TW202205170A - Information processing method and apparatus, device and medium - Google Patents

Abstract

An information processing method and apparatus, a device and a medium. The information processing method comprises: receiving a state change request sent by a target electronic device; in response to the state change request, parsing the state change request, and obtaining state change request information which comprises a target payment token and a target payment state of a target wearable device, the target wearable device being a wearable device bound to the target electronic device and the target payment token being stored in a target security element of the target wearable device; and updating a target token state corresponding to the target payment token to the target payment state, the target token state being used for determining, when a transaction request corresponding to the target payment token is received, whether a transaction corresponding to the transaction request is executed, the transaction request being generated according to the target payment token acquired from the target security element. The problem that a user cannot change the payment state of the wearable device after the wearable device is lost can thus be solved.

Description

Information processing method, apparatus, equipment and medium

The present invention belongs to the field of communication technologies, and in particular, relates to an information processing method, device, equipment and medium.

With the development of technology, the Near Field Communication (NFC) payment function has gradually become a standard configuration of wearable devices. When a user is shopping or taking public transportation, he only needs to bring the wearable device close to a point of sale (POS) terminal or a card swipe machine of public transportation to complete the payment in a short time.

Although the user can use the wearable device for more convenient payment operations, after the wearable device is lost, the user cannot change the payment status of the wearable device, resulting in the risk of the bank account associated with the wearable device being stolen. This in turn reduces the security of the user's bank account.

Embodiments of the present invention provide an information processing method, device, device, and medium, which can solve the problem that the user cannot change the payment status of the wearable device after the wearable device is lost.

In a first aspect, an embodiment of the present invention provides an information processing method, including:

Receive a state change request sent by the target electronic device;

In response to the state change request, analyze the state change request to obtain state change request information; wherein, the state change request information includes the target payment mark and the target payment state of the target wearable device, and the target wearable device is bound to the target electronic device wearables, target The target payment token is stored in the target secure element of the wearable device;

The target mark state corresponding to the target payment mark is updated to the target payment status; wherein, the target mark status is used to determine whether to execute the transaction corresponding to the transaction request when receiving the transaction request corresponding to the target payment mark, and the transaction request is based on the data from the target security element. The acquired target payment token is generated.

In a second aspect, an embodiment of the present invention provides an information processing method, including:

Receive the target payment status of the target wearable device input by the user; wherein, the target wearable device is a bound wearable device;

query the target payment mark corresponding to the target wearable device; wherein, the target payment mark is the payment mark stored in the target secure element of the target wearable device;

Generate a state change request based on the target payment token and the target payment status;

Send a state change request to the target server; wherein, the state change request is used to update the target mark state corresponding to the target payment mark stored in the target server to the target payment state, and the target mark state is used to receive the target payment at the target server. When marking the corresponding transaction request, it is determined whether to execute the transaction corresponding to the transaction request, and the transaction request is generated according to the target payment mark obtained from the target secure element.

In terms of third-party manufacturers, an embodiment of the present invention provides an information processing device, including:

a first receiving module for receiving a state change request sent by the target electronic device;

The first parsing module is used for parsing the state change request in response to the state change request to obtain state change request information; wherein the state change request information includes the target payment mark and the target payment state of the target wearable device, and the target wearable device The device is a wearable device bound to the target electronic device, and the target payment mark is stored in the target secure element of the target wearable device;

The first processing module is used to update the target mark state corresponding to the target payment mark to the target payment status; wherein, the target mark status is used to determine whether to execute the transaction corresponding to the transaction request when receiving the transaction request corresponding to the target payment mark, The transaction request is based on the The acquired target payment token is generated.

In a fourth aspect, an embodiment of the present invention provides an information processing device, including:

The second receiving module is used to receive the target payment status of the target wearable device input by the user; wherein, the target wearable device is a bound wearable device;

a first query module, used for querying the target payment mark corresponding to the target wearable device; wherein, the target payment mark is the payment mark stored in the target security element of the target wearable device;

The second processing module is used to generate a state change request according to the target payment mark and the target payment state;

The first sending module is used to send a state change request to the target server; wherein, the state change request is used to update the target mark state corresponding to the target payment mark stored in the target server to the target payment state, and the target mark state is used for When the target server receives the transaction request corresponding to the target payment tag, it is determined whether to execute the transaction corresponding to the transaction request, and the transaction request is generated according to the target payment tag acquired from the target secure element.

In a fifth aspect, an embodiment of the present invention provides an information processing device, the device comprising: a processor and a memory storing computer program instructions;

The information processing method according to the first aspect or the second aspect is implemented when the processor executes the computer program instructions.

In a sixth aspect, an embodiment of the present invention provides a computer-readable storage medium, where computer program instructions are stored on the computer-readable storage medium, and when the computer program instructions are executed by a processor, the first aspect or the second aspect is implemented. Information processing method.

The information processing method, device, device and medium according to the embodiments of the present invention can parse the target security element of the target wearable device bound to the target electronic device in the state change request after receiving the state change request sent by the target electronic device The target payment mark and the target payment state of the target wearable device stored in the The target payment status, realizing the use of the target payment token pair The target payment status of the target wearable device is updated according to the method of updating the corresponding target tag status, and then when a transaction request generated according to the target payment tag obtained from the target security element of the target wearable device is received, the target payment status can be updated according to the target The state of the target tag corresponding to the payment tag determines whether to execute the transaction corresponding to the transaction request. Therefore, the payment status of the wearable device can be updated through the electronic device bound to the wearable device, so as to avoid the loss of the wearable device. The problem that the payment status of the wearable device cannot be changed, thereby reducing the risk of the bank account associated with the wearable device being stolen, and improving the security of the user's bank account.

110: Wearables

120: Electronic Equipment

130: Acquiring Equipment

140:TSP Platform Server

160:Acquiring Platform Server

150: Internet financial platform server

170: Trusted Service Management (TSM) platform server

1010: The first receiving module

1020: The first parsing module

1030: The first processing module

1000, 1100: Information processing device

1110: Second receiving module

1120: The first query module

1130: Second processing module

1140: The first sending module

1202: Memory

1201: Processor

1203: Communication interface

1210: Busbar

S510, S520, S530, S610, S620, S630, S640, S701~S722, S801~S818, S901~S909: Steps

In order to illustrate the technical solutions of the embodiments of the present invention more clearly, the following will briefly introduce the drawings that need to be used in the embodiments of the present invention. For those of ordinary skill in the art, without creative work, the Additional drawings can be obtained from these drawings.

FIG. 1 is an architectural diagram of an information processing provided by an embodiment of the present invention;

FIG. 2 is a structural diagram of an information processing provided by another embodiment of the present invention;

FIG. 3 is a structural diagram of an information processing provided by another embodiment of the present invention;

FIG. 4 is a structural diagram of an information processing provided by yet another embodiment of the present invention;

5 is a schematic flowchart of an information processing method provided by an embodiment of the present invention;

6 is a schematic flowchart of an information processing method provided by another embodiment of the present invention;

7 is a schematic flowchart of a process of enabling a payment function provided by an embodiment of the present invention;

8 is a schematic flowchart of a process of modifying a binding payment card account provided by an embodiment of the present invention;

9 is a schematic flowchart of a process of unbinding a payment card account provided by an embodiment of the present invention;

10 is a schematic structural diagram of an information processing apparatus provided by an embodiment of the present invention;

11 is a schematic structural diagram of an information processing apparatus provided by another embodiment of the present invention;

FIG. 12 is a schematic diagram of a hardware structure of an information processing device provided by an embodiment of the present invention.

Features and exemplary implementations of various aspects of the invention are described in detail below. For example, in order to make the objectives, technical solutions and advantages of the present invention more clear, the present invention will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only configured to explain the present invention, and are not configured to limit the present invention. It will be apparent to those skilled in the art that the present invention may be practiced without some of these specific details. The following description of the embodiments is only intended to provide a better understanding of the present invention by illustrating examples of the invention.

It should be noted that, in this document, relational terms such as first and second are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any relationship between these entities or operations. any such actual relationship or sequence exists. Moreover, the terms "comprising", "comprising" or any other variation thereof are intended to encompass a non-exclusive inclusion such that a process, method, article or device that includes a list of elements includes not only those elements, but also includes not explicitly listed or other elements inherent to such a process, method, article or apparatus. Without further limitation, an element defined by the phrase "comprises" does not preclude the presence of additional identical elements in a process, method, article, or device that includes the element.

The information processing method provided by the present invention can be applied to the architectures shown in FIG. 1 to FIG. 4 , and will be described in detail with reference to FIGS. 1 to 4 .

FIG. 1 shows an architecture diagram of an information processing provided by an embodiment of the present invention. As shown in FIG. 1 , the architecture diagram may include at least one wearable device 110 , at least one electronic device 120 , at least one acquiring device 130 and a payment tokenization service system (Token Service Provider, TSP) platform server 140 .

The wearable device 110 may be a portable device that can be worn by the user or integrated into the user's clothes or accessories, such as smart bracelets, smart watches, smart sports shoes, smart clothing, smart glasses, and smart helmets , smart ring, smart jewelry, etc., the wearable device 110 has the NFC payment function. The electronic device 120 may be a device with a communication function, such as a mobile phone, a tablet computer, a desktop computer, and a vehicle-mounted terminal. The acquiring device 130 may be a mobile phone, a tablet computer, a point of sale (POS) terminal, etc. The acquiring device 130 has NFC information read function. The TSP platform server 140 is used for managing and verifying payment tokens (Tokens). The TSP platform server 140 may be a cloud server or a server cluster and other devices with storage and computing functions.

