A communications system, comprising an NFC card reader and an electronic device having an NFC function, wherein the NFC card reader is configured to: send third query information after detecting an NFC radio frequency field of the electronic device, wherein the third query information carries first identification information and service type information of an emulation card supported by the NFC card reader; characterized in that the electronic device is configured to: after receiving the third query information, determine whether a first emulation card corresponding to the first identification information exists; when determining that the first emulation card exists, determine whether a second emulation card corresponding to the service type information exists; and send fourth response information when determining that the second emulation card exists, wherein the fourth response information carries second identification information of the second emulation card, wherein the NFC card reader is further configured to: send card selection instruction information after receiving the fourth response information, wherein the card selection instruction information carries the second identification information; and the electronic device is further configured to send card selection response information after receiving the card selection instruction information. send third query information after detecting an NFC radio frequency field of the electronic device, wherein the third query information carries first identification information and service type information of an emulation card supported by the NFC card reader; characterized in that the electronic device is configured to: after receiving the third query information, determine whether a first emulation card corresponding to the first identification information exists; when determining that the first emulation card exists, determine whether a second emulation card corresponding to the service type information exists; and send fourth response information when determining that the second emulation card exists, wherein the fourth response information carries second identification information of the second emulation card, wherein the NFC card reader is further configured to: send card selection instruction information after receiving the fourth response information, wherein the card selection instruction information carries the second identification information; and the electronic device is further configured to send card selection response information after receiving the card selection instruction information. after receiving the third query information, determine whether a first emulation card corresponding to the first identification information exists; when determining that the first emulation card exists, determine whether a second emulation card corresponding to the service type information exists; and send fourth response information when determining that the second emulation card exists, wherein the fourth response information carries second identification information of the second emulation card, wherein the NFC card reader is further configured to: send card selection instruction information after receiving the fourth response information, wherein the card selection instruction information carries the second identification information; and the electronic device is further configured to send card selection response information after receiving the card selection instruction information.