CN115331331A

CN115331331A - Data processing method and system based on digital key and terminal equipment

Info

Publication number: CN115331331A
Application number: CN202111262031.0A
Authority: CN
Inventors: 曾望年
Original assignee: China Unionpay Co Ltd
Current assignee: China Unionpay Co Ltd
Priority date: 2021-10-28
Filing date: 2021-10-28
Publication date: 2022-11-11

Abstract

The present application relates to data processing technology, and more particularly, to a data processing method, system, terminal device based on a digital key, and computer readable storage medium for implementing the method. The data processing method according to the application comprises the following steps: A. receiving a data processing request from a terminal device, wherein the data processing request contains service data and a result that authentication performed by a digital key management platform on a digital key installed on the terminal device has passed; B. confirming a result that the authentication has passed through by interaction with the digital key management platform; and C, if the result that the authentication has passed is confirmed, processing the service data.

Description

Data processing method and system based on digital key and terminal equipment

Technical Field

The present application relates to data processing technology, and more particularly, to a data processing method, system, terminal device based on a digital key, and computer readable storage medium for implementing the method.

Background

Existing biometric-based authentication schemes bind a user's biometric to an account (e.g., payment account/bank card, etc.), and use the user's biometric information to perform authentication in a transaction such as payment. In the above scheme, the biometric information is usually collected locally by the user, and then the collected information is uploaded to the payment mechanism background system or the payment platform. Such management of biometric information inevitably increases the risk of personal privacy disclosure. Furthermore, biometrics are not randomly generated and are very stable, so the problem of leakage cannot be solved by replacing authentication information as with other schemes (e.g., key-based schemes).

Disclosure of Invention

A data processing method according to an aspect of the present application includes the steps of:

A. receiving a data processing request from a terminal device, wherein the data processing request contains service data and a result that the authentication of a digital key installed on the terminal device by a digital key management platform is passed;

B. confirming a result that the authentication has passed through by interaction with the digital key management platform; and

C. and if the authentication is confirmed through the result, processing the service data.

Optionally, the data processing method further includes:

D. and returning the processing result of the service data to the terminal equipment.

Optionally, in the data processing method, the service data is payment service data or access management service data.

Optionally, the steps of the data processing method are performed by a cloud computing platform or a data processing system.

A data processing system according to another aspect of the present application comprises:

a memory;

a processor; and

a computer program stored on the memory and executable on the processor, the execution of the computer program resulting in the following operations:

C. and if the authentication is confirmed through the passing result, processing the service data.

A data processing method according to another aspect of the present application includes the following steps performed by a first terminal device:

A. identifying a second terminal device based on a positioning signal broadcast by the second terminal device;

B. sending a data processing message containing service data to the second terminal device to prompt the second terminal device to send a data processing request containing the service data and a result that the authentication has passed to a data processing system or a cloud computing platform after the authentication performed on the digital key installed thereon by the digital key management platform;

C. and receiving a processing result about the service data, which is forwarded from the data processing system or the cloud computing platform by the second terminal equipment.

Optionally, the data processing method further includes the following steps:

D. sending an inquiry request about whether the second terminal equipment opens the data processing service based on the digital key to the data processing system or the cloud computing platform;

E. and if the service is opened, the data processing message is sent to an enabling state.

Optionally, in the data processing method, the positioning of the second terminal device is implemented based on one of the following items: UWB location technology, wi-Fi location technology, and bluetooth location technology.

A first terminal device according to another aspect of the present application includes:

a memory;

a processor; and

Optionally, the first terminal device is a cash receiving terminal or an access control device.

A computer-readable storage medium according to another aspect of the application, on which a computer program adapted to be downloaded by a first terminal device is stored, execution of the computer program on a processor of the first terminal device resulting in the following operations:

A. receiving a data processing message from a second terminal device, wherein the data processing message comprises service data;

B. requesting a digital key management platform to perform authentication on a digital key installed on the first terminal device; and

C. and if the authentication passes, sending a data processing request containing a result that the authentication has passed and the service data to a data processing system or a cloud computing platform, so that the data processing system or the cloud computing platform confirms the result that the authentication has passed through interaction with the digital key management platform and processes the service data after the result that the authentication has passed is confirmed.

Optionally, the first terminal device is one of the following: smart phones, wearable devices, portable computers, and tablet computers.