Continuing to refer to FIG. 1 , each electronic device 120 can be respectively bound with at least one wearable device 110 and perform wireless communication, so that data transmission can be performed between the electronic device 120 and the wearable device 110 bound thereto through wireless communication. . The wireless communication may be short-range wireless communication, for example, Bluetooth, wireless local area network (Wireless Fidelity, WIFI). Each electronic device 120 may also communicate with the TSP platform server 140, respectively, for causing the TSP platform server 140 to change the token state corresponding to the payment token stored in the secure element of the wearable device 110 bound to it, wherein, There is a one-to-one correspondence between payment tokens and payment card account numbers. Each acquiring device 130 may also communicate with the TSP platform server 140 for sending a transaction request carrying the payment token read from the wearable device 110 to the TSP platform server 140, so that the TSP platform server 140 The payment tag is verified according to the payment status corresponding to the payment tag, and whether to execute the transaction corresponding to the transaction request is determined according to the verification result. The payment mark stored in the wearable device may be a string generated according to the payment card account number bound to the wearable device.

Specifically, the specific method for the electronic device 120 to make the TSP platform server 140 change the tag state corresponding to the payment tag stored in the secure element of the wearable device 110 bound to it is as follows:

The electronic device 120 first receives the payment status of its bound specified wearable device 110 input by the user, and then queries the payment token stored in the secure element of the specified wearable device 110, and then uses the queried payment token and usage. According to the payment state input by the user, a state change request is generated, and finally the state change request is sent to the TSP platform server 140 .

After receiving the state change request sent by the electronic device 120, the TSP platform server 140 can parse the received state change request to obtain the payment flag and payment state carried in the state change request, and send the state change request The tag status corresponding to the payment tag carried in the status change request is updated to the payment status carried in the status change request, which can then be used in When a transaction request generated according to the payment tag carried in the state change request is received, whether to execute the transaction corresponding to the transaction request is determined according to the tag status corresponding to the payment tag.

Therefore, in the information processing architecture shown in FIG. 1, since the wearable device has the NFC payment function, when the wearable device performs payment, the acquiring device 130 can directly read the payment mark stored in the wearable device, and send the payment to the wearable device. The TSP platform server sends a transaction request generated according to the payment tag, so that the TSP platform server determines whether to execute the transaction corresponding to the transaction request according to the payment status corresponding to the payment tag carried in the transaction request. If it is determined to execute the transaction, the transaction can be completed according to the payment token, so the wearable device can realize the payment function without being connected to the Internet.

In some embodiments of the present invention, the secure element may be an embedded Secure Element (eSE) to improve the security of the payment token.

FIG. 2 shows a structural diagram of an information processing provided by another embodiment of the present invention. As shown in FIG. 2, the architecture diagram may include at least one wearable device 110, at least one electronic device 120, at least one acquiring device 130, TSP platform server 140, Internet financial platform server 150 and acquiring platform server 160.

The principles of the wearable device 110 , the electronic device 120 , the acquiring device 130 , and the TSP platform server 140 are the same as those of the embodiment shown in FIG. 1 , and are not repeated here.

The Internet financial platform server 150 may be used to provide Internet financial services, and the acquiring platform server 160 may be used to provide acquiring services. The Internet financial platform server 150 and the acquiring platform server 160 may be cloud servers or servers, respectively. Devices with storage and computing functions such as clusters.

A financial application program corresponding to the Internet financial platform may be installed in the electronic device 120, wherein the Internet financial platform may be a third-party financial platform or a card organization platform. The user can first input the payment status of the designated wearable device 110 bound to him in the application interface of the financial application program, and then the electronic device 120 can query the security of the designated wearable device 110 from the Internet financial platform server 150 The payment tag stored in the component, and then based on the queried payment tag and the payment status input by the user, a status change request is generated. Finally, the state change request is sent to the TSP platform server 140 through the Internet financial platform server 150 .

An acquiring application program corresponding to the acquiring platform may be installed in the acquiring device 130 . The acquiring device 130 can read the payment token stored in the secure element of the wearable device 110 through the acquiring application, and then send a payment token carrying the read payment token to the TSP platform server 140 through the acquiring platform server 160 . transaction request.

FIG. 3 shows a structural diagram of an information processing provided by another embodiment of the present invention. As shown in FIG. 3 , the architecture diagram may include at least one wearable device 110 , at least one electronic device 120 , at least one acquiring device 130 , TSP platform server 140 , Internet financial platform server 150 , and acquiring platform server 160 and Trusted Service Management (TSM) platform server 170 .

The principles of the wearable device 110 , the electronic device 120 , the acquiring device 130 , the TSP platform server 140 , the Internet financial platform server 150 and the acquiring platform server 160 are the same as those of the embodiment shown in FIG. 2 , and are not described here. Repeat.

The TSM platform server 170 can be used to realize the secure forwarding of information, and the TSM platform server 170 can be a cloud server or a server cluster and other devices with storage and computing functions. Specifically, the TSM platform server 170 may communicate with the TSP platform server 140 through a trusted channel, so as to further improve the security of information transmission.

The internet finance platform server 150 and the acquiring platform server 160 may communicate with the TSM platform server 170, respectively. The Internet financial platform server 150 may send the state change request to the TSM platform server 170, and then the TSM platform server 170 sends the request to the TSP platform server 140 through a trusted channel. The acquirer platform server 160 may send the transaction request to the TSM platform server 170, and then the TSM platform server 170 sends the transaction request to the TSP platform server 140 through a trusted channel.

FIG. 4 shows a structural diagram of an information processing provided by yet another embodiment of the present invention. As shown in FIG. 4, the architecture diagram may include at least one wearable device 110, at least one electronic device 120, at least one acquiring device 130, TSP platform server 140, interconnection Online financial platform server 150 , acquirer platform server 160 , TSM platform server 170 and card issuer server 180 .

The principles of the wearable device 110 , the electronic device 120 , the acquiring device 130 , the TSP platform server 140 , the Internet financial platform server 150 , the acquiring platform server 160 and the TSM platform server 170 are the same as the embodiment shown in FIG. 3 . are the same, and will not be repeated here.

In the case where the TSP platform server 140 determines to execute the transaction, the TSP platform server 140 can obtain the acquiring device identifier and the transaction amount carried in the transaction request, and inquire about the payment card account number stored in association with the payment mark, and the payment account number is The payment account bound to the wearable device, and then send the acquired identification of the acquiring device, the transaction amount and the payment account to the card issuer server 180, so that the card issuer server 180 completes the transaction corresponding to the transaction request, and sends the transaction amount to the card issuer server 180. The acquired payment account is transferred to the payment account corresponding to the acquiring device identifier, and then the transaction completion result is fed back to the TSP platform server 140. The TSP platform server 140 can pass the TSM platform server 170 and the acquiring platform server in turn. The controller 160 sends the transaction completion result to the acquiring device 130 that sends the transaction request.

Optionally, the payment card account number may be a physical payment card account number or a virtual payment card account number. The physical payment card account number may be a physical bank card account number, and the virtual payment card account number may be an electronic bank card account number.

Therefore, in the information processing architecture shown in FIG. 4 , there is no need to pre-charge the wearable device, and the payment token can be used to complete the transaction directly through the bank card account corresponding to the bank account bound to the wearable device.

According to the above structure, the information processing method provided by the embodiment of the present invention will be described in detail below with reference to FIG. 5 to FIG. 9 .

FIG. 5 shows a schematic flowchart of an information processing method provided by an embodiment of the present invention.

In some embodiments of the present invention, the method shown in FIG. 5 may be performed by the TSP platform server 140 shown in FIGS. 1 to 4 .

As shown in FIG. 5 , the information processing method may include the following steps.

S510. Receive a state change request sent by the target electronic device.

Wherein, the target electronic device may be any electronic device that is connected to the TSP platform server in communication and is installed with a financial application program corresponding to the Internet financial platform.

The status change request is used to request the TSP platform server to update the target payment status corresponding to the target payment flag specified by the user to the target payment status specified by the user.

The target payment state may include any one of the activated state, the suspended state, the lost state, and the unbound state. The target payment state can be divided into a normal state and an abnormal state. The abnormal state can include any one of the suspended state, the loss reporting state and the unbound state, and the normal state can include the activated state.

The activated state refers to that the NFC payment function of the wearable device has been activated and is available. The suspended state means that the NFC payment function of the wearable device has been activated and is in a suspended state. The loss report state means that the NFC payment function of the wearable device has been activated and is in the loss report registration state. In the loss report state, the NFC payment function is suspended. The unbound state means that the NFC payment function of the wearable device has been activated and the payment card account is not bound. In the unbound state, the NFC payment function is also suspended.

In the embodiment of the present invention, the target electronic device can communicate directly with the TSP platform server, the target electronic device can also communicate with the TSP platform server through the Internet financial platform server, and the target electronic device can also sequentially communicate with the Internet financial platform server and the TSP platform server. The TSM platform server communicates with the TSP platform server, which is not limited here.

S520. In response to the state change request, analyze the state change request to obtain state change request information.

The state change request information includes the target payment mark and the target payment status of the target wearable device, the target wearable device is a wearable device bound to the target electronic device, and the target security element of the target wearable device stores the target payment mark .

Specifically, the target wearable device is a wearable device designated by the user whose payment status is to be changed, and the target payment mark is the target security device of the target wearable device designated by the user. The payment token stored in the full element

S530. Update the target mark state corresponding to the target payment mark to the target payment status.

The target tag status is used to determine whether to execute a transaction corresponding to the transaction request when a transaction request corresponding to the target payment tag is received, and the transaction request is generated according to the target payment tag acquired from the target secure element.

