a mobile phone along , paper electronic
`payment voucher information may be printed . In this way ,
`the user conveniently gets post - sales processing in time .
`[ 0051 ] Specifically , optionally , a determining manner in
`which the payee terminal determines , based on the transac
`tion information , that the running environment of the pay
`ment card application is the mobile terminal device may
`include but is not limited to the following three optional
`implementations .
`[ 0052 ]
`In a first optional implementation , referring to FIG .
`2 , the determining manner , in this implementation , of deter
`mining that the running environment of the payment card
`application is the mobile terminal device includes but is not
`limited to the following four steps :
`[ 0053 ]
`1 . The payment card application conducts a trans
`action based on the transaction procedure in the EMVCO
`standard or the PBOC standard .
`[ 0054 ]
`2 . The payee terminal performs transaction pro
`cessing , and determines that the transaction succeeds .
`[ 0055 ]
`3 . The payee terminal detects whether the transac
`tion information includes at least one type of key informa
`tion , where types of the key information include : indication
`information used to indicate that the payment card applica
`tion supports a terminal cardholder verification method ,
`indication information used to indicate that the payment card
`application is successfully verified by a terminal cardholder ,
`and digital information that meets a preset encoding rule and
`that is included in a personal account number PAN of the
`payment card application .
`[ 0056 ]
`4 . If the transaction information includes the at
`least one type of key information , the payee terminal deter
`mines that the running environment of the payment card
`application is the mobile terminal device .
`00571 Optionally , the terminal cardholder verification
`method is a cardholder identity verification method appli
`cable only to a terminal , and a cardholder identity verifica
`tion method that is not applicable to a physical card . For
`example , a cardholder identity verification method based on
`fingerprint recognition is a terminal cardholder verification
`
`method , and the cardholder identity verification method
`based on fingerprint recognition is not applicable to a
`physical card . A cardholder identity verification method
`based on password entering is not a cardholder identity
`verification method applicable only to a terminal , because a
`physical card is also applicable to the cardholder verification
`method .
`[ 0058 ] Specifically , optionally , the payee terminal obtains
`the cardholder verification method list CVM List , and deter
`mines whether the cardholder verification method list
`includes a consumer device cardholder verification method
`( Consumer Device Cardholder Verification Method , CD
`CVM ) option . The CD - CVM option is indication informa
`tion used to indicate that the payment card application
`supports the terminal cardholder verification method . If the
`CVM list includes the CD - CVM option , it is determined that
`the running environment of the payment card application is
`the mobile terminal device . If the CVM list does not include
`the CD - CVM option , the running environment of the pay
`ment card application cannot be determined .
`[ 0059 ]
`A verification result corresponding to that the pay
`ment card application supports the terminal cardholder veri
`fication method may be used to indicate whether the pay
`ment card application is successfully verified by using the
`terminal cardholder verification method . For example , a
`cardholder is verified by using a fingerprint recognition
`method . If the payment card application is successfully
`verified by using the cardholder verification method based
`on fingerprint recognition , the transaction information may
`include indication information used to indicate that the
`payment card application is successfully verified by the
`terminal cardholder .
`[ 0060 ] Specifically , optionally , the payee terminal deter
`mines whether the transaction information obtained from the
`payment terminal includes CVR data . The CVR data is
`indication information used to indicate that the payment card
`application is successfully verified by the terminal card
`holder . If the transaction information includes the CVR data ,
`it is determined that the running environment of the payment
`card applic