Optionally, executing the computer program on the processor of the first terminal device further results in the following operations:

D. broadcasting a positioning signal to enable the second terminal device to identify the first terminal device.

E. receiving a processing result of the business data from the data processing system or the cloud computing platform;

F. and sending the processing result of the service data to the second terminal equipment.

In some embodiments, a digital key installed on a smart terminal such as a mobile phone is used as the identity authentication information of the user in the payment service. Compared with the biological characteristic information and the like, the digital key has renewability and provides strict technical means to ensure safety in aspects of issuing, authentication and the like, so that the digital key is particularly suitable for application scenes (such as payment) with high safety requirements. Furthermore, in some embodiments, the terminal device involved in the data processing process can be determined by high-precision positioning technology such as UWB and data (payment information such as money amount, order and the like) can be pushed directly to the terminal device, which simplifies the operation flow compared to the way in which the user starts the data processing process by scanning the two-dimensional code using the terminal device.

Drawings

The foregoing and/or other aspects and advantages of the present application will become more apparent and more readily appreciated from the following description of the various aspects, taken in conjunction with the accompanying drawings, wherein like or similar elements are designated by like reference numerals. The drawings comprise:

fig. 1 illustrates a digital key-based payment scheme architecture, in accordance with some embodiments of the present application.

FIG. 2 is a schematic block diagram of a typical data processing system.

FIG. 3 is a flow diagram of a digital key based data processing method according to some embodiments of the present application.

Fig. 4 is a schematic block diagram of a typical terminal device.

FIG. 5 is a flow diagram of a digital key based data processing method according to some embodiments of the present application.

FIG. 6 is a flow diagram of a digital key based data processing method according to some embodiments of the present application.

Fig. 7 is a schematic block diagram of a typical user terminal.

Detailed Description

The present application will now be described more fully hereinafter with reference to the accompanying drawings, in which exemplary embodiments of the application are shown. This application may, however, be embodied in different forms and should not be construed as limited to the embodiments set forth herein. The embodiments described above are intended to be a complete and complete disclosure of the present disclosure, so as to more fully convey the scope of the present application to those skilled in the art.

In the present specification, words such as "comprise" and "comprising" mean that in addition to elements and steps directly and unequivocally stated in the specification and claims, the technical solutions of the present application do not exclude other elements and steps not directly or unequivocally stated.

Terms such as "first" and "second" do not denote an order of elements in time, space, size, etc., but rather are used to distinguish one element from another.

In this specification, a digital key refers to an electronic virtual key that may be installed or resident on a user's terminal device, for example, to perform functions such as unlocking and locking a vehicle. In some embodiments of the present application, a digital key is utilized to authenticate a user's identity, thereby extending the digital key to a variety of applications where authentication needs to be performed, including, but not limited to, payment processing and access management, for example.

In this specification, a cloud computing platform or cloud platform refers to a resource pool that provides services such as computing, networking, and storage in such a way that most of the computing resources are hosted on the internet and allocated to users on demand. Compared to the traditional model (almost all computing resources are localized, and computer applications, data storage and processing capabilities are close or relatively close to their users), the cloud computing model can maximize the overall utilization of resources.

A digital key based payment scheme architecture according to some embodiments of the present application is described below with the help of fig. 1. In the architecture shown in fig. 1, the nodes involved in the payment process illustratively include a cell phone 110, a checkout terminal or POS 120, a digital key management platform 130, a payment platform 140, and a billing platform 150.

Referring to fig. 1, the digital key based payment process illustratively includes the following payment information generation and push sub-process R1, digital key authentication sub-process R2, payment operation sub-process R3, and payment processing result confirmation sub-process R4, which are described one by one below.

Payment information generation and push subprocess R1

Step 1: the payee terminal 120 determines the mobile phone 110 to push the payment information according to the positioning signal and establishes a communication connection with the mobile phone 110 to obtain the device ID thereof.

Specifically, when the wireless signal receiver of the payee terminal 120 receives the positioning signal broadcast by one or more mobile phones, the location information such as the distance and angle of the corresponding mobile phone from the payee terminal 120 is obtained according to the positioning signal, so as to determine the mobile phone most likely related to the current payment service (e.g. supermarket shopping payment) as the push object of the payment information (e.g. payment amount, trade name, quantity, etc.). Illustratively, the checkout terminal 120 may be configured with a UWB positioning base station so that location signals broadcast by a cell phone can be received through an antenna on the UWB positioning base station. Alternatively, other location technologies may be used for push object determination, including but not limited to Wi-Fi location technologies, bluetooth location technologies, and the like, for example.

