TWI797638B - Information processing method, device, equipment and medium - Google Patents

Abstract

The invention discloses an information processing method, device, equipment and medium. Wherein, an information processing method includes: receiving a state change request sent by the target electronic device; responding to the state change request, parsing the state change request to obtain state change request information including the target payment mark and the target payment state of the target wearable device , the target wearable device is a wearable device bound to the target electronic device, and the target payment token is stored in the target secure element of the target wearable device; the target token state corresponding to the target payment token is updated to the target payment state, and the target token state It is used to determine whether to execute the transaction corresponding to the transaction request when receiving the transaction request corresponding to the target payment token, and the transaction request is generated according to the target payment token obtained from the target security element. According to the embodiment of the present invention, the problem that the user cannot change the payment status of the wearable device after the wearable device is lost can be solved.

Description

Information processing method, device, equipment and medium

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

With the development of technology, the near field communication (Near Field Communication, NFC) payment function has gradually become a standard configuration of wearable devices. When the user is shopping or taking public transportation, he only needs to put the wearable device close to the point of sale (Point of Sale, POS) terminal or the credit card machine of the public transportation, and the payment can be completed in a short time.

Although the user can use the wearable device to perform payment operations more conveniently, the user cannot change the payment status of the wearable device after the wearable device is lost, 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 a user cannot change the payment status of a wearable device after the wearable device is lost.

In the first aspect, an embodiment of the present invention provides an information processing method, including: receiving a state change request sent by a target electronic device; responding to the state change request, analyzing the state change request to obtain state change request information; wherein, the state change The request information includes the target payment token 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 payment token is stored in the target secure element of the target wearable device; Update the target token state corresponding to the target payment token to the target payment state; wherein, the target token state is used to determine whether to execute the transaction corresponding to the transaction request when receiving the transaction request corresponding to the target payment token, and the transaction request is based on the The acquired target pays tokens for generation.

In the second aspect, the embodiment of the present invention provides an information processing method, including: receiving the target payment status of the target wearable device input by the user; wherein, the target wearable device is a bound wearable device; querying the target wearable device The target payment token corresponding to the device; wherein, the target payment token is the payment token stored in the target secure element of the target wearable device; according to the target payment token and the target payment state, a state change request is generated; a state change request is sent to the target server ; Wherein, the state change request is used to update the target token status corresponding to the target payment token stored in the target server to the target payment status, and the target token status is used to determine whether the target server receives the transaction request corresponding to the target payment token 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 a third aspect, an embodiment of the present invention provides an information processing device, including: a first receiving module, configured to receive a state change request sent by a target electronic device; a first parsing module, configured to respond to a state change request, to The state change request is analyzed to obtain the state change request information; wherein, 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 can be The target payment token is stored in the target security element of the wearable device; the first processing module is used to update the target token state corresponding to the target payment token to the target payment state; wherein, the target token state is used to receive the target payment token corresponding to When determining 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.

In the fourth aspect, the embodiment of the present invention provides an information processing device, including: a second receiving module, configured to receive the target payment status of the target wearable device input by the user; state; wherein, the target wearable device is a bound wearable device; the first query module is used to query the target payment token corresponding to the target wearable device; wherein, the target payment token is the target security element of the target wearable device The payment token stored in the system; the second processing module is used to generate a status change request according to the target payment token and the target payment status; the first sending module is used to send a status change request to the target server; wherein, the status change The request is used to update the target token status corresponding to the target payment token stored in the target server to the target payment status, and the target token status is used to determine whether to execute the transaction request corresponding to the transaction request when the target server receives the transaction request corresponding to the target payment token. Transaction, the transaction request is generated according to the target payment token obtained from the target secure element.

In the fifth aspect, the embodiment of the present invention provides an information processing device, which includes: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the information processing device as described in the first aspect or the second aspect is realized. information processing methods.

In the sixth aspect, the embodiment of the present invention provides a computer-readable storage medium, the computer-readable storage medium stores computer program instructions, and when the computer program instructions are executed by a processor, the computer program instructions described in the first aspect or the second aspect are implemented. information processing methods.

