According to GlobalData’s company profile on China UnionPay, social commerce was a key innovation area identified from patents. China UnionPay's grant share as of June 2023 was 1%. Grant share is based on the ratio of number of grants to total number of patents.

Method for activating payment functions on a terminal device

Source: United States Patent and Trademark Office(USPTO). Credit: China UnionPay Co Ltd

A recently filed patent (Publication Number: US20230196337A1) describes a method for activating payment functions on a terminal device. The method involves receiving a user input and generating a payment function activation request based on that input. The request includes a payment function identifier that indicates the various payment functions to be activated for a target resource card. These payment functions are supported by the terminal device but have not yet been activated for the target resource card. The payment function activation request is then sent to a server, instructing it to activate the indicated payment functions. The server responds with an activation reply message that includes a target payment identifier, which consists of payment identifiers for the target resource card under the activated payment functions.

The method also includes additional steps for generating the payment function activation request. This includes calling a payment function of the target resource card if no payment function has been activated for the card and the calling fails. The method also involves obtaining hardware information of the terminal device and the payment function activation status of the target resource card. Based on this information, the various payment functions that are supported by the terminal device and instructed to be activated for the target resource card are determined. The payment function identifier is generated accordingly, and the payment function activation request is generated based on this identifier.

The patent also describes the inclusion of resource card binding verification information in the payment function activation request. This information is used to verify the binding of the target resource card to a user's account. The activation reply message includes resource card binding result information, indicating whether the binding was successful or unsuccessful.

The method further includes steps for handling user inputs after receiving the activation reply message. This involves calling the activated payment functions synchronously, determining the target payment function based on received payment information, and making a payment using the payment identifier of the target resource card under the target payment function.

The patent also describes a method for activating payment functions on a server. This method involves receiving a payment function activation request from a terminal device, generating a target payment identifier based on the request, and sending an activation reply message to the terminal device.

Overall, this patent describes a method for activating payment functions on a terminal device and a server, allowing for the activation of various payment functions for a target resource card. The method includes steps for generating the necessary requests and identifiers, as well as handling user inputs and verifying resource card binding.

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GlobalData Patent Analytics tracks bibliographic data, legal events data, point in time patent ownerships, and backward and forward citations from global patenting offices. Textual analysis and official patent classifications are used to group patents into key thematic areas and link them to specific companies across the world’s largest industries.