In some embodiments of the present invention, the TSP platform server may store the payment mark and the mark state corresponding to the payment mark. For example, the TSP platform server may add a status bit to the payment mark. The status bit is provided with a status value, and a status The value represents one payment state, and different state values represent different payment states.

In these embodiments, optionally the TSP platform server may determine the target state value corresponding to the target payment state, and set the state bit of the target payment flag to the target state value, so as to realize the target flag corresponding to the target payment flag The status is updated to the target payment status.

In other embodiments of the present invention, the payment tag can be stored in the personalized data, the TSP platform server can store the personalized data, the personalized data can be set with a status bit, and the status bit can be set with a status value , a state value represents a payment state, and different state values represent different payment states.

In these embodiments, optionally, the TSP platform server may determine the target state value corresponding to the target payment state, and set the state bit in the target personalized data to which the target payment flag belongs to the target state value, so as to achieve Update the target token status corresponding to the target payment token to the target payment status.

Wherein, the personalized data may be a personalized application identifier (AID), which is composed of a string, and the personalized AID contains a general string, a payment mark and a status value, and the payment mark is also composed of a string, and the payment Flags and state values can follow the generic string.

For example, a generic string for personalizing AID could be: A000000333 010102 00 63020000 01 0000. Among them, the first 10 digits can be a fixed string, and the 11-16 digits can be used to indicate the payment card type, such as the debit card type is 010101, the credit card type is 010102, the quasi-credit card type is 010103, and the 17th -18 bits can indicate the application type, such as 00 for financial applications, 01 for non-financial applications, 19-26 digits can be the institution code of the application provider, 27-28 digits can be extended to, and its functions can be customized. Bits 29-32 can indicate the chip card type, such as 0000 for PBOC2.0 and 1000 for PBOC3.0.

In this embodiment of the present invention, since a wearable device only stores one payment token in the activated state, different wearable devices store different payment tokens in the activated state, and the token state corresponding to the payment token is the same as the payment state , therefore, the TSP platform server can determine the payment status of the wearable device that stores the payment mark in the secure element according to the mark status corresponding to the payment mark, and then can determine whether to execute the payment mark carrying the payment mark according to the payment status of the wearable device. The transaction request corresponding to the transaction.

In the embodiment of the present invention, after receiving the state change request sent by the target electronic device, it is possible to parse the target payment mark and the target payment status of the target wearable device, and the target mark status corresponding to the target payment mark is updated to the target payment status, so that the target mark status corresponding to the target payment mark is used to represent the target payment status of the target wearable device, and the target payment status of the target wearable device is realized by using the target mark status corresponding to the target payment mark. The method of updating the target mark state corresponding to the payment mark is to update the target payment status of the target wearable device, and then when receiving a transaction request generated according to the target payment mark obtained from the target security element of the target wearable device, it can be Whether to execute the transaction corresponding to the transaction request is determined according to the state of the target mark corresponding to the target payment mark, so that the payment status of the wearable device can be updated through the electronic device bound to the wearable device, so as to avoid the loss of the wearable device after the wearable device is lost. The problem that the user cannot change the payment status of the wearable device, thereby reducing the risk of the bank account associated with the wearable device being stolen, and improving the security of the user's bank account.

In another embodiment of the present invention, the information processing method may further include:

receiving a transaction request sent by the target acquiring device; wherein, the transaction request is generated according to the target payment mark obtained by the target acquiring device from the target secure element;

In response to the transaction request, analyze the transaction request to obtain transaction request information; wherein, the transaction request information includes the target payment mark;

Query the target token status corresponding to the target payment token;

When the target flag state is abnormal, the transaction corresponding to the transaction request is refused to be executed.

Wherein, the target acquiring device may be any acquiring device that is connected to the TSP platform server in communication and is installed with an acquiring application program corresponding to the acquiring platform.

Specifically, when using the target wearable device for payment, the user can read the target payment mark stored in the target secure element of the target wearable device through the target acquiring device, and the target acquiring device can The target acquirer ID of the single device and the transaction amount generate a transaction request, and then send the transaction request to the TSP platform server.

Wherein, the target acquiring device identification may be the Internet Protocol (Internet Protocol, IP) address of the target acquiring device identification, or may be the device identification (Identity document, ID) of the target acquiring device identification, and the device ID may be is the device identification code.

The TSP platform server can receive the transaction request sent by the target acquiring device, and parse the transaction request to obtain the target payment mark, target acquiring device identification and transaction amount, and then query the target mark status corresponding to the target payment mark. The TSP platform server can refuse to execute the transaction corresponding to the transaction request when the target mark status is abnormal; when the target mark status is normal, query the target payment card account stored in association with the target payment mark, and assign the target The payment card account number, the target acquiring device identifier and the transaction amount are sent to the card issuer server, so that the card issuer server completes the transaction corresponding to the transaction request, and transfers the transaction amount from the target payment card account number to the target acquiring device identifier. payment card account, and then send the transaction completion result back to the TSP platform server. After receiving the transaction completion result, the TSP platform server can forward the transaction completion result to the target acquiring device.

In the embodiment of the present invention, the target acquiring device can communicate directly with the TSP platform server, the target acquiring device can also communicate with the TSP platform server through the acquiring platform server, and the target acquiring device can also pass the acquiring platform in turn. The server and the TSM platform server communicate with the TSP platform server, which is not limited here.

Therefore, after the wearable device is lost, the user can change the payment state of the wearable device to an abnormal state, so that the marked state of the payment mark corresponding to the wearable device can be changed to an abnormal state, so that the wearable device can be used again when the wearable device is used again. During payment, the TSP platform server refuses to execute the transaction, so as to prevent the bank account associated with the wearable device from being stolen, and improve the security of the user's bank account.

In some embodiments of the present invention, after refusing to execute the transaction corresponding to the transaction request, the information processing method may further include:

Generate transaction feedback information corresponding to the transaction request according to the target tag status; send transaction feedback information to the target acquiring device.

Specifically, the TSP platform server can generate transaction feedback information corresponding to the transaction request, so that the transaction feedback information carries the target mark state, and then sends the transaction feedback information to the target acquiring device. When the target acquiring device receives the transaction feedback information, it can display the target tag status carried by the transaction feedback information, so as to show the transaction related personnel (payee or payer) the target payment status of the target wearable device and inform the transaction related personnel. The reason why the person declined the transaction.

In another embodiment of the present invention, before S510, the information processing method may further include:

Receive a tag generation request sent by the target electronic device;

In response to the mark generation request, the mark generation request is parsed to obtain mark generation request information; wherein the mark generation request information includes the target payment card account;

Generate a target payment mark according to the target payment card account number;

The target payment card account number and the target payment token are associated and stored.

Specifically, the TSP platform server can receive the mark generation request sent by the target electronic device, and parse the mark generation request to obtain the target payment card account number, and then Then, a target payment mark corresponding to the target payment card account number is generated, and the target payment card account number and the target payment mark are associated and stored.

The TSP platform server may generate a target payment mark corresponding to the target payment card account by using a preset mark generation method.

For example, the mark generation method may be to encrypt all digits of the target payment card account number using a preset encryption algorithm to obtain an encrypted encrypted string, and use the encrypted string as the target payment mark. For another example, the mark generation method may be to encrypt some digits of the target payment card account number using a preset encryption algorithm, obtain an encrypted encrypted character string, and splicing the unencrypted digits of the target payment card account number with the encrypted character string, Get the target payout token.

Optionally, after generating the target payment mark, the information processing method may further include:

Send the target payment mark to the target electronic device, so that the target electronic device sends the target payment mark and the start instruction corresponding to the target payment mark to the target wearable device; wherein, the start instruction is used to make the target wearable device load the target payment mark in the target wearable device. in the target personalization data corresponding to the target payment mark stored in the target secure element, and activate the loaded target payment mark to the activated state;

Receive an activation result sent by the target electronic device; wherein, the activation result is used to indicate that the target wearable device has activated the target payment mark loaded in the target personalization data to an activated state;

In response to the activation result, the target token state corresponding to the target payment token is set to the activated state.

Specifically, after generating the target payment mark, the TSP platform server may send the target payment mark to the target electronic device, so that the target electronic device determines the start instruction corresponding to the target payment mark, and sends the target payment mark and the start instruction corresponding to the target payment mark sending the target wearable device to the target wearable device, and causing the target wearable device to load the target payment mark into the target personalization data corresponding to the target payment mark stored in the target secure element, and activate the loaded target payment mark to the activated state . The target wearable is in the target's profile After the loaded target payment tag is activated to the activated state, the target electronic device may send to the TSP platform server a message indicating that the target wearable device has activated the target payment tag loaded in the target personalization data to the activated state. Launch results. After the TSP platform server receives the activation result sent by the target electronic device, it can set the target tag state corresponding to the target payment tag to the activated state, thereby making the NFC payment function of the target wearable device available.

The method for initiating the target payment mark by the target wearable device will be described in detail later.

Optionally, sending the target payment mark to the target electronic device may specifically include: sending the target payment card account number and the target payment mark to the target electronic device, so that the target electronic device determines the target payment card account to which the target payment mark belongs, and then determines the target payment card account number to which the target payment mark belongs. The target wearable device to which the card account is bound, and the activation instruction corresponding to the target payment card type of the target payment card account is determined.

In some embodiments of the present invention, after the target payment card account number and the target payment mark are associated and stored, the information processing method may further include:

Receive an account change request sent by the target electronic device;

In response to the account change request, analyze the account change request to obtain account change request information; wherein the account change request information includes the target payment mark and the payment card account to be changed;

Save the payment card account to be changed as the new target payment card account.