The information processing method, device, device, and medium of the embodiments of the present invention can analyze 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 Stored in the target payment token and the target payment state of the target wearable device, and update the target token state corresponding to the target payment token to the target payment state, so as to use the target token state corresponding to the target payment token to represent the target wearable device The target payment status is realized by updating the target tag status corresponding to the target payment tag to update the target payment status of the target wearable device, and then after receiving the target payment status obtained from the target secure element of the target wearable device When marking the transaction request generated, it can be determined whether to execute the transaction corresponding to the transaction request according to the target mark status corresponding to the target payment mark. The device updates the payment status of the wearable device 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 risk of the bank account associated with the wearable device being stolen, and improving Security of User's Bank Account.

110:Wearable devices

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

180: card issuer server

1010: The first receiving module

1020: The first analysis module

1030: The first processing module

1000,1100: information processing device

1110: The 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 more clearly illustrate the technical solutions of the embodiments of the present invention, the diagrams that need to be used in the embodiments of the present invention will be briefly introduced below. Additional figures can be derived from these figures.

Fig. 1 is a structure diagram of information processing provided by one embodiment of the present invention; Fig. 2 is a structure diagram of information processing provided by another embodiment of the present invention; Fig. 3 is a structure diagram of information processing provided by another embodiment of the present invention Architecture diagram; FIG. 4 is an architecture diagram of an information processing provided by another embodiment of the present invention; FIG. 5 is a schematic flow diagram of an information processing method provided by an embodiment of the present invention; FIG. 6 is an information processing method provided by another embodiment of the present invention Schematic flow diagram of the processing method; FIG. 7 is a schematic flow diagram of the process of opening a payment function provided by an embodiment of the present invention; FIG. 8 is a schematic flow diagram of the process of modifying and binding a payment card account number provided by an embodiment of the present invention; FIG. A schematic flowchart of the process of unbinding a payment card account provided by an embodiment; FIG. 10 is a schematic structural diagram of an information processing device provided by an embodiment of the present invention; FIG. 11 is a schematic structural diagram of an information processing device 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.

The characteristics and exemplary embodiments of various aspects of the present invention will be described in detail below. In order to make the purpose, technical solutions and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described here are only configured to explain the present invention, not to limit the present invention. It will be apparent to one 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 to provide a better understanding of the present invention by showing examples of the present invention.

It should be noted that in this article, 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 that there is a relationship between these entities or operations. There is no such actual relationship or order between them. Furthermore, the term "comprises", "comprises" or any other variation thereof is intended to cover a non-exclusive inclusion such that a process, method, article, or apparatus comprising a set of elements includes not only those elements, but also includes elements not expressly listed. other elements of or also include elements inherent in such a process, method, article, or device. Without further limitations, an element defined by the statement "comprising..." does not exclude the presence of additional same elements in the process, method, article or device comprising said 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 FIG. 1 to FIG. 4 .

FIG. 1 shows a structure diagram of 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 .

Among them, the wearable device 110 can 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, Smart helmets, smart rings, smart accessories, etc., the wearable device 110 has an 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., and the acquiring device 130 has an NFC information reading function. The TSP platform server 140 is used to manage and verify the payment token (Token). The TSP platform server 140 may be a cloud server or a server cluster or other device with storage and computing functions.

Continuing to refer to FIG. 1, each electronic device 120 can communicate with at least one wearable The wearable device 110 is bound and performs wireless communication, so that data transmission can be performed between the electronic device 120 and the wearable device 110 bound to it through wireless communication. Wherein, the wireless communication may be short-distance wireless communication, for example, bluetooth, wireless local area network (Wireless Fidelity, WIFI). Each electronic device 120 can also communicate with the TSP platform server 140 respectively, so that the TSP platform server 140 can change the status corresponding to the payment token stored in the secure element of the wearable device 110 bound to it, wherein, The payment token has a one-to-one correspondence with the payment card account number. Each acquirer device 130 can also communicate with the TSP platform server 140, for sending the 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 Check the payment token according to the payment status corresponding to the payment token, and determine whether to execute the transaction corresponding to the transaction request according to the verification result. Wherein, the payment token 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 enable the TSP platform server 140 to change the status corresponding to the payment token stored in the secure element of the wearable device 110 bound to it is as follows: the electronic device 120 first receives the user's input of its already paid token. The payment status of the bound specified wearable device 110, and then query the payment token stored in the secure element of the specified wearable device 110, and then generate a status change request according to the queried payment token and the payment status input by the user, Finally, the status change request is sent to the TSP platform server 140 .

