CN117010887A

CN117010887A - Data processing method and related equipment

Info

Publication number: CN117010887A
Application number: CN202210740711.7A
Authority: CN
Inventors: 罗镇宗
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2022-06-28
Filing date: 2022-06-28
Publication date: 2023-11-07

Abstract

The embodiment of the application provides a data processing method and related equipment, wherein the method comprises the following steps: responding to a data processing request, outputting first prompt information, wherein the first prompt information is used for indicating the position of a target area of terminal equipment and indicating that a payment medium is placed in the target area; establishing near field communication between the payment medium and the terminal device when the payment medium is placed in the target area; reading medium information of a payment medium based on near field communication, wherein the medium information comprises identification of the payment medium; acquiring object information of a holding object of the payment medium from historical data of the payment medium according to the medium information; and performing data processing on the payment medium based on the medium information and the object information. The embodiment of the application can improve the data processing efficiency of the payment medium.

Description

Data processing method and related equipment

Technical Field

The present application relates to the field of internet technology, and in particular, to a data processing method, a data processing apparatus, a terminal device, a computer readable storage medium, and a computer program product.

Background

With the development of internet technology, currently, an object may perform corresponding data processing on payment media such as a bank card through an Application (APP) installed on a terminal device such as a mobile phone to implement use of the payment media. In the data processing process, a series of medium information (such as a bank card number, a name of an object and the like) is required to be manually input by the object, so that the operation of the object in the corresponding data processing process of the payment medium is complex, and the data processing efficiency of the payment medium is low.

Disclosure of Invention

The embodiment of the application provides a data processing method and related equipment, which can improve the data processing efficiency of a payment medium.

In one aspect, an embodiment of the present application provides a data processing method, where the method includes:

responding to the data processing request, outputting first prompt information, wherein the first prompt information is used for indicating the position of a target area of the terminal equipment and indicating that a payment medium is placed in the target area;

when the payment medium is placed in the target area, establishing close-range communication between the payment medium and the terminal device;

reading medium information of a payment medium based on near field communication, wherein the medium information comprises identification of the payment medium;

Acquiring object information of a holding object of the payment medium from historical data of the payment medium according to the medium information; the method comprises the steps of,

based on the medium information and the object information, data processing is performed on the payment medium.

In one aspect, an embodiment of the present application provides a data processing apparatus, including:

the processing unit is used for responding to the data processing request, outputting first prompt information, wherein the first prompt information is used for indicating the position of a target area of the terminal equipment and indicating that a payment medium is placed in the target area;

a processing unit for establishing close range communication between the payment medium and the terminal device when the payment medium is placed in the target area;

the processing unit is also used for reading medium information of the payment medium based on the near field communication, wherein the medium information comprises identification of the payment medium;

an acquisition unit configured to acquire object information of a holding object of a payment medium from history data of the payment medium according to the medium information;

and a processing unit for performing data processing on the payment medium based on the medium information and the object information.

In one embodiment, the processing unit is further configured to:

invoking near field communication hardware monitoring target areas in terminal equipment;

If the payment medium is monitored in the target area, determining that the payment medium is placed in the target area;

the target area refers to any area in the monitoring range of the near field communication hardware; the location of the target area includes any of the following: any position in the screen of the terminal equipment and any position of the terminal equipment.

In one embodiment, the processing unit, when reading the medium information of the payment medium based on the near field communication, may be specifically configured to:

acquiring an identification of a target application program in a payment medium based on near field communication, wherein medium information is stored in the target application program;

triggering and starting the target application program according to the identification of the target application program;

sending an information inquiry instruction to the started target application program; the method comprises the steps of,

and receiving the media information returned by the started target application program in response to the information inquiry instruction.

In one embodiment, the payment medium is an integrated circuit card; the acquiring unit, when acquiring the identification of the target application program in the payment medium based on the near field communication, may be specifically configured to:

generating a program inquiry instruction according to the specification of the application protocol data unit based on the near field communication;

transmitting a program inquiry instruction to the payment medium, wherein the program inquiry instruction is used for inquiring an application program supported by the payment medium;

Receiving an application program list returned by the payment medium in response to the program inquiry instruction, wherein the application program list comprises identifications of one or more application programs supported by the payment medium;

the identification of the target application is obtained from the application list.

In one embodiment, the method is applied to a first client in a terminal device; the terminal equipment also comprises a second client, wherein the second client records historical data of the payment medium;

the processing unit may be specifically configured to, when acquiring, from the history data of the payment medium, object information of the holding object of the payment medium according to the medium information:

sending a first query request to the second client, wherein the first query request carries identification of the payment medium, and the first query request is used for requesting to query object information of a holding object of the payment medium from historical data of the payment medium recorded in the second client;

receiving object information returned by the second client in response to the first query request;

wherein the historical data of the payment medium includes any one or more of: historical payment data of the payment medium in the second client, historical binding data of the payment medium in the second client.

In one embodiment, the processing unit is further configured to:

detecting whether a first client has the query authority of a second client;

if the first client side has the query authority of the second client side, executing the step of sending a first query request to the second client side;

if the first client does not have the query authority of the second client, outputting an authorization request, wherein the authorization request is used for requesting the first client to grant the query authority of the second client;

when a confirmation operation for the authorization request is received, the query authority of the second client is set for the first client, and the step of sending the first query request to the second client is executed.

In one embodiment, the historical data of the payment medium includes issuance data of the payment medium;

the acquiring unit may be specifically configured to, when acquiring object information of a holding object of the payment medium from the history data of the payment medium according to the medium information:

sending a second query request to the issuing system of the payment medium, wherein the second query request carries the identification of the payment medium and is used for requesting to acquire object information of a holding object of the payment medium from issuing data of the payment medium recorded in the issuing system;

Object information returned by the issuing system in response to the second query request is received.

In one embodiment, the method is applied to a first client in the terminal device, wherein the first client records historical data of the payment medium, and the historical data of the payment medium comprises historical binding data of the payment medium in the first client;

according to the medium information, historical binding data of the payment medium in the first client is obtained from a storage space corresponding to the first client;

object information of a holding object of the payment medium is obtained from historical binding data of the payment medium in the first client.

In one embodiment, the processing unit is further configured to:

checking the medium information, and if the medium information passes the checking, executing the step of acquiring object information of a holding object of the payment medium from the historical data of the payment medium according to the medium information;

if the verification is not passed, outputting second prompt information, wherein the second prompt information is used for prompting the readback of the medium information of the payment medium or prompting the replacement of a new payment medium;

Wherein the media information further includes any one or more of: medium type, medium expiration date.

In one embodiment, the processing unit may be specifically configured to, when verifying the media information:

checking the correctness of the identification of the payment medium by adopting a checking algorithm;

if the verification result indicates that the identification of the payment medium is correct, the medium information is verified.

In one embodiment, the media information includes a media type; the processing unit may be specifically configured to, when verifying the medium information:

acquiring a target medium type required by data processing;

detecting whether the medium type of the payment medium is consistent with the target medium type;

if the media information is consistent, the media information is checked and passed.

In one embodiment, the media information includes a media expiration date; the processing unit may be specifically configured to, when verifying the medium information:

acquiring the current system time;

judging whether the current system time is in the medium validity period or not;

and if the current system time is within the medium validity period, checking the medium information.

In one embodiment, the method is applied to a first client in the terminal device, the data processing request being for requesting binding of the payment medium in the first client;

The processing unit, when performing data processing on the payment medium based on the medium information and the object information, may be specifically configured to:

displaying a binding interface;

automatically filling the read medium information in the binding interface, and automatically filling the acquired object information;

and when a confirmation operation of the medium information and the object information is received, carrying out association binding on the medium information of the payment medium, the login object account number of the first client and the object information.

In one embodiment, the data processing request is for requesting payment using a payment medium; the data processing request carries order information to be paid;

displaying a payment interface;

automatically filling the read medium information in a payment interface, and automatically filling the acquired object information;

when a confirmation operation for the medium information and the object information is received, a payment process is performed on the payment medium based on the order information.

In one embodiment, the method is applied to a first client in the terminal device, in which historical binding data of the payment medium is recorded; the data processing request is used for requesting to unbind the payment medium from the first client;

based on the medium information and the object information, searching and displaying historical binding data of the payment medium in the first client, wherein the historical binding data comprises an association binding relation between the payment medium and a login object account in the first client;

and when the unbinding confirmation operation is received, releasing the association binding relation between the payment medium and the login object account in the first client.

In one embodiment, the processing unit is further configured to:

sending a verification request to the cloud server, wherein the verification request carries medium information and object information and is used for requesting the cloud server to carry out security verification on the medium information and the object information;

receiving a verification result returned by the cloud server;

and if the verification result indicates that the security verification is successful, executing the step of executing data processing on the payment medium based on the medium information and the object information.

In one aspect, an embodiment of the present application provides a terminal device, including:

a processor adapted to execute a computer program;

a computer readable storage medium having a computer program stored therein, which when executed by a processor, implements a data processing method as described above.

In one aspect, embodiments of the present application provide a computer readable storage medium storing a computer program loaded by a processor and performing a data processing method as described above.

In one aspect, embodiments of the present application provide a computer program product comprising a computer program stored in a computer readable storage medium. The processor of the terminal device reads the computer program from the computer-readable storage medium, and the processor executes the computer program so that the terminal device performs the above-described data processing method.