Specifically, the TSP platform server can receive the account change request sent by the target electronic device, and parse the account change request to obtain the payment card account number to be changed and the bank account number to be changed. Target payment mark, and then replace the existing target payment card account with the payment card account to be changed for storage, and make the payment card account to be changed as the new target payment card account, so that the new target payment card account and the target payment mark are associated and stored , to complete the update of the target bank account number stored in the TSP platform server in association with the target payment mark.

In some embodiments, the association relationship between the target payment token and the original target payment card account number may be released, and a new association relationship between the target payment card account number and the target payment token may be established. In other embodiments, the new target payment card account number may also be used to directly overwrite the original target payment card account number.

In other embodiments of the present invention, after the target payment card account number and the target payment mark are associated and stored, the information processing method may further include:

Receive a tag change request sent by the target electronic device;

In response to the mark change request, analyze the mark change request to obtain mark change request information; wherein, the mark change request includes the payment card account number to be changed;

Generate a payment mark to be changed according to the payment card account number to be changed;

Store the payment card account to be changed as the new target payment card account;

Store the payment token to be changed as the new target payment token.

Specifically, the TSP platform server can receive the mark change request sent by the target electronic device, and analyze the mark change request to obtain the payment card account to be changed, and then generate the payment mark to be changed corresponding to the payment card account to be changed, and then Change the payment card account number as the new target bank account, use the payment mark to be changed as the new target payment mark, and store the new target payment card account number and the new target payment mark in association to complete the storage of the TSP platform server. Updates to payment card account numbers and payment tokens.

Optionally, the original target payment card account once bound to the target wearable device and the target payment mark corresponding to the original target payment card account may be retained or deleted, which is not limited herein.

Optionally, after using the payment card account number to be changed as the new target payment card account number, the information processing method may further include:

Send the target payment mark to the target electronic device, so that the target electronic device sends the target payment mark and the start instruction corresponding to the target payment mark to the target wearable device; wherein, the start instruction is used to make the target wearable device load the target payment mark in the target wearable device. In the target personalization data corresponding to the target payment tag stored in the target secure element, and the loaded target payment The pay tag is activated as the activated state;

Receive an activation result sent by the target electronic device; wherein, the activation result is used to indicate that the target wearable device has activated the target payment mark loaded in the target personalization data to an activated state;

In response to the start result, the target mark state corresponding to the target payment mark is set as the start state; wherein, the start state is the normal state.

Specifically, after generating the to-be-changed payment token and using it as a new target payment token, the TSP platform server may also send the target payment token to the target electronic device, so as to enable the target wearable device to activate the target payment token through the target electronic device, And receive the activation result fed back by the target wearable device through the electronic device, and then set the tag state corresponding to the target payment tag to the activation state. Since the specific process has been described in detail above, it is not repeated here.

FIG. 6 shows a schematic flowchart of an information processing method provided by another embodiment of the present invention.

In some embodiments of the present invention, the method shown in FIG. 6 may be performed by the electronic device 120 shown in FIGS. 1 to 4 .

As shown in FIG. 6 , the information processing method may include the following steps.

S610. Receive the target payment status of the target wearable device input by the user; wherein, the target wearable device is a bound wearable device.

The target wearable device may be any wearable device bound to the electronic device.

The electronic device can be installed with a financial application corresponding to the Internet financial platform. The user can enter the target payment status of the target wearable device in the application interface of the financial application, and the target payment status can be the target wearable device that the user wants to change. payment status.

Specifically, the target payment state may include any one of an activated state, a suspended state, a reported loss state, and an unbound state. The target payment status can be divided into normal status and abnormal status. The abnormal status can include any one of suspended status, loss reporting status and unbound status. The normal state may include the activated state.

S620, query the target payment mark corresponding to the target wearable device.

The target payment token is the payment token stored in the target secure element of the target wearable device.

In some embodiments of the present invention, after the user selects the target wearable device in the application interface of the financial application program, the electronic device can also store the wearable device corresponding to at least one bound wearable device in the local storage area. In the identification, the target wearable device identification corresponding to the target wearable device is queried, and then the target payment mark stored in the target secure element of the target wearable device is inquired according to the target wearable device identification.

The wearable device identifier may be an IP address of the wearable device, or may be a device ID of the wearable device, and the device ID may be a device identification code.

In some embodiments of the present invention, when there is at least one payment mark in the local storage area of the electronic device, the electronic device may query the target stored in association with the target wearable device identifier in the at least one payment mark in the local storage area Pay mark.

In other embodiments of the present invention, in the case where the electronic device does not store the payment token locally, the electronic device may generate a token query request according to the target wearable device identifier, and send the token query request to the payment token stored in the electronic device. the device, so that the device, in response to the identification query request, queries the electronic device for the target payment token stored in association with the target wearable device identification.

In some embodiments, where the electronic device communicates directly with the TSP platform server, the device for storing the payment indicia may be the TSP platform server.

In other embodiments, when the electronic device communicates with the TSP platform server through the Internet financial platform server, the device for storing the payment mark may be the Internet financial platform server, that is, the Internet financial platform server may receive After the target payment mark sent by the TSP platform server, the target payment mark is stored.

Optionally, the TSP platform server can also send the target bank account number and the target payment mark to the Internet financial platform server at the same time, so that the Internet financial platform server can confirm The target payment card account number to which the target payment mark belongs is determined, and the target payment card account number and the target payment mark are associated and stored.

S630. Generate a state change request according to the target payment flag and the target payment state.

In this embodiment of the present invention, the state change request generated according to the target payment token and the target payment state may be used to update the target token state corresponding to the target payment token to the target payment state.

S640. Send a state change request to the target server.

Wherein, the status change request is used to update the target mark state corresponding to the target payment mark stored in the target server to the target payment status, and the target mark status is used to determine when the target server receives a transaction request corresponding to the target payment mark Whether to execute the transaction corresponding to the transaction request, the transaction request is generated according to the target payment token obtained from the target secure element.

Specifically, the target server may be the TSP platform server shown in FIG. 1 to FIG. 4 .

It should be noted that the method for the target server to update the target mark state corresponding to the target payment mark to the target payment status and the method for the target server to determine whether to execute the transaction corresponding to the transaction request have been described above and will not be repeated here.

In the embodiment of the present invention, after receiving the target payment state of the bound target wearable device input by the user, the target payment mark stored in the target secure element of the target wearable device and the target of the target wearable device Payment status, generate a status change request, and send a status change request to the target server, so that the target server updates the target mark status corresponding to the target payment mark stored in it to the target payment status, so as to use the target mark status of the target payment mark. The target payment status of the target wearable device is used to update the target payment status of the target wearable device by using the method of updating the target mark status of the target payment mark. The target tag status of the payment tag determines whether to execute the transaction corresponding to the transaction request. Update the target payment status of the target wearable device through the target electronic device bound to the standard wearable device, so as to avoid the problem that the user cannot change the payment status of the wearable device after the wearable device is lost, thereby reducing the connection between the wearable device and the wearable device. The bank account associated with the device is at risk of being stolen, which improves the security of the user's bank account.

In another embodiment of the present invention, before S610, the information processing method may further include:

Receive the target payment card account number entered by the user;

Generate a token generation request based on the target payment card account number;

A mark generation request is sent to the target server; wherein, the mark generation request is used to enable the target server to generate a target payment mark corresponding to the target payment card account.

When binding the target bank account number to the target wearable device, the user can enter the target payment card account number to be bound to the target wearable device in the application interface of the financial application, and the electronic device can generate the target payment card account number according to the target payment card account number. A token generation request is then sent to the TSP platform server, so that the TSP platform server generates a target payment token corresponding to the target payment card account in response to the token generation request.

The method for the TSP platform server to generate the target payment mark corresponding to the target payment card account number has been described above, and will not be repeated here.

Thus, the user can complete the binding setting of the target wearable device and the target payment card account.

Optionally, after sending the tag generation request to the target server, the information processing method may further include:

Receive the target payment token sent by the target server;

Sending a target payment mark and a start instruction corresponding to the target payment mark to the target wearable device; wherein, the start instruction is used to make the target wearable device load the target payment mark into the target personalization corresponding to the target payment mark stored in the target secure element data, and activate the loaded target payment tag to the activated state;

Receive the startup result sent by the target wearable device; among them, the startup result It is used to indicate that the target wearable device has activated the target payment tag loaded in the target personalization data to the activated state;

Send the startup result to the target server.

After the electronic device sends the token generation request to the TSP platform server, it can receive the target payment token sent by the TSP platform server, and send the target payment token to the target wearable device, so that the target wearable device can store the target wearable device in its target secure element The parent of the target profile in the target payout token and activate the target payout token. After the target wearable device activates the target payment mark loaded in the target personalization data to the activated state, it can feed back the activation result to the target electronic device. After receiving the activation result returned by the target wearable device, the electronic device can forward the activation result to the TSP platform server, so that the TSP platform server sets the target tag state corresponding to the target payment tag to the activated state.

Optionally, the TSP platform server may also send the target payment card account number and the target payment mark to the electronic device at the same time, so that the electronic device determines the target payment card account number to which the target payment mark belongs.

In some embodiments, the target wearable device may store the target payment indicia in the target personalization profile, so that the acquiring device may read the target personalization profile and obtain the target payment token in the target personalization profile.

Optionally, before receiving the target payment card account number input by the user, the information processing method may further include:

Send multiple sets of personalized data to the target wearable device; among them, one payment card type corresponding to each set of personalized data;

Correspondingly, before sending the target wearable device the target payment mark and the start instruction corresponding to the target payment mark, the information processing method may further include:

Obtain the target payment card type of the target payment card account corresponding to the target payment mark;

Correspondingly, sending the target payment mark and the start instruction corresponding to the target payment mark to the target wearable device may specifically include:

Send the target wearable device the target payment mark and the start instruction corresponding to the target payment card type;

Wherein, the target personalized data is the personalized data corresponding to the target payment card type.

