US 12,243,044 B2
Method, terminal device, server, system and storage medium for activating payment functions
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); and Hua Cai, Shanghai (CN)
Assigned to CHINA UNIONPAY CO., LTD., Shanghai (CN)
Appl. No. 17/921,400
Filed by CHINA UNIONPAY CO., LTD., Shanghai (CN)
PCT Filed Sep. 10, 2021, PCT No. PCT/CN2021/117637
§ 371(c)(1), (2) Date Oct. 26, 2022,
PCT Pub. No. WO2022/134660, PCT Pub. Date Jun. 30, 2022.
Claims priority of application No. 202011535702.1 (CN), filed on Dec. 23, 2020.
Prior Publication US 2023/0196337 A1, Jun. 22, 2023
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01)
CPC G06Q 20/354 (2013.01) [G06Q 20/3276 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/4014 (2013.01)] 13 Claims
OG exemplary drawing
 
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.