In the embodiment of the application, the first prompt information is output in response to the data processing request, the first prompt information is used for indicating the position of the target area of the terminal equipment and indicating that the payment medium is placed in the target area, and the problem that the payment medium can be monitored only by continuously attempting to place the payment medium on the terminal equipment is solved by outputting the first prompt information, so that the time for establishing close-range communication between the payment medium and the terminal equipment is greatly shortened; further, when the payment medium is placed in the target area, establishing close-range communication between the payment medium and the terminal device; then reading medium information of the payment medium based on the near field communication; acquiring object information of a holding object of the payment medium from historical data of the payment medium according to the medium information; and performing data processing on the payment medium based on the medium information and the object information. The medium information of the payment medium is directly read through the near field communication of the terminal equipment, an object is not required to manually input the medium information of the payment medium, errors caused by manually inputting the medium information of the payment medium are avoided, the problems that the payment medium is dependent on proper illumination and is placed at a proper distance when the payment medium is identified by adopting an image are solved, the accuracy of acquiring the medium information of the payment medium is improved, the time for acquiring the medium information is saved, the subsequent data processing of the payment medium can be rapidly realized, and the data processing efficiency of the payment medium is improved; in addition, the medium information based on the payment medium can directly acquire the object information of the holding object from the historical data of the payment medium, and the object information of the holding object is not required to be input, so that the data processing efficiency of the payment medium is further improved.

Drawings

In order to more clearly illustrate the embodiments of the application or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the application, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a schematic diagram of a data processing system according to an exemplary embodiment of the present application;

FIG. 2 is a flow chart of a method for processing data according to an exemplary embodiment of the present application;

FIG. 3a is a schematic illustration of a target area provided by an exemplary embodiment of the present application;

FIG. 3b is a schematic illustration of a target area provided by another exemplary embodiment of the present application;

FIG. 4 is a schematic diagram of another data processing interface provided by an exemplary embodiment of the present application;

FIG. 5a is a schematic illustration of a binding interface provided by an exemplary embodiment of the present application;

FIG. 5b is a schematic diagram of a payment interface provided by an exemplary embodiment of the present application;

FIG. 5c is a schematic illustration of a unbinding interface provided by an exemplary embodiment of the present application;

FIG. 6 is a flow chart of a data processing method according to another exemplary embodiment of the present application;

FIG. 7a is a schematic flow chart of a binding bank card according to an exemplary embodiment of the present application;

FIG. 7b is a schematic view of a bound bank card according to an exemplary embodiment of the present application;

FIG. 7c is a schematic diagram illustrating communication between a terminal device and a bank card according to an exemplary embodiment of the present application;

FIG. 8 is a schematic diagram of a data processing apparatus according to an exemplary embodiment of the present application;

fig. 9 is a schematic structural diagram of a terminal device according to an exemplary embodiment of the present application.

Detailed Description

The following description of the embodiments of the present application will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.

The following terms are presented in relation to embodiments of the present application:

(1) Payment medium

The payment medium is a credit payment tool with all or part of functions of consuming credit, settling account for transfer, accessing data resources (such as cash) and the like, the payment medium can be an IC card (Integrated Circuit Card ), a smart card and the like, the IC card can be divided into a non-contact IC card and a contact IC card, the non-contact IC card can also be called a radio frequency card, the radio frequency identification technology and the IC card technology can be combined together, and the technical problems of passive (no power supply in the card) and no contact are solved. The payment medium referred to in the embodiments of the present application may be an IC card such as a debit card, a deposit card, a credit card, or the like. The payment medium may support a wide variety of applications, which may be understood as: the payment medium resembles an operating system in which a wide variety of applications are run. For example, the payment medium is a bank card, and the payment medium may support a UnionPay application, an online payment application, and so forth.

(2) Near field communication hardware and near field communication

Near field communication hardware may be configured in the terminal device, the near field communication hardware being configured to monitor whether a payment medium is placed in a designated area of the terminal device, and when it is monitored that the payment medium is placed in the designated area, near field communication with the payment medium may be established according to a near field communication protocol standard, such as ISO-DEP (ISO 14443-4). The near field communication hardware may be NFC (near field communication ) hardware, that is, it may be understood that an NFC technology is used in the terminal device, and the terminal device (for example, a mobile phone) using the NFC technology may establish near field communication under the condition that the payment medium is close, where the NFC technology is integrated and evolved by a non-contact Radio Frequency Identification (RFID) and an interconnection technology.

(3) Holding object

The holding object refers to an object of object information used when applying for a payment medium, for example, a bank card, and is an object of a certificate (such as an ID number) used when applying for the bank card. Alternatively, a holding object refers to an object that holds and uses a payment medium, and is understood to be: the holding object may make a payment using a payment medium, binding the payment medium at a certain client or unbinding the bound payment medium in a certain client. For example, the payment medium is a bank card, to which the holding object can bind in the client; for another example, the payment medium is a bus card, and the holding object may make payment in the client using the bus card. The holding object referred to in the embodiment of the present application may be a user.

(4) Cloud computing

Cloud computing (closed computing) refers to the delivery and usage mode of an IT infrastructure, meaning that required resources are obtained in an on-demand, easily scalable manner through a network; generalized cloud computing refers to the delivery and usage patterns of services, meaning that the required services are obtained in an on-demand, easily scalable manner over a network. Such services may be IT, software, internet related, or other services. Cloud Computing is a product of fusion of traditional computer and network technology developments such as Grid Computing (Grid Computing), distributed Computing (Distributed Computing), parallel Computing (Parallel Computing), utility Computing (Utility Computing), network storage (Network Storage Technologies), virtualization (Virtualization), load balancing (Load balancing), and the like. With the development of the internet, real-time data flow and diversification of connected devices, and the promotion of demands of search services, social networks, mobile commerce, open collaboration and the like, cloud computing is rapidly developed. Unlike the previous parallel distributed computing, the generation of cloud computing will promote the revolutionary transformation of the whole internet mode and enterprise management mode in concept.

(5) Cloud storage

Cloud storage (cloud storage) is a new concept that extends and develops in the concept of cloud computing, and a distributed cloud storage system (hereinafter referred to as a storage system for short) refers to a storage system that integrates a large number of storage devices (storage devices are also referred to as storage nodes) of various types in a network to work cooperatively through application software or application interfaces through functions such as cluster application, grid technology, and a distributed storage file system, so as to provide data storage and service access functions for the outside.

At present, the storage method of the storage system is as follows: when creating logical volumes, each logical volume is allocated a physical storage space, which may be a disk composition of a certain storage device or of several storage devices. The client stores data on a certain logical volume, that is, the data is stored on a file system, the file system divides the data into a plurality of parts, each part is an object, the object not only contains the data but also contains additional information such as a data Identification (ID) and the like, the file system writes each object into a physical storage space of the logical volume, and the file system records storage position information of each object, so that when the client requests to access the data, the file system can enable the client to access the data according to the storage position information of each object.

The process of allocating physical storage space for the logical volume by the storage system specifically includes: physical storage space is divided into stripes in advance according to the set of capacity measures for objects stored on a logical volume (which measures tend to have a large margin with respect to the capacity of the object actually to be stored) and redundant array of independent disks (RAID, redundant Array of Independent Disk), and a logical volume can be understood as a stripe, whereby physical storage space is allocated for the logical volume.

(6) Cloud security

Cloud Security (Cloud Security) refers to a generic term for Security software, hardware, users, institutions, secure Cloud platforms based on Cloud computing business model applications. Cloud security fuses emerging technologies and concepts such as parallel processing, grid computing, unknown virus behavior judgment and the like, acquires the latest information of Trojan horse and malicious programs in the Internet through abnormal monitoring of a large number of network clients on software behaviors, sends the latest information to a server for automatic analysis and processing, and distributes solutions of viruses and Trojan horse to each client.

The main research directions of cloud security include: 1. cloud computing security, namely, how to guarantee security of cloud and various applications on the cloud, including cloud computer system security, security storage and isolation of user data, user access authentication, information transmission security, network attack protection, compliance audit and the like; 2. clouding of a safety infrastructure, mainly researching how to build and integrate safety infrastructure resources by adopting cloud computing, and optimizing a safety protection mechanism, wherein the cloud computing technology is used for constructing a super-large-scale safety event and an information acquisition and processing platform, realizing acquisition and association analysis of mass information, and improving the control capability and risk control capability of the whole-network safety event; 3. cloud security services, mainly research on various security services provided for users based on cloud computing platforms, such as anti-virus services and the like.

(7) Artificial intelligence

Artificial intelligence (Artificial Intelligence, AI) is the theory, method, technique and application system that uses a digital computer or a machine controlled by a digital computer to simulate, extend and extend human intelligence, sense the environment, acquire knowledge and use the knowledge to obtain optimal results. In other words, artificial intelligence is an integrated technology of computer science that attempts to understand the essence of intelligence and to produce a new intelligent machine that can react in a similar way to human intelligence. Artificial intelligence, i.e. research on design principles and implementation methods of various intelligent machines, enables the machines to have functions of sensing, reasoning and decision.

The artificial intelligence technology is a comprehensive subject, and relates to the technology with wide fields, namely the technology with a hardware level and the technology with a software level. Artificial intelligence infrastructure technologies generally include technologies such as sensors, dedicated artificial intelligence chips, cloud computing, distributed storage, big data processing technologies, operation/interaction systems, mechatronics, and the like. The artificial intelligence software technology mainly comprises a computer vision technology, a voice processing technology, a natural language processing technology, machine learning/deep learning and other directions.

The Computer Vision technology (CV) is a science for researching how to make a machine "look at", and more specifically, a camera and a Computer are used to replace human eyes to perform machine Vision such as identifying and measuring on a target, and further perform graphic processing, so that the Computer is processed into an image more suitable for human eyes to observe or transmit to an instrument to detect. As a scientific discipline, computer vision research-related theory and technology has attempted to build artificial intelligence systems that can acquire information from images or multidimensional data. Computer vision techniques typically include image processing, image recognition, image semantic understanding, image retrieval, OCR, video processing, video semantic understanding, video content/behavior recognition, three-dimensional object reconstruction, 3D techniques, virtual reality, augmented reality, synchronous positioning, and map construction, among others.

