CN115018483B - Application processing method, terminal device and storage medium - Google Patents

Abstract

An embodiment of the present application provides an application processing method, a terminal device, and a storage medium. The method is applied to a terminal device. The method includes: receiving a card selection instruction sent by a payment collection device, and the card selection instruction is used to indicate at least one card application According to the application identification list, if the card application corresponding to the application identification indicated by the card selection instruction is determined, it is determined that the terminal device supports the card application indicated by the card selection instruction; if it is determined that the application identification indicated by the card selection instruction If the corresponding card application is not the current default payment application, it is determined that the payment method needs to be replaced; according to the card application corresponding to the application identifier indicated by the card selection instruction, a card application to be traded is determined to complete the transaction processing. The terminal device automatically determines the card application that needs to be traded, and the user does not need to manually modify the card application that needs to be traded to the default payment application in the terminal device, which speeds up the transaction process between the terminal device and the payment collection device.

Description

Application processing method, terminal device and storage medium

technical field

The present application relates to the technical field of terminals, and in particular to an application processing method, a terminal device and a storage medium.

Background technique

At present, with the development of terminal technology, multiple payment applications can be set in the terminal device. Users can use the payment application in the terminal device to complete the transaction process.

In the prior art, since multiple payment applications can be installed in the terminal device, if there is a mismatch between the payment collection device and the default payment application of the terminal device, the user needs to manually reset the default payment application in the terminal device, and then the The transaction process between the terminal device and the payment collection device can be completed.

However, if there is a mismatch between the payment collection device and the default payment application of the terminal device, the user needs to manually reset the default payment application in the terminal device, which will delay the transaction process between the terminal device and the payment collection device, causing user experience poor.

Contents of the invention

The embodiments of the present application provide an application processing method, a terminal device, and a storage medium, which do not require the user to manually reset the default payment application in the terminal device, and facilitate the terminal device to complete the payment transaction process.

In the first aspect, the embodiment of the present application provides an application processing method, the method is applied to a terminal device, and the method includes:

Receive the card selection instruction sent by the payment collection device, wherein the card selection instruction is used to indicate the application identification of N card applications, N is a positive integer greater than or equal to 1, and determine the card selection instruction indicated by the preset application identification list according to the preset application identification list. The card application corresponding to the application identifier; wherein, the application identifier list is used to indicate the corresponding relationship between the application identifier and the card application; if it is determined that the card application corresponding to the application identifier indicated by the card selection instruction is not the current default of the terminal device The payment application determines the card application to be traded according to the card application corresponding to the application identifier indicated by the card selection instruction, and performs transaction processing according to the card application to be traded.

In this way, the terminal device receives the card selection instruction sent by the payment collection device, and the card selection instruction is used to indicate the application identification; thus the terminal device can determine the card application corresponding to the application identification indicated by the card selection instruction according to the application identification list; the terminal device When determining the card application corresponding to the application identifier indicated by the card selection instruction, it is determined that the terminal device supports the card application corresponding to the application identifier indicated by the card selection instruction; then, if the terminal device determines the application identifier indicated by the card selection instruction The corresponding card application is not the current default payment application, and the terminal device needs to change the payment method. The terminal device determines a card application to be traded according to the card application corresponding to the application identifier indicated by the card selection instruction, and according to the card application to be traded card application for transaction processing. The terminal device automatically determines the card application that needs to be traded, without the need for the user to manually modify the card application that needs to be traded to the default payment application in the terminal device, which speeds up the transaction process between the terminal device and the payment collection device, and improves user experience.

In a possible implementation, if N is 1, determining the card application to be traded according to the card application corresponding to the application identifier indicated by the card selection instruction includes: determining the card application corresponding to the application identifier indicated by the card selection instruction The card application is the card application to be traded.

In this way, the card selection instruction indicates the application identifier of a card application. If the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not the current default payment application, the terminal device needs to change the payment method. The card application corresponding to the application identifier indicated by the card instruction determines a card application to be traded, and performs transaction processing according to the card application to be traded. The terminal device automatically determines the card application that needs to be traded, without the need for the user to manually modify the card application that needs to be traded to the default payment application in the terminal device, which speeds up the transaction process between the terminal device and the payment collection device, and improves user experience.

In a possible implementation, if N is greater than or equal to 1, determining the card application to be traded according to the card application corresponding to the application identifier indicated by the card selection instruction includes: determining the application identifier indicated by the card selection instruction Any one of the corresponding card applications is the card application to be traded.

In this way, if the card selection instruction indicates multiple card application application identifiers, if the terminal device determines that each card application corresponding to each application identifier indicated by the card selection instruction is not the current default payment application, the terminal device needs to To replace the payment method, the terminal device determines a card application to be traded from each card application corresponding to each application identifier indicated by the card selection instruction; a card application to be traded can be determined by random selection, Furthermore, the terminal device automatically determines the card application that needs to be traded, without the need for the user to manually modify the card application that needs to be traded to the default payment application in the terminal device, which speeds up the transaction process between the terminal device and the payment collection device, and improves user experience.

In a possible implementation, if N is greater than or equal to 1, determining the card application to be traded according to the card application corresponding to the application identifier indicated by the card selection instruction includes: The priority of the corresponding card application determines the card application to be traded from the card applications corresponding to the application identifier indicated by the card selection instruction.

In this way, if the card selection instruction indicates multiple card application application identifiers, if the terminal device determines that each card application corresponding to each application identifier indicated by the card selection instruction is not the current default payment application, the terminal device needs to To replace the payment method, the terminal device determines a card application to be traded from each card application corresponding to each application identifier indicated by the card selection instruction; it can determine a card application to be traded according to the priority of the card application Card application, and then the terminal device automatically determines the card application that needs to be traded, without the need for the user to manually modify the card application that needs to be traded to the default payment application in the terminal device, which speeds up the transaction between the terminal device and the payment collection device process, improving the user experience.

In a possible implementation manner, the card selection instruction is also used to indicate the priority of the card application; or, the priority is stored by the terminal device.

In this way, if the card selection instruction indicates the application identifications of multiple card applications, and each card application corresponding to each application identification indicated by the card selection instruction is not the current default payment application, then the card selection instruction can indicate The priority of the card application, and then determine a card application to be traded according to the priority of the card application, and then the terminal device automatically determines the card application that needs to be traded. Alternatively, if the card selection instruction indicates the application identifications of multiple card applications, and each card application corresponding to each application identification indicated by the card selection instruction is not the current default payment application, then the stored The priority of the card application determines a card application to be traded, and then the terminal device automatically determines the card application to be traded. Furthermore, the terminal device automatically determines the card application that needs to be traded, without the need for the user to manually modify the card application that needs to be traded to the default payment application in the terminal device, which speeds up the transaction process between the terminal device and the payment collection device, and improves user experience.

In a possible implementation, if N is greater than or equal to 1, determining the card application to be traded according to the card application corresponding to the application identifier indicated by the card selection instruction includes: displaying the card application indicated by the application identifier indicated by the card selection instruction. Corresponding card application; in response to the trigger operation, determine that the card application indicated by the trigger operation is the card application to be traded.

In this way, if the card selection instruction indicates the application identifications of multiple card applications, and each card application corresponding to each application identification indicated by the card selection instruction is not the current default payment application, the terminal device will use the card selection instruction The indicated card applications are all displayed to the user, and the user selects a card application as the card application to be traded. Through human-computer interaction, a card application to be traded is determined from multiple card applications, without the need for the user to manually modify the card application to be traded to the default payment application in the terminal device, which speeds up the connection between the terminal device and the collection The transaction process between devices improves user experience.

In a possible implementation, after determining the card application to be traded according to the card application corresponding to the application identifier indicated by the card selection instruction, it further includes: setting the card application to be traded as the default payment of the terminal device application.

In this way, if the terminal device determines that the card application corresponding to the application identifier indicated by the card selection instruction is not the current default payment application, after determining the card application to be traded, the card application to be traded can be set as the default payment application, thereby The terminal device automatically modifies the default payment application, eliminating the need for the user to manually replace the default payment application, which speeds up the transaction process between the terminal device and the payment collection device. And it is convenient for the terminal equipment and the payment collection equipment to carry out other subsequent transaction processing processes.

In a possible implementation, after determining the card application to be traded according to the card application corresponding to the application identifier indicated by the card selection instruction, it further includes: setting the current default payment application of the terminal device on the first page It is a non-selected state, wherein the first page is used to display each card application supported by the terminal device; the card application to be traded is set to the selected state on the first page, wherein the selected state indicates that the card application to be traded is a terminal device The default payments app for .

In this way, after the terminal device sets the card application to be traded as the default payment application, it can also modify the settings of the default payment application in the setting list of the terminal device. In this implementation, on the first page of the terminal device, the card application to be traded is set as the default payment application, wherein the first page is used to display all card applications supported by the terminal device, and the card applications here are payment card application. Furthermore, it is ensured that in the setting function of the terminal device, the card application to be traded is set as the default payment application of the terminal device, which further ensures that the terminal device can perform current transactions based on the card application to be traded, and facilitates the terminal device to be based on the card application to be traded. The card application to carry out subsequent other transactions. Moreover, it is convenient for the user to check the default payment application of the terminal device later.

In a possible implementation, after determining the card application to be traded according to the card application corresponding to the application identifier indicated by the card selection instruction, it further includes: if the current default payment application of the terminal device and the card to be traded If the applications are all card applications of the first category, the current default payment application of the terminal device is set to be unselected on the second page; wherein, the second page is used to display the card applications of the first category supported by the terminal device; The first category indicates that the card application is a currency transaction card application; the card application to be traded is set to a selected state on the second page; wherein the selected state indicates that the card application to be traded is a default payment application of the terminal device.

In this way, after the terminal device sets the card application to be traded as the default payment application, it can also modify the settings of the default payment application in the setting list of the terminal device. In this implementation, the second page of the terminal device is used to display the first category of card applications supported by the terminal device, the third page of the terminal device is used to display the second category of card applications supported by the terminal device, and the first category The card applications of the first category and the second category of card applications are payment applications; however, the first category of card applications is a card application for currency transactions, and the second category of card applications is a card application for non-currency transactions. If the current default payment application of the terminal device and the card application to be traded are both card applications of the first category, then on the second page of the terminal device, the card application to be traded is set as the default payment application to further ensure that the terminal The device can perform the current transaction based on the card application to be traded, and it is convenient for the terminal device to perform other subsequent transactions based on the card application to be traded. Moreover, it is convenient for the user to check the default payment application of the terminal device later.

In a possible implementation manner, after determining the card application to be traded according to the card application corresponding to the application identifier indicated by the card selection instruction, it further includes: if the current default payment application of the terminal device is the first category card application, and the card application to be traded is a card application of the second category, then the current default payment application of the terminal device is set to be unselected on the second page; wherein, the second page is used to display the payment status supported by the terminal device The card application of the first category; the first category indicates that the card application is a card application for currency transactions, and the second category indicates that the card application is a card application for non-currency transactions; set the card application to be traded as the selected state on the third page; where , the third page is used to display the card application of the second category supported by the terminal device, and the selected state indicates that the card application to be traded is the default payment application of the terminal device.

In this way, after the terminal device sets the card application to be traded as the default payment application, it can also modify the settings of the default payment application in the setting list of the terminal device. In this implementation, the second page of the terminal device is used to display the first category of card applications supported by the terminal device, the third page of the terminal device is used to display the second category of card applications supported by the terminal device, and the first category The card applications of the first category and the second category of card applications are payment applications; however, the first category of card applications is a card application for currency transactions, and the second category of card applications is a card application for non-currency transactions. If the current default payment application of the terminal device is a card application of the first category, and the card application to be traded is a card application of the second category, then set the current default payment application of the terminal device as unselected on the second page , on the third page, set the card application to be traded as the default payment application, to further ensure that the terminal device can conduct the current transaction based on the card application to be traded, and facilitate the terminal device to perform subsequent other transactions based on the card application to be traded trade. Moreover, it is convenient for the user to check the default payment application of the terminal device later.

In a possible implementation manner, after determining the card application to be traded according to the card application corresponding to the application identifier indicated by the card selection instruction, it further includes: if the current default payment application of the terminal device is the second category card application, and the card application to be traded is a card application of the first category, then set the current default payment application of the terminal device as unselected on the third page; wherein, the third page is used to display the The card application of the second category; the first category indicates that the card application is a card application for currency transactions, and the second category indicates that the card application is a card application for non-currency transactions; the card application to be traded is set to the selected state on the second page; wherein, The second page is used to display the card applications of the first category supported by the terminal device, and the selected state indicates that the card application to be traded is the default payment application of the terminal device.

In this way, after the terminal device sets the card application to be traded as the default payment application, it can also modify the settings of the default payment application in the setting list of the terminal device. In this implementation, the second page of the terminal device is used to display the first category of card applications supported by the terminal device, the third page of the terminal device is used to display the second category of card applications supported by the terminal device, and the first category The card applications of the first category and the second category of card applications are payment applications; however, the first category of card applications is a card application for currency transactions, and the second category of card applications is a card application for non-currency transactions. If the current default payment application of the terminal device is a card application of the second category, and the card application to be traded is a card application of the first category, then set the current default payment application of the terminal device as unselected on the third page , set the card application to be traded as the default payment application on the second page, to further ensure that the terminal device can conduct the current transaction based on the card application to be traded, and facilitate the terminal device to perform subsequent other transactions based on the card application to be traded trade. Moreover, it is convenient for the user to check the default payment application of the terminal device later.

In a possible implementation, after determining the card application to be traded according to the card application corresponding to the application identifier indicated by the card selection instruction, it further includes: if the current default payment application of the terminal device and the card to be traded If all the applications are card applications of the second category, set the current default payment application of the terminal device to be unselected on the third page; where the third page is used to display the card applications of the second category supported by the terminal device; The second category indicates that the card application is a card application for non-monetary transactions; on the third page, set the card application to be traded as a selected state; where the selected state represents that the card application to be traded is the default payment application of the terminal device.

In this way, after the terminal device sets the card application to be traded as the default payment application, it can also modify the settings of the default payment application in the setting list of the terminal device. In this implementation, the second page of the terminal device is used to display the first category of card applications supported by the terminal device, the third page of the terminal device is used to display the second category of card applications supported by the terminal device, and the first category The card applications of the first category and the second category of card applications are payment applications; however, the first category of card applications is a card application for currency transactions, and the second category of card applications is a card application for non-currency transactions. If the current default payment application of the terminal device and the card application to be traded are both card applications of the second category, cancel the selected small yellow icon of the current default payment application of the terminal device on the third page, and Setting the card application to be traded as the default payment application further ensures that the terminal device can perform current transactions based on the card application to be traded, and facilitates the terminal device to perform other subsequent transactions based on the card application to be traded. Moreover, it is convenient for the user to check the default payment application of the terminal device later.

In a possible implementation, the method further includes: if it is determined that the card application corresponding to the application identifier indicated by the card selection instruction has the current default payment application of the terminal device, then determining the current default payment application of the terminal device, It is the card application to be traded; according to the card application to be traded, the transaction processing is performed.

In this way, the terminal device receives the card selection instruction sent by the payment collection device, and the card selection instruction is used to indicate the application identification; thus the terminal device can determine the card application corresponding to the application identification indicated by the card selection instruction according to the application identification list; the terminal device When determining the card application corresponding to the application identifier indicated by the card selection instruction, it is determined that the terminal device supports the card application corresponding to the application identifier indicated by the card selection instruction; then, if the terminal device determines the application identifier indicated by the card selection instruction If there is a current default payment application in the corresponding card application, the card application will be called directly for subsequent transaction processing, and the current default payment application can be called through the application identification of the card selection command, which can quickly complete the card application call.

In a possible implementation, it also includes: if the card application corresponding to the application identifier indicated by the card selection instruction is not determined according to the application identifier list, generating prompt information; wherein, the prompt information indicates that the terminal device does not support card selection The card application corresponding to the application identification indicated by the instruction; sending the prompt information to the payment collection device.

In this way, the terminal device receives the card selection instruction sent by the payment collection device, and the card selection instruction is used to indicate the application identification; thus the terminal device can determine the card application corresponding to the application identification indicated by the card selection instruction according to the application identification list; the terminal device If according to the application identification list, it is determined that the card application corresponding to the application identification indicated by the card selection instruction does not exist in the application identification list, the terminal device determines that the card application corresponding to the application identification indicated by the card selection instruction is not a payment application, and the terminal The device determines that the terminal device does not support the card application corresponding to the application identifier indicated by the card selection instruction. Further, a prompt is sent to the payment collection device, so as to prompt that the terminal device does not support the card application selected by the payment collection device.

In a possible implementation manner, after generating the prompt information, the method further includes: displaying the prompt information.

In this way, a prompt is sent to the payment collection device to remind the user that the terminal device does not support the card application selected by the payment collection device and cannot complete the current transaction.

In a possible implementation manner, displaying the prompt information includes one or more of the following: displaying the prompt information on the fourth page; playing the prompt information by voice; and vibrating the prompt information.

In this way, prompts are sent to the user in various ways to remind the user that the terminal device does not support the card application selected by the payment collection device and cannot complete the current transaction.

In a possible implementation manner, before performing transaction processing according to the card application to be traded, the method further includes: displaying an interface of the card application to be traded.

In this way, after the terminal device determines the card application to be traded, it can display an interface for prompting the user which card application the current card application to be traded is.

In a possible implementation manner, an interface of a card application to be traded is displayed, including:

The interface of the card application to be traded is displayed on the fifth page, wherein the fifth page is used to display the current card application to be traded in the terminal device. Alternatively, the interface of the card application to be traded is displayed on the sixth page, wherein the sixth page is used to display the current card application to be traded in the terminal device, and the sixth page is also used to display the cards supported by the terminal device Application; the card application to be transacted is located at the top of the sixth page.

In this way, only the interface of the card application to be traded can be displayed, and then the user is prompted which card application the current card application to be traded is. Alternatively, each card application supported by the terminal device is displayed, wherein "the card applications supported by the terminal device" includes the current card application to be traded, and then the user is prompted which card application the current card application to be traded is, And the user is prompted with each card application supported by the terminal device.

In a possible implementation manner, before performing transaction processing according to the card application to be traded, the method further includes: sending a selection confirmation result to the payment collection device, wherein the selection confirmation result is used to represent the card application to be traded.

In this way, after the terminal device determines the card application to be traded, it can also send a selection confirmation result to the payment collection device, and then inform the payment collection device that the terminal device supports the card application corresponding to the application identifier indicated by the card selection instruction. If the card selection instruction indicates multiple application identifiers, the selection confirmation result may also indicate the application identifier of the card application to be traded.

In a possible implementation manner, performing transaction processing according to the card application to be traded includes: receiving a transaction instruction sent by the payment collection device, wherein the transaction instruction is used to instruct transaction processing; Perform transaction processing and generate transaction result information; wherein, the transaction result information indicates whether the transaction is successful or not; and send the transaction result information to the payment collection device.

In this way, the terminal device first receives the card selection instruction, which is used to indicate the application identification; after the terminal device determines the card application to be traded according to the card selection instruction, it receives the transaction instruction sent by the payment collection device, and then completes the transaction process. This ensures smooth transaction processing.

In a possible implementation, the card selection instruction is also used to instruct transaction processing; perform transaction processing according to the card application to be traded, including: perform transaction processing on the card application to be traded according to the card selection instruction, and generate a transaction result information; wherein, the transaction result information represents whether the transaction is successful; and the transaction result information is sent to the payment collection device.