After the TSP platform server 140 receives the state change request sent by the electronic device 120, it can analyze the received state change request, obtain the payment token and payment state carried in the state change request, and send the state change request The flag status corresponding to the payment token carried in the status change request is updated to the payment status carried in the status change request, and then when receiving the transaction request generated according to the payment token carried in the status change request, according to the token status corresponding to the payment token Determine whether to execute the transaction corresponding to the transaction request.

Therefore, in the information processing architecture shown in FIG. 1 , since the wearable device has the NFC payment function, when the wearable device makes payment, the acquiring device 130 can directly read the NFC payment function. Wear the payment token stored in the device, and send the transaction request generated according to the payment token to the TSP platform server, 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 token carried by the transaction request. If it is determined to execute the transaction, the transaction can be completed according to the payment token. Therefore, the wearable device can realize the payment function without networking.

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

FIG. 2 shows a structure diagram of information processing provided by another embodiment of the present invention. As shown in Figure 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 will not be repeated here.

The Internet financial platform server 150 can be used to provide Internet financial services, and the acquiring platform server 160 can be used to provide acquiring services. The Internet financial platform server 150 and the acquiring platform server 160 can be cloud servers or server servers respectively. Clusters and other devices with storage and computing functions.

The 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 that he has bound 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 token stored in the component generates a status change request based on the queried payment token and the payment status input by the user, and finally sends the status change request 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 information contained in the secure element of the wearable device 110 through the acquiring application program. The stored payment token is then sent to the TSP platform server 140 through the acquirer platform server 160 with a transaction request carrying the read payment token.

FIG. 3 shows a structure diagram of information processing provided by another embodiment of the present invention. As shown in Figure 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, acquiring platform server 160 and a trusted service management (Trusted Service Management, TSM) platform server 170.

Among them, the principle 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 is the same as that of the embodiment shown in FIG. repeat.

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

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

FIG. 4 shows a structure diagram of information processing provided by another embodiment of the present invention. As shown in Figure 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, Internet financial platform server 150, acquiring platform server 160. TSM platform server 170 and card issuer server 180.

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

In the case that the TSP platform server 140 determines to execute the transaction, the TSP platform server 140 can obtain the acquiring device identification and the transaction amount carried in the transaction request, and query the payment card account number stored in association with the payment token, and the payment account number is The payment account number bound to the wearable device, and then send the obtained acquirer device identification, transaction amount and payment account number 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 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, and the TSP platform server 140 can sequentially pass through the TSM platform server 170 and the acquiring platform server. The device 160 sends the transaction completion result to the acquiring device 130 that sent the transaction request.

Optionally, the payment card account number may be a physical payment card account number or a virtual payment card account number. Wherein, 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 directly used to complete the transaction through the bank card account corresponding to the bank account bound to the wearable device.

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

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 executed 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 connected to the server of the TSP platform and 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 start state, the pause state, the loss reporting state and the unbinding 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 report state and the unbound state, and the normal state can include the activated state.

Wherein, the start state refers to that the NFC payment function of the wearable device has been started and is in an available state. The suspended state means that the NFC payment function of the wearable device has been activated and is in a suspended state. The loss reporting status means that the NFC payment function of the wearable device has been activated and is in the loss reporting registration status. In the loss reporting status, 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 directly communicate 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 communicate through the Internet financial platform server and the TSP platform server in turn. The communication between the TSM platform server and the TSP platform server is not limited here.

S520. 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 token 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 payment token is stored in the target secure element of the target wearable device .

Specifically, the target wearable device is the wearable device whose payment status is to be changed specified by the user, and the target payment token is the payment token stored in the target secure element of the target wearable device indicated by the user.

S530. Update the target token status corresponding to the target payment token to the target payment status.

Among them, the target token state is used for the transaction corresponding to the target payment token received When requesting, 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 some embodiments of the present invention, the TSP platform server can store the payment token and the token status corresponding to the payment token. For example, the TSP platform server can add a status bit to the payment token, and the status bit is provided with a status value. A status A value represents a payment state, and different state values represent different payment states.

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

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

In these embodiments, optionally, the TSP platform server can determine the target status value corresponding to the target payment status, and set the status bit in the target personalization data to which the target payment tag belongs to the target status value, so as to realize Update the target token status corresponding to the target payment token to the target payment status.