Key technologies to the speech technology (Speech Technology) are automatic speech recognition technology (ASR) and speech synthesis technology (TTS) and voiceprint recognition technology. The method can enable the computer to listen, watch, say and feel, is a development direction of human-computer interaction in the future, and voice becomes one of human-computer interaction modes which are watched in the future.

The embodiment of the application provides a data processing scheme, which can be as follows: when an object wants to perform data processing such as binding, unbinding, payment and the like on a payment medium, medium information of the payment medium can be quickly read based on near field communication (such as NFC communication) supported by the terminal device. Specifically, the object can place the payment medium at a designated position of the terminal device according to the prompt information, the terminal device senses that the payment medium is placed at the designated position, then close-range communication between the terminal device and the payment medium can be established, then the medium information (such as the identification of the payment medium) of the payment medium can be read through the established close-range communication, and the medium information of the payment medium is verified; after the verification is passed, object information of the holding object of the payment medium is acquired based on the medium information, and data processing such as binding, unbinding, payment is performed on the payment medium through the object information and the medium information. Wherein, based on the medium information, obtaining the object information of the holding object of the payment medium includes two modes: (1) directly inputting information of the holding object. Specifically, based on the medium information, an information input interface may be displayed, where the information input interface is used to input object information of the holding object, the holding object may directly input own object information in the information input interface, and in response to the input information of the holding object, the information of the holding object may be successfully obtained. The method needs manual input, so that the situation that input object information is wrong easily occurs, and a certain time is needed for input, so that the subsequent data processing efficiency on the payment medium is low. (2) When the payment medium is handled or the history data of the payment medium is recorded in other clients, the object information about the holding object in the history data of the payment medium may be directly multiplexed, and the terminal device may acquire the history data of the payment medium based on the medium information and directly acquire the information of the holding object of the payment medium from the acquired history data of the payment medium. The method avoids the error of manually inputting the object information of the holding object, improves the accuracy of acquiring the object information and saves the time for acquiring the object information. Based on this advantage, embodiments of the present application preferably implement data processing of the payment medium in this manner (2).

The data processing scheme of the embodiment of the application can be combined with cloud computing, cloud storage and cloud security in cloud technology, for example, processing results of performing data processing such as binding, unbinding and payment on a payment medium based on object information and medium information can be stored in a cloud server; for another example, the correspondence relationship between the object information and the medium information is stored in the cloud server, and the acquired object information and medium information may be subsequently subjected to security verification in the cloud server when data processing is performed on the payment medium.

The data processing scheme of the embodiment of the application can be combined with artificial intelligence, for example, when the object information of the held object of the payment medium is inquired from the client according to the medium information of the payment medium, the held object can be inquired and authorized in a voice mode or a face recognition mode, and at the moment, voice recognition or image recognition can be carried out by means of voice technology or computer vision technology in the artificial intelligence so as to inquire and authorize, and the object information of the held object of the payment medium can be inquired and accessed to the client.

The data processing scheme provided by the embodiment of the application has the following beneficial effects: the method has the advantages that the medium information of the payment medium is directly read through the near field communication of the terminal equipment, an object is not required to manually input the medium information of the payment medium, errors caused by manually inputting the medium information of the payment medium are avoided, the problems that the payment medium is dependent on proper illumination and is placed at a proper distance in front when the payment medium is identified by adopting an image are solved, a certain learning cost and a certain use cost are reduced, the accuracy of acquiring the medium information of the payment medium is improved, the time for acquiring the medium information is saved, the follow-up data processing such as binding, unbinding and payment of the payment medium can be rapidly realized, and the data processing efficiency of the payment medium is improved; in addition, after the medium information of the payment medium is acquired, the payment medium is checked, so that the accuracy of the medium information can be further improved. In addition, the object information of the holding object is directly obtained from the historical data of the payment medium, and the object information of the holding object is multiplexed, so that the data processing efficiency of the payment medium can be further improved without inputting the object information such as the name, the ID number and the like of the holding object.

Next, a related description will be given of the data processing system provided by the present application. Referring to FIG. 1, FIG. 1 provides a data processing system according to an embodiment of the present application. As shown in fig. 1, the data processing system may include at least one terminal device 101 and at least one server 102, which is not limited by the number of terminal devices, but may also be a plurality of servers, which is not limited by the present application. The terminal device 101 and the server 102 in the data processing system may be directly or indirectly connected through wired or wireless communication. Wherein:

the terminal device 101 is configured with near field communication hardware supporting near field communication, for example, the near field communication hardware may be NFC (near field communication ) hardware. Whether or not a payment medium is placed in a designated area (i.e., a target area) can be detected by near field communication hardware configured in the terminal device 101; wherein the payment medium may be a deposit card, credit card, or the like; a wide variety of clients are running in the terminal device 101, which may be payment clients, repayment clients, instant messaging clients, etc. Data processing such as binding, unbinding, payment, etc. may be performed on the payment medium in the client. For example, the payment medium is a credit card, which can be bound in the client; as another example, the payment medium is a deposit card, and the payment medium may be subjected to payment processing in the client. The terminal device may include, but is not limited to, a smart phone, a tablet computer, a notebook computer, a desktop computer, a smart speaker, a smart watch, a vehicle-mounted terminal, a smart wearable device, and the like.

The server 102 may correspond to a client, and provide technical support for a service provided by the client. The server 102 may store historical binding data, historical payment data, etc. for the payment medium in the client. The server 103 may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or a cloud server that provides cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDNs (Content Delivery Network, content delivery networks), basic cloud computing services such as big data and artificial intelligence platforms, and the like.

The data processing flow is described below by taking the terminal device 101 and the server 102 as an example:

(1) When the holding object wants to perform data processing on the payment medium, a data processing request can be sent to the terminal device 101, and the terminal device 101 responds to the data processing request and outputs first prompt information, wherein the first prompt information is used for indicating the position of a target area of the terminal device and indicating the holding object to place the payment medium in the target area; meanwhile, the terminal equipment starts to call near field communication hardware to monitor a target area (such as a back area of the terminal equipment) in the terminal equipment, when a holding object places a payment medium in the target area, at the moment, the near field communication hardware monitors the payment medium in the target area, then establishes near field communication between the payment medium and the terminal equipment according to a near field communication protocol standard, and directly reads medium information of the payment medium based on the near field communication.

(2) After reading the medium information of the payment medium, the terminal device 101 may transmit a data acquisition request carrying the medium information of the payment medium to the server 102, and then the server 102 may acquire the history data of the payment medium according to the medium information of the payment medium, and acquire the object information of the holding object of the payment medium from the history data of the payment medium, and then transmit the object information of the holding object to the terminal device 101 after receiving the data acquisition request.

(3) The terminal device 101, after receiving the object information holding the object, may perform data processing on the payment medium according to the object information and the medium information. Wherein the data processing performed on the payment medium is different for different data processing requests.

In one embodiment, when the holding object wants to bind the payment medium in the client of the terminal device, the data processing request may be used to request binding of the payment medium in the terminal device 101, the terminal device 101 may display the object information and the medium information on a binding interface of the client after receiving the object information of the holding object, the holding object may check the accuracy of the object information and the medium information, and confirm whether the payment medium is bound in the client; when the terminal equipment detects the confirmation operation of the object information and the medium information, the holding object agrees to bind the payment medium, and the login object account number of the client, the object information of the holding object and the payment medium can be associated and bound, so that the payment medium can be directly used in the client later; alternatively, the login object account number of the associated binding client, object information of the holding object, and the payment medium may be stored in the server 102 so that the object information of the holding object may be directly multiplexed the next time data processing is performed on the payment medium as history data of the payment medium. The login object account here refers to an account allocated by a client for a login object and capable of logging in the client, where the login object account has uniqueness, and the login object may be a holding object of a payment medium.

In another embodiment, when the holding object wants to make a payment using the payment medium in the terminal device 101, the data processing request may be used to request a payment using the payment medium. After receiving the object information of the holding object, the terminal device 101 may display the object information and the medium information on a payment interface, in which order information to be paid is also displayed, the holding object may check the accuracy of the object information, the medium information, the order information to be paid, and confirm whether to pay the order information using the payment medium in the client; when receiving a confirmation operation for the medium information and the object information, which means that the holding object agrees to pay the order using the payment medium, the terminal device 101 can perform payment processing for the payment medium based on the order information.

In yet another embodiment, where the payment medium has been bound in the client of the terminal device 101, the holding object may unbind the payment medium in the client of the terminal device 101. At this point, the data processing request may be used to request unbinding of the payment medium from the client. After receiving the object information of the holding object, the terminal device 101 may display the object information and the medium information on the unbinding interface, the holding object may confirm the accuracy of the object information and the medium information, and confirm whether to unbinding the payment medium, and when receiving the unbinding confirmation operation, the terminal device may unbinding the payment medium in the client.

It will be appreciated that in the embodiments of the present application, various types of data related to a login object or a holding object, such as medium information of a payment medium of the holding object, object information of the holding object, history binding data of the payment medium, history payment data, and the like, are involved, and when the above embodiments of the present application are applied to specific products or technologies, permission or consent of the holding object or the login object needs to be obtained, and collection, use, and processing of the related data need to comply with related laws and regulations and standards of related countries and regions.