In this way, the terminal device first receives the card selection instruction, the card selection instruction is used to indicate the application identification, and the card selection instruction is also used to instruct the transaction processing; and then the terminal device can directly determine the card application to be traded according to the card selection instruction. The card selection instruction completes the transaction processing process. The signaling between the terminal device and the payment collection device is saved.

In a possible implementation manner, receiving the card selection instruction sent by the payment collection device includes: receiving the transaction instruction sent by the payment collection device and the card selection instruction for indicating the application identification, wherein the transaction instruction is used to instruct transaction processing . Perform transaction processing according to the card application to be traded, including: perform transaction processing on the card application to be traded according to the transaction instruction, and generate transaction result information; wherein, the transaction result information indicates whether the transaction is successful; and send the transaction result information to the payment collection device.

In this way, the terminal device first receives the card selection instruction and the transaction instruction, and the card selection instruction is used to indicate the application identification; and then the terminal device can directly complete the transaction process according to the transaction instruction after determining the card application to be traded according to the card selection instruction. The signaling between the terminal device and the payment collection device is saved.

In a possible implementation manner, after the transaction result information is generated, further include: displaying the transaction result information.

In this way, the terminal device indicates to the user whether the transaction was successful or not.

In a possible implementation manner, displaying the transaction result information includes: displaying the transaction result information on a seventh page, the seventh page is used to display the transaction result information and the card application to be traded; wherein, the transaction result information and the pending transaction The interface of the card application is displayed side by side, or the transaction result information is displayed on the interface of the card application to be transacted.

In this way, the interface of the transaction result information and the card application to be transacted is displayed at the same time, and the user is prompted which card application the transaction result information belongs to.

In a possible implementation, it also includes: if it is determined that the card application corresponding to the application identifier indicated by the card selection instruction is not the current default payment application of the terminal device, then performing transaction processing according to the card application to be traded Before, activate the card application to be transacted.

In this way, when the card application corresponding to the application identifier indicated by the card selection instruction is not the current default payment application of the terminal device, the terminal device needs to select one of the card applications corresponding to the application identifier indicated by the card selection instruction. The card application is used as the current default payment application of the terminal device to complete subsequent transactions, and the terminal device needs to activate the card application before the transaction. Ensure the smooth progress of subsequent transaction processing.

In a second aspect, the embodiment of the present application provides an application processing apparatus. The application processing apparatus may be a terminal device, or may be a chip or a chip system in the terminal device. The application processing device may include a display unit and a processing unit; or, the application processing device may include a receiving unit, a display unit, and a processing unit. When the application processing device is a terminal device, the display unit here may be a display screen. The display unit is configured to perform the step of displaying, so that the terminal device implements the application processing apparatus described in the first aspect or any possible implementation manner of the first aspect. When the application processing apparatus is a terminal device, the processing unit may be a processor. The application processing device may further include a storage unit, which may be a memory. The storage unit is used to store instructions, and the processing unit executes the instructions stored in the storage unit, so that the terminal device implements the application processing apparatus described in the first aspect or any possible implementation manner of the first aspect. When the application processing device is a chip or a chip system in the terminal device, the processing unit may be a processor. The processing unit executes the instructions stored in the storage unit, so that the terminal device implements the application processing apparatus described in the first aspect or any possible implementation manner of the first aspect. The storage unit may be a storage unit in the chip (for example, a register, a cache, etc.), or a storage unit in the terminal device outside the chip (for example, a read-only memory, a random access memory, etc.).

In a third aspect, an embodiment of the present application provides a terminal device, including: a unit configured to execute any method in the first aspect or any possible implementation manner of the first aspect.

In a fourth aspect, an embodiment of the present application provides a terminal device, including: a display unit, a processor, and an interface circuit; wherein, the interface circuit is used to communicate with other devices; the display unit is used to perform the steps of displaying; the processor is used to run code Instructions or computer programs to execute the method in any possible implementation manner of the first aspect.

In a possible implementation manner, the terminal device further includes: a memory; the memory is used to store code instructions or computer programs.

In the fifth aspect, the embodiment of the present application provides a computer-readable storage medium, in which a computer program or instruction is stored, and when the computer program or instruction is run on the computer, the computer executes any one of the first aspect. A method performed by a terminal device described in a possible implementation manner.

In the sixth aspect, the embodiment of the present application provides a computer program product including a computer program, which, when the computer program is run on the computer, causes the computer to execute the method performed by the terminal device described in any possible implementation manner of the first aspect .

It should be understood that, the second aspect to the sixth aspect of the present application correspond to the technical solution of the first aspect of the present application, and the beneficial effects obtained by each aspect and the corresponding feasible implementation manners are similar, so details are not repeated here.

Description of drawings

FIG. 1 shows a schematic diagram of a scenario to which the application processing method of the embodiment of the present application is applicable;

FIG. 2 shows a schematic structural diagram of a terminal device 100;

FIG. 3 is a software structural block diagram of a terminal device 100 according to an embodiment of the present application;

FIG. 4 is a signaling diagram of an application processing method provided by an embodiment of the present application;

FIG. 5 is a schematic interface diagram 1 of an application processing method provided in an embodiment of the present application;

FIG. 6 is a schematic interface diagram II of an application processing method provided in the embodiment of the present application;

FIG. 7 is a third schematic interface diagram of an application processing method provided by the embodiment of the present application;

Fig. 8 is a schematic interface diagram 4 of an application processing method provided in the embodiment of the present application;

FIG. 9 is a schematic diagram of an interface five of an application processing method provided by an embodiment of the present application;

FIG. 10 is a schematic interface diagram VI of an application processing method provided in the embodiment of the present application;

Fig. 11 is a schematic interface diagram VII of an application processing method provided in the embodiment of the present application;

Fig. 12 is a schematic interface eighth of an application processing method provided in the embodiment of the present application;

Fig. 13 is a schematic interface diagram 9 of an application processing method provided in the embodiment of the present application;

FIG. 14 is a schematic interface diagram ten of an application processing method provided in the embodiment of the present application;

Fig. 15 is an eleventh schematic interface diagram of an application processing method provided by the embodiment of the present application;

FIG. 16 is a schematic interface diagram twelve of an application processing method provided in the embodiment of the present application;

Fig. 17 is a schematic interface diagram thirteen of an application processing method provided by the embodiment of the present application;

FIG. 18 is a fourteenth schematic interface diagram of an application processing method provided by the embodiment of the present application;

FIG. 19 is a signaling diagram of another application processing method provided by the embodiment of the present application;

Fig. 20 is a schematic interface diagram 1 of another application processing method provided by the embodiment of the present application;

Fig. 21 is a second schematic interface diagram of another application processing method provided by the embodiment of the present application;

Fig. 22 is a third schematic interface diagram of another application processing method provided by the embodiment of the present application;

Fig. 23 is a schematic interface diagram 4 of another application processing method provided by the embodiment of the present application;

FIG. 24 is a signaling diagram of another application processing method provided by the embodiment of the present application;

Fig. 25 is a schematic interface diagram of another application processing method provided by the embodiment of the present application;

FIG. 26 is a signaling diagram of another application processing method provided by the embodiment of the present application;

FIG. 27 is a signaling diagram of another application processing method provided by the embodiment of the present application;

FIG. 28 is a signaling diagram of another application processing method provided by the embodiment of the present application;

FIG. 29 is a signaling diagram of yet another application processing method provided by the embodiment of the present application;

Fig. 30 is a schematic interface diagram of yet another application processing method provided by the embodiment of the present application;

FIG. 31 is a signaling diagram of yet another application processing method provided by the embodiment of the present application;

Fig. 32 is another signaling diagram of an application processing method provided by the embodiment of the present application;

FIG. 33 is a signaling diagram of yet another application processing method provided by the embodiment of the present application;

FIG. 34 is a signaling diagram of still another application processing method provided by the embodiment of the present application;

FIG. 35 is a signaling diagram of another application processing method provided by the embodiment of the present application;

Fig. 36 is a flowchart of another application processing method provided by the embodiment of the present application;

FIG. 37 is a schematic structural diagram of a chip provided by an embodiment of the present application;

FIG. 38 is a schematic structural diagram of a terminal device provided by an embodiment of the present application.

Detailed ways

In the embodiments of the present application, words such as "first" and "second" are used to distinguish the same or similar items with basically the same function and effect. For example, the first chip and the second chip are only used to distinguish different chips, and their sequence is not limited. Those skilled in the art can understand that words such as "first" and "second" do not limit the quantity and execution order, and words such as "first" and "second" do not necessarily limit the difference.

It should be noted that, in the embodiments of the present application, words such as "exemplary" or "for example" are used as examples, illustrations or descriptions. Any embodiment or design described herein as "exemplary" or "for example" is not to be construed as preferred or advantageous over other embodiments or designs. Rather, the use of words such as "exemplary" or "such as" is intended to present related concepts in a concrete manner.

In the embodiments of the present application, "at least one" means one or more, and "multiple" means two or more. "And/or" describes the association relationship of associated objects, indicating that there may be three types of relationships, for example, A and/or B, which can mean: A exists alone, A and B exist at the same time, and B exists alone, where A, B can be singular or plural. The character "/" generally indicates that the contextual objects are an "or" relationship. "At least one of the following" or similar expressions refer to any combination of these items, including any combination of single or plural items. For example, at least one item (piece) of a, b, or c can represent: a, b, c, a-b, a--c, b-c, or a-b-c, where a, b, c can be single or is multiple.

Terminal equipment has become an indispensable tool in people's life. Multiple payment applications can be set up in the terminal. For example, the application of setting bank cards of different banks in the terminal device. Then the user can use the payment application in the terminal device to complete the transaction process.

Moreover, in order to facilitate the user to use the payment application, the terminal device can set a payment application as the default payment application, and then each time the terminal device performs a payment transaction, the terminal device can call the default payment application to complete the transaction process.

However, in the above process, since the terminal device can be configured with multiple payment applications, and the terminal device sets one of the multiple payment applications as the default payment application; if the default payment application of the terminal device does not match the payment collection device, Then the user needs to manually reset the default payment application in the terminal device, and then the transaction process between the terminal device and the payment collection device can be completed. Causes delays in the transaction process and reduces user experience.

In view of this, the application processing method, terminal device, and storage medium provided in the embodiment of the present application, wherein, the method can automatically set a default payment application, which facilitates the rapid completion of the payment transaction process between the terminal device and the payment collection device, and improves user experience. .

Fig. 1 shows a schematic diagram of a scenario to which the application processing method according to the embodiment of the present application is applicable. As shown in FIG. 1 , a payment transaction process can be completed between the terminal device 100 and the payment collection device 200 .

The terminal device 100 may also be called a terminal (terminal), a user equipment (user equipment, UE), a mobile station (mobile station, MS), a mobile terminal (mobile terminal, MT) and so on. The terminal device can be a mobile phone, a smart TV, a wearable device, a tablet computer (Pad), a computer with a wireless transceiver function, a virtual reality (virtual reality, VR) terminal device, an augmented reality (augmented reality, AR) terminal Equipment, wireless terminals in industrial control, wireless terminals in self-driving, wireless terminals in remote medical surgery, wireless terminals in smart grid, transportation Wireless terminals in transportation safety, wireless terminals in smart city, wireless terminals in smart home, etc. The embodiment of the present application does not limit the specific technology and specific device form adopted by the terminal device.

The payment collection device 200 may be a POS (Point of sales) machine, or other payment transaction machines that can implement the solution of this embodiment. The embodiment of the present application does not limit the specific technology and specific equipment form adopted by the cash collection equipment.

Multiple payment applications may be set in the terminal device 100; for example, multiple different payment applications may be installed in the terminal device 100, or data of multiple different payment applications may be deployed in the terminal device 100. Payment applications, including but not limited to: bank cards, digital RMB cards, access control cards, transportation cards. Multiple other applications can be set in the terminal device 100 .

The terminal device 100 has a function of displaying an interface.

In order to better understand the embodiment of the present application, the following introduces the structure of the terminal device in the embodiment of the present application:

FIG. 2 shows a schematic structural diagram of a terminal device 100 . The terminal device 100 may include a processor 110, an external memory interface 120, an internal memory 121, a universal serial bus (universal serial bus, USB) interface 130, a charging management module 140, a power management module 141, a battery 142, an antenna 1, and an antenna 2 , mobile communication module 150, wireless communication module 160, audio module 170, speaker 170A, receiver 170B, microphone 170C, earphone jack 170D, sensor module 180, button 190, motor 191, indicator 192, camera 193, display screen 194, user An identification module (subscriber identification module, SIM) card interface 195, an embedded security module (embedded secure element, eSE) chip 196, and the like. The sensor module 180 may include a pressure sensor 180A, a gyroscope sensor 180B, an air pressure sensor 180C, a magnetic sensor 180D, an acceleration sensor 180E, a distance sensor 180F, a proximity light sensor 180G, a fingerprint sensor 180H, a temperature sensor 180J, a touch sensor 180K, an ambient light sensor 180L, bone conduction sensor 180M, etc.

It can be understood that, the structure illustrated in the embodiment of the present application does not constitute a specific limitation on the terminal device 100 . In other embodiments of the present application, the terminal device 100 may include more or fewer components than shown in the figure, or combine certain components, or separate certain components, or arrange different components. The illustrated components can be realized in hardware, software or a combination of software and hardware.

The processor 110 may include one or more processing units, for example: the processor 110 may include an application processor (application processor, AP), a modem processor, a graphics processing unit (graphics processing unit, GPU), an image signal processor ( image signal processor (ISP), controller, video codec, digital signal processor (digital signal processor, DSP), baseband processor, and/or neural network processor (neural-network processing unit, NPU), etc. Wherein, different processing units may be independent devices, or may be integrated in one or more processors.

The controller can generate an operation control signal according to the instruction opcode and timing signal, and complete the control of fetching and executing the instruction.

A memory may also be provided in the processor 110 for storing instructions and data. In some embodiments, the memory in processor 110 is a cache memory. The memory may hold instructions or data that the processor 110 has just used or recycled. If the processor 110 needs to use the instruction or data again, it can be recalled from the memory. Repeated access is avoided, and the waiting time of the processor 110 is reduced, thereby improving the efficiency of the system.

In some embodiments, processor 110 may include one or more interfaces. The interface may include an integrated circuit (inter-integrated circuit, I2C) interface, an integrated circuit built-in audio (inter-integrated circuitsound, I2S) interface, a pulse code modulation (pulse code modulation, PCM) interface, a universal asynchronous receiver/transmitter (universal asynchronous receiver/ transmitter, UART) interface, mobile industry processor interface (mobile industry processor interface, MIPI), general-purpose input/output (general-purpose input/output, GPIO) interface, subscriber identity module (subscriber identity module, SIM) interface, and/or general-purpose A serial bus (universal serial bus, USB) interface, etc.

The terminal device 100 receives the signal sent by the payment collection device, field strength information, and so on.

It can be understood that the interface connection relationship between the modules shown in the embodiment of the present application is a schematic description, and does not constitute a structural limitation of the terminal device 100 . In other embodiments of the present application, the terminal device 100 may also adopt different interface connection modes in the foregoing embodiments, or a combination of multiple interface connection modes.

The terminal device 100 implements a display function through a GPU, a display screen 194, an application processor, and the like. The GPU is a microprocessor for image processing, and is connected to the display screen 194 and the application processor. GPUs are used to perform mathematical and geometric calculations for graphics rendering. Processor 110 may include one or more GPUs that execute program instructions to generate or change display information.

The display screen 194 is used to display images, videos and the like. The display screen 194 includes a display panel. The display panel may be a liquid crystal display (LCD), an organic light-emitting diode (OLED), an active-matrix organic light-emitting diode or an active-matrix organic light-emitting diode (active-matrix organic light emitting diode). AMOLED), flexible light-emitting diode (flex light-emitting diode, FLED), Miniled, MicroLed, Micro-oLed, quantum dot light-emitting diodes (quantum dotlight emitting diodes, QLED), etc. In some embodiments, the terminal device 100 may include 1 or N display screens 194, where N is a positive integer greater than 1.

The software system of the terminal device 100 may adopt a layered architecture, an event-driven architecture, a micro-kernel architecture, a micro-service architecture, or a cloud architecture, and the like. In this embodiment of the present application, an Android system with a layered architecture is taken as an example to illustrate the software structure of the terminal device 100 .

FIG. 3 is a block diagram of a software structure of a terminal device 100 according to an embodiment of the present application.

The layered architecture divides the software into several layers, and each layer has a clear role and division of labor. Layers communicate through software interfaces. In some embodiments, the Android system is divided into four layers, which are, from top to bottom, the application program layer, the application program framework layer, the Android runtime (Android runtime) and the system library, and the kernel layer.

The application layer can consist of a series of application packages.

As shown in FIG. 3, the application package may include application programs such as camera, calendar, phone, map, phone, music, setting, mailbox, video, and social networking.

As shown in Figure 3, the application framework layer can include window managers, content providers, resource managers, view systems, notification managers, etc.

A window manager is used to manage window programs. The window manager can obtain the size of the display screen, determine whether there is a status bar, lock the screen, touch the screen, drag the screen, capture the screen, etc.

The view system includes visual controls, such as controls for displaying text, controls for displaying pictures, and so on. The view system can be used to build applications. A display interface can consist of one or more views. For example, a display interface including a text message notification icon may include a view for displaying text and a view for displaying pictures.

The notification manager enables the application to display notification information in the status bar, which can be used to convey notification-type messages, and can automatically disappear after a short stay without user interaction. For example, the notification manager is used to notify the download completion, message reminder, etc. The notification manager can also be a notification that appears on the top status bar of the system in the form of a chart or scroll bar text, such as a notification of an application running in the background, or a notification that appears on the screen in the form of a dialog window. For example, a text message is displayed in the status bar, a prompt sound is issued, the terminal device vibrates, and the indicator light flashes, etc.

A system library can include multiple function modules. For example: surface manager (surface manager), media library (Media Libraries), 3D graphics processing library (eg: OpenGL ES), 2D graphics engine (eg: SGL), etc.

The surface manager is used to manage the display subsystem and provides the fusion of 2D and 3D layers for multiple applications.

The media library supports playback and recording of various commonly used audio and video formats, as well as still image files, etc. The media library can support a variety of audio and video encoding formats, such as: MPEG4, H.264, MP3, AAC, AMR, JPG, PNG, etc.

The 3D graphics processing library is used to implement 3D graphics drawing, image rendering, compositing, and layer processing, etc.

2D graphics engine is a drawing engine for 2D drawing.

The kernel layer is the layer between hardware and software. The kernel layer includes at least a display driver, a camera driver, an audio driver, and a sensor driver.

The operation process of the application processing provided by the embodiment of the present application and the display process of the interface during the application processing process will be described in detail below with reference to the accompanying drawings. It should be noted that "at the time" in the embodiments of the present application may refer to the instant when a certain situation occurs, or within a period of time after a certain situation occurs, and this embodiment of the present application does not make specific limited.

FIG. 4 is a signaling diagram of an application processing method provided by an embodiment of the present application. As shown in Figure 4, methods can include:

S401. The terminal device receives a card selection instruction sent by the payment collection device, where the card selection instruction is used to indicate an application identifier (AID).

Exemplarily, when the terminal device is close to the payment collection device and needs to complete the transaction, the payment collection device will send field strength information, and the field strength information is a card selection instruction; the card selection instruction sent by the payment collection device contains the AID of the card application , or, the card selection instruction issued by the payment collection device represents the AID of the card application. In this embodiment, the card selection instruction received by the terminal device indicates an AID of a card application.