Specifically, the electronic device and the target wearable device may first perform Bluetooth pairing to achieve binding, and send multiple sets of personalized data to the target wearable device, where one set of personalized data corresponds to one activation instruction. Then, the user can enter the target payment card account number to be bound to the target wearable device in the application interface of the financial application, the electronic device can generate a token generation request according to the target payment card account number, and then the TSP platform server sends the token Generating a request, so that the TSP platform server generates a target payment mark corresponding to the target payment card account in response to the mark generation request. After the electronic device sends the tag generation request to the TSP platform server, it can receive the target payment tag sent by the TSP platform server, obtain the target payment card type of the target payment card account corresponding to the target payment tag, and then query the target payment card type The corresponding start instruction, and the target payment mark and the start instruction corresponding to the target payment mark are sent to the target wearable device, so that the target wearable device can respond to the start instruction and load the target payment mark into the target payment card type. The target personalization data is activated in the target personalization data, so as to realize the activation of the target payment token.

Optionally, sending multiple sets of personalized data to the target wearable device may specifically include: sending multiple sets of personalized data and a personalized data activation program to the target wearable device. Therefore, when the target wearable device receives the activation instruction, it can execute the activation operation through the personalized data activation program, that is, the target payment mark is loaded into the target personalized data corresponding to the target bank card type through the personalized data activation program. And activate the target personalized data, and then realize the activation of the target payment mark.

Optionally, before sending multiple sets of personalized data to the target wearable device, the information processing method may further include:

Obtain the storage state of the target secure element of the target wearable device;

In the case where the stored state is downloadable, send the message to the target wearable device send multiple sets of personalised data;

Refuse to send multiple sets of personalized data to the target wearable device when the storage state is full.

Specifically, the electronic device may acquire a fully loaded state value representing the storage state of the target secure element, and determine the storage state of the target secure element according to the fully loaded state value. In the case that the full load state value represents the full load, the storage state is determined to be the full load state, and in the case that the full load state value represents the full load state, the storage state is determined to be the downloadable state.

Therefore, the embodiment of the present invention can realize the query of the storage state of the target security element of the target wearable device, send multiple sets of personalized data to the target wearable device on the premise that the target wearable device can be downloaded, and improve the start-up target availability. Reliability of NFC payment function of wearable devices.

In some embodiments of the present invention, after sending the tag generation request to the target server, the information processing method may further include:

Receive the payment card account number to be changed entered by the user;

Query the target payment token corresponding to the target wearable device;

Generate an account change request based on the target payment mark and the payment card account to be changed;

Send an account change request to the target server; wherein, the account change request is used to make the target server store the payment card account number to be changed as a new target payment card account number.

When changing the payment card account number bound to the target wearable device, the user can enter the payment card account number to be changed that he wants to change for the target wearable device in the application interface of the financial application, and the electronic device can mark the payment according to the target wearable device. and the payment card account to be changed, generate an account change request, and then send the account change request to the TSP platform server, so that the TSP platform server responds to the account change request, and generates and changes the payment card account number stored in association with the target payment mark.

The method for the TSP platform server to change the payment card account number stored in association with the target payment mark has been described above, and will not be repeated here.

Thus, the user can complete the change setting of the payment card account number bound to the target wearable device.

Optionally, before querying the target payment mark corresponding to the target wearable device, the information processing method may further include:

Obtain the payment card type to be changed of the payment card account to be changed and the target payment card type of the target payment card account;

Correspondingly, querying the target payment mark corresponding to the target wearable device may specifically include:

In the case that the type of the payment card to be changed is the same as the type of the target payment card, query the target payment mark corresponding to the target wearable device.

When changing the bound bank account for the target wearable device, the to-be-changed payment card type of the to-be-changed payment card account that the user wants to change may be the same as the target payment card of the target payment card account that has been bound to the target wearable device The types are the same or different. Since different payment card types correspond to different personalized information, it is necessary to obtain the payment card type to be changed of the payment card account to be changed and the target payment card type of the target payment card account, and then determine the payment card to be changed. Check whether the card type and the target payment card type are the same. If they are the same, you can query the target payment mark corresponding to the target wearable device, and directly change the payment card account stored in the TSP platform server in association with the target payment mark to the payment card account to be changed. .

Optionally, after acquiring the payment card type to be changed corresponding to the payment card account to be changed and the target payment card type corresponding to the target payment card account, the information processing method may further include:

In the case that the type of the payment card to be changed is different from the type of the target payment card, generate a flag change request according to the account number of the payment card to be changed;

Send a mark change request to the target server; wherein, the mark change request is used to enable the target server to generate a to-be-changed payment mark corresponding to the to-be-changed payment card account, and to use the to-be-changed payment mark as a new target payment mark, and to set the to-be-changed payment mark The payment card account number is used as the new target payment card account number.

Specifically, if the type of the payment card to be changed is different from the type of the target payment card, a mark change request can be generated according to the account number of the payment card to be changed, and the mark change request is sent to the TSP platform server, so that the TSP platform server will change the mark to be changed. The payment card account number is used as the new target payment card account, and a new target payment mark corresponding to the new target payment card account is generated, and then the new target payment mark is returned to the electronic device.

In other embodiments of the present invention, after sending the tag generation request to the target server, the information processing method may further include:

Receive the payment card account number to be changed entered by the user;

Generate a tag change request according to the payment card account number to be changed;

Send a mark change request to the target server; wherein, the mark change request is used to enable the target server to generate a to-be-changed payment mark corresponding to the to-be-changed payment card account, and to use the to-be-changed payment mark as a new target payment mark, and to set the to-be-changed payment mark The payment card account number is used as the new target payment card account number.

Specifically, regardless of whether the type of the payment card to be changed and the type of the target payment card are the same, the electronic device can generate a mark change request according to the account number of the payment card to be changed, and send the mark change request to the TSP platform server, so that the TSP platform server will The payment card account to be changed is used as the new target payment card account, and a new target payment mark corresponding to the new target payment card account is generated, and then the new target payment mark is fed back to the electronic device.

Optionally, after sending the tag change request to the target server, the information processing method may further include:

Receive the target payment token sent by the target server;

Sending a target payment mark and a start instruction corresponding to the target payment mark to the target wearable device; wherein, the start instruction is used to make the target wearable device load the target payment mark into the target personalization corresponding to the target payment mark stored in the target secure element data, and activate the loaded target payment tag to the activated state;

Receive the activation result sent by the target wearable device; wherein, the activation result is used to indicate that the target wearable device has activated the target payment mark loaded in the target personalization data. move to start state;

Send the startup result to the target server.

After the electronic device sends a mark change request to the TSP platform server, it can receive the new target payment mark sent by the TSP platform server, and send the new target payment mark and a start instruction corresponding to the new target payment mark to the target wearable The device enables the target wearable device to load the target payment mark into the target personalization data corresponding to the target payment mark stored in the target secure element, and activate the loaded target payment mark to the activated state, and then receive the target payment mark. The start result returned by the wearable device is forwarded to the TSP platform server, so that the TSP platform server sets the target mark state of the new target payment mark to the start state.

In some embodiments, under the condition that the new target payment card account bound to the target wearable device is of the same payment card type as the original target payment card account, the target corresponding to the target payment mark stored in the target secure element A new target payment mark is loaded into the personalization data, and the original target payment mark can be directly overwritten with the new target payment mark.

In other embodiments, when the new target payment card account bound to the target wearable device is not the same as the payment card type of the original target payment card account, the new target personalization profile and the new target are activated. After the payment is marked, the original target personal data and the original target payment mark should also be set to the inactive state or the original target payment mark in the original target personal data should be deleted, so that only one of the target wearable devices is in the active state. target payout tag.

Below, each process of the information processing provided by the embodiment of the present invention will be described in detail by taking FIG. 7 to FIG. 9 as examples.

FIG. 7 shows a schematic flowchart of a process of activating a payment function provided by an embodiment of the present invention. As shown in Figure 7, the process of activating the payment function includes:

S701. The user opens the application interface of the financial application program, and selects the wearable device to be enabled with the NFC payment function on the application interface of the financial application program, so that the electronic device and the wearable device complete Bluetooth pairing;

S702. Query a fully loaded state value representing the storage state of the eSE;

S703. Receive the full load state value, and judge the storage state of the eSE of the wearable device according to the full load state value;

S704. If the storage state is the downloadable state, send the loading data to the eSE of the target wearable device, wherein the loading data includes two sets of personal data and a personal data startup program, and one set of personal data corresponds to the type of the credit card , a set of personalized information corresponds to the type of debit card;

S705, the user selects a bank card in the application interface as the default card bound to the wearable device, so that the electronic device obtains the bank card account number corresponding to the default card, and generates a mark generation request according to the bank card account number;

S706, the electronic device sends a tag generation request to the Internet financial platform server;

S707, the Internet financial platform server sends a tag generation request to the TSM platform server;

S708, the TSM platform server sends a tag generation request to the TSP platform server;

S709, the TSP platform server generates a payment mark corresponding to the bank card account number in response to the mark generation request, and stores the bank card account number and the payment mark in association;

S710, the TSP platform server sends the payment mark corresponding to the bank card account number to the TSM platform server;

S711. The TSM platform server sends the payment mark corresponding to the bank card account number to the Internet financial platform server;

S712, the Internet financial platform server associates and stores the bank card account number and the payment mark, and sends the payment mark corresponding to the bank card account number to the electronic device;

S713, the electronic device sends a start instruction corresponding to the payment mark and the bank card type of the preset card to the wearable device;

S714. Personalized data startup program in the eSE of the target wearable device Execute the activation instruction, write the payment tag into the personalization data corresponding to the bank card type and activate the personalized data to activate the payment tag, and send the activation result to the electronic device after the activation is completed;

S715. The electronic device sends the startup result to the Internet financial platform server;

S716, the Internet financial platform server sends the startup result to the TSM platform server;

S717. The TSM platform server sends the startup result to the TSP platform server;

S718, the TSP platform server, in response to the activation result, sets the tag state of the payment tag to the activation state;

S719. The TSP platform server sends the setting result to the TSM platform server;

S720, the TSM platform server sends the setting result to the Internet financial platform server;

S721. The Internet financial platform server sends the setting result to the electronic device;

S722, the electronic device displays the setting result to prompt the user that the payment by the NFC payment function of the target wearable device is successful.