In the data processing system provided by the embodiment of the application, the problem that the payment medium can be monitored only by continuously trying to place the payment medium on the terminal equipment is solved by outputting the first prompt information, and the time for establishing the near field communication between the payment medium and the terminal equipment is greatly shortened; the method has the advantages that the short-range communication of the terminal equipment is used for directly reading the medium information of the payment medium, an object is not required to manually input the medium information of the payment medium, errors caused by manually inputting the medium information of the payment medium are avoided, the problems that the payment medium is dependent on proper illumination and is placed at a proper distance in front when the payment medium is identified by adopting an image are solved, a certain learning cost and a certain use cost are reduced, the accuracy of acquiring the medium information of the payment medium is improved, the time for acquiring the medium information is saved, the follow-up data processing such as binding, unbinding and payment of the payment medium can be realized rapidly, and the data processing efficiency of the payment medium is improved; in addition, after the more accurate medium information is obtained, the object information of the holding object is directly obtained from the historical data of the payment medium, and the object information of the holding object is multiplexed, so that the data processing efficiency of the payment medium can be further improved without inputting the object information such as the name, the ID number and the like of the holding object.

The data processing method provided by the application is described in the following. Referring to fig. 2, fig. 2 is a flow chart of a data processing method according to an embodiment of the application. The data processing method can be executed by a terminal device; the data processing method described in the present embodiment may include the following steps S201 to S205:

s201, responding to a data processing request, outputting first prompt information, wherein the first prompt information is used for indicating the position of a target area of terminal equipment and indicating that a payment medium is placed in the target area; the payment medium may be, among other things, a debit card, a deposit card, a credit card, etc. The location of the target area includes any of the following: any position in a screen of the terminal equipment, any position of the terminal equipment, and any position which can be monitored by near field communication hardware in the terminal equipment. For example, as shown in fig. 3a, the target area may be an area 32 in the screen of the terminal device, and accordingly, the first hint information is used to indicate the area 32 in the screen of the terminal device and to indicate the area 32 in which the payment medium is placed in the screen of the terminal device. For another example, the location of the target area may be a middle area of the back side of the terminal device, and the corresponding first prompt information is used to indicate the middle area of the back side of the terminal device and indicate that the payment medium is placed in the middle area of the back side of the terminal device. As another example, as shown in fig. 3b, the target area is a region 321 that can be monitored by the near field communication hardware, and accordingly, the first prompt information is used to indicate the region 321 that can be monitored by the near field communication hardware, and indicate that the payment medium is placed in the region 321 that can be monitored by the near field communication hardware.

In one embodiment, when the holding object wants to perform data processing on the payment medium, a data processing request for the payment medium may be submitted in the terminal device, and the terminal device may output the first hint information in text form in response to the data processing request, and in fig. 3a, the terminal device outputs the first hint information 31 "in text form identifying the area 32, please put the payment medium there. In another embodiment, the terminal device may output the first prompt information in the form of voice. For example, the first prompt message "please put the bank card in the middle area of the back of the terminal device" is output in the form of voice. In still another embodiment, when outputting the first hint information, the hint information is output in combination with both text and speech, and the terminal device responds to the data processing request while outputting the first hint information in text form and outputting the first hint information in speech form.

In the embodiment of the application, a first client in the terminal device is taken as an example, when a holding object wants to execute data processing on a payment medium, an icon of the first client can be triggered to enter the first client, the data processing to be executed on the payment medium is selected in the first client, and correspondingly, the terminal device can receive a data processing request for the payment medium. For example, the holding object selects a binding payment medium in the first client, then the data processing request is for requesting binding payment medium in the first client; for another example, the holding object selects to pay the order using the payment medium in the first client, the data processing request is for requesting payment using the payment medium; for another example, the holding object selects to unbind the payment medium in the first client, and the data processing request requests to unbind the payment medium from the first client in a case where history binding data of the payment medium is recorded in the first client.

In one embodiment, the terminal device may display a data processing interface in response to the data processing request, and output first prompt information in the data processing interface. For example, as shown in fig. 3a, in response to a data processing request, a data processing interface 301 is displayed, and a first presentation information 31 is displayed in an area 32 (the area 32 at this time is a target area) of the data processing interface 301. It should be understood that: the first prompt information may be displayed at a location of the target area, or the first prompt information may be displayed at other locations in the terminal device; optionally, an image recognition payment medium option 34 may also be displayed in region 33 of data processing interface 301, and a payment medium input option 35 may be displayed in other regions of data processing interface 301; the medium information of the payment medium can be directly manually input through the payment medium input option 35, and the medium information of the payment medium can be directly scanned and identified through the image identification payment medium option 34.

In one embodiment, in the process of outputting the first prompt information, the near field communication hardware in the terminal device may be invoked to monitor the target area, the holding object may directly place the payment medium in the target area according to the first prompt information, and if the near field communication hardware monitors the payment medium in the target area, it is determined that the payment medium is placed in the target area. If the near field communication hardware does not detect the payment medium in the target area, it is determined that the payment medium is not placed in the target area. At this time, the target area refers to an arbitrary area within a monitoring range of the near field communication hardware; the location of the target area includes any of the following: any position in the screen of the terminal equipment and any position of the terminal equipment. For example, in fig. 3a, the location of the target area may be an area 32 in the screen of the terminal device that the near field communication hardware is able to monitor; as another example, the location of the target area may be a middle area of the back of the terminal device that the near field communication hardware is able to monitor. The embodiment of the application does not limit the target area, and the target area can be monitored within a monitoring range which can be monitored by near field communication hardware. Through the first prompt information, the problem that the holding object can be monitored by the near field communication hardware only by continuously trying to contact the payment medium with the terminal equipment is solved, the time for the near field communication hardware to monitor (or sense) the payment medium and establish near field communication between the payment medium and the terminal equipment is shortened, and the acquisition efficiency of medium information of the follow-up payment medium can be improved.

Before the near field communication hardware monitoring target area in the terminal device is called in response to the data processing request, whether near field communication hardware is configured in the terminal device or whether near field communication hardware in the terminal device is started needs to be determined. The terminal device can call a near field communication interface (such as an NFC interface) to judge whether near field communication hardware is in an available state, if the near field communication interface can be successfully called, the near field communication hardware is determined to be in the available state, first prompt information can be output, and the step of calling the near field communication hardware monitoring target area in the terminal device is executed. If the near field communication interface cannot be successfully invoked, it is determined that the near field communication hardware is in an unavailable state, a default data processing interface 401 as shown in fig. 4 may be displayed, and the default data processing interface 401 does not display the first prompt information, that is, the near field communication hardware cannot be used to monitor the target area. At this time, one or more of the following may be included in the data processing interface 401: the image identifies a payment medium option 41, a payment medium input option 42.

S202, when the payment medium is placed in the target area, the close range communication between the payment medium and the terminal device is established.

When the payment medium is placed in the target area, the terminal device may check and confirm whether the payment medium supports a near field communication standard, such as ISO-DEP (ISO 14443-4), and after determining that the payment medium supports the near field communication standard, near field communication between the payment medium and the terminal device may be established based on the near field communication standard.

S203, reading medium information of the payment medium based on the near field communication, the medium information including an identification of the payment medium.

Wherein the identification of the payment medium may be used to uniquely identify the payment medium. The identification of the payment medium can be a string of characters combining numbers, numbers and letters, and the application is not limited to the above, for example, the payment medium is a bank card, and the identification of the payment medium is the card number of the bank card; further, the media information may also include any one or more of the following: the type of media, the expiration date of the media, the name of the institution to which the payment media belongs (i.e., the institution that issued the payment media or the issuing system that issued the payment media). For example, the payment medium is a bank card, and the medium information may further include any one or more of the following: the type of the bank card (such as credit card type, debit card type, etc.), the validity period of the bank card (such as 2011/5/1-2022/4/30), the name of the bank to which the bank card belongs. In one embodiment, the terminal device may send an information query instruction to a target application program storing the medium information of the payment medium based on the near field communication, where the information query instruction carries an identifier of the payment medium, and the target application program may query the medium information of the payment medium based on the identifier of the payment medium in response to the medium query instruction, and return the queried medium information to the terminal device.

S204, acquiring object information of a holding object of the payment medium from historical data of the payment medium according to the medium information; wherein the historical data may include one or more of: historical binding data of the payment medium, historical payment data of the payment medium. It should be understood that when binding a payment medium or when making a payment using a payment medium, there may be cases where object information of a holding object of the payment medium is input, and at this time, the object information of the holding object of the payment medium may be contained in history binding data or history payment data. The object information may be a name, an ID number, or the like of the holding object. The terminal device may acquire the history data of the payment medium based on the medium information, and directly acquire the object information of the holding object of the payment medium from the history data of the payment medium. By directly acquiring the object information of the holding object from the historical data of the payment medium, multiplexing the object information of the holding object in the historical data is realized, and the object information of the holding object is not required to be input, so that the rapid data processing on the payment medium can be realized.

In the embodiment of the application, the following three ways are provided for obtaining the object information of the holding object of the payment medium from the historical data of the payment medium according to the medium information; the three modes are as follows:

(1) The terminal device comprises a plurality of clients, and the terminal device comprises a first client, for example, the data processing method is applied to the first client, that is, steps S201-S204 are executed in the first client to realize the data processing on the payment medium. The payment may be made using the above-described payment medium or bound to the payment medium in any one of the clients (except the first client) in the terminal device, in which case the history data of the payment medium is recorded in the client, in which case the terminal device may directly acquire the history data of the payment medium from the client in which the history data of the payment medium is recorded. Assuming that the second client side contained in the terminal equipment records historical data of the payment medium, the terminal equipment can send a first query request to the second client side, wherein the first query request carries identification of the payment medium, and the first query request is used for requesting to query object information of a holding object of the payment medium from the historical data of the payment medium recorded in the second client side; the second client responds to the first query request, queries object information of a holding object of the payment medium from historical data of the payment medium, and returns the object information of the holding object to the first client; the terminal device may then receive object information returned by the second client in response to the first query request.