And 2, step: the payee terminal 120 sends an inquiry request to the paymate 140 as to whether the mobile phone 110 has activated the digital key-based payment function.

And step 3: paymate 140 returns the query result to the checkout terminal 120.

And 4, step 4: if the inquiry result is that the payment function based on the digital key is opened, the cash receiving terminal 120 pushes payment information to the mobile phone 110.

Optionally, in step 2, the payee terminal 120 may also send an inquiry request to the mobile phone 110 whether the payment function based on the digital key has been enabled, and in step 3, the mobile phone 110 returns an inquiry result to the payee terminal 120.

Optionally, in step 2, if the digital key has a binding relationship with a registered account of the user associated with the mobile phone 110 at the payment platform 140 (or data processing system), the payment platform 140 or the mobile phone 110 returns a query result that the payment function based on the digital key has been opened to the payee terminal 120.

Digital key authentication subprocess R2

And 5: after receiving the pushed payment information, the mobile phone 110 requests the digital key management platform 130 to authenticate the digital key associated therewith.

Step 6: the digital key management platform 130 returns the authentication result to the handset 110.

And 7: if the authentication result is a pass verification, the handset 110 sends a payment request to the payment platform 140, which may include payment information and the result that the verification has passed.

Payment operation subprocess R3

And 8: after the payment platform 140 receives the payment request, the authentication result of the digital key is confirmed through interaction with the digital key management platform 130, and if the authentication result is confirmed, the payment platform 140 executes the payment operation according to the payment information, otherwise, the payment operation is refused to be executed.

Optionally, the digital key has a binding relationship with a registered account associated with the user of the cell phone 110 at the payment platform 140.

And step 9: the payment platform 140 returns payment processing results (e.g., payment amount, payment purpose, account remaining amount, etc.) to the handset 110.

Optionally, the payment platform 140 may return payment processing results to the checkout terminal 120; or alternatively, the payment platform 140 may also return payment processing results to both the cell phone 110 and the checkout terminal 120.

Step 10: the payment platform returns the payment processing result to the receipt platform 150 corresponding to the receipt terminal 120.

Payment result confirmation subprocess R4

Step 11: the handset 110 forwards the payment processing result to the payee terminal 120.

Step 12: the payee terminal 120 sends a query request to the receipt platform 150 to confirm the authenticity of the payment processing result forwarded by the handset 110 to the payee terminal 120.

Step 13: the billing platform 150 generates a query result according to the payment processing result returned by the payment platform and returns the query result to the payee terminal 120.

The digital key based payment scheme architecture shown in fig. 1 can also be used for other data processing applications that require identity authentication. For example, in the access management application, the collection terminal can be replaced by an access control device (such as a gate controller), the payment platform is replaced by an internet of things platform or a data processing system with computing resources mainly located locally, and user identity authentication is performed through steps of authenticating a numerical key installed on a mobile phone, confirming an authentication result and the like.

FIG. 2 is a schematic block diagram of a typical data processing system. Referring to fig. 2, the data processing system 20 includes a communication unit 210, a memory 220 (e.g., non-volatile memory such as flash memory, ROM, a hard drive, a magnetic disk, an optical disk, etc.), a processor 230, and a computer program 240 stored on the memory 220 and executable on the processor 230.

The communication unit 210 serves as a communication interface configured to establish a communication connection between the data processing system and an external device or network (e.g., a cellular phone, a remote server, etc.).

The memory 220 stores a computer program 240 executable by the processor 230. The processor 230 is configured to execute a computer program 240 to implement the corresponding data processing flow.

It should be noted that the data processing system shown in fig. 2 may also be integrated with a foreground device such as a checkout terminal.

In these embodiments, the steps in the method flow are implemented by means of a cloud computing platform or a data processing system as shown in fig. 2. The method flow illustrated in fig. 3 includes the following steps performed, for example, by executing computer program 240 or implemented using a cloud computing platform:

step 301: receiving a data processing request from a terminal device (such as a mobile phone in fig. 1), wherein the data processing request contains service data and a result that authentication performed by a digital key management platform (such as the platform 130 in fig. 1) on a digital key installed on the terminal device has passed.

Optionally, the digital key has a binding relationship with a registered account of a user associated with the terminal device at the data processing system or the cloud computing platform.

Illustratively, the service data may be payment service data (e.g., payment amount) or access management service data (e.g., device ID of the user terminal, etc.).