Among them, the personalization data can be a personalization application identifier (application identifier, AID), which is composed of character strings. The personalization AID contains general character strings, payment tokens and status values, and the payment token is also composed of character strings. Flags and status values can follow the generic string.

For example, the universal character string of the personalized AID may be: A000000333 010102 00 63020000 01 0000. Among them, the first 10 digits can be a fixed character string, and the 11th-16th 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, the 17th -18 digits can indicate the application type, such as 00 for financial applications and 01 for non-financial applications, the 19th-26th digits can be the institution code of the application provider, the 27th-28th digits can be extended, and its functions can be customized. Bits 29-32 can indicate the chip card type, such as The PBOC2.0 type is 0000, and the PBOC3.0 type is 1000.

In the 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 with the payment tag stored in the secure element according to the tag status corresponding to the payment tag, and then can determine whether to execute the payment status of the wearable device according to the payment status of the wearable device. The transaction corresponding to the transaction request.

In the embodiment of the present invention, after receiving the state change request sent by the target electronic device, it is possible to analyze the target payment token and the The target payment state of the target wearable device, and update the target mark state corresponding to the target payment mark to the target payment state, so as to use the target mark state corresponding to the target payment mark to represent the target payment state of the target wearable device, and realize the utilization of the target The method of updating the target token state corresponding to the payment token updates the target payment state of the target wearable device, and then when receiving a transaction request generated according to the target payment token obtained from the target secure element of the target wearable device, it can Determine whether to execute the transaction corresponding to the transaction request according to the target mark state 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 loss of the wearable device. 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 token obtained by the target acquiring device from the target secure element; and responding Based on the transaction request, analyze the transaction request to obtain transaction request information; wherein, the transaction request information includes the target payment token; query the target token status corresponding to the target payment token; and refuse to execute the transaction request if the target token status is abnormal right corresponding transaction.

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

Specifically, when the user uses the target wearable device to make payment, the target acquiring device can read the target payment token stored in the target secure element of the target wearable device, and the target acquiring device can The single-device target acquiring device ID and transaction amount generate a transaction request, and then send the transaction request to the TSP platform server.

Wherein, the target acquiring device identifier can be the Internet Protocol (Internet Protocol, IP) address identified by the target acquiring device, or the device identity (Identity document, ID) identified by the target acquiring device, and the device ID can be is the device identification code.

The TSP platform server can receive the transaction request sent by the target acquiring device, and analyze the transaction request to obtain the target payment token, the target acquiring device identifier and the transaction amount, and then query the status of the target token corresponding to the target payment token. The TSP platform server can refuse to execute the transaction corresponding to the transaction request when the state of the target mark is abnormal; when the state of the target mark is normal, query the target payment card account number stored in association with the target payment mark, and send the target The payment card account number, target acquiring device ID and 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 to the target acquiring device ID. The payment card account, and then feedback the transaction completion result to the TSP platform server. After receiving the transaction completion result, the TSP platform server may forward the transaction completion result to the target acquiring device.

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

Thus, after the wearable device is lost, the user can change the payment state of the wearable device to an abnormal state, and change the mark state of the payment token corresponding to the wearable device to an abnormal state, so that when the wearable device is used again When paying, it is rejected by the TSP platform server Execute transactions, prevent bank accounts associated with wearable devices from being stolen, and improve the security of the user's bank account.

In some embodiments of the present invention, after the transaction corresponding to the transaction request is rejected, the information processing method may further include: generating transaction feedback information corresponding to the transaction request according to the target mark status; and sending the transaction feedback information to the target acquiring device.

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

In yet another embodiment of the present invention, before S510, the information processing method may further include: receiving a tag generation request sent by the target electronic device; responding to the tag generation request, parsing the tag generation request to obtain tag generation request information; Wherein, the mark generation request information includes the target payment card account number; the target payment mark is generated according to the target payment card account number; and the target payment card account number and the target payment mark are associated and stored.

Specifically, the TSP platform server may receive the mark generation request sent by the target electronic device, and analyze the mark generation request to obtain the target payment card account number, then generate the target payment mark corresponding to the target payment card account number, and pass the target payment card account number Stored in association with the target payment token.

Wherein, the TSP platform server can generate the target payment token corresponding to the target payment card account number by using a preset token generation method.