In one embodiment, no authorization exists between the clients in the terminal device, so that before the first client sends the first query request to the second client, whether the first client has the query authority of the second client needs to be judged, and by setting the query authority, abnormal query of data in the second client by other clients can be prevented, so that the security of the data in the second client can be ensured. The terminal device may detect whether the first client has the query authority of the second client before sending the first query request to the first client, and if it is determined that the first client has the query authority of the second client, execute sending the first query request to the second client; if the first client does not have the query authority of the second client, the terminal device can output an authorization request, wherein the authorization request is used for requesting the first client to grant the query authority of the second client; then, the login object (i.e. the holding object) of the first client can determine whether to perform authorization according to the authorization request, when the terminal device receives a confirmation operation for the authorization request, the query authority of the second client can be set for the first client, and the step of sending the first query request to the second client is performed.

As an implementation manner, the authorization request carries a confirmation option and a cancel option, the confirmation option is used for confirming the authorization, the cancel option is used for canceling the authorization, and when the login object triggers the confirmation option in the authorization request, the terminal device can receive a confirmation operation for the authorization request. As an implementation, the embodiment of the application can utilize voice technology in artificial intelligence for voice authorization. After the authorization request is output, the login object can directly input voice authorization, the terminal equipment can directly identify the voice authorization to obtain a voice identification result authorization, and the terminal equipment receives confirmation operation for the authorization request through the voice identification result; as another implementation, embodiments of the present application may utilize computer vision techniques in artificial intelligence for image recognition. The terminal equipment is provided with a camera (or a camera shooting component), the login object can be authorized through facial expression or facial action, and the camera can capture the facial expression or the facial action of the login object; specifically, the terminal device may call the camera to collect the facial image of the login object, and identify the facial image to obtain an identification result. If the identification result is a preset expression (such as smile), the terminal equipment receives a confirmation operation aiming at the authorization request; or if the recognition result is a preset facial action (such as blinking, opening mouth, etc.), the terminal device receives a confirmation operation for the authorization request.

(2) The terminal equipment comprises a first client, wherein the first client possibly binds a payment medium, and then the history data of the payment medium is recorded in the first client, wherein the history data can comprise the history binding data of the payment medium in the first client; then, the terminal device may directly obtain, according to the medium information, historical binding data of the payment medium in the first client from a storage space corresponding to the first client, and obtain the object information from the historical binding data of the payment medium in the first client. For example, the payment medium is a bank card, the medium information includes a card number of the bank card, and the terminal device may directly obtain, according to the card number of the bank card, historical binding data of the bank card in the first client from a storage space corresponding to the first client.

(3) Since each of the payment media is generated based on the object information of the holding object in the issuing system, the object information of the holding object is similarly recorded in the issuing data generated during the generation of the payment media. The history data of the payment medium includes release data of the payment medium, the terminal device may send a second query request to the release system of the payment medium, where the second query request carries an identifier of the payment medium, the second query request is used to request to obtain object information of a holding object of the payment medium from the release data of the payment medium recorded in the release system, the release system may obtain, in response to the second query request, release data of the payment medium based on the identifier of the payment medium, directly obtain the object information of the holding object of the payment medium from the release data, and then return the object information of the holding object to the terminal device, and the terminal device may receive the object information of the holding object returned by the release system in response to the second query request.

The issuing system responds to the second query request, the issuing system can match the identification of the payment medium with the identification of the plurality of reference payment media, and if the identification of the payment medium is matched with the identification of any one of the plurality of reference payment media, the issuing system determines the issuing data of the matched reference payment media as the issuing data of the payment medium.

Through the three modes, the terminal equipment can quickly multiplex the object information of the holding object of the payment medium, so that the object information of the holding object is free from being input, further, the data processing can be quickly performed on the payment medium, and the data processing efficiency of the payment medium is improved.

S205, data processing is performed on the payment medium based on the medium information and the object information.

For different data processing requests of the payment medium, the terminal device may perform different data processing on the payment medium based on the medium information and the object information.

(1) When the data processing request is used for requesting binding of the payment medium in the first client, a specific implementation manner of performing data processing on the payment medium based on the medium information and the object information may be: displaying a binding interface, automatically filling the read medium information in the binding interface, automatically filling the acquired object information, and confirming the medium information and the object information in a binding boundary surface by a login object (namely a holding object) in the first client, wherein when confirmation operation of the medium information and the object information is received, the medium information of the payment medium, a login object account number of the first client and the object information are associated and bound, and at the moment, the payment medium can be directly used in the first client for payment and transfer processing.

As an implementation, a confirm option and a cancel option may be included in the binding interface, as shown in fig. 5a, and the area 51 of the binding interface 501 is automatically filled with the read media information and the area 52 is automatically filled with the acquired object information. Also included in the binding interface 501 are an acknowledgement option 53 and a cancel option 54. The login object can trigger a confirmation option 53, and correspondingly, the terminal equipment receives confirmation operation on the medium information and the object information; the login object may trigger the cancel option 54, and accordingly, the terminal device may receive a cancel operation of the media information and the object information, which may mean that there is a problem with the media information and/or the object information, or the login object does not want to bind the payment media, and exits the binding interface. As another implementation manner, the medium information and the object information are confirmed by a voice manner, the login object can input voice "confirmation", the terminal device performs voice recognition on the voice "confirmation" to obtain a voice recognition result "confirmation", and the terminal device also receives confirmation operation on the medium information and the object information through the voice recognition result.

In one embodiment, the medium information of the associated and bound payment medium, the login object account number of the first client side and the object information are used as historical binding data of the payment medium, so that the object information of the holding object is not input when the data processing is performed on the payment medium next time. In another embodiment, the medium information of the associated and bound payment medium, the login object account number of the first client side and the object information can be uploaded to the blockchain network as historical binding data of the payment medium, and the historical binding data can be traced and prevented from being tampered by uploading the blockchain network.

(2) When the data processing request is for requesting payment using the payment medium; the data processing request may carry order information to be paid, which may include an order name, an amount to be paid, and the like. At this time, based on the medium information and the object information, a specific implementation manner of performing data processing on the payment medium may be: displaying a payment interface; automatically filling the read medium information in a payment interface, and automatically filling the acquired object information; when a confirmation operation for the medium information and the object information is received, a payment process is performed on the payment medium based on the order information.

As an implementation, a confirm option and a cancel option may be included in the payment interface, as shown in fig. 5b, with the read media information being automatically filled in area 55 of the payment interface 502 and the read object information being automatically filled in area 56; order information to be paid is displayed in area 57. A confirmation option 58 and a cancel option 59 may also be displayed in the payment interface. The login object can trigger a confirmation option 58, and correspondingly, the terminal equipment receives confirmation operation on the medium information and the object information; the login object may trigger the cancel option 59, and accordingly, the terminal device may receive a cancel operation of the media information and the object information, which may mean that there is a problem with the media information and/or the object information, or that the login object does not want to use the payment media for payment, and exits the payment interface. As another implementation manner, the medium information and the object information are confirmed by a voice manner, the login object can input voice "confirmation", the terminal device performs voice recognition on the voice "confirmation" to obtain a voice recognition result "confirmation", and the terminal device also receives confirmation operation on the medium information and the object information through the voice recognition result.

(3) The first client records historical binding data of the payment medium, and when the data processing request is used for requesting to unbind the payment medium from the first client, a specific implementation manner of performing data processing on the payment medium based on the medium information and the object information may be: based on the medium information and the object information, searching and displaying historical binding data of the payment medium in the first client, wherein the historical binding data comprises an association binding relation between the payment medium and a login object account in the first client; and when the unbinding confirmation operation is received, releasing the association binding relation between the payment medium and the login object account in the first client. As an implementation, in fig. 5c, based on the media information and the object information, historical binding data of the payment media in the first client is found, and the historical binding data of the payment media in the first client is displayed in an area 60 of the unbinding interface 503. In addition, the unbinding interface 503 may further include a cancel option 61 and a confirm option 62, the login object may trigger the confirm option 62, and correspondingly, the terminal device may receive an unbinding confirm operation; the login object may trigger the cancel option 61, and correspondingly, the terminal device may receive an unbinding cancel operation, which may mean that unbinding processing is not required to be performed on the payment medium, and the unbinding interface is exited. As another implementation manner, whether to unbind may be determined through voice input, and the specific implementation manner of determining whether to bind to the payment medium through voice input may be referred to above, which is not described herein.

In one embodiment, the embodiment of the application relates to a cloud security technology, and aims at security verification of medium information and object information, the embodiment of the application does not carry out security verification on terminal equipment, and the security verification of the medium information and the object information is put in a cloud server for verification, so that the security of the information verification is effectively ensured. Specifically, the terminal device may send a verification request to the cloud server, where the verification request carries media information and object information, and the verification request is used to request the cloud server to perform security verification on the media information and the object information; after receiving the verification request, the cloud server responds to the verification request to carry out security verification on the medium information and the object information to obtain a verification result, and returns the verification result to the terminal equipment; the terminal equipment receives a verification result returned by the cloud server; and if the verification result indicates that the security verification is successful, executing the step of executing data processing on the payment medium based on the medium information and the object information. It can be determined by security verification whether the payment medium corresponds to the holding object, i.e. whether the payment medium is generated with the object identity information of the holding object.

The cloud server can determine whether the medium information and the object information belong to the corresponding relation in the corresponding relation table after receiving the verification request, if the medium information and the object information do not belong to the corresponding relation in the corresponding relation table, the verification result is that the security verification is unsuccessful, and if the medium information and the object information belong to the corresponding relation in the corresponding relation table, the verification result is that the security verification is passed. For example, the correspondence table includes: correspondence of reference medium information 1 and reference object information 1, correspondence of reference medium information 2 and reference object information 2; the verification request is provided with medium information 1 and object information 1, the medium information 1 and the object information 1 carried by the verification request belong to the corresponding relation between the reference medium information 1 and the reference object information 1 in the corresponding relation table, and the cloud server can pass the security verification of the medium information and the object information, namely the verification result is the security verification passing.