FIG. 8 shows a schematic flowchart of a process of modifying and binding a payment card account provided by an embodiment of the present invention. As shown in Figure 8, the process of modifying the binding payment card account includes:

S801. The user selects a bank card in the application interface as a new default card bound to the wearable device, so that the electronic device obtains the account number of the bank card to be changed corresponding to the new default card, and according to the bank card to be changed Accounts generate tag change requests;

S802. The electronic device sends a tag change request to the Internet financial platform server;

S803. The Internet financial platform server sends a tag change request to the TSM platform server;

S804, the TSM platform server sends a tag change request to the TSP platform server;

S805, the TSP platform server responds to the tag change request, and generates a pending change Change the payment mark to be changed corresponding to the bank card account number, use the bank card account number to be changed as the new bank card account number, use the payment mark to be changed as the new payment mark, and store the new bank card account number and the new payment mark in association;

S806, the TSP platform server sends a new payment mark corresponding to the new bank card account number to the TSM platform server;

S807, the TSM platform server sends a new payment mark corresponding to the new bank card account number to the Internet financial platform server;

S808, the Internet financial platform server sends a new payment mark corresponding to the new bank card account number to the electronic device;

S809, the electronic device sends a new payment mark and a start instruction corresponding to the bank card type of the new preset card to the wearable device;

S810. The personalized data activation program in the eSE of the target wearable device executes the activation instruction, writes a new payment token into the personalized data corresponding to the bank card type, and activates the personalized data to activate the new payment token, and Send the start-up result to the electronic device after the start-up is completed;

S811. The electronic device sends the startup result to the Internet financial platform server;

S812. The Internet financial platform server sends the startup result to the TSM platform server;

S813. The TSM platform server sends the startup result to the TSP platform server;

S814, the TSP platform server, in response to the activation result, sets the tag state of the new payment tag to the activation state;

S815. The TSP platform server sends the setting result to the TSM platform server;

S816. The TSM platform server sends the setting result to the Internet financial platform server;

S817. The Internet financial platform server sends the setting result to the electronic device;

S818, the electronic device displays the setting result to prompt the user that the default card is successfully updated.

FIG. 9 shows a schematic flowchart of a process of unbinding a payment card account provided by an embodiment of the present invention. As shown in Figure 9, the process of unbinding the payment card account includes:

S901, the user clicks on the unbinding function of the wearable device in the application interface, so that the electronic device queries the payment token stored in the secure element of the wearable device, and generates and generates an unbinding request corresponding to the payment token;

S902. The electronic device sends an unbinding request to the Internet financial platform server;

S903. The Internet financial platform server sends an unbinding request to the TSM platform server;

S904, the TSM platform server sends an unbinding request to the TSP platform server;

S905. In response to the unbinding request, the TSP platform server obtains the payment token to be unbound in the unbinding request, and updates the marking state of the payment token to the unbound state;

S906, the TSP platform server sends the update result to the TSM platform server;

S907. The TSM platform server sends the update result to the Internet financial platform server;

S908, the Internet financial platform server sends the update result to the electronic device;

S909, the electronic device displays the update result to prompt the user that the wearable device is successfully unbound. After the wearable device is successfully unbound, if the TSP platform server receives the transaction request corresponding to the payment token sent by the acquiring device, it can reject the transaction request when the token status of the payment token is found to be unbound. corresponding transaction.

It should be noted that, after the user clicks the unbinding function, the marked state of the payment mark stored in the TSP platform server can be updated to the unbinding state. The user can also click the pause function to update the tag state of the payment tag stored in the TSP platform server to the pause state. The user page can click the loss reporting function to update the marked status of the payment mark stored in the TSP platform server to the reporting status. Specifically, the process of suspending the NFC payment function and the process of reporting the loss of the wearable device are similar to the process of unbinding the wearable device and the payment card account, which will not be repeated here.

In addition, after updating the mark status of the payment mark stored in the TSP platform server to the unbound status, the loss reporting status and the suspended status, the user can also click to re-bond The function of setting, canceling the loss reporting function and restoring function, so that the marked status of the payment mark stored in the TSP platform server is updated to the activated status again.

Therefore, in the embodiment of the present invention, after changing the mark state of the payment mark stored in the TSP platform server, there is no need to change the mark state of the payment mark in the wearable device, and there is no need to delete the payment mark in the wearable device. , but when the wearable device is used to conduct transactions, the transaction may fail due to the marked state of the payment token stored in the TSP platform server, and then the wearable device cannot communicate with the electronic device Bluetooth. Change the payment of the wearable device condition.

FIG. 10 shows a schematic structural diagram of an information processing apparatus provided by an embodiment of the present invention.

In some embodiments of the present invention, the apparatus shown in FIG. 10 may be the TSP platform server 140 shown in FIGS. 1 to 4 , or may be the TSP platform server 140 shown in FIGS. 1 to 4 . function module.

As shown in FIG. 10 , the information processing apparatus 1000 may include:

The first receiving module 1010 is used for receiving a state change request sent by the target electronic device;

The first parsing module 1020 is configured to parse the state change request in response to the state change request to obtain state change request information; wherein the state change request information includes the target payment mark and the target payment state of the target wearable device, and the target can be The wearable device is a wearable device bound to the target electronic device, and the target payment mark is stored in the target secure element of the target wearable device;

The first processing module 1030 is used to update the target mark state corresponding to the target payment mark to the target payment status; wherein, the target mark status is used to determine whether to execute the transaction corresponding to the transaction request when receiving the transaction request corresponding to the target payment mark , the transaction request is generated according to the target payment token obtained from the target secure element.

In this embodiment of the present invention, after receiving the data sent by the target electronic device After the state change request, parse the target payment tag stored in the target secure element of the target wearable device bound to the target electronic device in the state change request and the target payment state of the target wearable device, and associate the target payment tag with the target payment tag. The target mark status of the target wearable device is updated to the target payment status, so that the target mark status corresponding to the target payment mark is used to represent the target payment status of the target wearable device, and the target wearable device is updated by updating the target mark status corresponding to the target payment mark. The target payment status of the device, and then when receiving a transaction request generated according to the target payment mark obtained from the target security element of the target wearable device, it can be determined according to the target mark state corresponding to the target payment mark whether to execute the transaction request corresponding to the Therefore, the payment status of the wearable device can be updated through the electronic device bound to the wearable device, so as to avoid the problem that the user cannot change the payment status of the wearable device after the wearable device is lost, thereby reducing the problem with the wearable device. The bank account associated with the wearable device is at risk of being stolen, which improves the security of the user's bank account.

In some embodiments of the present invention, the information processing apparatus 1000 may further include:

The third receiving module is used for receiving the transaction request sent by the target acquiring device; wherein, the transaction request is generated according to the target payment mark obtained by the target acquiring device from the target secure element;

The second parsing module is used for parsing the transaction request in response to the transaction request to obtain transaction request information; wherein the transaction request information includes a target payment mark;

The second query module is used to query the target mark state corresponding to the target payment mark;

The third processing module is configured to refuse to execute the transaction corresponding to the transaction request when the target flag state is an abnormal state.

In some embodiments of the present invention, the abnormal state may include any one of a suspended state, a reported loss state, and an unbound state.

In some embodiments of the present invention, the information processing apparatus 1000 may further include:

The fourth processing module is used to generate transaction feedback information corresponding to the transaction request according to the target mark state;

The second sending module is used for sending transaction feedback information to the target acquiring device.

In some embodiments of the present invention, the information processing apparatus 1000 may further include:

The fourth receiving module is used for receiving the mark generation request sent by the target electronic device;

The third parsing module is used for parsing the mark generation request in response to the mark generation request to obtain mark generation request information; wherein the mark generation request information includes the target payment card account number;

a fifth processing module, configured to generate a target payment mark according to the target payment card account;

The first storage module is used to associate and store the target payment card account number and the target payment mark.

In some embodiments of the present invention, the information processing apparatus 1000 may further include:

a fifth receiving module, configured to receive an account change request sent by the target electronic device;

The fourth parsing module is used to analyze the account change request in response to the account change request, and obtain account change request information; wherein, the account change request information includes the target payment mark and the payment card account number to be changed;

The first update module is used for storing the payment card account number to be changed as a new target payment card account number.

In some embodiments of the present invention, the information processing apparatus 1000 may further include:

The sixth receiving module is used to receive the mark change request sent by the target electronic device;

a fifth parsing module, used for parsing the mark change request in response to the mark change request to obtain mark change request information; wherein the mark change request includes the payment card account number to be changed;

The sixth processing module is used to generate a payment mark to be changed according to the payment card account number to be changed;

The second update module is used to store the payment card account number to be changed as a new target payment card account number;

The third update module is used for storing the payment mark to be changed as a new target payment mark.