S402. The terminal device determines the card application corresponding to the AID indicated by the card selection instruction according to the AID list, wherein the AID list is used to indicate the correspondence between the AID and the card application.

Exemplarily, an AID list has been pre-stored in the terminal device. The AID list includes at least one AID of the card application, and then the AID list indicates the correspondence between the AID and the card application; or, the AID list includes the correspondence between each AID and each card application. Moreover, the card applications indicated by the AID list are all payment applications. Payment applications include: bank cards, digital RMB cards, transportation cards, access control cards, and cards corresponding to car keys.

For example, Table 1 is a list of AIDs. As shown in Table 1, when the AID is xxx1, the indicated card application is card application a; when the AID is xxx2, the indicated card application is card application b; when the AID is xxx3 , the indicated card application is card application c; when the AID is xxx4, the indicated card application is card application d; when the AID is xxx5, the indicated card application is card application e; when the AID is xxx6, the indicated card application The application is a card application f.

Table 1 AID list

AID card application xxx1 card application a xxx2 card application b xxx3 card application c xxx4 card application d xxx5 card app e xxx6 card application f xxx7 card app g xxx8 card application h

The AID list may also include specific categories of each card application, and the specific categories are: bank cards, digital RMB cards, transportation cards, and access control cards.

For example, Table 2 is a list of AIDs. As shown in Table 2, when the AID is xxx1, the indicated card application is card application a, and card application a is a bank card; when the AID is xxx2, the indicated card application is card Application b, card application b is a bank card; when AID is xxx3, the indicated card application is card application c, and card application c is a digital RMB card; when AID is xxx4, the indicated card application is card application d, card application d is the access control card; when the AID is xxx5, the indicated card application is the card application e, and the card application e is the access control card; when the AID is xxx6, the indicated card application is the card application f, and the card application f is the transportation card.

Table 2 AID list

AID card application specific category xxx1 card application a Bank card xxx2 card application b Bank card xxx3 card application c Digital RMB Card xxx4 card application d Access Card xxx5 card app e Access Card xxx6 card application f Traffic card

In an example, the cloud server may send the AID list to the terminal device, and then the terminal device receives and stores the AID list. For example, the cloud server is an application management server of the terminal device.

At this time, the cloud server may update the AID list, and then send the updated AID list to the terminal device. For example, the cloud server automatically updates the AID list, and sends the updated AID list to the terminal device. For another example, the terminal device sends update information to the cloud server, and the update information is used to indicate the AID and card application to be deleted; the cloud server modifies the AID list corresponding to the terminal device according to the update information, and updates the AID and card applications indicated by the update information. The card application is deleted from the AID list corresponding to the terminal device to obtain an updated AID list; the cloud server sends the updated AID list to the terminal device. For another example, the terminal device sends update information to the cloud server, and the update information is used to indicate the AID and card application to be added; the cloud server modifies the AID list corresponding to the terminal device according to the update information, and updates the AID and card applications indicated by the update information. The card application is added to the AID list corresponding to the terminal device to obtain an updated AID list; the cloud server sends the updated AID list to the terminal device.

In another example, the AID list is generated for the terminal device. When the terminal device installs the application program of the card application, it can store the AID of the card application in the eSE chip of the terminal device; and when the terminal device uses the small program of the card application, it can store the AID of the card application in the eSE chip of the terminal device chip; thus, the terminal device can read each AID in the eSE chip, and generate an AID list according to each AID. Or, when the terminal device installs the application program of the card application, it can obtain the AID of the card application, and then store the corresponding relationship between the AID and the card application; and when the terminal device uses the applet of the card application, it can also obtain the card The AID of the application, and then store the corresponding relationship between the AID and the card application; thus, the terminal device can generate an AID list.

At this time, the terminal device can automatically update the AID list; the terminal device can update the AID list according to the usage of the card application. For example, when the terminal device downloads the application program of the card application, it may acquire the AID of the card application, add the AID of the card application to the AID list, and then update the AID list. For another example, when using the applet of the card application, the terminal device may acquire the AID of the card application, add the AID of the card application to the AID list, and then update the AID list. For another example, when the terminal device uninstalls the application program of the card application, it deletes the AID of the card application from the AID list, and then updates the AID list. For another example, if the terminal device does not use a certain card application within a preset period of time, it determines to delete the AID of the card application from the AID list, and then updates the AID list.

After the terminal device receives the card selection instruction, the terminal device determines the card application corresponding to the AID indicated by the card selection instruction according to the AID list.

For example, if the card selection instruction indicates that the AID is xxx1, then the terminal device can determine that the card application is card application a according to Table 1; if the card selection instruction indicates that the AID is xxx2, then the terminal device can determine that the card application is card application according to Table 1 b.

In the step, the card applications corresponding to the AIDs stored in the AID list are all card applications supported by the terminal device. Thus, if the terminal device can determine the card application corresponding to the AID indicated by the card selection instruction if the AID list is available, it indicates that the terminal device supports the card application corresponding to the AID indicated by the card selection instruction; If there is no card application corresponding to the AID indicated by the card selection instruction in the AID list, it indicates that the terminal device does not support the card application corresponding to the AID indicated by the card selection instruction.

S403. If the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not the current default payment application, activate the card application corresponding to the AID indicated by the card selection instruction.

Exemplarily, in step S402, the terminal device can determine the card application corresponding to the AID indicated by the card selection instruction according to the AID list of the terminal device, which means that the terminal device supports the card corresponding to the AID indicated by the card selection instruction. application. The terminal device needs to determine whether the card application corresponding to the AID indicated by the card selection instruction is the current default payment application of the terminal device.

In an example, the terminal device may call the AID of the current default payment application of the terminal device, and compare the AID indicated by the card selection instruction with the AID of the current default payment application of the terminal device; if it is determined that the two are consistent , the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application; if it is determined that the two are inconsistent, the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not the current default payment application payment application.

In another example, what is stored in Table 1 is the corresponding relationship between the name of the AID and the card application, and then the terminal device can determine the name of the card application of the AID indicated by the card selection instruction; the terminal device calls the current default payment application. name, and then the terminal device compares the name of the card application of the AID indicated by the card selection instruction with the name of the current default payment application; if the two are determined to be consistent, the terminal device determines the name of the AID indicated by the card selection instruction The corresponding card application is the current default payment application; if it is determined that the two are inconsistent, the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not the current default payment application.

Using the above method, if the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not the current default payment application, the terminal device determines that the current default payment application of the terminal device cannot be used for the payment transaction process; in order to complete this transaction In the process, the terminal device needs to automatically activate the card application corresponding to the AID indicated by the card selection instruction, so that the card application is in the transaction state.

S404. If the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not the current default payment application, set the card application corresponding to the AID indicated by the card selection instruction as the default payment application.

Exemplarily, the terminal device adopts the method in step S403. If it is determined that the card application corresponding to the AID indicated by the card selection instruction is not the current default payment application, the terminal device determines that the current default payment application of the terminal device cannot be used for payment transactions. process. At this time, the terminal device sets the card application corresponding to the AID indicated by the card selection instruction as the default payment application of the terminal device, thereby automatically modifying the default payment application.

For example, the terminal device receives a card selection instruction, and the card selection instruction indicates that an AID is xxx2; the terminal device determines that the card application corresponding to xxx2 is card application b, and then determines that the terminal device supports card application b; the terminal device's current The default payment application is card application a, and the terminal device determines that card application b is not the current default payment application of the terminal device, then the terminal device sets the default payment application as card application b, and activates card application b in a transaction state.

After the terminal device has modified the default payment application, the terminal device will automatically modify the selected item of the "default payment application" in the list of "default payment applications" of the terminal device.

When the terminal device automatically modifies the selected item of "default payment application", the following methods can be adopted.

For the first method, refer to the introduction of Figure 5 and Figure 6.

Fig. 5 is an interface schematic diagram 1 of an application processing method provided by the embodiment of the present application. As shown in Fig. 5, the terminal device displays the first interface, which includes a "settings" list, and the "settings" list provides multiple Set options, for example, set option 1, set option 2, set option 3, more links, set option 5, set option 6, set option 7. After receiving a trigger instruction to trigger "more links" in the first interface, the terminal device displays a second interface, the second interface includes a "more links" list, and the "more links" list provides multiple link options, for example, Link Option 1, NFC, Link Option 2, Link Option 3. After receiving a trigger instruction to trigger "NFC" in the second interface, the terminal device displays a third interface, the third interface includes an "NFC" list, and the "NFC" list provides multiple options, for example, NFC, default payment application. After receiving the trigger command to trigger the "default payment application" in the third interface, the terminal device displays the fourth interface, the fourth interface includes a "default payment application" list, and the "default payment application" list provides multiple payment applications; "default The card applications in the payment application" list can be bank cards, digital RMB cards, access control cards, and transportation cards; for example, the "default payment application" list includes card application a, card application b, card application c, card application d, card application Application e and card application f, wherein card application a and card application b are both bank cards, card application c is a digital RMB card, card application d and card application e are both access control cards, and card application f is a transportation card.

Wherein, the first interface may correspond to the interface of (a) in Figure 5; the second interface may correspond to the interface of (b) in Figure 5; the third interface may correspond to the interface of (c) in Figure 5; The fourth interface may correspond to the interface of (d) in FIG. 5 . Wherein, the interface of (d) in FIG. 5 is the "first page", that is, the fourth interface is the "first page".

Figure 6 is a schematic diagram of the interface of an application processing method provided by the embodiment of the present application II. As shown in Figure 6, the default payment application of the terminal device is card application a, as shown in the interface of (a) in Figure 6, the card Application a is in the selected state, and other card applications are in the unselected state; after the terminal device receives the card selection instruction, the AID indicated by the card selection instruction is xxx2; the terminal device determines that the card application corresponding to xxx2 is card application b, and then Determine that the terminal device supports card application b; the current default payment application of the terminal device is card application a, and then the terminal device determines that card application b is not the current default payment application of the terminal device, then the terminal device sets the default payment application as card application b , and the activated card application b is in the transaction state; the terminal device automatically modifies the default payment application in the interface of (a) in Figure 6 to card application b, as shown in the interface of (b) in Figure 6, the card application b is In the selected state, other card applications are in the non-selected state, and then the card application b is set as the default payment application of the terminal device.

In this embodiment, the interface jumping process shown in FIG. 6 does not need to be actively displayed to the user during the process of the terminal device automatically adjusting the default payment application. Wherein, Figure (a) and Figure (b) of Figure 6 are both "first page".

For the second method, refer to the introduction of Figure 7-Figure 9.

Fig. 7 is a third interface schematic diagram of an application processing method provided by the embodiment of the present application. As shown in Fig. 7, the terminal device displays the fifth interface, which includes a "settings" list, and the "settings" list provides multiple Set options, for example, set option 1, set option 2, set option 3, more links, set option 5, set option 6, set option 7. In the fifth interface, a trigger command to trigger "more links" is received, and the terminal device displays a sixth interface, the sixth interface includes a "more links" list, and the "more links" list provides multiple link options, for example, Link Option 1, NFC, Link Option 2, Link Option 3. After receiving a trigger instruction to trigger "NFC" in the sixth interface, the terminal device displays a seventh interface, the seventh interface includes an "NFC" list, and the "NFC" list provides multiple options, for example, NFC, default payment application. After receiving a trigger instruction to trigger the "default payment application" in the seventh interface, the terminal device displays the eighth interface, the eighth interface includes titles "default payment application" and "other applications", and the eighth interface may be "default payment application" list, the "default payment application" list provides multiple payment applications, and the card applications in the "default payment application" list are bank cards and digital RMB cards. For example, the card application a and card application b in the "default payment application" list are Bank card, card application c is a digital RMB card; in the eighth interface, the trigger instruction of "other applications" is triggered, and the terminal device displays the ninth interface, the ninth interface includes the titles "default payment application" and "other applications", the first Nine interface can be "other application" list, "other application" list provides multiple payment applications, the card application in the "other application" list is access control card and traffic card, for example, the card application d in the "other application" list And the card application e is the access control card, and the card application f in the "other applications" list is the traffic card. The card applications in the "Default Payment Application" list and the "Other Applications" list are all payment applications (also called transaction category card applications); one of the card applications in the two lists is the default payment application of the terminal device, For example, card application a is the default payment application.

The "default payment application" list is used to display the card application of the first category; the representative card application of the first category is a card application for money transaction. For example, the first category of card applications includes bank cards and digital RMB cards.

The "other applications" list is used to display card applications of the second category, and the second category indicates that the card application is a card application for non-monetary transactions. For example, the second category of card applications includes access control cards, traffic cards, cards corresponding to car keys, and cards corresponding to room doors.

Wherein, the fifth interface may correspond to the interface of (a) in Figure 7; the sixth interface may correspond to the interface of (b) in Figure 7; the seventh interface may correspond to the interface of (c) in Figure 7; The eighth interface may correspond to the interface of (d) in FIG. 7 ; the ninth interface may correspond to the interface of (e) in FIG. 7 . Wherein, the interface of (d) in FIG. 7 is the "second page", that is, the eighth interface is the "second page". The interface of (e) in FIG. 7 is the "third page", that is, the ninth interface is the "third page".

Fig. 8 is a schematic diagram of interface IV of an application processing method provided by the embodiment of the present application. As shown in Fig. 8, the default payment application of the terminal device is card application a, as shown in the interface of (a) in Fig. 8, the card Application a is in the selected state, and other card applications are in the unselected state; after the terminal device receives the card selection instruction, the AID indicated by the card selection instruction is xxx2; the terminal device determines that the card application corresponding to xxx2 is card application b, and then Determine that the terminal device supports card application b; the current default payment application of the terminal device is card application a, and then the terminal device determines that card application b is not the current default payment application of the terminal device, then the terminal device sets the default payment application as card application b , set the display position of the card application b to the top of the "default payment application" list, and activate the card application b in the transaction state; the terminal device automatically modifies the default payment application in the interface of (a) in Figure 8 to be the card application b. As shown in the interface of (b) in FIG. 8 , the card application b is in the selected state, and other card applications are in the unselected state; furthermore, the card application b is set as the default payment application of the terminal device. Wherein, Figure (a) and Figure (b) of Figure 8 are both "second page".

Alternatively, FIG. 9 is a schematic diagram of an interface five of an application processing method provided in the embodiment of the present application. As shown in FIG. 9, the default payment application of the terminal device is card application a, as shown in the interface of (a) in FIG. 9 , card application a is in the selected state, and other card applications are in the unselected state; after the terminal device receives the card selection instruction, the AID indicated by the card selection instruction is xxx4; the terminal device determines that the card application corresponding to xxx4 is card application d , and then determine that the terminal device supports card application d; the current default payment application of the terminal device is card application a, and then the terminal device determines that card application d is not the current default payment application of the terminal device, then the terminal device sets the default payment application as card For application d, set the display position of card application d to the top of the "other applications" list, and activate card application d in the transaction state; the terminal device automatically changes the default payment application to card application d, as shown in (b) in Figure 9 As shown in the interface of , the card application d is in the selected state, and other card applications are in the unselected state; and, as shown in the interface of (c) in Figure 9, the terminal device determines the card application a in the "default payment application" list is unselected; and then set the card application d as the default payment application of the terminal device. Wherein, Figure (a) of Figure 9 is the "second page", Figure 9 (b) is the "third page", and Figure 9 (c) is the "second page".

In this embodiment, the interface jumping process shown in FIG. 8 or FIG. 9 does not need to be actively displayed to the user during the process of the terminal device automatically adjusting the default payment application.

For the third method, refer to the introduction of Figure 10-Figure 12.

Fig. 10 is a schematic diagram of interface VI of an application processing method provided by the embodiment of the present application. As shown in Fig. 10, the terminal device displays the tenth interface, which includes a "settings" list, and the "settings" list provides multiple Set options, for example, set option 1, set option 2, set option 3, more links, set option 5, set option 6, set option 7. In the tenth interface, a trigger instruction to trigger "more links" is received, and the terminal device displays an eleventh interface, the eleventh interface includes a "more links" list, and the "more links" list provides multiple link options, For example, link option 1, NFC, link option 2, link option 3. In the eleventh interface, a trigger instruction to trigger "NFC" is received, and the terminal device displays the twelfth interface, which includes an "NFC" list, and the "NFC" list provides multiple options, for example, NFC, default payment application. In the twelfth interface, the trigger instruction to trigger the "default payment application" is received, and the terminal device displays the thirteenth interface. The thirteenth interface includes the titles "default payment application" and "other applications", and the thirteenth interface may be " "Other applications" list, the "Other applications" list provides multiple payment applications, the card applications in the "Other applications" list are access control cards and traffic cards, for example, the card application d and card application e in the "Other applications" list are Access control card, the card application f in the list of "other applications" is a traffic card; in the thirteenth interface, the trigger instruction of "other applications" is triggered, and the terminal device displays the fourteenth interface, the fourteenth interface includes the title "default payment application” and “other applications”, the fourteenth interface can be a list of “default payment applications”, which provides multiple payment applications, and the card applications in the “default payment application” list are bank cards and digital RMB Cards, for example, card application a and card application b in the "default payment application" list are both bank cards, and card application c is a digital RMB card. The card applications in the "Default Payment Application" list and the "Other Applications" list are all payment applications (also called transaction category card applications); one of the card applications in the two lists is the default payment application of the terminal device, For example, the card application d is the default payment application.

The "default payment application" list is used to display the card application of the first category; the representative card application of the first category is a card application for money transaction. For example, the first category of card applications includes bank cards and digital RMB cards.

The "other applications" list is used to display card applications of the second category, and the second category indicates that the card application is a card application for non-monetary transactions. For example, the second category of card applications includes access control cards, traffic cards, cards corresponding to car keys, and cards corresponding to room doors.

Wherein, the tenth interface may correspond to the interface of (a) in Figure 10; the eleventh interface may correspond to the interface of (b) in Figure 10; the twelfth interface may correspond to the interface of (c) in Figure 10 interface; the thirteenth interface may correspond to the interface of (d) in FIG. 10 ; the fourteenth interface may correspond to the interface of (e) in FIG. 10 . Wherein, the interface of (d) in FIG. 10 is the "third page", that is, the thirteenth interface is the "third page". The interface of (e) in FIG. 10 is the "second page", that is, the fourteenth interface is the "second page".

Figure 11 is a schematic diagram of interface VII of an application processing method provided by the embodiment of the present application. As shown in Figure 11, the default payment application of the terminal device is the card application d, as shown in the interface (a) in Figure 11, the card Application d is in the selected state, and other card applications are in the unselected state; after the terminal device receives the card selection instruction, the AID indicated by the card selection instruction is xxx5; the terminal device determines that the card application corresponding to xxx5 is card application e, and then Determine that the terminal device supports card application e; the current default payment application of the terminal device is card application d, and then the terminal device determines that card application e is not the current default payment application of the terminal device, then the terminal device sets the default payment application as card application e , set the display position of the card application e to the front of the list of "other applications", and activate the card application e in the transaction state; the terminal device automatically modifies the default payment application in the interface of (a) in Figure 11 to the card application e , as shown in the interface of (b) in Figure 11, the card application e is in the selected state, and other card applications are in the unselected state; and then the card application e is set as the default payment application of the terminal device. Wherein, the picture (a) and picture (b) of Figure 11 are both "the third page".