For example, the tag generation method may be to use a preset encryption algorithm to encrypt all digits of the target payment card account number to obtain an encrypted encrypted string, and use the encrypted string as the target payment tag. For another example, the tag generation method can be to use a preset encryption algorithm to target Part of the digits of the target payment card account number is encrypted to obtain an encrypted encrypted string, and the unencrypted digits of the target payment card account number and the encrypted string are spliced to obtain the target payment token.

Optionally, after generating the target payment token, the information processing method may further include: sending the target payment token to the target electronic device, so that the target electronic device sends the target payment token and an activation instruction corresponding to the target payment token to the target wearable device ; Wherein, the activation instruction is used to enable the target wearable device to load the target payment token into the target personalization data corresponding to the target payment token stored in the target secure element, and activate the loaded target payment token to an activated state; receiving 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 flag loaded in the target personalization information to the activation state; in response to the activation result, the target payment flag corresponding The target flag state is set to start state.

Specifically, after the target payment token is generated, the TSP platform server may send the target payment token to the target electronic device, so that the target electronic device determines the activation instruction corresponding to the target payment token, and sends the target payment token and the activation instruction corresponding to the target payment token Send it to the target wearable device, and make the target wearable device load the target payment token into the target personalization data corresponding to the target payment token stored in the target secure element, and activate the loaded target payment token to the activated state . After the target wearable device has activated the target payment flag loaded in the target personalization data, it can send a message to the TSP platform server through the target electronic device to indicate that the target wearable device has stored the target personalization data. The loaded target pays the flag activation as an activation result of the activated state. After the TSP platform server receives the start result sent by the target electronic device, it can set the state of the target mark corresponding to the target payment mark to the start state, thereby making the NFC payment function of the target wearable device available.

Wherein, the method for the target wearable device to start the target payment mark will be described in detail later.

Optionally, sending the target payment token to the target electronic device may specifically include: sending the target payment card account number and the target payment token to the target electronic device, so that the target electronic device determines the target payment card account number to which the target payment token belongs, and then determines the target payment card account number associated with the target payment token. A target wearable device bound to the card account, and an 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 associating and storing the target payment card account number and the target payment token, the information processing method may further include: receiving an account change request sent by the target electronic device; in response to the account change request, responding to the account change request Perform analysis to obtain account change request information; wherein, the account change request information includes the target payment token and the payment card account number to be changed; store the payment card account number to be changed as the new target payment card account number.

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

In some embodiments, the association relationship between the target payment token and the original target payment card account number can be released, and a new association relationship between the target payment card account number and the target payment token can be established. In some other embodiments, the new target payment card account number can 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 token are associated and stored, the information processing method may further include: receiving a token change request sent by the target electronic device; in response to the token change request, changing the token The request is parsed and the token is obtained Change request information; wherein, the mark change request includes the payment card account number to be changed; according to the payment card account number to be changed, the payment mark to be changed is generated; the payment card account number to be changed is stored as the new target payment card account number; the payment mark to be changed is stored Pay tokens for new goals.

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 number to be changed, and then generate the payment mark to be changed corresponding to the payment card account number to be changed. Change the payment card account number as the new target bank account number, use the payment token to be changed as the new target payment token, and associate and store the new target payment card account number and the new target payment token to complete the storage in the TSP platform server Updates to payment card account numbers and payment tokens.

Optionally, the original target payment card account number bound to the target wearable device and the target payment token corresponding to the original target payment card account number may be retained or deleted, without limitation here.

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: sending the target payment token to the target electronic device, so that the target electronic device sends the target payment card to the target wearable device The activation instruction corresponding to the token and the target payment token; wherein, the activation instruction is used to make the target wearable device load the target payment token into the target personalization data corresponding to the target payment token stored in the target security element, and load the loaded The target payment mark of the target is activated as the activated state; the activation result sent by the target electronic device is received; wherein, the activation result is used to indicate that the target wearable device has activated the target payment mark loaded in the target personalization information to the activated state; in response In the start result, set the state of the target mark corresponding to the target payment mark as the start state; wherein, the start state is the normal state.

Specifically, after the TSP platform server generates the payment token to be changed and uses it as the new target payment token, it can also send the target payment token to the target electronic device to pass 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 token state corresponding to the target payment token to the activation state. Since the specific process has been described in detail above, details are 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 executed 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 state of the target wearable device input by the user; wherein, the target wearable device is a bound wearable device.