In some embodiments of the present invention, the information processing apparatus 1000 may further include:

The third sending module is used to send the target payment mark to the target electronic device, so that the target electronic device sends the target payment mark and the start instruction corresponding to the target payment mark to the target wearable device; wherein, the start instruction is used to make the target wearable device The device loads the target payment mark into the target personalization data corresponding to the target payment mark stored in the target secure element, and activates the loaded target payment mark to an activated state;

The seventh receiving module is used to receive the activation result sent by the target electronic device; wherein, the activation result is used to indicate that the target wearable device has activated the target payment mark loaded in the target personalization data to the activated state;

The fourth update module is configured to set the target mark state corresponding to the target payment mark to the start state in response to the start-up result.

It should be noted that the information processing apparatus 1000 shown in FIG. 10 can execute various steps in the method embodiment shown in FIG. 5 , and realize various processes and effects in the method embodiment shown in FIG. 5 , which will not be described here. Repeat.

FIG. 11 shows a schematic structural diagram of an information processing apparatus provided by another embodiment of the present invention.

In some embodiments of the present invention, the device shown in FIG. 11 may be The electronic device 110 shown in FIG. 4 may also be a functional module in the electronic device 110 shown in FIGS. 1 to 4 .

As shown in FIG. 11 , the information processing apparatus 1100 may include:

The second receiving module 1110 is configured to receive the target payment status of the target wearable device input by the user; wherein, the target wearable device is a bound wearable device;

The first query module 1120 is used to query the target payment mark corresponding to the target wearable device; wherein, the target payment mark is the payment mark stored in the target secure element of the target wearable device;

The second processing module 1130 is configured to generate a state change request according to the target payment mark and the target payment state;

The first sending module 1140 is used to send a state change request to the target server; wherein, the state change request is used to update the target mark status corresponding to the target payment mark stored in the target server to the target payment status, and the target mark status is When the target server receives the transaction request corresponding to the target payment token, it is determined whether to execute the transaction corresponding to the transaction request, and the transaction request is generated according to the target payment token obtained from the target secure element.

In the embodiment of the present invention, after receiving the target payment state of the bound target wearable device input by the user, the target payment mark stored in the target secure element of the target wearable device and the target of the target wearable device Payment status, generate a status change request, and send a status change request to the target server, so that the target server updates the target mark status corresponding to the target payment mark stored in it to the target payment status, so as to use the target mark status of the target payment mark. The target payment status of the target wearable device can be used to update the target payment status of the target wearable device by using the method of updating the target mark status of the target payment mark. The target mark state of the payment mark determines whether to execute the transaction corresponding to the transaction request, so that the target payment status of the target wearable device can be updated through the target electronic device bound to the mark wearable device, so as to avoid the loss of the wearable device after the wearable device is lost. , the user cannot change the payment status of the wearable device, thereby reducing the risk of the bank account associated with the wearable device being stolen, Improve the security of users' bank accounts.

In some embodiments of the present invention, the target payment state may include any one of a suspended state, a reported loss state, and an unbound state.

In some embodiments of the present invention, the information processing apparatus 1100 may further include:

The eighth receiving module is used for receiving the target payment card account number input by the user;

The seventh processing module is used to generate a mark generation request according to the target payment card account;

The fourth sending module is used for sending a mark generation request to the target server; wherein, the mark generation request is used to make the target server generate a target payment mark corresponding to the target payment card account.

In some embodiments of the present invention, the information processing apparatus 1100 may further include:

The ninth receiving module is used to receive the payment card account number to be changed input by the user;

The third query module is used to query the target payment mark corresponding to the target wearable device;

The eighth processing module is used to generate an account change request according to the target payment mark and the payment card account number to be changed;

The fifth sending module is used for sending an account change request to the target server; wherein, the account change request is used to make the target server store the payment card account number to be changed as a new target payment card bank account number.

In some embodiments of the present invention, the information processing apparatus 1100 may further include:

The first acquisition module is used to acquire the payment card type to be changed of the payment card account to be changed and the target payment card type of the target payment card account;

Among them, the third query module can be specifically used for:

In the case that the type of the payment card to be changed is the same as the type of the target payment card, query the target payment mark corresponding to the target wearable device.

In some embodiments of the present invention, the information processing apparatus 1100 may further include:

The ninth processing module is used to generate a mark change request according to the account number of the payment card to be changed when the type of the payment card to be changed is different from the type of the target payment card;

The sixth sending module is used to send a mark change request to the target server; wherein, the mark change request is used to enable the target server to generate a payment mark to be changed corresponding to the payment card account to be changed, and to use the payment mark to be changed as a new payment mark. Target pay mark.

In some embodiments of the present invention, the information processing apparatus 1100 may further include:

The tenth receiving module is used to receive the target payment mark sent by the target server;

The seventh sending module is used to send the target wearable device to the target wearable device and the start instruction corresponding to the target payment mark; wherein, the start instruction is used to cause the target wearable device to load the target payment mark into the target security element stored. in the target personalization data corresponding to the target payment mark, and activate the loaded target payment mark to the activated state;

The eleventh receiving module is used to receive the activation result sent by the target wearable device; wherein, the activation result is used to indicate that the target wearable device has activated the target payment mark loaded in the target personalization data to the activated state;

The eighth sending module is used for sending the activation result to the target server.

In some embodiments of the present invention, the information processing apparatus 1100 may further include:

The ninth sending module is used to send multiple sets of personalized data to the target wearable device; wherein, each set of personalized data corresponds to a payment card type;

The second obtaining module is used to obtain the target payment card type of the target payment card account number corresponding to the target payment mark;

Among them, the seventh sending module can be specifically used for:

Send the target wearable device the target payment mark and the start instruction corresponding to the target payment card type;

Wherein, the target personalized data is the personalized data corresponding to the target payment card type.

It should be noted that the information processing apparatus 1100 shown in FIG. 11 can execute various steps in the method embodiment shown in FIG. 6 , and realize various processes and effects in the method embodiment shown in FIG. 6 , which will not be described here. Repeat.

FIG. 12 shows a schematic diagram of a hardware structure of an information processing device provided by an embodiment of the present invention.

The information processing apparatus may include a processor 1201 and a memory 1202 storing computer program instructions.

Specifically, the above-mentioned processor 1201 may include a central processing unit (Central Processing Unit, CPU), or a specific integrated circuit (Application Specific Integrated Circuit, ASIC), or may be configured to implement one or more products in the embodiments of the present invention body circuit.

Memory 1202 may include a large number of storage areas for data or instructions. By way of example and not limitation, the memory 1202 may include a Hard Disk Drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a Universal Serial Bus (USB) drive or a combination of two or more of the above. Memory 1202 may include removable or non-removable (or fixed) media, where appropriate. Where appropriate, memory 1202 may be internal or external to the integrated gateway disaster recovery device. In certain embodiments, memory 1202 is a non-volatile solid state memory. In certain embodiments, the memory 1202 includes a read-only memory (ROM). Where appropriate, the ROM may be a mask-programmed ROM, a Programmable Read-Only Memory (PROM), an Erasable Programmable Read-Only Memory (EPROM), an Electrically Erasable PROM (Electrically Erasable Programmable Read Only Memory, EEPROM), Electrically-Alterable Read Only Memory (EAROM), or Flash Memory, or a combination of two or more of these.

The processor 1201 reads and executes the computer program instructions stored in the memory 1202 to implement any one of the information processing methods in the above embodiments.

In one example, the information processing device may further include a communication interface 1203 and a bus bar 1210 . Among them, as shown in FIG. 12 , the processor 1201 , the memory 1202 , and the communication interface 1203 are connected through the bus bar 1210 to complete the communication with each other.

The communication interface 1203 is mainly used to implement communication between modules, devices, units, and/or devices in the embodiments of the present invention.

The bus bar 1210 includes hardware, software, or both, and couples the components of the information processing device to each other. By way of example and not limitation, the bus bars may include Accelerated Graphics Port (AGP) or other graphics bus bars, Enhanced Industry Standard Architecture (EISA) bus bars, Front Side Bus bars , FSB), Hyper Transport (Hyper Transport, HT) interconnect, Industry Standard Architecture (ISA) bus, Infinite Bandwidth Interconnect, Low Pin Count (LPC) bus, memory Bus bar, Micro Channel Architecture (MCA) bus bar, Peripheral Component Interconnect (PCI) bus bar, PCI-Express (PCI-X) bus bar, Serial Advanced Technology Attachment , SATA) bus, Video Electronics Standards Association Local (VESA Local Bus, VLB) bus or other suitable bus or a combination of two or more of these. Busbars 1210 may include one or more busbars, where appropriate. Although embodiments of the present invention describe and illustrate specific busbars, the present invention contemplates any suitable busbars or interconnects.

The information processing device can execute the information processing method in the embodiment of the present invention, thereby realizing the information processing method and apparatus described in conjunction with FIG. 5 to FIG. 11 .

In addition, in combination with the information processing methods in the above-mentioned embodiments, the present invention is implemented Examples may be implemented by providing a computer-readable storage medium. Computer program instructions are stored on the computer-readable storage medium; when the computer program instructions are executed by the processor, any one of the information processing device methods in the above-mentioned embodiments is implemented.

It is to be understood that the present invention is not limited to the specific arrangements and processes described above and shown in the figures. For the sake of brevity, detailed descriptions of known methods are omitted here. In the above-described embodiments, several specific steps are described and shown as examples. However, the method process of the present invention is not limited to the specific steps described and shown, and those skilled in the art can make various changes, modifications and additions, or change the sequence of steps after comprehending the spirit of the present invention.