In the embodiment of the application, the first prompt information is output in response to the data processing request, the first prompt information is used for indicating the position of the target area of the terminal equipment and indicating that the payment medium is placed in the target area, and the problem that the payment medium can be monitored only by continuously attempting to place the payment medium on the terminal equipment is solved by outputting the first prompt information, so that the time for establishing close-range communication between the payment medium and the terminal equipment is greatly shortened; further, when the payment medium is placed in the target area, establishing close-range communication between the payment medium and the terminal device; then reading medium information of the payment medium based on the near field communication, wherein the medium information comprises identification of the payment medium; acquiring object information of a holding object of the payment medium from historical data of the payment medium according to the medium information; and performing data processing on the payment medium based on the medium information and the object information. The method has the advantages that the medium information of the payment medium is directly read through the near field communication of the terminal equipment, an object is not required to manually input the medium information of the payment medium, errors caused by manually inputting the medium information of the payment medium are avoided, the problems that the payment medium is dependent on proper illumination and is placed at a proper distance in front when the payment medium is identified by adopting an image are solved, a certain learning cost and a certain use cost are reduced, the accuracy of acquiring the medium information of the payment medium is improved, the time for acquiring the medium information is saved, the follow-up data processing such as binding, unbinding and payment of the payment medium can be rapidly realized, and the data processing efficiency of the payment medium is improved; in addition, the medium information based on the payment medium can directly acquire the object information of the held object from the historical data of the payment medium, and the object information is not required to be input by the object, so that the data processing efficiency of the payment medium is further improved.

Referring to fig. 6, fig. 6 is a flowchart illustrating another data processing method according to an embodiment of the application. The data processing method may be executed by the terminal device, and the data processing method described in the present embodiment may include the following steps S601 to S606:

s601, responding to a data processing request, outputting first prompt information, wherein the first prompt information is used for indicating the position of a target area of terminal equipment and indicating that a payment medium is placed in the target area.

S602, when the payment medium is placed in the target area, establishing close range communication between the payment medium and the terminal device.

The specific implementation manner of steps S601 to S602 may be referred to the specific implementation manner of steps S201 to S202, and will not be described herein.

S603, acquiring identification of a target application program in the payment medium based on the near field communication. The medium information of the payment medium is stored in the target application program, the payment medium can support one or more application programs, and the payment medium can be used for running one or more application programs; the one or more applications may include a target application; the target application may be determined based on the media type of the payment media. For example, the payment medium is a silver debit card, then the target application is a silver debit card application; for another example, the payment medium is a UnionPay credit card, then the target application is a UnionPay credit card application.

In order to be able to successfully acquire the medium information of the payment medium from the specific target application, the terminal device may determine a target application, which is able to acquire the medium information storing the payment medium, from among one or more applications supported by the payment medium, before performing step S603. The embodiment of the application takes the payment medium as an integrated circuit card as an example to describe in detail how to determine the target application program from one or more application programs supported by the payment medium. The integrated circuit card is configured with an application protocol data unit, the terminal device can utilize the specification of the application protocol data unit to perform data interaction with the integrated circuit card, and at this time, the specific implementation manner of acquiring the identifier of the target application program in the payment medium based on the near field communication by the terminal device can be as follows: based on the near field communication, generating a program inquiry instruction according to the specification of the application protocol data unit, and sending the program inquiry instruction to the payment medium, wherein the program inquiry instruction is used for inquiring the application program supported by the payment medium; receiving an application program list returned by the payment medium in response to the program inquiry instruction, wherein the application program list comprises identifications of one or more application programs supported by the payment medium; the identity of the target application is then obtained from the application list.

The application protocol data unit may be an APDU unit (Application Protocol Data Unit), and according to the specification of the application protocol data unit, a program query instruction of specific content in a specific format (i.e. a plurality of fields) may be generated (i.e. each field is filled with corresponding content), where the program query instruction of specific content in the specific format enables the application protocol data unit in the payment medium to quickly identify an application program or other data to be queried by the terminal device. After receiving the program inquiry instruction, the payment medium can respond to the program inquiry instruction, acquire the application program list supported by the payment medium, and return the application program list according to the specification of the application protocol data unit. The identity of any application may be a string of characters. For example, the identification of a Unionpay debit card application is A000000333010101.

S604, triggering and starting the target application program according to the identification of the target application program.

The terminal device may generate a program start instruction according to the specification of the application protocol data unit, and send the program start instruction to the target application program, where the program start instruction carries an identifier of the target application program, and after receiving the program start instruction, the target application program responds to the program start instruction, and the target application program is started successfully.

S605, sending an information inquiry instruction to the started target application program; and receiving medium information returned by the target application program in response to the information inquiry instruction, wherein the medium information comprises identification of the payment medium.

The terminal device may generate an information inquiry command according to the specification of the application protocol data unit, and send the information inquiry command to the started target application program, where the information inquiry command is used to inquire the medium information of the payment medium stored in the target application program. After receiving the information inquiry instruction, the started target application program directly acquires the medium information of the payment medium according to the payment medium identifier and returns the medium information of the payment medium to the terminal equipment; accordingly, the terminal device can receive the media information returned by the started target application program in response to the information query instruction.

In one embodiment, before executing step S606, the terminal device needs to verify the medium information, and by verifying the medium information, the problem that the medium information of the payment medium is wrong during transmission can be effectively avoided, and the holding object is not required to confirm the medium information of the payment medium for the second time. Specifically, the terminal device checks the medium information, and if the medium information passes the check, step S606 is executed; and if the verification of the medium information is not passed, outputting second prompt information, wherein the second prompt information is used for prompting the reading of the medium information of the payment medium again or prompting the replacement of a new payment medium. The media information includes one or more of the following: identification of the payment medium, medium type of the payment medium, medium expiration date of the payment medium.

(1) When the medium information includes an identifier of the payment medium, the process of checking the medium information by the terminal device may be: checking the correctness of the identification of the payment medium by adopting a checking algorithm, and if the checking result indicates that the identification of the payment medium is correct, checking the medium information; if the verification result indicates that the identification of the payment medium is incorrect, the medium information verification is not passed. Wherein, when the identification of the payment medium is a character string of a digital class, the verification algorithm may be a Luhn algorithm; at this time, verifying the correctness of the identification of the payment medium using the verification algorithm may be: starting from the number of the target position in the identification of the payment medium, multiplying the number of the even number in the identification of the payment medium by the target number (for example, the target number is 2) to obtain an updated number of the even number; if the update number of the even number is two numbers, processing the update number (for example, adding the bit and ten bits of the update number or subtracting a prescribed number (for example, 9) from the update number) to obtain a new number of the even number; the number of the odd bits in the identification of the payment medium is unchanged; then the terminal equipment can sum up the new digits of all even digits and the digits of all odd digits to obtain the sum of the identifiers of the payment media, and if the sum can be divided by the preset data, the identifiers of the payment media are correct; if the sum is not divisible by the preset data, the identification of the payment medium is incorrect. The target location may be the last location in the identity of the payment medium or the first location in the identity of the payment medium; the preset data may be 10, 20, etc., which is determined when the identification of the payment medium is generated. For example, the payment medium is a bank card, the identification of the payment medium is the card number of the bank card, the card number is 1111115525852884, the number of the odd number bits in the card number is unchanged (namely 4, 8 and 5 …) according to the Luhn algorithm from the number "4" at the last position of the card number, and the number of the even number bits in the card number is multiplied by 2 (namely 8, 2, 8 and …) to obtain an updated number of each even number bit; if the update number of the even digit is two digits, the update number of the even digit is processed to obtain a new number of the even digit (for example, the number 8 of the even digit is multiplied by 2 to be 16, the update number 16 of the even digit is two digits, ten digits and one digit are directly added to obtain a new number 7 of the even digit), and finally the sum of the card numbers is calculated to be 59, the sum cannot be divided by 10, and the identification of the payment medium is incorrect.

(2) When the medium information includes a medium type of the payment medium, the verification of the medium information by the terminal device may be: and acquiring a target medium type required by data processing, detecting whether the medium type of the payment medium is consistent with the target medium type, if the medium type of the payment medium is consistent with the target medium type, checking the medium information, and if the medium type of the payment medium is inconsistent with the target medium type, checking the medium information, otherwise, checking the medium information.

(3) When the medium information includes a medium validity period, the verification of the medium information by the terminal device may be: acquiring current system time, judging whether the current system time is in the medium validity period, and if the current system time is determined to be in the medium validity period, checking and passing the medium information; if the current system time is not in the medium effective period, the medium information verification is not passed.

It should be understood that the media information includes a variety of: the identification of the payment medium, the type of the medium and the validity period of the medium can be checked by the terminal equipment when checking the medium information, wherein the identification of the payment medium, the type of the medium and the validity period of the medium are all checked by the terminal equipment, so that the check of the medium information is determined to pass or fail, and the current payment medium can be effectively ensured to meet the requirements or be used. For example, when the medium information includes a medium type and a medium validity period, the terminal device may acquire a target medium type required for data processing when checking the medium information, and detect whether the medium type of the payment medium is consistent with the target medium type, if the medium type of the payment medium is consistent with the target medium type, acquire the current system time, and determine whether the current system time is within the medium validity period, and if it is determined that the current system time is within the medium validity period, the medium information is checked.

In one embodiment, after receiving the medium information returned by the target application program in response to the information inquiry instruction, the terminal device may directly actively disconnect the near field communication with the payment medium, and close the near field communication hardware of the terminal device. Wasting resources of the terminal device can be avoided by actively disconnecting the near field communication with the payment medium. It should be understood that the terminal device can actively disconnect the close-range communication with the payment medium after the verification of the medium information of the payment medium is passed, so that the time consumption increased by establishing the close-range communication with the payment medium again in the subsequent process can be avoided under the condition that the medium information is wrong, and the acquisition efficiency of the medium information and the subsequent data processing efficiency of the payment medium can be improved; meanwhile, resources of the terminal equipment can be saved to a certain extent.