Step 302: the result that the authentication has passed is confirmed through interaction with the digital key management platform, that is, the authenticity of the authentication result contained in the data processing request is confirmed. If the result that the authentication has passed is confirmed, step 303 is entered, otherwise step 304 is entered.

Step 303: and processing the service data. For example, in a payment service, the cloud computing platform performs a payment operation according to the payment information. If the user associated with the equipment ID has the right to enter, the data processing system instructs the gate controller to open the gate, and if not, the gate is closed.

Step 304: and returning the processing result of the service data to the terminal equipment, wherein the processing result comprises the results that the digital key authentication result is not confirmed, the user is allowed to enter, the user is forbidden to enter and the like.

Optionally, for the payment service, in step 304, the processing result of the service data may also be returned to the order receiving platform.

In step 304, optionally, the data processing system or cloud computing platform may return the processing result to other devices associated with the business data (e.g., a checkout terminal in a payment business); or alternatively, the processing result can also be returned to both the terminal device and the other device.

According to another aspect of the present application, there is also provided a computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, is adapted to carry out the steps comprised in the data processing method described above with reference to fig. 3.

Fig. 4 is a schematic block diagram of a typical terminal device. The terminal device shown in fig. 4 may be used as the above-described money receiving terminal or the access control device.

As shown in fig. 4, the terminal device 40 includes a communication unit 410, a memory 420 (e.g., a non-volatile memory such as a flash memory, a ROM, a hard disk drive, a magnetic disk, an optical disk), a processor 430, and a computer program 440 stored on the memory 420 and executable on the processor 430.

The communication unit 410 serves as a communication interface configured to establish a communication connection between the terminal device and an external device or a network (e.g., a mobile phone, a remote server, etc.).

The memory 420 stores a computer program 440 that is executable by the processor 430. The processor 430 is configured to execute the computer program 240 to implement the corresponding data processing flow.

In these embodiments, the steps in the method flow are implemented by means of the terminal device shown in fig. 4. The method flow shown in fig. 5 comprises the following steps, for example performed by running the computer program 440:

step 501: the terminal devices involved in the service processing are identified based on the positioning signals broadcast by other terminal devices, such as the handset 110 in fig. 1.

For example, the location information such as the distance and angle from the payee terminal 120 to one or more corresponding mobile phones may be obtained according to the received positioning signal, so as to determine the terminal devices most likely related to the current service processing. Location technologies that may be used to locate the terminal device include, but are not limited to, UWB location technologies, wi-Fi location technologies, bluetooth location technologies, and the like.

Step 502: optionally, the data processing system (e.g., data processing system 20 in fig. 2) or the cloud computing platform (e.g., payment platform in fig. 1) is queried as to whether the located terminal device is to provision a digital key-based data processing service (e.g., payment service). If the service is opened, step 503 is entered, otherwise step 504 is entered.

Step 503: optionally, sending of the data processing message is placed in an enabled state and step 505 is entered.

Step 504: optionally, a prompt message for opening the digital key-based data processing service is returned to the located terminal equipment.

Step 505: sending a data processing message containing the service data to the located terminal device to prompt the latter to send a data processing request containing the service data and the result that the authentication has passed to the data processing system or the cloud computing platform after the authentication performed on the digital key installed thereon by the digital key management platform.

Step 506: and receiving the processing result of the business data forwarded by the positioned terminal equipment from the data processing system or the cloud computing platform, or alternatively, directly receiving the processing result of the business data from the data processing system or the cloud computing platform.

According to another aspect of the present application, there is also provided a computer-readable storage medium, on which a computer program is stored, which program, when being executed by a processor, is adapted to carry out the steps of the data processing method described above with reference to fig. 5.

According to yet another aspect of the present application, a computer-readable storage medium is provided, on which a computer program adapted to be downloaded by a user terminal (e.g. a smartphone, a wearable device, a portable computer, a tablet computer, etc.) is stored. When the downloaded computer program is executed on the processor of the user terminal, it will result in the following operational steps being performed as shown in fig. 6:

step 601: the locating signal is broadcast so that it can be recognized by other terminal devices, such as a checkout terminal or a gate controller. Optionally, the broadcasted positioning signal is one of: UWB signals, wi-Fi signals, and bluetooth signals.

Step 602: a data processing message containing service data (e.g., payment service data such as a payment amount or access management service data such as a device ID of the user terminal, etc.) is received from the terminal device that recognizes the user terminal.