Alternatively, FIG. 12 is a schematic diagram of an interface eighth of an application processing method provided in the embodiment of the present application. As shown in FIG. 12, the default payment application of the terminal device is the card application d, as shown in the interface of (a) in FIG. 12 , card application d is in the selected state, and other card applications are in the unselected state; after the terminal device receives the card selection instruction, the AID indicated by the card selection instruction is xxx1; the terminal device determines that the card application corresponding to xxx1 is card application a , and then determine that the terminal device supports card application a; the current default payment application of the terminal device is card application d, and then the terminal device determines that card application a is not the current default payment application of the terminal device, then the terminal device sets the default payment application as card Application a, set the display position of card application a to the front of the list of "default payment applications", and activate card application a in the transaction state; the terminal device automatically modifies the default payment application in the interface of (a) in Figure 12 as Card application a, as shown in the interface of (b) in Figure 12, the card application a is in the selected state, and other card applications are in the unselected state; and, as shown in the interface of (c) in Figure 12, the terminal device Make sure that the card application d in the "other applications" list is not selected; and then set the card application a as the default payment application of the terminal device. Wherein, Figure (a) of Figure 12 is the "third page", Figure (b) of Figure 12 is the "second page", and Figure 12 (c) is the "third page".

In this embodiment, the interface jump process shown in FIG. 11 or FIG. 12 does not need to be actively displayed to the user during the process of the terminal device automatically adjusting the default payment application.

Step S404 is an optional step.

In an example, step S404 may be executed, and the terminal device may automatically modify the default payment application according to the card selection instruction, without requiring the user to manually change the default payment application. The interaction instruction between the terminal device and the user is saved, and the process of application processing and transaction processing is accelerated.

When the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not the current default payment application, it can first activate the card application corresponding to the AID indicated by the card selection instruction, and then set the AID indicated by the card selection instruction The corresponding card application is the default payment application. Alternatively, when the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not the current default payment application, it can first set the card application corresponding to the AID indicated by the card selection instruction as the default payment application, and then activate the selected payment application. The card application corresponding to the AID indicated by the card instruction. Or, when the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not the current default payment application, it can simultaneously execute "activate the card application corresponding to the AID indicated by the card selection instruction" and "set the selection option". The card application corresponding to the AID indicated by the card instruction is the default payment application."

In another example, in this embodiment, step S404 may not be performed, and the terminal device does not automatically modify the default payment application.

S405. The terminal device displays an interface of the card application corresponding to the AID indicated by the card selection instruction.

Exemplarily, after the terminal device activates the card application corresponding to the AID indicated by the card selection instruction, it displays the interface of the card application corresponding to the AID indicated by the card selection instruction, which includes but is limited to the following information: Information, picture information, balance information of card application, limit information of card application, etc. Furthermore, the terminal device prompts the user which card application the current card application to be traded is; if the terminal device modifies the default payment application, this interface is also used to prompt the user that the default payment application has been modified.

In one example, FIG. 13 is a schematic interface diagram 9 of an application processing method provided by an embodiment of the present application. As shown in FIG. 13 , the terminal device displays the card application interface corresponding to the AID indicated by the card selection instruction. In turn, the user is prompted for the current default payment application. In the example shown in Figure 13, the terminal device only needs to display the interface of the current default payment application, without displaying other card applications, and then prompts the user that the card application needs to perform transaction processing; if the terminal device modifies the default payment application, the The interface is also used to prompt the user to modify the default payment application. Wherein, the interface shown in FIG. 13 is the "fifth page"; the fifth page is used to display the current card application to be traded in the terminal device.

In another example, FIG. 14 is a schematic interface diagram of an application processing method provided in the embodiment of the present application. As shown in FIG. 14, the card application a in (a) of FIG. 14 is the default payment application before the terminal device ; Other card applications include other payment applications, for example, card application b is a payment application. Since the default payment application of the terminal device is the card application a, when the payment collection device matches the card application a, the terminal device can display the card application a, and then prompt the user that the current default payment application is the card application a; the terminal The device also displays card application b. The collection device issues a card selection instruction, and the AID indicated by the card selection instruction is the AID of card application b; the terminal device determines that the current default payment application is card application a, and then the terminal device determines that card application b is not the current default payment application, then The terminal device activates the card application b, and the terminal device displays an interface, as shown in (b) of Figure 14, the terminal device switches the positions of the card application a and the card application b, and prompts the user that the card application b needs to be modified. Transaction processing; if the default payment application is modified on the terminal device, this interface is also used to prompt the user to modify the default payment application. Among them, the interface shown in (a) of Figure 14 is the "sixth page", and the interface shown in (b) of Figure 14 is the "sixth page"; the sixth page is used to display the card applications supported by the terminal device , wherein the "card applications supported by the terminal device" includes the current card application to be traded.

In yet another example, Fig. 15 is a schematic interface diagram eleven of an application processing method provided by the embodiment of the present application. As shown in Fig. 15, the card application a in (a) of Fig. 15 is the default payment before the terminal device applications; other card applications include other payment applications, such as bank cards, transportation cards, and access control cards. Since the default payment application of the terminal device is the card application a, when the payment collection device matches the card application a, the terminal device can display the card application a, and then prompt the user that the current default payment application is application a; the terminal device Other card application b, card application c and card application d are also displayed, thereby prompting the user of the remaining available card applications. The collection device issues a card selection instruction, and the AID indicated by the card selection instruction is the AID of card application b; the terminal device determines that the current default payment application is card application a, and then the terminal device determines that card application b is not the current default payment application, then The terminal device activates the card application b, and the terminal device displays an interface, as shown in (b) of Figure 15, the terminal device swaps the positions of the card application a and the card application b, and prompts the user that the card application b needs to be modified. Transaction processing; if the default payment application is modified on the terminal device, this interface is also used to prompt the user to modify the default payment application. Among them, the interface shown in (a) of Figure 15 is the "sixth page", and the interface shown in (b) of Figure 15 is the "sixth page"; the sixth page is used to display the card applications supported by the terminal device , wherein the "card applications supported by the terminal device" includes the current card application to be traded.

In yet another example, FIG. 16 is a schematic interface diagram twelve of an application processing method provided by the embodiment of the present application. As shown in FIG. 16, the card application a in (a) of FIG. 16 is the default payment before the terminal device application; other card applications include other payment applications, such as bank cards, transportation cards, and access control cards; for example, card application a is bank cards, card application b is digital RMB cards, card application c is access control cards, and card application d is Transportation card; the terminal device sets the card application as "default card", and "default card" is different from "default payment application". Since the default payment application of the terminal device is the card application a, when the payment collection device matches the card application a, the terminal device can display the card application a, and then prompt the user that the current default payment application is application a; the terminal device Also display other card application c, card application d, and card application b, and then prompt the user for other available card applications, and the terminal device displays card application c, card application d, and card application b, wherein card application c is the default card (“ Default card" is different from "default payment application"), and thus card application c is positioned before card application b. The collection device issues a card selection instruction, and the AID indicated by the card selection instruction is the AID of card application b; the terminal device determines that the current default payment application is card application a, and then the terminal device determines that card application b is not the current default payment application, then The terminal device activates card application b, and the terminal device displays an interface, as shown in (b) of Figure 16. The terminal device swaps the positions of card application a and card application b, and prompts the user that card application b needs to be modified. Transaction processing; if the default payment application is modified on the terminal device, this interface is also used to prompt the user to modify the default payment application. Among them, the interface shown in (a) of Figure 16 is the "sixth page", and the interface shown in (b) of Figure 16 is the "sixth page"; the sixth page is used to display the card applications supported by the terminal device , wherein the "card applications supported by the terminal device" includes the current card application to be traded.

Step S405 is an optional step.

S406. The terminal device sends a selection confirmation result to the payment collection device, wherein the selection confirmation result is used to indicate that the terminal device supports the card application corresponding to the AID indicated by the card selection instruction.

Exemplarily, since the terminal device determines the card application corresponding to the AID indicated by the card selection instruction in step S402, the terminal device determines to support the card application corresponding to the AID indicated by the card selection instruction. After the terminal device activates the card application corresponding to the AID indicated by the card selection instruction, the terminal device generates a selection confirmation result. At this time, the selection confirmation result indicates that the terminal device supports the card application corresponding to the AID indicated by the card selection instruction.

In addition, the selection confirmation result may include the following content: the AID indicated by the card selection instruction, and the transaction content. Transaction content, including but not limited to: terminal device identification, transaction amount, and transaction identification.

Wherein, the execution order of step S405 and step S406 is not limited. Step S405 may be executed first, and then step S406 is executed. Alternatively, step S406 may be executed first, and then step S405 may be executed. Alternatively, step S405 and step S406 may be executed simultaneously.

S407. The terminal device receives the transaction instruction sent by the payment collection device, where the transaction instruction is used to instruct transaction processing.

Exemplarily, after receiving the selection confirmation result, the payment collection device determines that transaction processing can be performed between the payment collection device and the terminal device. For example, the payment collection device directly generates the transaction amount, or, the payment collection device confirms the amount according to the transaction amount in the selection confirmation result.

The payment collection device needs to generate a transaction instruction, which includes but is not limited to: terminal device identification, transaction amount, transaction identification, transaction time, account name, AID indicated by the card selection instruction, and so on. The payment receiving device sends the generated transaction instruction to the terminal device.

S408. The terminal device performs transaction processing, generates transaction result information; and sends transaction result information to the payment collection device, where the transaction result information represents whether the transaction is successful.

Exemplarily, the terminal device completes the transaction process according to the transaction instruction. After the terminal device confirms that the transaction is completed, or after the terminal device confirms that the transaction fails, it sends transaction result information to the payment collection device, and the transaction result information indicates whether the transaction is successful; the terminal device informs the payment collection device of the transaction result.

In an example, the payment collection device sends the transaction instruction to the terminal device. The terminal device performs transaction processing according to the transaction instruction, and generates transaction result information; the terminal device sends the transaction result information to the payment collection device.

For example, the card application corresponding to the AID indicated by the card selection instruction is a transportation card, and the payment collection device generates a transaction instruction, which includes the AID of the transportation card, transaction identification, transaction amount, transaction time, account name, etc.; and the transaction The instruction instructs to deduct the traffic fee or deduct the number of times of traffic on the traffic card. The payment receiving device sends the transaction instruction to the terminal device. The terminal device compares the information in the transaction instruction to complete the transaction processing of the transportation card. Then, the terminal device generates transaction result information, and sends the transaction result information to the payment collection device.

In another example, the payment collection device sends the transaction instruction to the terminal device. The terminal device interacts with the card application server according to the information in the transaction instruction, and then completes the transaction processing; wherein, the card application server is the server to which the card application corresponding to the AID indicated by the card selection instruction belongs. The card application server performs transaction processing according to the transaction instruction, and then sends transaction result information to the terminal device, and the transaction result information indicates whether the transaction is successful or not.

For example, the card application corresponding to the AID indicated by the card selection instruction is a digital renminbi card, and the payment collection device generates a transaction instruction, which includes the AID of the digital renminbi card, transaction ID, transaction amount, transaction time, account name, and so on. The collection device sends the transaction instruction to the terminal device; the terminal device sends the transaction instruction to the card application server, wherein the card application server is the server of the digital RMB card. The card application server performs transaction processing according to the information in the transaction instruction, generates transaction result information, and sends the transaction result information to the terminal device. Then, the terminal device sends the received transaction result information to the payment collection device.

In yet another example, the payment collection device sends the transaction instruction to the terminal device; and, the payment collection device also sends the transaction instruction to the card application server; wherein, the card application server is the card application server corresponding to the AID indicated by the card selection instruction. Attributed server. The card application server performs transaction processing according to the transaction instruction, and then sends transaction result information to the terminal device, and the transaction result information indicates whether the transaction is successful or not. The terminal device sends the transaction result information to the payment collection device.

For example, the card application corresponding to the AID indicated by the card selection instruction is a bank card, the payment collection device generates a transaction instruction, and sends the transaction instruction to the terminal device and the card application server; wherein, the card application server is the AID indicated by the card selection instruction The server to which the corresponding card application belongs, and the transaction instruction includes the bank card's AID, transaction ID, transaction amount, transaction time, account name, and so on. The card application server performs transaction processing according to the information in the transaction instruction, then generates transaction result information, and sends the transaction result information to the terminal device, wherein the transaction result information represents whether the transaction processing is successful. Then, the transaction result information received by the terminal device is sent to the payment collection device.

S409. The terminal device displays transaction result information.

Exemplarily, after the terminal device determines that the transaction is completed, or after the terminal device confirms that the transaction fails, the terminal device prompts the user for transaction result information, and then prompts the user for the transaction result.

In one example, FIG. 17 is a schematic interface diagram thirteen of an application processing method provided by the embodiment of the present application. As shown in FIG. 17, the terminal device displays the interface of the card application and displays a transaction result information, which is independent of the The interface of the card application. Wherein, the interface shown in Fig. 17 is the "seventh page"; the seventh page displays the transaction result information and the card application to be traded; wherein, the transaction result information and the interface of the card application to be traded are displayed side by side.

In one example, FIG. 18 is a schematic interface diagram 14 of an application processing method provided in the embodiment of the present application. As shown in FIG. 18 , the terminal device displays a transaction result information on the interface of the card application. Wherein, the interface shown in Fig. 18 is the "seventh page"; the seventh page displays the transaction result information and the card application to be transacted; wherein, the transaction result information is displayed on the interface of the card application to be transacted.

Wherein, step S409 may not be executed. Alternatively, step S409 may be performed after step S408. Alternatively, step S409 may be performed before step S408. Alternatively, step S408 and step S409 may be performed simultaneously.

In this embodiment, the card application corresponding to the application identifier indicated by the card selection instruction is the card application to be traded.

In this embodiment, the terminal device receives the card selection instruction sent by the payment collection device, and the card selection instruction is used to indicate the AID; thus the terminal device can determine the card application corresponding to the AID indicated by the card selection instruction according to the AID list; the terminal device When determining the card application corresponding to the AID indicated by the card selection instruction, it is determined that the terminal device supports the card application corresponding to the AID indicated by the card selection instruction; If the card application is not the current default payment application, the terminal device needs to change the payment method, and the terminal device needs to activate the card application corresponding to the AID indicated by the card selection instruction, so as to complete the subsequent payment process, and then the terminal device automatically determines that it needs to proceed The transaction card application does not require the user to manually modify the transaction card application to the default payment application in the terminal device, which speeds up the transaction process between the terminal device and the payment collection device, and improves user experience. When the terminal device activates the card application corresponding to the AID indicated by the card selection instruction, it can also set the card application corresponding to the AID indicated by the card selection instruction as the default payment application, so that the terminal device automatically modifies the default payment application without the need for the user to Manually replace the default payment application, which speeds up the transaction process between the terminal device and the collection device. Moreover, when the terminal device activates the card application corresponding to the AID indicated by the card selection instruction, it can also display the interface of the card application corresponding to the AID indicated by the card selection instruction, and then prompt the user that the card application currently to be traded is Which card application; if the terminal device has modified the default payment application, this interface is also used to prompt the user to modify the default payment application. After the terminal device activates the card application corresponding to the AID indicated by the card selection instruction, it sends a selection confirmation result to the payment collection device, and then informs the payment collection device that the terminal device supports the card application corresponding to the AID indicated by the card selection instruction. The terminal device then receives the transaction instruction sent by the payment collection device to complete the transaction process. The terminal device feeds back the transaction result information to the payment collection device, and informs the payment collection device of the transaction result.

FIG. 19 is a signaling diagram of another application processing method provided by the embodiment of the present application. As shown in Figure 19, methods can include:

S1901. The terminal device receives a card selection instruction sent by the payment collection device, and the card selection instruction is used to indicate the AID.

For example, this step can refer to the above step S401, and details are not repeated here.

S1902. The terminal device determines the card application corresponding to the AID indicated by the card selection instruction according to the AID list, wherein the AID list is used to indicate the correspondence between the AID and the card application.

For example, this step may refer to the above step S402, and details are not repeated here.

S1903. If the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application, it sends a selection confirmation result to the payment collection device, wherein the selection confirmation result is used to indicate that the terminal device supports the card selection instruction. The card application corresponding to the indicated AID.

Exemplarily, using the method of step S403, if the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application, the terminal device determines that the payment transaction process can be completed by using the current default payment application of the terminal device ; The terminal device sends a selection confirmation result to the payment collection device, wherein the selection confirmation result is used to indicate that the terminal device supports the card application corresponding to the AID indicated by the card selection instruction.

S1904. The terminal device displays an interface of the card application corresponding to the AID indicated by the card selection instruction.

Exemplarily, after the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application, it may display the interface of the card application corresponding to the AID indicated by the card selection instruction, which includes However, it is limited to the following information: icon information, picture information, card application balance information, card application limit information, and so on. Furthermore, the terminal device prompts the user which card application the current card application to be traded is.

In one example, FIG. 20 is an interface schematic diagram 1 of another application processing method provided by the embodiment of the present application. As shown in FIG. 20 , the terminal device displays the interface of the card application corresponding to the AID indicated by the card selection instruction. Further, the user is prompted which card application is the current card application that needs to be traded. In the example shown in FIG. 20 , the terminal device only needs to display the interface of the card application corresponding to the AID indicated by the card selection instruction, without displaying other card applications, and then prompts the user that the card application needs to perform transaction processing.

In another example, FIG. 21 is a second schematic interface diagram of another application processing method provided by the embodiment of the present application. As shown in FIG. 21, the card application a in (a) of FIG. 21 is the default payment before the terminal device application; other card applications include other payment applications, for example, card application b is a payment application. Since the default payment application of the terminal device is the card application a, when the payment collection device matches the card application a, the terminal device can display the card application a, and then prompt the user that the current default payment application is the card application a; the terminal The device also displays card application b. The collection device issues a card selection instruction, and the AID indicated by the card selection instruction is the AID of card application a; the terminal device determines that the current default payment application is card application a, and then the terminal device determines that card application a is the current default payment application, then The screenshot of the terminal device shows an interface as shown in (b) of FIG. 21 , and the terminal device does not need to adjust the interface of (a) of FIG. 21 .

In another example, FIG. 22 is a third interface schematic diagram of another application processing method provided by the embodiment of the present application. As shown in FIG. 22, the card application a in (a) of FIG. 22 is the default payment before the terminal device applications; other card applications include other payment applications, such as bank cards, transportation cards, and access control cards. Since the default payment application of the terminal device is the card application a, when the payment collection device matches the card application a, the terminal device can display the card application a, and then prompt the user that the current default payment application is application a; the terminal device Other card application b, card application c and card application d are also displayed, thereby prompting the user of the remaining available card applications. The collection device issues a card selection instruction, and the AID indicated by the card selection instruction is the AID of card application a; the terminal device determines that the current default payment application is card application a, and then the terminal device determines that card application a is the current default payment application, then The terminal device displays an interface as shown in (b) of FIG. 22 , and the terminal device does not need to adjust the interface of (a) of FIG. 22 .

In another example, FIG. 23 is a schematic diagram of another application processing method provided by the embodiment of the present application. As shown in FIG. 23, the card application a in (a) of FIG. 23 is the default payment before the terminal device application; other card applications include other payment applications, such as bank cards, transportation cards, and access control cards; for example, card application a is bank cards, card application b is digital RMB cards, card application c is access control cards, and card application d is Transportation card; the terminal device sets the card application as "default card", and "default card" is different from "default payment application". Since the default payment application of the terminal device is the card application a, when the payment collection device matches the card application a, the terminal device can display the card application a, and then prompt the user that the current default payment application is application a; the terminal device Also display other card application c, card application d, and card application b, and then prompt the user for other available card applications, and the terminal device displays card application c, card application d, and card application b, wherein card application c is the default card (“ Default card" is different from "default payment application"), and thus card application c is positioned before card application b. The collection device issues a card selection instruction, and the AID indicated by the card selection instruction is the AID of card application a; the terminal device determines that the current default payment application is card application a, and then the terminal device determines that card application a is the current default payment application, then The terminal device displays an interface as shown in (b) of FIG. 23 , and the terminal device does not need to adjust the interface of (a) of FIG. 23 .

