Disclosed are a method for implementing the card simulation application of a near field communication (NFC) mobile terminal and an NFC mobile terminal. The method includes: prestoring fingerprint information about an authorized user of the NFC mobile terminal; acquiring inputted fingerprint information and comparing the inputted fingerprint information with the prestored fingerprint information about the authorized user of the NFC mobile terminal; if the inputted fingerprint information matches the fingerprint information about the authorized user, then allowing to execute a processing operation of the card emulation application of the NFC mobile terminal; and if the inputted fingerprint information fails to match the fingerprint information about the authorized user, then rejecting to execute a processing operation of the card emulation application of the NFC mobile terminal.