Step 603: and requesting the digital key management platform to perform authentication on the digital key installed on the user terminal, and if the authentication is passed, entering the step 604, otherwise, entering the step 606.

Step 604: and sending a data processing request containing the result that the authentication has passed and the service data to the data processing system or the cloud computing platform, so that the data processing system or the cloud computing platform confirms the result that the authentication has passed through interaction with the digital key management platform and processes the service data after the result that the authentication has passed is confirmed.

Step 605: and receiving a processing result of the service data from the data processing system or the cloud computing platform.

Step 606: and sending a service data processing result or a message that the digital key authentication fails to pass to the terminal equipment which recognizes the user terminal.

Fig. 7 is a schematic block diagram of a typical user terminal. The user terminal shown in fig. 7 includes, for example, one of the following: smart phones, wearable devices, portable computers, tablet computers, and the like.

As shown in fig. 7, the user terminal 70 includes a communication unit 710, a memory 720 (e.g., a non-volatile memory such as a flash memory and a ROM), a processor 730, and a computer program 740 stored on the memory 720 and operable on the processor 730.

The communication unit 710 serves as a communication interface configured to establish a communication connection between the user terminal and an external device or a network.

The memory 720 stores a computer program 740 that can be executed by the processor 730. The processor 730 is configured to execute a computer program 740 to implement a corresponding data processing flow (e.g., the processing flow shown in fig. 6).

The embodiments and examples set forth herein are presented to best explain the embodiments in accordance with the present technology and its particular application and to thereby enable those skilled in the art to make and utilize the application. However, those skilled in the art will recognize that the foregoing description and examples have been presented for the purpose of illustration and example only. The description as set forth is not intended to cover all aspects of the application or to limit the application to the precise form disclosed.

In view of the foregoing, the scope of the present disclosure is to be determined by the following claims.

Claims

1. A payment transaction data processing method, comprising the steps of:

A. receiving a data processing request from a terminal device, wherein the data processing request contains service data and a result that authentication performed by a digital key management platform on a digital key installed on the terminal device has passed;

2. The payment transaction data processing method of claim 1, further comprising:

D. and returning the processing result of the service data to the terminal equipment or other equipment related to the service data.

3. The payment transaction data processing method of claim 1 or 2, further comprising:

E. and responding to an inquiry request of other equipment on whether the terminal equipment opens the payment function based on the digital key, and returning an inquiry result to the other equipment. .

4. The data processing method of claim 1 or 2, wherein the steps of the data processing method are performed by a cloud computing platform or a data processing system.

5. The data processing method of claim 2, wherein the other device is a cash register terminal.

6. The data processing method of claim 4, wherein the cloud computing platform is a payment platform.

7. The data processing method of claim 4, wherein the digital key has a binding relationship with a registered account of a user associated with the terminal device at the cloud computing platform or data processing system.

8. A data processing system, comprising:

a memory;

a processor; and

9. The data processing system of claim 8, wherein execution of the computer program further results in the following operations:

10. The data processing system of claim 8 or 9, wherein execution of the computer program further results in the following operations:

E. and responding to an inquiry request of other equipment on whether the terminal equipment opens the payment function based on the digital key, and returning an inquiry result to the other equipment.

11. A data processing system as claimed in claim 8 or 9, wherein the other device is a cash register terminal.

12. The data processing system of claim 8 or 9, wherein the digital key has a binding relationship with a registered account at the data processing system associated with a user of the terminal device.

13. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out a payment transaction data processing method according to any one of claims 1 to 7.

14. A payment transaction data processing method, comprising the steps of, by a first terminal device:

B. confirming whether the second terminal equipment opens a payment function based on a digital key; C. if the confirmation is obtained, sending a data processing message containing payment service data to the second terminal device to prompt the second terminal device to send a data processing request containing the payment service data and a result that the digital key authentication has passed to a data processing system or a cloud computing platform after the authentication performed on the digital key installed thereon by the digital key management platform;

D. receiving a processing result about the payment service data from the data processing system or the cloud computing platform, or receiving a processing result about the payment service data forwarded by the second terminal device from the data processing system or the cloud computing platform.

15. The payment transaction data processing method of claim 14, wherein step B comprises:

b1, sending an inquiry request about whether the second terminal equipment opens a payment function based on a digital key to the data processing system or the cloud computing platform;

and B2, if a confirmation message for opening the digital key-based payment function is received from the data processing system or the cloud computing platform, sending the data processing message to an enabling state.