Wherein, step S1904 is an optional step, and the execution order of step S1903 and step S1904 is not limited. After the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application, it can first send the selection confirmation result to the payment collection device, and then display the card application corresponding to the AID indicated by the card selection instruction. interface. Alternatively, after the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application, it may first display the interface of the card application corresponding to the AID indicated by the card selection instruction, and then the payment collection device sends Select to confirm the result. Or, after the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application, it can simultaneously execute "send the selection confirmation result to the payment collection device" and "display the card application indicated by the AID indicated by the card selection instruction". The interface of the corresponding card application".

S1905. The terminal device receives the transaction instruction sent by the payment collection device, where the transaction instruction is used to instruct transaction processing.

For example, this step may refer to step S407, and details are not repeated here.

S1906. The terminal device performs transaction processing, generates transaction result information, and sends the transaction result information to the payment collection device, where the transaction result information represents whether the transaction is successful.

For example, this step may refer to step S408, and details are not repeated here.

S1907. The terminal device displays transaction result information.

For example, this step may refer to step S409, and details are not repeated here.

Wherein, step 1907 may not be executed. Alternatively, step S1907 may be performed after step S1906. Alternatively, step 1907 may be performed before step S1906. Alternatively, step S1906 and step S1907 may be performed simultaneously.

In this embodiment, the card application corresponding to the application identifier indicated by the card selection instruction is the card application to be traded; that is, the current default payment application of the terminal device is the card application to be traded.

In this embodiment, the terminal device receives the card selection instruction sent by the payment collection device, and the card selection instruction is used to indicate the AID; thus the terminal device can determine the card application corresponding to the AID indicated by the card selection instruction according to the AID list; the terminal device When determining the card application corresponding to the AID indicated by the card selection instruction, it is determined that the terminal device supports the card application corresponding to the AID indicated by the card selection instruction; The card application is the current default payment application, so the terminal device does not need to change the payment method. The terminal device can directly send the selection confirmation result to the payment collection device, and then inform the payment collection device that the terminal device supports the card corresponding to the AID indicated by the card selection instruction. application. When the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application, it can also display the interface of the card application corresponding to the AID indicated by the card selection instruction, and then prompt the user for the current pending transaction Which card application is the card application; in this embodiment, the terminal device does not need to modify the default payment application. Indicate the AID through the card selection instruction, and then the terminal device determines whether to support the card application supported by the AID according to the AID, and if it is determined that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application, the terminal device can Call the card application directly for subsequent transaction processing, and call the current default payment application through the AID of the card selection command. The terminal device then receives the transaction instruction sent by the payment collection device to complete the transaction process. The terminal device feeds back the transaction result information to the payment collection device, and informs the payment collection device of the transaction result.

FIG. 24 is a signaling diagram of another application processing method provided by the embodiment of the present application. As shown in Figure 24, methods may include:

S2401. The terminal device receives a card selection instruction sent by the payment collection device, where the card selection instruction is used to indicate the AID.

For example, this step may refer to step S401, and details are not repeated here.

S2402. If the terminal device does not determine the card application corresponding to the AID indicated by the card selection instruction according to the AID list, where the AID list is used to indicate the correspondence between the AID and the card application, generate and display a prompt message; wherein, The prompt information indicates that the terminal device does not support the card application corresponding to the AID indicated by the card selection instruction.

Exemplarily, an AID list has been pre-stored in the terminal device. For the introduction of the AID list, please refer to step S402, and details will not be repeated here.

After the terminal device receives the card selection instruction, the terminal device determines the card application corresponding to the AID indicated by the card selection instruction according to the AID list. If the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction does not exist in the AID list according to the AID list, the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not a payment application, and the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction does not exist. The terminal device does not support the card application corresponding to the AID indicated by the card selection instruction.

Then, the terminal device displays an interface, which includes prompt information, and the prompt information is used to remind the user that the card application corresponding to the AID indicated by the card selection instruction is not a payment application, and the terminal device does not support the AID indicated by the card selection instruction. Corresponding card application. The interface at this time is the "fourth page".

In an example, FIG. 25 is a schematic interface diagram of another application processing method provided by the embodiment of the present application. As shown in FIG. 25, if the terminal device determines that the AID indicated by the card selection instruction does not exist in the AID list according to the AID list For the corresponding card application, the terminal device displays an interface, which includes a prompt message; the prompt message is used to remind the user that the card application corresponding to the AID indicated by the card selection instruction is not a payment application, and the terminal device does not support the card selection instruction The card application corresponding to the indicated AID. The interface shown in Figure 25 is the "fourth page".

Alternatively, the prompt information may be a voice message, a vibration prompt, and so on.

S2403. The terminal device sends prompt information to the payment collection device; wherein, the prompt information indicates that the terminal device does not support the card application corresponding to the AID indicated by the card selection instruction.

Exemplarily, the terminal device may also send the above prompt information to the payment collection device, and then inform the payment collection device that the terminal device does not support the card application corresponding to the AID indicated by the card selection instruction.

Wherein, the execution order of step S2402 and step S2403 is not limited. The terminal device may first display the prompt information, and then send the prompt information to the payment collection device. Alternatively, the terminal device may send prompt information to the payment collection device, and then display the prompt information. Alternatively, the terminal device sends prompt information to the payment collection device while displaying the prompt information.

In this embodiment, the terminal device receives the card selection instruction sent by the payment collection device, and the card selection instruction is used to indicate the AID; if the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction does not exist in the AID list according to the AID list , the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not a payment application, and the terminal device determines that the terminal device does not support the card application corresponding to the AID indicated by the card selection instruction. The terminal device needs to send a prompt message to the user and the payment collection device, and then inform the user and the payment collection device that "the terminal device does not support the card application corresponding to the AID indicated by the card selection instruction", that is, the terminal device does not support the card application specified by the payment collection device. Selected card application. Indicate the AID through the card selection instruction, and then the terminal device determines whether to support the card application supported by the AID according to the AID, and if it is determined that the card application corresponding to the AID indicated by the card selection instruction does not exist in the AID list, the terminal device determines not The card application corresponding to the AID indicated by the card selection instruction is supported, so that subsequent transaction processing cannot be completed.

FIG. 26 is a signaling diagram of another application processing method provided by the embodiment of the present application. As shown in Figure 26, methods may include:

S2601. The terminal device receives a card selection instruction sent by the payment collection device. The card selection instruction is used to instruct the AID, and the card selection instruction is also used to instruct transaction processing. Alternatively, the terminal device receives a card selection instruction and a transaction instruction sent by the payment collection device, the card selection instruction is used to instruct the AID, and the transaction instruction is used to instruct transaction processing.

Exemplarily, when the terminal device approaches the payment collection device and needs to complete the transaction, the payment collection device will send field strength information, and the field strength information includes the AID and the transaction instruction.

In one example, when the terminal device is close to the payment collection device and needs to complete the transaction, the payment collection device will send field strength information, and the field strength information includes a card selection instruction. The card selection instruction issued by the payment collection device is used to indicate the AID of a card application, and the card selection instruction is also used to represent the need for transaction processing. The card selection instruction also includes but is not limited to: terminal equipment identification, transaction amount, Transaction ID, transaction time, account name, etc. Alternatively, the card selection instruction issued by the payment collection device includes an AID of a card application, and the card selection instruction is also used to indicate that transaction processing is required. The card selection instruction also includes but is not limited to: terminal device identification, transaction amount, transaction ID, transaction time, account name, etc.

In another example, when the terminal device is close to the payment collection device and needs to complete the transaction, the payment collection device will send field strength information, and the field strength information includes a card selection instruction and a transaction instruction. The card selection instruction is used to indicate the AID of a card application, and the transaction instruction indicates that transaction processing is required; the transaction instruction also includes but is not limited to: terminal device identification, transaction amount, transaction identification, transaction time, account name, etc. . Alternatively, the card selection instruction includes an AID of a card application, and the transaction instruction indicates that transaction processing is required, and the transaction instruction also includes, but is not limited to: terminal device identification, transaction amount, transaction identification, transaction time, account name, etc.

S2602. The terminal device determines the card application corresponding to the AID indicated by the card selection instruction according to the AID list, wherein the AID list is used to indicate the correspondence between the AID and the card application.

For example, this step may refer to the above step S402, and details are not repeated here.

S2603. If the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not the current default payment application, activate the card application corresponding to the AID indicated by the card selection instruction.

Exemplarily, this step may refer to the above-mentioned step S403, and details are not repeated here.

S2604. If the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not the current default payment application, set the card application corresponding to the AID indicated by the card selection instruction as the default payment application.

For example, this step can refer to the above step S404, and details are not repeated here. This step is optional.

S2605. The terminal device displays an interface of the card application corresponding to the AID indicated by the card selection instruction.

Exemplarily, this step may refer to the above-mentioned step S405, which will not be repeated here.

S2606. The terminal device sends a selection confirmation result to the payment collection device, wherein the selection confirmation result is used to indicate that the terminal device supports the card application corresponding to the AID indicated by the card selection instruction.

For example, this step may refer to the above step S406, and details are not repeated here.

S2607. The terminal device completes the transaction processing, and sends transaction result information to the payment collection device, wherein the transaction result information represents whether the transaction is successful.

Exemplarily, in this embodiment, the terminal device receives the AID and the transaction instruction in step S2601, and if the terminal device determines the card application corresponding to the AID indicated by the card selection instruction in step S2602 according to the AID list, then determine The terminal device supports the card application corresponding to the AID indicated by the card selection instruction. The terminal device can directly carry out the transaction processing process.

In an example, step S2607 may be performed after step S2606. Alternatively, step S2607 may be performed after step S2603.

The terminal device completes the transaction process according to the instructions of the card selection instruction, or completes the transaction process according to the transaction instructions. After the terminal device confirms that the transaction is completed, or after the terminal device confirms that the transaction fails, it sends transaction result information to the payment collection device, and the transaction result information indicates whether the transaction is successful; the terminal device informs the payment collection device of the transaction result.

In an example, the terminal device performs transaction processing according to the transaction instruction, and generates transaction result information; the terminal device sends the transaction result information to the payment collection device.

For example, the payment collection device sends the card selection instruction and the transaction instruction to the terminal device; or, the payment collection device uses the card selection instruction to instruct the AID, and the card selection instruction is also used to instruct transaction processing. The card application corresponding to the AID indicated by the card selection instruction is a transportation card. The transaction instruction or transaction instruction includes the AID of the transportation card, the transaction identification, the transaction amount, the transaction time, the account name, etc.; the transaction instruction or the transaction instruction indicates that the transportation fee shall be deducted from the transportation card, or the number of transportation shall be deducted. The terminal device compares the transaction instruction or the information in the transaction instruction to complete the transaction processing of the transportation card. Then, the terminal device generates transaction result information, and sends the transaction result information to the payment collection device.

In another example, the payment collection device sends the card selection instruction and the transaction instruction to the terminal device; or, the payment collection device uses the card selection instruction to indicate the AID, and the card selection instruction is also used to indicate transaction processing. The terminal device interacts with the card application server according to the transaction instruction or the information in the transaction instruction, and then completes the transaction processing; wherein, the card application server is the server to which the card application corresponding to the AID indicated by the card selection instruction belongs. The card application server performs transaction processing, and then sends transaction result information to the terminal device, and the transaction result information indicates whether the transaction is successful.

For example, the payment collection device sends the card selection instruction and the transaction instruction to the terminal device; or, the payment collection device uses the card selection instruction to instruct the AID, and the card selection instruction is also used to instruct transaction processing. The card application corresponding to the AID indicated by the card selection instruction is a digital renminbi card, and the transaction instruction or transaction instruction includes the AID of the digital renminbi card, transaction ID, transaction amount, transaction time, account name, etc. The terminal device sends a transaction instruction to the card application server, wherein the card application server is the server of the digital RMB card. The card application server performs transaction processing according to the information in the transaction instruction, generates transaction result information, and sends the transaction result information to the terminal device. Then, the terminal device sends the received transaction result information to the payment collection device.

In yet another example, the payment collection device sends the card selection instruction and the transaction instruction to the terminal device; and, the payment collection device also sends the transaction instruction to the card application server; wherein, the card application server corresponds to the AID indicated by the card selection instruction The server to which the card application belongs. The card application server performs transaction processing according to the transaction instruction, and then sends transaction result information to the terminal device, and the transaction result information indicates whether the transaction is successful or not. The terminal device sends the transaction result information to the payment collection device.

For example, the card application corresponding to the AID indicated by the card selection instruction is a bank card, and the payment collection device sends the card selection instruction and the transaction instruction to the terminal device, and sends the transaction instruction to the card application server; wherein, the card application server is the card selection instruction The server to which the card application corresponding to the indicated AID belongs, and the transaction instruction includes the bank card's AID, transaction identifier, transaction amount, transaction time, account name, and so on. The card application server performs transaction processing according to the information in the transaction instruction, then generates transaction result information, and sends the transaction result information to the terminal device, wherein the transaction result information represents whether the transaction processing is successful. Then, the transaction result information received by the terminal device is sent to the payment collection device.

S2608. The terminal device displays transaction result information.

For example, this step may refer to the above step S409, and details are not repeated here.

Wherein, step S2608 may not be executed. Alternatively, alternatively, the terminal device displays the transaction result information after sending the transaction result information to the payment collection device. Alternatively, the terminal device sends the transaction result information to the payment collection device after displaying the transaction result information. Alternatively, the terminal device displays the transaction result information while sending the transaction result information to the payment collection device.

In this embodiment, the card application corresponding to the application identifier indicated by the card selection instruction is the card application to be traded.

In this embodiment, the terminal device receives the card selection instruction sent by the payment collection device, the card selection instruction is used to indicate the AID, and the card selection instruction is also used to instruct transaction processing; or, the terminal device receives the card selection instruction and the card selection instruction sent by the payment collection device. The transaction instruction, the card selection instruction is used to instruct the AID, and the transaction instruction is used to instruct transaction processing. Furthermore, the terminal device simultaneously receives the AID and the transaction instruction. The terminal device can determine the card application corresponding to the AID indicated by the card selection instruction according to the AID list; the terminal device determines that the terminal device supports the card application indicated by the card selection instruction when determining the card application corresponding to the AID indicated by the card selection instruction. Then, if the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not the current default payment application, the terminal device needs to change the payment method, and the terminal device needs to activate the card application indicated by the card selection instruction. The card application corresponding to the AID in order to complete the subsequent payment process, and then the terminal device automatically determines the card application that needs to be traded, which speeds up the transaction process between the terminal device and the payment collection device, and improves the user experience. When the terminal device activates the card application corresponding to the AID indicated by the card selection instruction, it can also set the card application corresponding to the AID indicated by the card selection instruction as the default payment application, so that the terminal device automatically modifies the default payment application without the need for the user to Manually replace the default payment app. Moreover, when the terminal device activates the card application corresponding to the AID indicated by the card selection instruction, it can also display the interface of the card application corresponding to the AID indicated by the card selection instruction, and then prompt the user which card application is currently to be traded. A card application; if the terminal device has modified the default payment application, this interface is also used to prompt the user to modify the default payment application. After the terminal device activates the card application corresponding to the AID indicated by the card selection instruction, it sends a selection confirmation result to the payment collection device, and then informs the payment collection device that the terminal device supports the card application corresponding to the AID indicated by the card selection instruction. The terminal device has obtained the transaction instruction, and then the terminal device can directly complete the transaction processing process after activating the card application corresponding to the AID indicated by the card selection instruction. The terminal device feeds back the transaction result information to the payment collection device, and informs the payment collection device of the transaction result.

FIG. 27 is a signaling diagram of another application processing method provided by the embodiment of the present application. As shown in Figure 27, methods may include:

S2701. The terminal device receives a card selection instruction sent by the payment collection device. The card selection instruction is used to instruct the AID, and the card selection instruction is also used to instruct transaction processing. Alternatively, the terminal device receives a card selection instruction and a transaction instruction sent by the payment collection device, the card selection instruction is used to instruct the AID, and the transaction instruction is used to instruct transaction processing.

For example, this step may refer to step S2601, and details are not repeated here.

S2702. The terminal device determines the card application corresponding to the AID indicated by the card selection instruction according to the AID list, wherein the AID list is used to indicate the correspondence between the AID and the card application.

For example, this step may refer to the above step S402, and details are not repeated here.

S2703. If the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application, it sends a selection confirmation result to the payment collection device, wherein the selection confirmation result is used to indicate that the terminal device supports the card selection instruction. The card application corresponding to the indicated AID.

Exemplarily,

Using the method of step S403, if the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application, then the terminal device determines that the payment transaction process can be completed by using the current default payment application of the terminal device; The payment collection device sends a selection confirmation result, wherein the selection confirmation result is used to indicate that the terminal device supports the card application corresponding to the AID indicated by the card selection instruction.

S2704. The terminal device displays an interface of the card application corresponding to the AID indicated by the card selection instruction.

Exemplarily, after the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application, it may display the interface of the card application corresponding to the AID indicated by the card selection instruction, which includes However, it is limited to the following information: icon information, picture information, card application balance information, card application limit information, and so on. Furthermore, the terminal device prompts the user which card application the current card application to be traded is.

For the display mode, please refer to the introduction in Figure 20-23.

Wherein, step S2704 is an optional step, and the execution order of step S2703 and step S2704 is not limited. After the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application, it can first send the selection confirmation result to the payment collection device, and then display the card application corresponding to the AID indicated by the card selection instruction. interface. Alternatively, after the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application, it may first display the interface of the card application corresponding to the AID indicated by the card selection instruction, and then the payment collection device sends Select to confirm the result. Or, after the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application, it can simultaneously execute "send the selection confirmation result to the payment collection device" and "display the card application indicated by the AID indicated by the card selection instruction". The interface of the corresponding card application".

S2705. The terminal device completes the transaction processing, and sends transaction result information to the payment collection device, wherein the transaction result information represents whether the transaction is successful.

Exemplarily, in this embodiment, the terminal device receives the AID and the transaction instruction in step S2701, and if the terminal device determines the card application corresponding to the AID indicated by the card selection instruction in step S2702 in step S2702, then determine The terminal device supports the card application corresponding to the AID indicated by the card selection instruction. The terminal device can directly carry out the transaction processing process. For this step, reference may be made to step S2607, and details are not repeated here.

In an example, step S2705 may be performed after step S2704. Alternatively, step S2705 may be performed after step S2703.

S2706. The terminal device displays transaction result information.

For example, this step may refer to the above step S409, and details are not repeated here.

Wherein, step S2706 may not be executed. Alternatively, the terminal device displays the transaction result information after sending the transaction result information to the payment collection device. Alternatively, the terminal device sends the transaction result information to the payment collection device after displaying the transaction result information. Alternatively, the terminal device displays the transaction result information while sending the transaction result information to the payment collection device.

In this embodiment, the card application corresponding to the application identifier indicated by the card selection instruction is the card application to be traded; that is, the current default payment application of the terminal device is the card application to be traded.