S606, acquiring object information of a holding object of the payment medium from historical data of the payment medium according to the medium information; and performing data processing on the payment medium based on the medium information and the object information.

In the embodiment of the application, the first prompt information is output in response to the data processing request, the first prompt information is used for indicating the position of the target area of the terminal equipment and indicating that the payment medium is placed in the target area, and the problem that the payment medium can be monitored only by continuously attempting to place the payment medium on the terminal equipment is solved by outputting the first prompt information, so that the time for establishing close-range communication between the payment medium and the terminal equipment is greatly shortened; further, when the payment medium is placed in the target area, establishing close-range communication between the payment medium and the terminal device; acquiring an identification of a target application program supported by a payment medium based on near field communication, and triggering and starting the target application program according to the identification of the target application program; sending an information inquiry instruction to the started target application program; and receiving the medium information returned by the target application program in response to the information inquiry instruction. Then according to the medium information, acquiring object information of a holding object of the payment medium from the historical data of the payment medium; and performing data processing on the payment medium based on the medium information and the object information. The medium information of the payment medium is directly read through the near field communication of the terminal equipment, an object is not required to manually input the medium information of the payment medium, the accuracy of acquiring the medium information of the payment medium is improved, the time for acquiring the medium information can be saved, the data processing of the payment medium can be rapidly realized, and the data processing efficiency of the payment medium is improved; in addition, after the medium information of the payment medium is acquired, the payment medium is checked, so that the accuracy of the medium information can be further improved. In addition, the medium information based on the payment medium can directly acquire the object information of the held object from the historical data of the payment medium, and the object information such as name, ID number and the like is not required to be input by the object, so that the data processing efficiency of the payment medium is further improved.

The data processing method provided by the embodiment of the application can be applied to the scenes of binding payment media in the client, paying by using the payment media or unbinding the payment media bound in the client. The data processing method is specifically described below by taking a payment medium as a bank card and binding the bank card in a repayment client. Please refer to fig. 7a and 7b:

(1) As shown in fig. 7a, fig. 7a is a schematic flow chart of binding a bank card. When the login object (namely the holding object) wants to bind the bank card in the repayment client, a card binding interface can be opened, correspondingly, the terminal equipment can receive a data processing request (namely the card binding request) aiming at the payment medium, the terminal equipment can judge whether NFC hardware in the terminal equipment is in an available state through the NFC interface or not according to the data processing request, if the NFC interface can be successfully called, the NFC hardware is in an unavailable state (namely the terminal equipment is not supported by NFC), and a default card binding interface is displayed. If the NFC interface cannot be successfully invoked, the NFC hardware is in an available state (i.e. the terminal device is indicated to support NFC), and a binding interface 701 supporting NFC as shown in fig. 7b is displayed, where the binding interface 701 includes prompt information 71; the prompt 71 may indicate that the login object places the bank card in a target area on the back of the terminal device.

(2) When the binding card interface is displayed, the terminal device can start NFC monitoring (adapter. Startdiscovery), namely, an NFC hardware monitoring target area in the terminal device is called, a bank card to be bound is placed in the target area on the back of the terminal device by waiting for a login object, when the NFC hardware monitors that the bank card is placed in the target area (namely, an onDiscovered event is triggered), close-range communication between the NFC hardware monitoring target area and the bank card can be established, and card information (namely, medium information) of the bank card is acquired based on the close-range communication.

(3) After receiving the card information of the bank card, the terminal device includes the card number, the card type and the card validity period. As shown in fig. 7a, the terminal device may determine whether the card type of the bank card is a credit card, and if not, output a prompt for using the credit card; if the credit card is the credit card, the current system time is continuously acquired, and whether the system time is in the effective period is judged.

(4) If the system time is within the validity period, judging whether the repayment client side in the terminal equipment records the history binding card data (namely, the history binding data is mentioned). If the repayment client side in the terminal equipment records the historical binding card data, the historical binding card data can be obtained from the storage space of the repayment client side, and the object information of the holding object of the bank card can be obtained from the historical binding card data. If the system time is not within the effective period, outputting prompt information, wherein the prompt information is used for indicating that the bank card is out of date and replacing a new bank card.

(5) After the object information is acquired, in fig. 7b, the acquired card information of the bank card is automatically filled in the area 72 of the binding boundary surface 702 and the object information holding the object is automatically filled in the area 73. In one embodiment, the binding interface includes a cancel option 74 and a confirm option 75, when the hold object clicks the confirm option 74, the terminal device receives a confirm operation for the card information and the object information, and carries out association binding on the login object account number, the object information and the card information of the client, that is, the binding of the card in the client is successful.

(6) If the repayment client side in the terminal equipment does not record the history binding card data, that is, the repayment client side does not have history binding with the bank card. As shown in fig. 7b, if history binding card data is not recorded, the object information input interface 703 is displayed, and the object information input interface 703 automatically fills the card information of the bank card. Binding option 76 is included in the object information input interface; the holding object can input object information of the holding object in the object input interface, click the binding option 76, and the terminal equipment responds to clicking operation of the binding option to perform association binding on the login object account number of the client, the input object information and the card information, namely, the binding of the card in the client is successful.

In one embodiment, a specific implementation manner of establishing near field communication with a bank card and acquiring card information (i.e. media information) of the bank card based on the near field communication may refer to fig. 7c, where fig. 7c is a schematic diagram of communication between a terminal device and the bank card provided by an embodiment of the present application.

(1) The terminal device can start NFC monitoring (adapter. Startdiscovery), namely, call an NFC hardware monitoring target area in the terminal device, when NFC hardware monitors that a bank card is placed in the target area, the terminal device can check and confirm that the bank card supports an NFC ISO-DEP (ISO 14443-4) standard, and start a connection program according to the ISO-DEP (ISO 14443-4) standard, and when the terminal device and the bank card are successfully connected, close-range communication between the terminal device and the bank card is established.

(2) The terminal device may send a program inquiry instruction to the bank card according to the APDU specification (i.e., specific content in a specific format) based on the near field communication, where the program inquiry instruction is used to inquire about the identity of the application supported by the bank card.

(3) Receiving an application program list returned by the bank card in response to the program inquiry instruction, wherein the application program list comprises identifications of one or more application programs; the terminal device may determine the identity of the banking card application (i.e. the identity of the target application) from the identity of one or more applications.

(4) The terminal device can send a program starting instruction to the bank card application according to the APDU specification, the program starting instruction carries the identification of the bank card application, and the program starting instruction can trigger the bank card application to be started.

(5) After the bank card application is started, the terminal device can send an information inquiry instruction to the started bank card application according to the APDU specification, and after the started bank card application receives the information inquiry instruction, the terminal device can acquire card information (medium information) of the bank card and return the card information of the bank card to the terminal device.

(6) After receiving the card information of the bank card, the terminal equipment checks the card information of the bank card in order to prevent data reading errors caused by communication abnormality. Wherein the card information includes: the card number, the card type and the card validity period of the bank card; firstly, the Luhn algorithm can be adopted to check the correctness of the card number in the card information, if the verification is passed, the terminal equipment closes the close-range communication with the bank card and closes the NFC monitoring, and the following flow (namely, the following flows (3) (4) (5) (6)) are directly executed; otherwise, the card information of the bank card is read again.

The data processing method has the following effects:

1. Identification reliability: the method is independent of a network, is simple to operate, can rapidly complete accurate information reading such as card numbers only by sticking a bank card to an area which can be monitored by NFC hardware of terminal equipment, and meanwhile, in order to ensure information accuracy in NFC communication transmission, a Luhn verification algorithm is adopted to verify the bank card numbers, so that error card number information transmission can be effectively avoided, and a user does not need to secondarily confirm the card numbers;

2. identification versatility: all cards of all banking card associations (e.g. Union, VISA, master) are applicable (debit, credit);

3. binding shortcuts and security: by combining the accurately identified card number and the historical binding card data of the held object at the client, whether the current bank card is bound or not can be accurately matched, if so, the user can directly and quickly bind the card by directly multiplexing the object information in the historical binding card data without inputting object information such as names, the operation cost of the user binding card is reduced, the binding card speed and success rate are improved, and meanwhile, the possible personal information leakage risks of schemes depending on network transmission personal information such as image identification, outward-jump bank authorization and the like are avoided.

Referring to fig. 8, fig. 8 is a schematic structural diagram of a data processing apparatus according to an embodiment of the present application; the data processing means may be a computer program (comprising program code) running in the terminal device, for example the data processing means may be an application software in the terminal device; the data processing device may be used to perform some or all of the steps in the method embodiments shown in fig. 2 and 6. Referring to fig. 8, the data processing apparatus includes the following units:

a processing unit 801, configured to output first prompt information in response to a data processing request, where the first prompt information is used to indicate a location of a target area of a terminal device, and indicate that a payment medium is placed in the target area;

a processing unit 801 for establishing close range communication between the payment medium and the terminal device when the payment medium is placed in the target area;

a processing unit 801, configured to read medium information of a payment medium based on near field communication, where the medium information includes an identification of the payment medium;

an obtaining unit 802, configured to obtain, from the history data of the payment medium, object information of a holding object of the payment medium according to the medium information;

the processing unit 801 is further configured to perform data processing on the payment medium based on the medium information and the object information.

