A terminal installs, according to a type of an HCE application, the HCE application in a terminal environment corresponding to the type of the HCE application. The terminal parses a first identifier of the HCE application and a second identifier included in the HCE application, where the first identifier identifies the HCE application in the terminal, and the second identifier identifies a message flow between a card reading device and the HCE application. The terminal registers routing information of the HCE application with the TEE, where the routing information includes the first identifier, the second identifier, and the terminal environment in which the HCE application is installed. An HCE application with two different security levels, a TEE and an REE, is supported on a terminal.