In this embodiment, the terminal device receives the card selection instruction sent by the payment collection device, the card selection instruction is used to indicate the AID, and the card selection instruction is also used to instruct transaction processing; or, the terminal device receives the card selection instruction and the card selection instruction sent by the payment collection device. The transaction instruction, the card selection instruction is used to instruct the AID, and the transaction instruction is used to instruct transaction processing. Furthermore, the terminal device simultaneously receives the AID and the transaction instruction. The terminal device can determine the card application corresponding to the AID indicated by the card selection instruction according to the AID list; the terminal device determines that the terminal device supports the card application indicated by the card selection instruction when determining the card application corresponding to the AID indicated by the card selection instruction. Then, if the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application, the terminal device does not need to change the payment method, and the terminal device can directly send payment to the payment collection device Send the selection confirmation result, and then inform the payment collection device that the terminal device supports the card application corresponding to the AID indicated by the card selection instruction. When the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application, it can also display the interface of the card application corresponding to the AID indicated by the card selection instruction, and then remind the user of the current pending transaction Which card application is the card application; in this embodiment, the terminal device does not need to modify the default payment application. Indicate the AID through the card selection instruction, and then the terminal device determines whether to support the card application supported by the AID according to the AID, and if it is determined that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application, the terminal device can Call the card application directly to perform subsequent transaction processing. The terminal device has obtained the transaction instruction, and after determining the card application corresponding to the AID indicated by the card selection instruction, the terminal device can directly complete the transaction processing process, and call the current default payment application through the AID of the card selection instruction. The terminal device feeds back the transaction result information to the payment collection device, and informs the payment collection device of the transaction result.

FIG. 28 is a signaling diagram of another application processing method provided by the embodiment of the present application. As shown in Figure 28, methods may include:

S2801. The terminal device receives a card selection instruction sent by the payment collection device. The card selection instruction is used to instruct the AID, and the card selection instruction is also used to instruct transaction processing. Alternatively, the terminal device receives a card selection instruction and a transaction instruction sent by the payment collection device, the card selection instruction is used to instruct the AID, and the transaction instruction is used to instruct transaction processing.

For example, this step may refer to step S2601, and details are not repeated here.

S2802. If the terminal device does not determine the card application corresponding to the AID indicated by the card selection instruction according to the AID list, where the AID list is used to indicate the correspondence between the AID and the card application, generate and display a prompt message; wherein, The prompt information indicates that the terminal device does not support the card application corresponding to the AID indicated by the card selection instruction.

Exemplarily, an AID list has been pre-stored in the terminal device. For the introduction of the AID list, please refer to step S402, and details will not be repeated here.

After the terminal device receives the card selection instruction, the terminal device determines the card application corresponding to the AID indicated by the card selection instruction according to the AID list. If the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction does not exist in the AID list according to the AID list, the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not a payment application, and the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction does not exist. The terminal device does not support the card application corresponding to the AID indicated by the card selection instruction.

Then, the terminal device displays an interface, which includes prompt information, and the prompt information is used to remind the user that the card application corresponding to the AID indicated by the card selection instruction is not a payment application, and the terminal device does not support the AID indicated by the card selection instruction. Corresponding card application. The interface at this time is the "fourth page". The interface, as shown in Figure 25, will not be repeated here.

Alternatively, the prompt information may be a voice message, a vibration prompt, and so on.

S2803. The terminal device sends prompt information to the payment collection device; wherein, the prompt information indicates that the terminal device does not support the card application corresponding to the AID indicated by the card selection instruction.

Exemplarily, the terminal device may also send the above prompt information to the payment collection device, and then inform the payment collection device that the terminal device does not support the card application corresponding to the AID indicated by the card selection instruction.

Wherein, the execution order of step S2802 and step S2803 is not limited. The terminal device may first display the prompt information, and then send the prompt information to the payment collection device. Alternatively, the terminal device may send prompt information to the payment collection device, and then display the prompt information. Alternatively, the terminal device sends prompt information to the payment collection device while displaying the prompt information.

In this embodiment, the terminal device receives the card selection instruction sent by the payment collection device, the card selection instruction is used to indicate the AID, and the card selection instruction is also used to instruct transaction processing; or, the terminal device receives the card selection instruction and the card selection instruction sent by the payment collection device. The transaction instruction, the card selection instruction is used to instruct the AID, and the transaction instruction is used to instruct transaction processing. If the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction does not exist in the AID list according to the AID list, the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not a payment application, and the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction does not exist. The terminal device does not support the card application corresponding to the AID indicated by the card selection instruction. The terminal device needs to send a prompt message to the user and the payment collection device, and then inform the user and the payment collection device that "the terminal device does not support the card application corresponding to the AID indicated by the card selection instruction". Indicate the AID through the card selection instruction, and then the terminal device determines whether to support the card application supported by the AID according to the AID, and if it is determined that the card application corresponding to the AID indicated by the card selection instruction does not exist in the AID list, the terminal device determines not The card application corresponding to the AID indicated by the card selection instruction is supported, so that subsequent transaction processing cannot be completed.

FIG. 29 is a signaling diagram of yet another application processing method provided by the embodiment of the present application. As shown in Figure 29, methods may include:

S2901. The terminal device receives a card selection instruction sent by the payment collection device, where the card selection instruction is used to indicate multiple AIDs.

Exemplarily, when the terminal device is close to the payment collection device and needs to complete the transaction, the payment collection device will send field strength information, and the field strength information is a card selection instruction; the card selection instruction sent by the payment collection device contains multiple card application AID, or, the card selection instruction issued by the payment collection device represents the AID of multiple card applications. In this embodiment, the card selection instruction received by the terminal device indicates the AID of each card application in the multiple card applications.

S2902. The terminal device determines each card application corresponding to each AID indicated by the card selection instruction according to the AID list, wherein the AID list is used to indicate the correspondence between the AID and the card application.

Exemplarily, an AID list has been pre-stored in the terminal device. For the AID list, refer to the introduction of step S402. In the step, the card applications corresponding to the AIDs stored in the AID list are all card applications supported by the terminal device. Therefore, for each AID indicated by the card selection instruction, if the terminal device lists the AIDs and can determine the card application corresponding to the AID indicated by the card selection instruction, it indicates that the terminal device supports the card application. For each AID indicated by the card selection instruction, if the terminal device determines according to the AID list that the card application corresponding to the AID indicated by the card selection instruction does not exist in the AID list, it indicates that the terminal device does not support the card application.

S2903. If the terminal device determines that each card application corresponding to each AID indicated by the card selection instruction is not the current default payment application, from each card application corresponding to each AID indicated by the card selection instruction, Determine the card application to be traded and activate the card application to be traded.

Exemplarily, for each AID indicated by the card selection instruction, in step S2902, since the card application corresponding to the AID indicated by the card selection instruction has been determined according to the AID list, it is determined that the terminal device supports the card application . Furthermore, for the card application supported by the terminal device (at this time, the card application is the card application corresponding to the AID indicated by the card selection instruction), the terminal device needs to determine whether the card application corresponding to the AID indicated by the card selection instruction is The current default payment application for the terminal device.

In an example, for each AID indicated by the card selection instruction, the terminal device can call the AID of the current default payment application of the terminal device, and combine the AID indicated by the card selection instruction, the AID of the current default payment application of the terminal device Compare the two; if it is determined that the two are consistent, the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application; if it is determined that the two are inconsistent, the terminal device determines that the card application indicated by the card selection instruction The card application corresponding to the AID of is not the current default payment application.

In another example, what is stored in Table 1 is the corresponding relationship between the AID and the name of the card application, and then the terminal device can determine the name of the card application of the AID indicated by the card selection instruction; for each AID indicated by the card selection instruction , the terminal device calls the name of the current default payment application, and then the terminal device compares the name of the card application of the AID indicated by the card selection instruction with the name of the current default payment application; if the two are determined to be consistent, then The terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is the current default payment application; if it is determined that the two are inconsistent, the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not the current default payment application .

Using the above method, if the terminal device determines that each card application corresponding to each AID indicated by the card selection instruction is not the current default payment application, the terminal device determines that the current default payment application of the terminal device cannot be used for the payment transaction process; In order to complete this transaction process, the terminal device needs to first determine a card application to be traded from each card application corresponding to each AID indicated by the card selection instruction. Then, the terminal device automatically activates the card application to be traded, so that the card application is in a transaction state.

In one example, each card application corresponding to each AID indicated by the card selection instruction is not the default payment application of the terminal device, then the terminal device selects any one of the card applications indicated by the card selection instruction as Card application to be transacted.

For example, the card selection instruction indicates that the AIDs are xxx1, xxx2, and xxx3 respectively, and the terminal device determines that the card applications are card application a corresponding to xxx1, card application b corresponding to xxx2, and card application c corresponding to xxx3 according to Table 1. The current default payment application of the terminal device is the card application d, and the terminal device randomly sets the card application a as the card application to be traded.

In another example, each card application corresponding to each AID indicated by the card selection instruction is not the default payment application of the terminal device, then the terminal device can determine a card application according to the priority of the card application indicated by the card selection instruction. Card application to be transacted. The card application with the highest priority can be used as the card application to be traded. For example, the card selection instruction indicates the AID of each card application in multiple card applications, and each card application has a priority; thus, the terminal device can determine the priority of the payment application according to the card selection instruction. Produce a card application as the card application to be traded. For another example, the card selection instruction indicates the AID of each card application in multiple card applications; the terminal device stores the priority information of each card application, so that the terminal device can pay according to the card selection instruction. The priority of the application determines a card application as the card application to be traded. For another example, the card selection instruction indicates the AID of each card application in multiple card applications; the AID list stored in the terminal device stores the priority information of each card application, so that the terminal device can The priority of the payment application indicated by the instruction determines a card application as the card application to be traded.

For example, the card selection instruction indicates that the AIDs are xxx1, xxx2, and xxx3 respectively, and the terminal device determines that the card applications are card application a corresponding to xxx1, card application b corresponding to xxx2, and card application c corresponding to xxx3 according to Table 1. The current default payment application of the terminal device is the card application d. Wherein, the card selection instruction indicates that the priority of card application b is higher than that of card application a, and the card selection instruction indicates that the priority of card application b is higher than that of card application c, then the terminal device sets the card Application b is a card application to be traded.

For another example, the card selection instruction indicates that the AIDs are xxx1, xxx2, and xxx3 respectively, and the terminal device determines that the card applications are card application a corresponding to xxx1, card application b corresponding to xxx2, and card application c corresponding to xxx3 according to Table 1. The current default payment application of the terminal device is the card application d. Wherein, each card priority is stored in the terminal device, and the priority of card application b is higher than the priority of card application a and the priority of card application c, then the terminal device sets card application b as the card application to be traded.

In another example, each card application corresponding to each AID indicated by the card selection instruction is not the default payment application of the terminal device, then the terminal device can display an interface, and Fig. 30 is another one provided by the embodiment of the present application The interface diagram of the application processing method is shown in FIG. 30 . The terminal device displays each card application indicated by the card selection instruction, which is selected by the user; for example, card application a, card application b, and card application c are displayed. In response to the user's trigger operation on the interface shown in FIG. 30 , the terminal device obtains the card application indicated by the user. The terminal device determines that the card application indicated by the user is set as the card application to be traded.

S2904. The terminal device sets the card application to be traded as the default payment application.

For example, referring to the method of step S2903, after the terminal device determines a card application to be traded, it may set the card application to be traded as the default payment application of the terminal device, thereby automatically modifying the default payment application.

After the terminal device has modified the default payment application, the terminal device will automatically modify the selected item of the "default payment application" in the list of "default payment applications" of the terminal device.

When the terminal device automatically modifies the selected item of "Default Payment Application", you can refer to the introduction in Figure 5-12, and there is no need to trace back.

Step S2904 is an optional step.

In one example, step S2904 may be executed, and the terminal device may automatically modify the default payment application according to the card selection instruction, without the user manually changing the default payment application. The interaction instruction between the terminal device and the user is saved, and the process of application processing and transaction processing is accelerated.

After determining a card application to be traded, the terminal device may first activate the card application to be traded, and then set the card application to be traded as a default payment application. Alternatively, after determining a card application to be traded, the terminal device may first set the card application to be traded as a default payment application, and then activate the card application to be traded. Alternatively, after determining a card application to be traded, the terminal device sets the card application to be traded as a default payment application while activating the card application to be traded.

In another example, in this embodiment, step S2904 may not be performed, and the terminal device does not automatically modify the default payment application.

S2905. The terminal device displays the interface of the card application to be traded.

Exemplarily, after the terminal device activates the card application to be traded, it displays the interface of the card application to be traded, which includes but is limited to the following information: icon information, picture information, card application balance information, card application Quota information, etc. Furthermore, the terminal device prompts the user which card application the current card application to be traded is; if the terminal device modifies the default payment application, this interface is also used to prompt the user that the default payment application has been modified.

Among them, the way of interface display can refer to the introduction of Figure 13-Figure 16.

Step S2905 is an optional step.

S2906. The terminal device sends a selection confirmation result to the payment collection device, wherein the selection confirmation result is used to indicate that the terminal device supports the card application corresponding to the AID indicated by the card selection instruction, and the selection confirmation result is used to indicate the card application to be traded.

Exemplarily, since the terminal device determines the application of the card to be traded in step S2903, the terminal device generates a selection confirmation result. At this time, the selection confirmation result indicates that the terminal device supports the card corresponding to an AID indicated by the card selection instruction. The selection confirmation result is used to indicate the card application to be transacted; the terminal device sends the selection confirmation result to the payment collection device, and then notifies the payment collection device that the transaction processing can be completed using the card application to be transacted. In this embodiment, since the payment collection device has issued multiple AIDs, in this step, the selection confirmation result needs to indicate the card application to be traded.

The selection confirmation result may include the following content: the AID of the card application to be traded, and the transaction content. Transaction content, including but not limited to: terminal device identification, transaction amount, and transaction identification.

Wherein, the execution sequence of step S2905 and step S2906 is not limited. Step S2905 may be executed first, and then step S2906 is executed. Alternatively, step S2906 may be executed first, and then step S2905 may be executed. Alternatively, step S2905 and step S2906 may be performed simultaneously.

S2907. The terminal device receives the transaction instruction sent by the payment collection device, where the transaction instruction is used to instruct transaction processing.

Exemplarily, after receiving the selection confirmation result, the payment collection device determines that transaction processing can be performed between the payment collection device and the terminal device. For example, the payment collection device directly generates the transaction amount, or, the payment collection device confirms the amount according to the transaction amount in the selection confirmation result.

The payment collection device needs to generate a transaction instruction, which includes but is not limited to: terminal device identification, transaction amount, transaction identification, transaction time, account name, AID of the card application to be traded, and so on. The payment receiving device sends the generated transaction instruction to the terminal device.

S2908. The terminal device performs transaction processing to generate transaction result information; and sends the transaction result information to the payment collection device, where the transaction result information represents whether the transaction is successful.

Exemplarily, the terminal device completes the transaction process according to the transaction instruction. After the terminal device confirms that the transaction is completed, or after the terminal device confirms that the transaction fails, it sends transaction result information to the payment collection device, and the transaction result information indicates whether the transaction is successful; the terminal device informs the payment collection device of the transaction result. Reference may be made to the introduction of step S408, and details are not repeated here.

S2909. The terminal device displays transaction result information.

Exemplarily, after the terminal device determines that the transaction is completed, or after the terminal device confirms that the transaction fails, the terminal device prompts the user for transaction result information, and then prompts the user for the transaction result.

For the display method of transaction result information, please refer to the introduction in Figure 17-18.

In this embodiment, the terminal device receives the card selection instruction sent by the payment collection device, and the card selection instruction is used to indicate the AIDs of multiple card applications; thus, the terminal device can determine the AID of each AID indicated by the card selection instruction according to the AID list. Corresponding to each card application; for each AID indicated by the card selection instruction, if the terminal device determines that there is a card application corresponding to the AID indicated by the card selection instruction in the AID list, it determines that the terminal device supports the card application. Then, if the terminal device determines that each card application corresponding to each AID indicated by the card selection instruction is not the current default payment application, the terminal device needs to change the payment method. In each corresponding card application, determine a card application to be traded, and activate the card application to be traded, so as to complete the subsequent payment process, and then the terminal device will automatically determine the card application that needs to be traded, without the need for the user to be in the terminal Manually modify the card application that needs to be traded to the default payment application in the device, which speeds up the transaction process between the terminal device and the payment collection device, and improves the user experience. When the terminal device activates the card application to be traded, it can also set the card application to be traded as the default payment application, so that the terminal device can automatically modify the default payment application, and the user does not need to manually change the default payment application, which speeds up the connection between the terminal device and the payment collection device. transactions between them. Moreover, when the terminal device activates the card application to be traded, it can also display the interface of the card application to be traded, and then prompt the user which card application the current card application to be traded is; if the terminal device modifies the default payment application, Then this interface is also used to prompt the user to modify the default payment application. After the terminal device activates the card application to be traded, it sends a selection confirmation result to the payment collection device, and then informs the payment collection device that the terminal device supports the card application corresponding to the AID indicated by the card selection instruction, and that the card application is the card to be traded application. The terminal device then receives the transaction instruction sent by the payment collection device to complete the transaction process. The terminal device feeds back the transaction result information to the payment collection device, and informs the payment collection device of the transaction result.

FIG. 31 is a signaling diagram of yet another application processing method provided by the embodiment of the present application. As shown in Figure 31, methods can include:

S3101. The terminal device receives a card selection instruction sent by the payment collection device, where the card selection instruction is used to indicate multiple AIDs.

For example, this step may refer to step S2901, and details are not repeated here.

S3102. The terminal device determines each card application corresponding to each AID indicated by the card selection instruction according to the AID list, wherein the AID list is used to indicate the correspondence between the AID and the card application.

For example, this step may refer to step S2902, and details are not repeated here.

S3103. If the terminal device determines that each card application corresponding to each AID indicated by the card selection instruction has a current default payment application, it sends a selection confirmation result to the payment collection device, wherein the selection confirmation result is used to characterize the terminal device The card application corresponding to the AID indicated by the card selection instruction is supported, and the selection confirmation result is used to indicate the card application to be traded, and the card application to be traded is the current default payment application of the terminal device.

Exemplarily,

Referring to the introduction of step S2903, if the terminal device determines that the card application corresponding to each AID indicated by the card selection instruction has the current default payment application of the terminal device, then the terminal device determines that the payment can be completed by using the current default payment application of the terminal device. Payment transaction process; the terminal device sends a selection confirmation result to the payment collection device, wherein the selection confirmation result is used to indicate that the terminal device supports the card application corresponding to an AID indicated by the card selection instruction, and the card application is the current default of the terminal device payment application. In this embodiment, since the collection device has issued multiple AIDs, in this step, the selection confirmation result needs to indicate the card application to be traded; in this step, the card application to be traded is the current default payment application of the terminal device .

The selection confirmation result may include the following content: the AID of the card application to be traded, and the transaction content. Transaction content, including but not limited to: terminal device identification, transaction amount, and transaction identification.

S3104. The terminal device displays the interface of the card application to be traded.

Exemplarily, after the terminal device determines that the payment transaction process can be completed by using the current default payment application of the terminal device, it determines that the current default payment application of the terminal device is the card application to be traded, and then the terminal device can display the card to be traded The interface of the application, which includes but is limited to the following information: icon information, picture information, balance information of the card application, limit information of the card application, and so on. Furthermore, the terminal device prompts the user which card application the current card application to be traded is.

Among them, the way of interface display can refer to the introduction of Figure 20-Figure 23.