In one embodiment, the processing unit 801 is further configured to:

In one embodiment, the processing unit 801, when reading the medium information of the payment medium based on the near field communication, may be specifically used to:

In one embodiment, the payment medium is an integrated circuit card; the acquiring unit 802, when acquiring the identification of the target application in the payment medium based on the near field communication, may be specifically configured to:

the processing unit 801, when acquiring object information of a holding object of a payment medium from history data of the payment medium according to the medium information, may be specifically configured to:

In one embodiment, the processing unit 801 is further configured to:

detecting whether a first client has the query authority of a second client;

the acquiring unit 802, when acquiring object information of a holding object of a payment medium from history data of the payment medium according to the medium information, may be specifically configured to:

In one embodiment, the processing unit 801 is further configured to:

In one embodiment, the processing unit 801, when verifying the media information, may be specifically configured to:

In one embodiment, the media information includes a media type; the processing unit 801 may be specifically configured to, when verifying the media information:

acquiring a target medium type required by data processing;

In one embodiment, the media information includes a media expiration date; the processing unit 801 may be specifically configured to, when verifying the media information:

acquiring the current system time;

The processing unit 801, when performing data processing on a payment medium based on medium information and object information, may be specifically configured to:

displaying a binding interface;

displaying a payment interface;

In one embodiment, the processing unit 801 is further configured to:

receiving a verification result returned by the cloud server;

Further, the embodiment of the application also provides a schematic structure of the terminal device, and the schematic structure of the terminal device can be seen in fig. 9. The terminal equipment is configured with near field communication hardware, and a client is operated in the terminal equipment; the terminal device may include: a processor 901, an input device 902, an output device 903, and a memory 904. The processor 901, the input device 902, the output device 903, and the memory 904 are connected by buses. The memory 904 is used for storing a computer program comprising program instructions, and the processor 901 is used for executing the program instructions stored in the memory 904.

In an embodiment of the present application, the processor 901 performs the following operations by executing executable program code in the memory 904:

In one embodiment, the processor 901 is further configured to:

In one embodiment, the processor 901, when reading the medium information of the payment medium based on the near field communication, may be specifically configured to:

In one embodiment, the payment medium is an integrated circuit card; the processor 901, when acquiring the identification of the target application program in the payment medium based on the near field communication, may be specifically configured to:

the processor 901, when acquiring object information of a holding object of a payment medium from history data of the payment medium according to the medium information, may be specifically configured to:

In one embodiment, the processor 901 is further for:

detecting whether a first client has the query authority of a second client;

In one embodiment, the processor 901 is further for:

In one embodiment, the processor 901, when verifying media information, may be specifically configured to:

In one embodiment, the media information includes a media type; the processor 901, when verifying the media information, may be specifically configured to:

acquiring a target medium type required by data processing;

In one embodiment, the media information includes a media expiration date; the processor 901, when verifying the media information, may be specifically configured to:

acquiring the current system time;

the processor 901, when performing data processing on a payment medium based on medium information and object information, may be specifically configured to:

displaying a binding interface;

displaying a payment interface;

In one embodiment, the processor 901 is further configured to:

receiving a verification result returned by the cloud server;

Furthermore, it should be noted here that: the embodiment of the present application further provides a computer readable storage medium, and the computer readable storage medium stores a computer program, where the computer program includes program instructions, when executed by a processor, can perform the method in the embodiment corresponding to fig. 2 and fig. 6, and therefore, a detailed description will not be given here. For technical details not disclosed in the embodiments of the computer-readable storage medium according to the present application, please refer to the description of the method embodiments of the present application. As an example, the program instructions may be deployed on one terminal device or executed on multiple terminal devices located at one site or, alternatively, distributed across multiple sites and interconnected by a communication network.

According to one aspect of the present application, there is provided a computer program product comprising a computer program stored in a computer readable storage medium. The processor of the terminal device reads the computer program from the computer readable storage medium, and the processor executes the computer program, so that the terminal device can perform the method in the embodiment corresponding to fig. 2 and 6, and thus, a detailed description will not be given here.

Those skilled in the art will appreciate that implementing all or part of the above-described methods in accordance with the embodiments may be accomplished by way of a computer program stored on a computer readable storage medium, which when executed may comprise the steps of the embodiments of the methods described above. The storage medium may be a magnetic disk, an optical disk, a Read-Only Memory (ROM), a random access Memory (Random Access Memory, RAM), or the like.

The above disclosure is only a preferred embodiment of the present application, and it should be understood that the scope of the application is not limited thereto, and those skilled in the art will appreciate that all or part of the procedures described above can be performed according to the equivalent changes of the claims, and still fall within the scope of the present application.

Claims

1. A method of data processing, comprising:

responding to a data processing request, outputting first prompt information, wherein the first prompt information is used for indicating the position of a target area of terminal equipment and indicating that a payment medium is placed in the target area;

establishing near field communication between the payment medium and the terminal device when the payment medium is placed in the target area;

Reading medium information of the payment medium based on the near field communication, wherein the medium information comprises an identification of the payment medium;

according to the medium information, acquiring object information of a holding object of the payment medium from historical data of the payment medium; the method comprises the steps of,

and performing data processing on the payment medium based on the medium information and the object information.

2. The method of claim 1, wherein the method further comprises:

invoking near field communication hardware in the terminal equipment to monitor the target area;

wherein the target area refers to any area within a monitoring range of the near field communication hardware; the location of the target area includes any one of the following: any position in a screen of the terminal equipment, any position of the terminal equipment, and any position which can be monitored by near field communication hardware in the terminal equipment.

3. The method of claim 1, wherein the reading the medium information of the payment medium based on the near field communication comprises:

Acquiring an identification of a target application program in the payment medium based on the near field communication, wherein the medium information is stored in the target application program;

4. The method of claim 3, wherein the payment medium is an integrated circuit card; the acquiring the identification of the target application program in the payment medium based on the near field communication comprises the following steps:

transmitting the program inquiry instruction to the payment medium, wherein the program inquiry instruction is used for inquiring application programs supported by the payment medium;

And acquiring the identification of the target application program from the application program list.

5. The method according to any of claims 1-4, wherein the method is applied to a first client in a terminal device; the terminal equipment further comprises a second client, wherein the second client records historical data of the payment medium;

the obtaining object information of the holding object of the payment medium from the historical data of the payment medium according to the medium information comprises the following steps:

sending a first query request to the second client, wherein the first query request carries an identifier of the payment medium, and the first query request is used for requesting to query object information of a holding object of the payment medium from historical data of the payment medium recorded in the second client;

receiving the object information returned by the second client in response to the first query request;

6. The method of claim 5, wherein the method further comprises:

detecting whether the first client has the query authority of the second client or not;

and when receiving the confirmation operation for the authorization request, setting the query authority of the second client for the first client, and executing the step of sending the first query request to the second client.

7. The method of any of claims 1-4, wherein the historical data of the payment medium includes issuance data of the payment medium;

sending a second query request to an issuing system of the payment medium, wherein the second query request carries an identifier of the payment medium, and the second query request is used for requesting to acquire object information of a holding object of the payment medium from issuing data of the payment medium recorded in the issuing system;

And receiving the object information returned by the issuing system in response to the second query request.

8. The method according to any of claims 1-4, wherein the method is applied to a first client in a terminal device, the first client having recorded therein history data of the payment medium, the history data of the payment medium comprising history binding data of the payment medium in the first client;

9. The method of any one of claims 1-4, wherein the method further comprises:

10. The method of claim 9, wherein the verifying the media information comprises:

and if the verification result indicates that the identification of the payment medium is correct, the medium information is verified.

11. The method of claim 9, wherein the media information includes a media type; the verifying the medium information includes:

acquiring a target medium type required by data processing;

and if the media information is consistent, the media information passes the verification.

12. The method of claim 9, wherein the media information includes a media expiration date; the verifying the medium information includes:

acquiring the current system time;

13. The method of claim 1, wherein the method is applied to a first client in a terminal device, the data processing request being for requesting binding of the payment medium in the first client;

the performing data processing on the payment medium based on the medium information and the object information includes:

displaying a binding interface;

and when a confirmation operation of the medium information and the object information is received, carrying out association binding on the medium information of the payment medium, the login object account of the first client and the object information.

14. The method of claim 1, wherein the data processing request is to request payment using the payment medium; the data processing request carries order information to be paid;

Displaying a payment interface;

automatically filling the read medium information in the payment interface, and automatically filling the acquired object information;

and when a confirmation operation of the medium information and the object information is received, carrying out payment processing on the payment medium based on the order information.

15. The method of claim 1, wherein the method is applied to a first client in a terminal device, the first client having historical binding data for the payment medium recorded therein; the data processing request is for requesting unbinding the payment medium from the first client;

searching and displaying historical binding data of the payment medium in the first client based on the medium information and the object information, wherein the historical binding data comprises an association binding relation between the payment medium and a login object account in the first client;

16. The method of any one of claims 1-4, wherein the method further comprises:

sending a verification request to a cloud server, wherein the verification request carries the medium information and the object information, and the verification request is used for requesting the cloud server to carry out security verification on the medium information and the object information;

receiving a verification result returned by the cloud server;

17. A data processing apparatus, comprising:

the processing unit is further configured to establish close-range communication between the payment medium and the terminal device when the payment medium is placed in the target area;

the processing unit is further used for reading medium information of the payment medium based on the near field communication, wherein the medium information comprises an identification of the payment medium;

An acquisition unit configured to acquire object information of a holding object of the payment medium from history data of the payment medium according to the medium information;

the processing unit is further configured to perform data processing on the payment medium based on the medium information and the object information.

18. A terminal device, comprising:

a processor adapted to execute a computer program;

a computer readable storage medium having stored therein a computer program which, when executed by the processor, performs the data processing method according to any of claims 1-16.

19. A computer-readable storage medium, characterized in that the computer storage medium stores a computer program which, when executed by a processor, performs the data processing method according to any one of claims 1-16.

20. A computer program product, characterized in that the computer program product comprises a computer program which, when executed by a processor, implements the data processing method according to any of claims 1-16.