The functional blocks shown in the structural block diagrams described above can be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, it can be, for example, electronic circuits, application specific integrated circuits (ASICs), suitable firmware, plug-ins, function cards, and the like. When implemented in software, elements of the invention are programs or code segments that are used to perform the required tasks. The program, or segments of program code, can be stored on a machine-readable medium or transmitted over a transmission medium or communication link by a data signal carried in a carrier wave. A "machine-readable medium" may include any medium that can store or transmit information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (Erasable Read-Only Memory, EROM), floppy disks, CD-ROMs, optical disks, hard disks, optical media , Radio Frequency (RF) link, and so on. The code snippets may be downloaded via a computer network such as the Internet, an intranet, or the like.

It should also be noted that the exemplary embodiments mentioned in the present invention describe some methods or systems based on a series of steps or devices. However, the present invention is not limited to the order of the above steps, that is to say, the steps may be performed in the order mentioned in the embodiments, or may be different from the order in the embodiments, or several steps may be performed simultaneously.

The above are only specific embodiments of the present invention, and those skilled in the art can clearly understand that, for the convenience and simplicity of description, the specific working process of the above-described systems, modules and units can be implemented with reference to the aforementioned methods. The corresponding process in the example will not be repeated here. It should be understood that the protection scope of the present invention is not limited to this, any person familiar with the art Those skilled in the art can easily conceive of various equivalent modifications or substitutions within the technical scope disclosed by the present invention, and these modifications or substitutions should all be covered within the protection scope of the present invention.

S510, S520, S530: Steps

Claims (20)

An information processing method, comprising: Receive a state change request sent by the target electronic device; In response to the state change request, analyze the state change request to obtain state change request information; wherein, the state change request information includes a target payment mark and a target payment state of the target wearable device, and the target wearable device The device is a wearable device bound to the target electronic device, and the target payment mark is stored in the target secure element of the target wearable device; The target mark state corresponding to the target payment mark is updated to the target payment status; wherein, the target mark status is used to determine whether to execute the transaction request corresponding to the transaction request when receiving the transaction request corresponding to the target payment mark. a transaction, the transaction request being generated based on the target payment token obtained from the target secure element. The method according to claim 1, wherein the method further comprises: receiving a transaction request sent by a target acquiring device; wherein, the transaction request is generated according to the target payment token acquired by the target acquiring device from the target secure element; In response to the transaction request, analyze the transaction request to obtain transaction request information; wherein, the transaction request information includes the target payment mark; query the target mark state corresponding to the target payment mark; In the case that the target flag state is an abnormal state, the execution of the transaction corresponding to the transaction request is refused. The method according to claim 2, wherein the abnormal state includes any one of a suspended state, a loss reporting state and an unbound state. The method according to claim 2, wherein after the refusal to execute the transaction corresponding to the transaction request, the method further includes: generating transaction feedback information corresponding to the transaction request according to the target mark state; Sending the transaction feedback information to the target acquiring device. The method according to claim 4, wherein the receiving the status sent by the target electronic device Before the state change request, the method further includes: receiving a tag generation request sent by the target electronic device; In response to the tag generation request, parsing the tag generation request to obtain tag generation request information; wherein the tag generation request information includes a target payment card account; generating the target payment mark according to the target payment card account number; The target payment card account number and the target payment token are stored in association. The method according to claim 5, wherein after storing the target payment card account number and the target payment mark in association, the method further comprises: receiving an account change request sent by the target electronic device; In response to the account change request, analyze the account change request to obtain account change request information; wherein the account change request information includes the target payment mark and the payment card account number to be changed; The to-be-changed payment card account number is stored as a new target payment card account number. The method according to claim 5, wherein after storing the target payment card account number and the target payment mark in association, the method further comprises: receiving a tag change request sent by the target electronic device; In response to the mark change request, analyze the mark change request to obtain mark change request information; wherein, the mark change request includes the payment card account number to be changed; generating the to-be-changed payment mark according to the to-be-changed payment card account number; storing the to-be-changed payment card account number as a new target bank account number; The to-be-changed payment token is stored as a new target payment token. The method according to claim 5 or 7, wherein the method further comprises: Sending the target payment mark to the target electronic device, so that the target electronic device sends the target payment mark and a start instruction corresponding to the target payment mark to the target wearable device; wherein, the start instruction for causing the target wearable device to load the target payment mark into the target personalization data corresponding to the target payment mark stored in the target secure element, and to load the loaded target payment mark start to start state; receiving an activation result sent by the target electronic device; wherein the activation result is used to indicate that the target wearable device has activated the target payment mark loaded in the target personalization profile to an activated state; In response to the activation result, the target tag state corresponding to the target payment tag is set to an activation state. An information processing method, comprising: Receive the target payment status of the target wearable device input by the user; wherein, the target wearable device is a bound wearable device; query the target payment mark corresponding to the target wearable device; wherein, the target payment mark is the payment mark stored in the target secure element of the target wearable device; generating a state change request according to the target payment flag and the target payment state; Send the state change request to the target server; wherein, the state change request is used to update the target mark state corresponding to the target payment mark stored in the target server to the target payment state, the target The tag status is used to determine whether to execute the transaction corresponding to the transaction request when the target server receives the transaction request corresponding to the target payment tag, and the transaction request is based on the transaction request obtained from the target secure element. Target payment token generation. The method according to claim 9, wherein the target payment state includes any one of a suspended state, a loss reporting state and an unbound state. The method according to claim 9, wherein before receiving the target payment status of the target wearable device input by the user, the method further comprises: receiving a target payment card account number entered by the user; generating a token generation request according to the target payment card account; Sending the mark generation request to the target server; wherein the mark generation request is used to enable the target server to generate the target payment mark corresponding to the target payment card account number. The method according to claim 11, wherein after the tag generation request is sent to the target server, the method further comprises: receiving the payment card account number to be changed input by the user; query the target payment mark corresponding to the target wearable device; generating an account change request according to the target payment mark and the to-be-changed payment card account; Sending the account change request to the target server; wherein the account change request is used to make the target server store the payment card account number to be changed as a new target payment card account number. The method according to claim 12, wherein before the querying the target payment mark corresponding to the target wearable device, the method further comprises: acquiring the to-be-changed payment card type of the to-be-changed payment card account number and the target payment card type of the target payment card account number; Wherein, the querying the target payment mark corresponding to the target wearable device includes: In the case that the type of the payment card to be changed is the same as the type of the target payment card, query the target payment mark corresponding to the target wearable device. The method according to claim 13, wherein after acquiring the payment card type to be changed corresponding to the payment card account to be changed and the target payment card type corresponding to the target payment card account, the method further includes: In the case that the type of the payment card to be changed is different from the type of the target payment card, generating a flag change request according to the account number of the payment card to be changed; Sending the mark change request to the target server; wherein, the mark change request is used to cause the target server to generate the to-be-changed payment mark corresponding to the to-be-changed payment card account, and to change the to-be-changed payment mark Change the payout token to be the new target payout token. The method according to claim 11 or 14, wherein the method further comprises: receiving the target payment token sent by the target server; Sending the target payment mark and a start instruction corresponding to the target payment mark to the target wearable device; wherein the start instruction is used to cause the target wearable device to load the target payment mark into the target wearable device. in the target personalization data corresponding to the target payment mark stored in the target secure element, and enabling the loaded target payment mark to an activated state; Receive a startup result sent by the target wearable device; wherein the startup result is used for indicating that the target wearable device has activated the target payment tag loaded in the target personalization profile to an activated state; Sending the activation result to the target server. The method according to claim 15, wherein before receiving the target payment card account number input by the user, the method further comprises: Sending multiple sets of personalized data to the target wearable device; wherein, each set of the personalized data corresponds to a payment card type; Wherein, before the sending to the target wearable device the target payment mark and the start instruction corresponding to the target payment mark, the method further includes: acquiring the target payment card type of the target payment card account number corresponding to the target payment mark; The sending, to the target wearable device, the target payment mark and a start instruction corresponding to the target payment mark, includes: sending a start instruction corresponding to the target payment mark and the target payment card type to the target wearable device; Wherein, the target personalized data is the personalized data corresponding to the target payment card type. An information processing device, comprising: a first receiving module for receiving a state change request sent by the target electronic device; The first parsing module is used for parsing the state change request in response to the state change request to obtain state change request information; wherein the state change request information includes the target payment mark and the target of the target wearable device payment status, the target wearable device is a wearable device bound to the target electronic device, and the target payment mark is stored in the target secure element of the target wearable device; a first processing module, configured to update the target mark state corresponding to the target payment mark to the target payment status; wherein the target mark status is used to determine when a transaction request corresponding to the target payment mark is received Whether to execute the transaction corresponding to the transaction request, the transaction request is generated according to the target payment token obtained from the target secure element. An information processing device, comprising: The second receiving module is used to receive the target payment status of the target wearable device input by the user; wherein, the target wearable device is a bound wearable device; a first query module, configured to query the target payment mark corresponding to the target wearable device; wherein, the target payment mark is the payment mark stored in the target security element of the target wearable device; a second processing module, configured to generate a state change request according to the target payment mark and the target payment state; The first sending module is used to send the state change request to the target server; wherein, the state change request is used to update the target mark state corresponding to the target payment mark stored in the target server to the The target payment status, the target tag status is used to determine whether to execute the transaction corresponding to the transaction request when the target server receives the transaction request corresponding to the target payment tag, and the transaction request is based on the transaction request from the target. The target payment token obtained in the secure element is generated. An information processing device, characterized in that the device comprises: a processor and a memory storing computer program instructions; The processor implements the information processing method described in any one of claims 1-16 when the processor executes the computer program instructions. A computer-readable storage medium, characterized in that the computer-readable storage medium stores computer program instructions, and when the computer program instructions are executed by a processor, the information described in any one of claim items 1-16 is realized. Approach.

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