Wherein, step S3104 is an optional step. The terminal device may first send a selection confirmation result to the payment collection device, and then display the interface of the card application to be traded. Alternatively, the terminal device may first display the interface of the card application to be traded, and then send a selection confirmation result to the payment collection device. Alternatively, the terminal device displays the interface of the card application to be traded while sending the selection confirmation result to the payment collection device.

S3105. The terminal device receives the transaction instruction sent by the payment collection device, where the transaction instruction is used to instruct transaction processing.

For example, this step may refer to step S2907, and details are not repeated here.

S3106. The terminal device performs transaction processing, generates transaction result information, and sends the transaction result information to the payment collection device, where the transaction result information represents whether the transaction is successful.

For example, this step may refer to step S2908, and details are not repeated here.

S3107. The terminal device displays transaction result information.

For example, this step may refer to step S2909, and details are not repeated here.

Wherein, step 3107 may not be executed. Alternatively, step S3107 may be performed after step S3106. Alternatively, step S3107 may be performed before step S3106. Alternatively, step S3106 and step S3107 may be performed simultaneously.

In this embodiment, the terminal device receives the card selection instruction sent by the payment collection device, and the card selection instruction is used to indicate the AIDs of multiple card applications; thus, the terminal device can determine the AID of each AID indicated by the card selection instruction according to the AID list. Corresponding to each card application; for each AID indicated by the card selection instruction, if the terminal device determines that there is a card application corresponding to the AID indicated by the card selection instruction in the AID list, it determines that the terminal device supports the card application. Then, if the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction has the current default payment application of the terminal device, the terminal device does not need to change the payment method, and the terminal device can directly send the selection confirmation result to the payment collection device , and further inform the payment collection device that the terminal device supports the card application corresponding to the AID indicated by the card selection instruction; and, the selection confirmation result needs to indicate the card application to be traded, and the card application to be traded is the current default payment application of the terminal device . The terminal device can also display the interface of the card application to be traded, and then prompt the user which card application is the current card application to be traded; in this embodiment, the terminal device does not need to modify the default payment application. Indicate the AID through the card selection instruction, and then the terminal device determines whether to support the card application supported by the AID according to the AID, and if it is determined that the card application corresponding to the AID indicated by the card selection instruction has the current default payment application, then the terminal device The current default payment application can be directly invoked for subsequent transaction processing, and the current default payment application can be invoked through the AID of the card selection command. The terminal device then receives the transaction instruction sent by the payment collection device to complete the transaction process. The terminal device feeds back the transaction result information to the payment collection device, and informs the payment collection device of the transaction result.

FIG. 32 is another signaling diagram of an application processing method provided by the embodiment of the present application. As shown in Figure 32, methods may include:

S3201. The terminal device receives a card selection instruction sent by the payment collection device, where the card selection instruction is used to indicate multiple AIDs.

For example, this step may refer to step S2901, and details are not repeated here.

S3202. If the terminal device does not determine each card application corresponding to each AID indicated by the card selection instruction according to the AID list, where the AID list is used to indicate the correspondence between the AID and the card application, generate and display a prompt Information; the prompt information indicates that the terminal device does not support each card application corresponding to each AID indicated by the card selection instruction.

Exemplarily, an AID list has been pre-stored in the terminal device. For the introduction of the AID list, please refer to step S402, and details will not be repeated here.

After the terminal device receives the card selection instruction, the terminal device determines the card application corresponding to the AID indicated by the card selection instruction according to the AID list. If the terminal device determines that each card application corresponding to each AID indicated by the card selection instruction does not exist in the AID list according to the AID list, the terminal device determines that each card application corresponding to each AID indicated by the card selection instruction Neither is a payment application, and the terminal device determines that the terminal device does not support each card application corresponding to each AID indicated by the card selection instruction.

Then, the terminal device displays an interface, which includes prompt information, and the prompt information is used to remind the user that each card application corresponding to each AID indicated by the card selection instruction is not a payment application, and the terminal device does not support the card selection instruction. Each card application corresponding to each indicated AID. The interface at this time is the "fourth page". For the display mode of the interface, please refer to Figure 25.

Alternatively, the prompt information may be a voice message, a vibration prompt, and so on.

S3203. The terminal device sends prompt information to the payment collection device; the prompt information indicates that the terminal device does not support each card application corresponding to each AID indicated by the card selection instruction.

Exemplarily, the terminal device may also send the above prompt information to the payment collection device, and then inform the payment collection device that the terminal device does not support each card application corresponding to each AID indicated by the card selection instruction.

Wherein, the execution order of step S3202 and step S3203 is not limited. The terminal device may first display the prompt information, and then send the prompt information to the payment collection device. Alternatively, the terminal device may send prompt information to the payment collection device, and then display the prompt information. Alternatively, the terminal device sends prompt information to the payment collection device while displaying the prompt information.

In this embodiment, the terminal device receives the card selection instruction sent by the payment collection device, and the card selection instruction is used to indicate the AIDs of multiple card applications; thus, the terminal device can determine the AID of each AID indicated by the card selection instruction according to the AID list. corresponding to each card application. For each AID indicated by the card selection instruction, if the terminal device determines that there is a card application corresponding to the AID indicated by the card selection instruction in the AID list, it determines that the terminal device supports the card application. If the terminal device determines that each card application corresponding to each AID indicated by the card selection instruction does not exist in the AID list according to the AID list, the terminal device determines that each card application corresponding to each AID indicated by the card selection instruction Neither is a payment application, and the terminal device determines that the terminal device does not support each card application corresponding to each AID indicated by the card selection instruction. The terminal device needs to send a prompt message to the user and the payment collection device, and then inform the user and the payment collection device that "the terminal device does not support each card application corresponding to each AID indicated by the card selection instruction". Indicate the AID through the card selection instruction, and then the terminal device determines whether to support the card application supported by the AID according to the AID, and if it is determined that each card application corresponding to each AID indicated by the card selection instruction does not exist in the AID list, then The terminal device determines that it does not support the card application corresponding to the AID indicated by the card selection instruction, and thus cannot complete subsequent transaction processing.

FIG. 33 is a signaling diagram of still another application processing method provided by the embodiment of the present application. As shown in Figure 33, methods may include:

S3301. The terminal device receives a card selection instruction sent by the payment collection device. The card selection instruction is used to indicate multiple AIDs, and the card selection instruction is also used to indicate transaction processing. Alternatively, the terminal device receives a card selection instruction and a transaction instruction sent by the payment collection device, the card selection instruction is used to indicate multiple AIDs, and the transaction instruction is used to indicate transaction processing.

Exemplarily, when the terminal device approaches the payment collection device and needs to complete the transaction, the payment collection device will send field strength information, and the field strength information includes multiple AIDs and transaction instructions.

In one example, when the terminal device is close to the payment collection device and needs to complete the transaction, the payment collection device will send field strength information, and the field strength information includes a card selection instruction. The card selection instruction issued by the payment collection device is used to indicate the AIDs of multiple card applications, and the card selection instruction is also used to represent the need for transaction processing. The card selection instruction also includes but is not limited to: terminal equipment identification, transaction amount , transaction ID, transaction time, account name, etc. Alternatively, the card selection instruction issued by the payment collection device includes AIDs of multiple card applications, and the card selection instruction is also used to indicate that transaction processing is required. The card selection instruction also includes but is not limited to: terminal device identification, transaction amount, Transaction ID, transaction time, account name, etc.

In another example, when the terminal device is close to the payment collection device and needs to complete the transaction, the payment collection device will send field strength information, and the field strength information includes a card selection instruction and a transaction instruction. The card selection instruction is used to indicate the AID of multiple card applications, and the transaction instruction indicates that transaction processing is required; the transaction instruction also includes but is not limited to: terminal device identification, transaction amount, transaction identification, transaction time, account name, etc. wait. Alternatively, the card selection instruction includes multiple card application AIDs, and the transaction instruction indicates that transaction processing is required, and the transaction instruction also includes but is not limited to: terminal device identification, transaction amount, transaction identification, transaction time, account name, etc. .

S3302. The terminal device determines each card application corresponding to each AID indicated by the card selection instruction according to the AID list, wherein the AID list is used to indicate the correspondence between the AID and the card application.

For example, this step may refer to step S2902, and details are not repeated here.

S3303. If the terminal device determines that each card application corresponding to each AID indicated by the card selection instruction is not the current default payment application, then from each card application corresponding to each AID indicated by the card selection instruction, Determine the card application to be traded and activate the card application to be traded.

For example, this step may refer to step S2903, and details are not repeated here.

S3304. The terminal device sets the card application to be traded as the default payment application.

For example, this step may refer to step S2904, and details are not repeated here. S3304 is an optional step.

S3305. The terminal device displays the interface of the card application to be traded.

For example, this step may refer to step S2905, and details are not repeated here.

S3306. The terminal device sends a selection confirmation result to the payment collection device, wherein the selection confirmation result is used to indicate that the terminal device supports the card application corresponding to the AID indicated by the card selection instruction, and the selection confirmation result is used to indicate the card application to be traded.

Exemplarily, since the terminal device determines the application of the card to be traded in step S3303, the terminal device generates a selection confirmation result. At this time, the selection confirmation result indicates that the terminal device supports the card corresponding to an AID indicated by the card selection instruction. The selection confirmation result is used to indicate the card application to be transacted; the terminal device sends the selection confirmation result to the payment collection device, and then notifies the payment collection device that the transaction processing can be completed using the card application to be transacted. In this embodiment, since the payment collection device has issued multiple AIDs, in this step, the selection confirmation result needs to indicate the card application to be traded.

The selection confirmation result may include the following content: the AID of the card application to be traded, and the transaction content. Transaction content, including but not limited to: terminal device identification, transaction amount, and transaction identification.

Wherein, the execution sequence of step S3305 and step S3306 is not limited. Step S3305 may be executed first, and then step S3306 is executed. Alternatively, step S3306 may be executed first, and then step S3305 may be executed. Alternatively, step S3305 and step S3306 may be performed simultaneously.

S3307. The terminal device completes the transaction processing, and sends transaction result information to the payment collection device, wherein the transaction result information represents whether the transaction is successful.

Exemplarily, in this embodiment, the terminal device receives the AID and the transaction instruction in step S3301, then the terminal device determines the card application to be traded in step S3303, and the terminal device can directly perform transaction processing.

In an example, step S3307 may be performed after step S3306. Alternatively, step S3307 may be performed after step S3303.

The terminal device completes the transaction process according to the instructions of the card selection instruction, or completes the transaction process according to the transaction instructions. After the terminal device confirms that the transaction is completed, or after the terminal device confirms that the transaction fails, it sends transaction result information to the payment collection device, and the transaction result information indicates whether the transaction is successful; the terminal device informs the payment collection device of the transaction result. Reference may be made to the introduction of step S2607, and details are not repeated here.

S3308. The terminal device displays transaction result information.

For example, for this step, reference may be made to the above step S2909, and details are not repeated here.

Wherein, step S3308 may not be executed. Alternatively, alternatively, the terminal device displays the transaction result information after sending the transaction result information to the payment collection device. Alternatively, the terminal device sends the transaction result information to the payment collection device after displaying the transaction result information. Alternatively, the terminal device displays the transaction result information while sending the transaction result information to the payment collection device.

In this embodiment, the terminal device receives the card selection instruction sent by the payment collection device, the card selection instruction is used to indicate multiple AIDs, and the card selection instruction is also used to instruct transaction processing; or, the terminal device receives the card selection instruction sent by the payment collection device Instructions and transaction instructions, the card selection instruction is used to instruct multiple AIDs, and the transaction instruction is used to instruct transaction processing. Furthermore, the terminal device simultaneously receives multiple AIDs and transaction instructions. The terminal device can determine each card application corresponding to each AID indicated by the card selection instruction according to the AID list; for each AID indicated by the card selection instruction, if the terminal device determines that the AID list has the When the card application corresponding to the AID is used, it is determined that the terminal device supports the card application. Then, if the terminal device determines that each card application corresponding to each AID indicated by the card selection instruction is not the current default payment application, the terminal device needs to change the payment method. In each corresponding card application, determine a card application to be traded, and activate the card application to be traded, so as to complete the subsequent payment process, and then the terminal device will automatically determine the card application that needs to be traded, without the need for the user to be in the terminal Manually modify the card application that needs to be traded to the default payment application in the device, which speeds up the transaction process between the terminal device and the payment collection device, and improves the user experience. When the terminal device activates the card application to be traded, it can also set the card application to be traded as the default payment application, so that the terminal device can automatically modify the default payment application, without requiring the user to manually replace the default payment application. Moreover, when the terminal device activates the card application to be traded, it can also display the interface of the card application to be traded, and then prompt the user which card application the current card application to be traded is; if the terminal device modifies the default payment application, then This interface is also used to prompt the user to modify the default payment application. After the terminal device activates the card application to be traded, it sends a selection confirmation result to the payment collection device, and then notifies the payment collection device that the terminal device supports the card application to be traded. The terminal device has obtained the transaction instruction, and then the terminal device can directly complete the transaction processing process after activating the card application to be traded. The terminal device feeds back the transaction result information to the payment collection device, and informs the payment collection device of the transaction result.

FIG. 34 is a signaling diagram of yet another application processing method provided by the embodiment of the present application. As shown in Figure 24, methods may include:

S3401. The terminal device receives a card selection instruction sent by the payment collection device. The card selection instruction is used to indicate multiple AIDs, and the card selection instruction is also used to indicate transaction processing. Alternatively, the terminal device receives a card selection instruction and a transaction instruction sent by the payment collection device, the card selection instruction is used to indicate multiple AIDs, and the transaction instruction is used to indicate transaction processing.

For example, this step can refer to the above step S3301, and details are not repeated here.

S3402. The terminal device determines each card application corresponding to each AID indicated by the card selection instruction according to the AID list, wherein the AID list is used to indicate the correspondence between the AID and the card application.

For example, this step may refer to step S3302, and details are not repeated here.

S3403. If the terminal device determines that each card application corresponding to each AID indicated by the card selection instruction has a current default payment application, it sends a selection confirmation result to the payment collection device, wherein the selection confirmation result is used to represent the terminal device The card application corresponding to the AID indicated by the card selection instruction is supported, and the selection confirmation result is used to indicate the card application to be traded, and the card application to be traded is the current default payment application of the terminal device.

For example, this step may refer to step S3103, and details are not repeated here.

S3404. The terminal device displays the interface of the card application to be traded.

For example, this step may refer to step S3104, and details are not repeated here.

Wherein, step S3404 is an optional step. The terminal device may first send a selection confirmation result to the payment collection device, and then display the interface of the card application to be traded. Alternatively, the terminal device may first display the interface of the card application to be traded, and then send a selection confirmation result to the payment collection device. Alternatively, the terminal device displays the interface of the card application to be traded while sending the selection confirmation result to the payment collection device.

S3405. The terminal device completes the transaction processing, and sends transaction result information to the payment collection device, wherein the transaction result information represents whether the transaction is successful.

Exemplarily, in this embodiment, the terminal device receives the AID and the transaction instruction in step S3401, if the terminal device determines in step S3403 according to the AID list that each card corresponding to each AID indicated by the card selection instruction If there is the current default payment application of the terminal device in the application, the terminal device can directly perform transaction processing. For this step, reference may be made to step S2705, and details are not repeated here.

In an example, step S3405 may be performed after step S3404. Alternatively, step S3405 may be performed after step S3403.

S3406. The terminal device displays transaction result information.

For example, this step may refer to the above step S409, and details are not repeated here.

Wherein, step S3406 may not be executed. Alternatively, the terminal device displays the transaction result information after sending the transaction result information to the payment collection device. Alternatively, the terminal device sends the transaction result information to the payment collection device after displaying the transaction result information. Alternatively, the terminal device displays the transaction result information while sending the transaction result information to the payment collection device.

In this embodiment, the terminal device receives the card selection instruction sent by the payment collection device, the card selection instruction is used to indicate multiple AIDs, and the card selection instruction is also used to instruct transaction processing; or, the terminal device receives the card selection instruction sent by the payment collection device Instructions and transaction instructions, the card selection instruction is used to instruct multiple AIDs, and the transaction instruction is used to instruct transaction processing. Furthermore, the terminal device simultaneously receives multiple AIDs and transaction instructions. If the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction has the current default payment application of the terminal device, the terminal device does not need to change the payment method, and the terminal device can directly send the selection confirmation result to the payment collection device, and then Notify the payment collection device that the terminal device supports the card application corresponding to the AID indicated by the card selection instruction; and, the selection confirmation result needs to indicate the card application to be traded, and the card application to be traded is the current default payment application of the terminal device. The terminal device can also display the interface of the card application to be traded, and then prompt the user which card application is the current card application to be traded; in this embodiment, the terminal device does not need to modify the default payment application. Indicate the AID through the card selection instruction, and then the terminal device determines whether to support the card application supported by the AID according to the AID, and if it is determined that the card application corresponding to the AID indicated by the card selection instruction has the current default payment application, then the terminal device The current default payment application can be directly invoked for subsequent transaction processing, and the current default payment application can be invoked through the AID of the card selection command. The terminal device has obtained the transaction instruction, and then the terminal device can directly complete the transaction processing process after determining the card application to be traded. The terminal device feeds back the transaction result information to the payment collection device, and informs the payment collection device of the transaction result.

FIG. 35 is a signaling diagram of another application processing method provided by the embodiment of the present application. As shown in Figure 25, methods may include:

S3501. The terminal device receives a card selection instruction sent by the payment collection device. The card selection instruction is used to indicate multiple AIDs, and the card selection instruction is also used to indicate transaction processing. Alternatively, the terminal device receives a card selection instruction and a transaction instruction sent by the payment collection device, the card selection instruction is used to indicate multiple AIDs, and the transaction instruction is used to indicate transaction processing.

For example, this step can refer to the above step S3301, and details are not repeated here.

S3502. If the terminal device does not determine each card application corresponding to each AID indicated by the card selection instruction according to the AID list, where the AID list is used to indicate the correspondence between the AID and the card application, generate and display a prompt Information; wherein, the prompt information indicates that the terminal device does not support each card application corresponding to each AID indicated by the card selection instruction.

Exemplarily, an AID list has been pre-stored in the terminal device. For the introduction of the AID list, please refer to step S402, and details will not be repeated here.

After the terminal device receives the card selection instruction, the terminal device determines the card application corresponding to the AID indicated by the card selection instruction according to the AID list. If the terminal device determines that each card application corresponding to each AID indicated by the card selection instruction does not exist in the AID list according to the AID list, the terminal device determines that each card application corresponding to each AID indicated by the card selection instruction Neither is a payment application, and the terminal device determines that the terminal device does not support each card application corresponding to each AID indicated by the card selection instruction.

Then, the terminal device displays an interface, which includes prompt information, and the prompt information is used to remind the user that each card application corresponding to each AID indicated by the card selection instruction is not a payment application, and the terminal device does not support the card selection instruction. Each card application corresponding to each indicated AID. The interface at this time is the "fourth page". For the display mode of the interface, please refer to Figure 25.

Alternatively, the prompt information may be a voice message, a vibration prompt, and so on.

S3503. The terminal device sends prompt information to the payment collection device; wherein, the prompt information indicates that the terminal device does not support each card application corresponding to each AID indicated by the card selection instruction.

Exemplarily, the terminal device may also send the above prompt information to the payment collection device, and then inform the payment collection device that the terminal device does not support each card application corresponding to each AID indicated by the card selection instruction.