16. The payment transaction data processing method of claim 14, wherein step B comprises:

b1', sending an inquiry request about whether the second terminal equipment opens a payment function based on a digital key to the second terminal equipment;

b2', if a confirmation message to open the digital key based payment function is received from the second terminal device, placing the transmission of the data processing message in an enabled state.

17. The payment transaction data processing method of any one of claims 14 to 16, wherein the positioning of the second terminal device is carried out based on one of: UWB location technology, wi-Fi location technology, and bluetooth location technology.

18. The payment transaction data processing method of any one of claims 14-16, wherein determining whether to enable a payment function based on a digital key is based on a binding relationship between the digital key and a payment account associated with a user of the terminal device at the cloud computing platform or data processing system.

19. A first terminal device, comprising:

a memory;

a processor; and

B. confirming whether the second terminal equipment opens a payment function based on a digital key;

C. sending a data processing message containing service data to the second terminal device to prompt the second terminal device to send a data processing request containing the service data and a result that the authentication has passed to a data processing system or a cloud computing platform after the authentication performed on the digital key installed thereon by the digital key management platform;

D. receiving a processing result about the service data from the data processing system or the cloud computing platform, or receiving a processing result about the service data forwarded from the data processing system or the cloud computing platform by the second terminal device.

20. The first terminal device of claim 19, wherein execution of the computer program further results in confirming whether the digital key based payment function is enabled in the following manner:

b1, sending an inquiry request about whether the second terminal equipment opens the data processing service based on the digital key to the data processing system or the cloud computing platform;

and B2, if the service is opened, sending the data processing message to an enabling state.

21. The payment transaction data processing method of claim 19, wherein execution of the computer program further results in confirming whether the digital key based payment function is enabled in the following manner:

22. The first terminal device according to any of claims 19-21, wherein the positioning of the second terminal device is performed based on one of the following: UWB location technology, wi-Fi location technology, and bluetooth location technology.

23. The first terminal device of any one of claims 19-21, wherein the first terminal device is a cash register terminal.

24. The first terminal device of any one of claims 19-21, wherein whether to enable a digital key-based payment function is determined based on a binding relationship between the digital key and a payment account associated with a user of the terminal device at the cloud computing platform or data processing system.

25. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out a payment transaction data processing method according to any one of claims 14-18.

26. A first terminal device, comprising:

a memory;

a processor; and

27. The first terminal device of claim 26, wherein the first terminal device is one of: smart phones, wearable devices, portable computers, and tablet computers.

28. The first terminal device of claim 26 or 27, wherein execution of the computer program on the processor of the first terminal device further results in the following operations:

29. The first terminal device of claim 26 or 27, wherein execution of the computer program on the processor of the first terminal device further results in the following operations:

E. sending a confirmation message to the second terminal device that the digital key based payment function has been enabled.

30. The first terminal device of claim 26 or 27, wherein the positioning signal is one of: UWB signals, wi-Fi signals, and bluetooth signals.

31. The first terminal device of claim 26 or 27, wherein execution of the computer program on the processor of the first terminal device further results in the following operations:

F. receiving a processing result of the business data from the data processing system or the cloud computing platform;

G. and sending the processing result of the service data to the second terminal equipment.

32. The first terminal device of claim 26 or 27, wherein the digital key has a binding relationship with a registered account of a user associated with the first terminal device at the cloud computing platform or data processing system.

33. A computer-readable storage medium on which a computer program adapted to be downloaded by a first terminal device is stored, characterized in that execution of the computer program on a processor of the first terminal device results in the following operations:

34. The computer-readable storage medium of claim 33, wherein the first terminal device is one of: smart phones, wearable devices, portable computers, and tablet computers.

35. The computer-readable storage medium of claim 33 or 34, wherein executing the computer program on the processor of the first terminal device further results in the following operations:

36. The computer readable storage medium of claim 33 or 34, wherein executing the computer program on the processor of the first terminal device further results in the following operations:

37. The computer readable storage medium of claim 33 or 34, wherein the positioning signal is one of: UWB signals, wi-Fi signals, and bluetooth signals.

38. The computer-readable storage medium of claim 33 or 34, wherein executing the computer program on the processor of the first terminal device further results in the following operations:

39. The computer-readable storage medium of claim 33 or 34, wherein the digital key has a binding relationship with a registered account of a user associated with the first terminal device at the cloud computing platform or data processing system.