US Patent 11023881 Near field communication NFC-based transaction method and device

This application relates to electronic hardware, and in particular, to a handheld terminal that performs a transaction based on NFC. A first terminal and a second terminal each support multiple transaction manners, negotiate a to-be-used transaction manner by using an NFC connection, and automatically invoke a payment client to initiate a transaction request to a transaction server. The first terminal and the second terminal further sort and screen the multiple transaction manners before negotiation.