A method for invoking a radio frequency card function and carried out by a same mobile terminal, wherein the method comprises: sending, by a screen lock application, a feature information monitoring request to a feature information service; monitoring a feature input event, and obtaining feature information of a user from the feature input event obtained through monitoring, wherein the feature information comprises at least one of the following: fingerprint feature information, voiceprint feature information, palmprint feature information, and gesture feature information; returning the obtained feature information of a user to the screen lock application, sending, by the screen lock application, a feature information usage query request to a feature information management module, where the feature information usage query request carries the obtained feature information of a user; determining, by the feature information management module, based on a mapping relationship between the feature information and a radio frequency card type, a target radio frequency card type corresponding to the feature information of the user, wherein the target radio frequency card type corresponds to a plurality of radio frequency cards; sending, by the feature information management module, to the screen lock application, the target radio frequency card type obtained through determining; and invoking a radio frequency card function corresponding to the target radio frequency card type, wherein invoking a radio frequency card function comprises reading radio frequency card information corresponding to the target radio frequency card type, and setting a parameter of a hardware circuit of an RF module based on the radio frequency card information. sending, by a screen lock application, a feature information monitoring request to a feature information service; monitoring a feature input event, and obtaining feature information of a user from the feature input event obtained through monitoring, wherein the feature information comprises at least one of the following: fingerprint feature information, voiceprint feature information, palmprint feature information, and gesture feature information; returning the obtained feature information of a user to the screen lock application, sending, by the screen lock application, a feature information usage query request to a feature information management module, where the feature information usage query request carries the obtained feature information of a user; determining, by the feature information management module, based on a mapping relationship between the feature information and a radio frequency card type, a target radio frequency card type corresponding to the feature information of the user, wherein the target radio frequency card type corresponds to a plurality of radio frequency cards; sending, by the feature information management module, to the screen lock application, the target radio frequency card type obtained through determining; and invoking a radio frequency card function corresponding to the target radio frequency card type, wherein invoking a radio frequency card function comprises reading radio frequency card information corresponding to the target radio frequency card type, and setting a parameter of a hardware circuit of an RF module based on the radio frequency card information.