Wherein, the execution order of step S3502 and step S3503 is not limited. The terminal device may first display the prompt information, and then send the prompt information to the payment collection device. Alternatively, the terminal device may send prompt information to the payment collection device, and then display the prompt information. Alternatively, the terminal device sends prompt information to the payment collection device while displaying the prompt information.

In this embodiment, the terminal device receives the card selection instruction sent by the payment collection device, the card selection instruction is used to indicate multiple AIDs, and the card selection instruction is also used to instruct transaction processing; or, the terminal device receives the card selection instruction sent by the payment collection device Instructions and transaction instructions, the card selection instruction is used to instruct multiple AIDs, and the transaction instruction is used to instruct transaction processing. Furthermore, the terminal device simultaneously receives multiple AIDs and transaction instructions. If the terminal device determines that each card application corresponding to each AID indicated by the card selection instruction does not exist in the AID list according to the AID list, the terminal device determines that each card application corresponding to each AID indicated by the card selection instruction Neither is a payment application, and the terminal device determines that the terminal device does not support each card application corresponding to each AID indicated by the card selection instruction. The terminal device needs to send a prompt message to the user and the payment collection device, and then inform the user and the payment collection device that "the terminal device does not support each card application corresponding to each AID indicated by the card selection instruction". Indicate the AID through the card selection instruction, and then the terminal device determines whether to support the card application supported by the AID according to the AID, and if it is determined that each card application corresponding to each AID indicated by the card selection instruction does not exist in the AID list, then The terminal device determines that it does not support the card application corresponding to the AID indicated by the card selection instruction, and thus cannot complete subsequent transaction processing.

Fig. 36 is a flow chart of another application processing method provided by the embodiment of the present application. As shown in Fig. 36, the method may include:

S3601. Receive the card selection instruction sent by the payment collection device, wherein the card selection instruction is used to indicate the application identifiers of N card applications, N is a positive integer greater than or equal to 1, and determine the card selection instruction according to the preset application identifier list. The card application corresponding to the indicated application identifier; wherein, the application identifier list is used to indicate the correspondence between the application identifier and the card application.

Exemplarily, when the terminal device is close to the payment collection device and needs to complete the transaction, the payment collection device will send field strength information, and the field strength information is a card selection instruction; the card selection instruction sent by the payment collection device contains the AID of the card application , or, the card selection instruction issued by the payment collection device represents the AID of the card application. In this embodiment, the card selection instruction received by the terminal device indicates the AID of one card application; or, the card selection instruction received by the terminal device indicates the AID of each card application in multiple card applications.

S3602. If it is determined that the card application corresponding to the application identifier indicated by the card selection instruction is not the current default payment application of the terminal device, determine the card application to be traded according to the card application corresponding to the application identifier indicated by the card selection instruction .

Exemplarily, an AID list has been pre-stored in the terminal device. The AID list includes at least one AID of the card application. For the AID list, refer to the introduction of step S402.

The terminal device determines each card application corresponding to each IAD indicated by the card selection instruction according to the AID list.

If the card selection instruction indicates the AID of a card application, when the terminal device determines that the card application corresponding to the AID indicated by the card selection instruction is not the current default payment application of the terminal device, the terminal device can directly determine the card application indicated by the card selection instruction. The card application corresponding to the AID is the card application to be traded.

If the card selection instruction indicates multiple card application AIDs, when the terminal device determines that each card application corresponding to each AID indicated by the card selection instruction is not the current default payment application of the terminal device, the terminal device starts from the selected card application. Among the card applications corresponding to the AID indicated by the card instruction, select a card application as the card application to be traded. For example, the terminal device randomly selects a card application from the card applications corresponding to the AID indicated by the card selection instruction as the card application to be traded. For another example, from the card applications corresponding to the AID indicated by the card selection instruction, the terminal device determines the card application with the highest priority among the card applications corresponding to the AID indicated by the card selection instruction according to the priority of the card applications, as the card application to be used. Card application for transactions.

S3603. Perform transaction processing according to the card application to be transacted.

Exemplarily, after the terminal device determines the card application to be traded, the terminal device can complete the transaction processing process according to the card application to be traded.

In this embodiment, the terminal device receives the card selection instruction sent by the payment collection device, and the card selection instruction is used to indicate the application identification; thus, the terminal device can determine the card application corresponding to the application identification indicated by the card selection instruction according to the application identification list. ; When the terminal device determines the card application corresponding to the application identification indicated by the card selection instruction, it determines that the terminal equipment supports the card application corresponding to the application identification indicated by the card selection instruction; then, if the terminal equipment determines that the card selection instruction indicates If the card application corresponding to the application ID of the application ID is not the current default payment application, the terminal device needs to change the payment method, and the terminal device determines a card application to be traded according to the card application corresponding to the application ID indicated by the card selection instruction. The card application to be transacted performs transaction processing. The terminal device automatically determines the card application that needs to be traded, without the need for the user to manually modify the card application that needs to be traded to the default payment application in the terminal device, which speeds up the transaction process between the terminal device and the payment collection device, and improves user experience.

The foregoing mainly introduces the solutions provided by the embodiments of the present application from the perspective of methods. In order to realize the above functions, it includes corresponding hardware structures and/or software modules for performing various functions. Those skilled in the art should easily realize that, in combination with the method steps of the examples described in the embodiments disclosed herein, the present application can be implemented in the form of hardware or a combination of hardware and computer software. Whether a certain function is executed by hardware or computer software drives hardware depends on the specific application and design constraints of the technical solution. Skilled artisans may use different methods to implement the described functions for each specific application, but such implementation should not be regarded as exceeding the scope of the present application.

The embodiment of the present application may divide the apparatus of the device communication method into functional modules according to the above method example, for example, each functional module may be divided corresponding to each function, or two or more functions may be integrated into one processing module. The above-mentioned integrated modules can be implemented in the form of hardware or in the form of software function modules. It should be noted that the division of modules in the embodiment of the present application is schematic, and is only a logical function division, and there may be other division methods in actual implementation.

FIG. 37 is a schematic structural diagram of a chip provided by an embodiment of the present application. The chip 370 includes one or more than two (including two) processors 3701 , communication lines 3702 , communication interfaces 3703 and memory 3704 .

In some implementations, memory 3704 stores elements such as executable modules or data structures, or subsets thereof, or extensions thereof.

The methods described in the foregoing embodiments of the present application may be applied to the processor 3701 or implemented by the processor 3701 . The processor 3701 may be an integrated circuit chip with signal processing capability. During implementation, each step of the method performed by the above-mentioned first device or second device may be completed by an integrated logic circuit of hardware in the processor 3701 or instructions in the form of software. The above-mentioned processor 3701 may be a general-purpose processor (for example, a microprocessor or a conventional processor), a digital signal processor (digital signal processing, DSP), an application specific integrated circuit (application specific integrated circuit, ASIC), an off-the-shelf programmable gate array (field-programmable gatearray, FPGA) or other programmable logic devices, discrete gates, transistor logic devices or discrete hardware components, the processor 3701 can implement or execute the methods, steps and logic block diagrams disclosed in the embodiments of the present application.

The steps of the method disclosed in connection with the embodiments of the present application may be directly implemented by a hardware decoding processor, or implemented by a combination of hardware and software modules in the decoding processor. Wherein, the software module may be located in a mature storage medium in the field such as random access memory, read-only memory, programmable read-only memory, or electrically erasable programmable read only memory (EEPROM). The storage medium is located in the memory 3704, and the processor 3701 reads the information in the memory 3704, and completes the steps of the above method in combination with its hardware.

The processor 3701 , the memory 3704 and the communication interface 3703 can communicate through the communication line 3702 .

FIG. 38 is a schematic structural diagram of a terminal device provided in an embodiment of the present application. As shown in FIG. 38 , a terminal device 3800 includes the above chip and a display unit. The display unit is configured to perform the steps of displaying in the method provided by the foregoing embodiments.

The embodiment of this embodiment also provides an application processing system, which includes the above-mentioned terminal device and the above-mentioned payment collection device.

In the above embodiments, the instructions stored in the memory for execution by the processor may be implemented in the form of computer program products. Wherein, the computer program product may be written in the memory in advance, or may be downloaded and installed in the memory in the form of software.

The embodiment of the present application also provides a computer program product including one or more computer instructions. When the computer program instructions are loaded and executed on the computer, the processes or functions according to the embodiments of the present application will be generated in whole or in part. The computer can be a general purpose computer, special purpose computer, computer network, or other programmable apparatus. Computer instructions may be stored in or transmitted from one computer-readable storage medium to another computer-readable storage medium, e.g. Coaxial cable, optical fiber, digital subscriber line (digital subscriber line, DSL) or wireless (such as infrared, wireless, microwave, etc.) transmission to another website site, computer, server or data center. Computer readable storage medium can be Any available media capable of being stored by a computer or a data storage device such as a server, data center, etc. integrated with one or more available media. For example, available media may include magnetic media (e.g., floppy disks, hard disks, or tapes), optical media (e.g., A digital versatile disc (digital versatile disc, DVD)), or a semiconductor medium (for example, a solid state disk (solid state disk, SSD)), etc.

The embodiment of the present application also provides a computer-readable storage medium. The methods described in the foregoing embodiments may be fully or partially implemented by software, hardware, firmware or any combination thereof. Computer-readable media may include computer storage media and communication media, and may include any medium that can transfer a computer program from one place to another. A storage media may be any target media that can be accessed by a computer.

As a possible design, the computer-readable medium may include compact disc read-only memory (compactdisc read-only memory, CD-ROM), RAM, ROM, EEPROM or other optical disk storage; the computer-readable medium may include magnetic disk storage or other disk storage devices. Also, any connected cord is properly termed a computer-readable medium. For example, if the software is transmitted from a website, server, or other remote source using coaxial cable, fiber optic cable, twisted pair, DSL, or wireless technologies such as infrared, radio, and microwave, then coaxial cable, fiber optic cable, twisted pair, DSL or wireless technologies such as infrared, radio and microwave are included in the definition of medium. Disk and disc, as used herein, includes compact disc (CD), laser disc, optical disc, digital versatile disc (DVD), floppy disk and blu-ray disc where disks usually reproduce data magnetically, while discs reproduce data optically with lasers. reproduce the data.

Combinations of the above should also be included within the scope of computer-readable media. The above is only a specific implementation of the application, but the scope of protection of the application is not limited thereto. Anyone familiar with the technical field can easily think of changes or substitutions within the technical scope disclosed in the application. Should be covered within the protection scope of this application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

Claims (25)

1. An application processing method, characterized in that the method is applied to a terminal device, and the method comprises: receiving the card selection instruction sent by the payment collection device, wherein the card selection instruction is used to indicate the application identifiers of N card applications, N is a positive integer greater than or equal to 1, and the card selection is determined according to the preset application identifier list The card application corresponding to the application identifier indicated by the instruction; wherein, the application identifier list is used to indicate the correspondence between the application identifier and the card application; If it is determined that the card application corresponding to the application identifier indicated by the card selection instruction is not the current default payment application of the terminal device, then according to the card application corresponding to the application identifier indicated by the card selection instruction, determine to Card application for transactions; Perform transaction processing according to the card application to be transacted; If N is greater than or equal to 1, then determine the card application to be traded according to the card application corresponding to the application identifier indicated by the card selection instruction, including: Determining that any one of the card applications corresponding to the application identifier indicated by the card selection instruction is the card application to be traded; or, According to the priority of the card application corresponding to the application identifier indicated by the card selection instruction, determine the card application to be traded from among the card applications corresponding to the application identifier indicated by the card selection instruction; or, Displaying the card application corresponding to the application identifier indicated by the card selection instruction; in response to the trigger operation, determining that the card application indicated by the trigger operation is the card application to be traded. 2. The method according to claim 1, wherein if N is 1, determining the card application to be traded according to the card application corresponding to the application identification indicated by the card selection instruction, including: Determining that the card application corresponding to the application identifier indicated by the card selection instruction is the card application to be traded. 3. The method according to claim 1, wherein, according to the priority of the card application corresponding to the application identifier indicated by the card selection instruction, the card application identifier corresponding to the application identifier indicated by the card selection instruction In the card application, when determining the card application to be traded, the card selection instruction is also used to indicate the priority of the card application; or, the priority is stored by the terminal device. 4. The method according to any one of claims 1-3, characterized in that, after determining the card application to be traded according to the card application corresponding to the application identification indicated by the card selection instruction, further comprising: The card application to be traded is set as the default payment application of the terminal device. 5. The method according to claim 4, characterized in that, after determining the card application to be traded according to the card application corresponding to the application identification indicated by the card selection instruction, further comprising: Setting the current default payment application of the terminal device to an unselected state on the first page, wherein the first page is used to display each card application supported by the terminal device; The card application to be traded is set to a selected state on the first page, wherein the selected state indicates that the card application to be traded is a default payment application of the terminal device. 6. The method according to claim 4, characterized in that, after determining the card application to be traded according to the card application corresponding to the application identification indicated by the card selection instruction, further comprising: If the current default payment application of the terminal device and the card application to be traded are both card applications of the first category, then set the current default payment application of the terminal device to an unselected state on the second page; Wherein, the second page is used to display the first category of card applications supported by the terminal device; the first category indicates that the card application is a currency transaction card application; The card application to be traded is set to a selected state on the second page; wherein the selected state indicates that the card application to be traded is a default payment application of the terminal device. 7. The method according to claim 4, characterized in that, after determining the card application to be traded according to the card application corresponding to the application identification indicated by the card selection instruction, further comprising: If the current default payment application of the terminal device is a card application of the first category, and the card application to be traded is a card application of the second category, then set the current default payment application of the terminal device on the second page The payment application is in an unselected state; wherein, the second page is used to display the card application of the first category supported by the terminal device; the first category indicates that the card application is a currency transaction card application, and the second page The category characterizes card applications as card applications for non-monetary transactions; The card application to be traded is set in the selected state on the third page; wherein, the third page is used to display the card application of the second category supported by the terminal device, and the selected state represents the card application to be traded The card application of is the default payment application of the terminal device. 8. The method according to claim 4, characterized in that, after determining the card application to be traded according to the card application corresponding to the application identification indicated by the card selection instruction, further comprising: If the current default payment application of the terminal device is a card application of the second category, and the card application to be traded is a card application of the first category, set the current default payment application of the terminal device on the third page The payment application is in an unselected state; wherein, the third page is used to display the card application of the second category supported by the terminal device; the first category indicates that the card application is a currency transaction card application, and the second The category characterizes card applications as card applications for non-monetary transactions; The card application to be traded is set to a selected state on the second page; wherein, the second page is used to display the card application of the first category supported by the terminal device, and the selected state represents the card application to be traded The card application is the default payment application of the terminal device. 9. The method according to claim 4, characterized in that, after determining the card application to be traded according to the card application corresponding to the application identification indicated by the card selection instruction, further comprising: If the current default payment application of the terminal device and the card application to be traded are both card applications of the second category, then set the current default payment application of the terminal device to an unselected state on the third page; Wherein, the third page is used to display the second category of card applications supported by the terminal device; the second category indicates that the card application is a card application for non-monetary transactions; The card application to be traded is set to a selected state on the third page; wherein the selected state indicates that the card application to be traded is a default payment application of the terminal device. 10. The method according to any one of claims 1-3, 5-9, characterized in that the method further comprises: If it is determined that the card application corresponding to the application identifier indicated by the card selection instruction has the current default payment application of the terminal device, then determine that the current default payment application of the terminal device is the card application to be traded ; Perform transaction processing according to the card application to be transacted. 11. according to the method described in any one of claim 1-3,5-9, it is characterized in that, described method also comprises: If the card application corresponding to the application identifier indicated by the card selection instruction is not determined according to the application identifier list, then generate prompt information; wherein the prompt information indicates that the terminal device does not support the card application indicated by the card selection instruction The card application corresponding to the indicated application identifier; Send the prompt information to the payment collection device. 12. The method according to claim 11, further comprising: after the prompt information is generated: Display the prompt message. 13. The method according to claim 12, wherein displaying the prompt information includes one or more of the following: The prompt information is displayed on the fourth page; the prompt information is played by voice; the prompt information is a vibration prompt. 14. The method according to any one of claims 1-3, 5-9, 12-13, characterized in that, before performing transaction processing according to the card application to be transacted, further comprising: An interface of the card application to be traded is displayed. 15. The method according to claim 14, wherein displaying the interface of the card application to be traded comprises: Displaying the interface of the card application to be traded on the fifth page, wherein the fifth page is used to display the current card application to be traded in the terminal device; Alternatively, the interface of the card application to be traded is displayed on the sixth page, wherein the sixth page is used to display the current card application to be traded on the terminal device, and the sixth page is also used to Each card application supported by the terminal device is displayed; the card application to be traded is located at the top of the sixth page. 16. The method according to any one of claims 1-3, 5-9, 12-13, 15, characterized in that before performing transaction processing according to the card application to be traded, further comprising: Sending a selection confirmation result to the payment collection device, wherein the selection confirmation result is used to characterize the card application to be traded. 17. The method according to any one of claims 1-3, 5-9, 12-13, 15, characterized in that, according to the card application to be traded, performing transaction processing includes: receiving a transaction instruction sent by the payment collection device, wherein the transaction instruction is used to instruct transaction processing; Perform transaction processing on the card application to be traded according to the transaction instruction, and generate transaction result information; wherein, the transaction result information indicates whether the transaction is successful; Send the transaction result information to the payment collection device. 18. The method according to any one of claims 1-3, 5-9, 12-13, 15, characterized in that the card selection instruction is also used to instruct transaction processing; applications, for transaction processing, including: According to the card selection instruction, perform transaction processing on the card application to be traded, and generate transaction result information; wherein, the transaction result information represents whether the transaction is successful; Send the transaction result information to the payment collection device. 19. The method according to any one of claims 1-3, 5-9, 12-13, 15, characterized in that the receiving the card selection instruction sent by the payment collection device includes: receiving the payment collection device The transaction instruction sent and the card selection instruction used to indicate the application identification, wherein the transaction instruction is used to instruct transaction processing; According to the card application to be traded, perform transaction processing, including: Perform transaction processing on the card application to be traded according to the transaction instruction, and generate transaction result information; wherein, the transaction result information indicates whether the transaction is successful; Send the transaction result information to the payment collection device. 20. The method according to claim 17, further comprising: after said generating transaction result information: Display the transaction result information. 21. The method according to claim 20, wherein displaying the transaction result information comprises: The transaction result information is displayed on the seventh page, and the seventh page is used to display the transaction result information and the card application to be traded; wherein, the transaction result information and the card application to be traded The interfaces are displayed side by side, or the transaction result information is displayed on the interface of the card application to be transacted. 22. The method according to any one of claims 1-3, 5-9, 12-13, 15, 20-21, wherein the method further comprises: If it is determined that the card application corresponding to the application identifier indicated by the card selection instruction is not the current default payment application of the terminal device, before performing transaction processing according to the card application to be traded, activate the pending Card application for transactions. 23. A terminal device, characterized by comprising: a unit for performing each step of the method according to any one of claims 1-22. 24. A terminal device, characterized by comprising: a processor, a display unit, and an interface circuit, the interface circuit is used for communicating with other devices, and the processor is used for executing the method described in any one of claims 1-22. The processing steps in the method, the display unit is used to execute the steps displayed in the method according to any one of claims 1-22. 25. A computer-readable storage medium, wherein the computer-readable storage medium stores instructions, and when the instructions are executed, the computer executes the method according to any one of claims 1-22.

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