Wherein, 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 input the target payment status of the target wearable device in the application interface of the financial application. The target payment status can be the target wearable device that the user wants to change. payment status.

Specifically, the target payment status may include any one of a start status, a suspension status, a loss reporting status and an unbinding status. 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 report state and the unbound state, and the normal state can include the activated state.

S620. Query the target payment token corresponding to the target wearable device.

Wherein, 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, query the target wearable device ID corresponding to the target wearable device, and then query the target payment token stored in the target secure element of the target wearable device according to the target wearable device ID.

Wherein, 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, if there is at least one payment token in the local storage area of the electronic device, the electronic device can query the at least one payment token in the local storage area for the target stored in association with the target wearable device ID Pay mark.

In some other embodiments of the present invention, in the case that 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 identification, and send the token query request to the server for storing the payment token. device, so that the device responds to the identity query request and queries the target payment token stored in association with the target wearable device identity for the electronic device.

In some embodiments, in the case that the electronic device directly communicates with the TSP platform server, the device for storing the payment token may be the TSP platform server.

In some other embodiments, when the electronic device communicates with the TSP platform server through the Internet financial platform server, the device used to store the payment token may be an Internet financial platform server, that is, the Internet financial platform server may receive After the target payment token sent by the TSP platform server, the target payment token is stored.

Optionally, the TSP platform server can also send the target bank account number and the target payment token to the Internet financial platform server at the same time, so that the Internet financial platform server can determine the target payment card account number to which the target payment token belongs, and send the target payment card account number to the target payment card account number. Stored in association with the target payment token.

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

In the 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.

where, where the state change request is used to transfer the target stored in the target server The target tag status corresponding to the payment tag is updated to the target payment status, and 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. Get target pay token generated.

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

It should be noted that the method for the target server to update the target token status corresponding to the target payment token 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 status of the bound target wearable device input by the user, according to the target payment token stored in the target secure element of the target wearable device and the target wearable device's Target payment status, generate a status change request, and send a status change request to the target server, so that the target server will update the target status corresponding to the target payment status to the target payment status, so as to utilize the target status of the target payment status Indicates the target payment status of the target wearable device, and realizes updating the target payment status of the target wearable device by updating the target payment status of the target payment tag, and then when receiving the transaction request corresponding to the target payment tag, it can be based on The target tag status of the target payment tag determines whether to execute the transaction corresponding to the transaction request, thus, the target payment status of the target wearable device can be updated through the target electronic device bound to the target wearable device, so as to avoid loss of the wearable device. Finally, 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, before S610, the information processing method may further include: receiving the target payment card account number input by the user; generating a token generation request according to the target payment card account number; sending the token generation request to the target server ; Wherein, the mark generation request is used to make the target server generate the target payment mark corresponding to the target payment card account number.

When binding the target bank account for the target wearable device, the user can input the target payment card account number to be bound for the target wearable device in the application interface of the financial application program, and the electronic device can generate a bank account number based on the target payment card account number. A token generation request, and then send a token generation request to the TSP platform server, so that the TSP platform server responds to the token generation request and generates a target payment token corresponding to the target payment card account number.

Wherein, the method for the TSP platform server to generate the target payment token corresponding to the target payment card account 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 token generation request to the target server, the information processing method may further include: receiving the target payment token sent by the target server; sending the target payment token and the activation instruction corresponding to the target payment token to the target wearable device ; Wherein, the activation instruction is used to enable the target wearable device to load the target payment token into the target personalization data corresponding to the target payment token stored in the target secure element, and activate the loaded target payment token to an 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 flag loaded in the target personalization data to the activation state; and send the activation result to the target server.

After the electronic device sends a 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 stores it in its target secure element. Parents in the Goals personalization profile are tagged in the Goals payment and activate the Goals payment tag. After the target wearable device activates the target payment token loaded in the target personalization data into an activated state, it can feed back the activation result to the target electronic device. After the electronic device receives the startup result fed back by the target wearable device, it can forward the startup result to the TSP platform server, so that the TSP platform server will send the target The target token state corresponding to the payment token is set to the activated state.

Optionally, the TSP platform server may simultaneously send the target payment card account number and the target payment token to the electronic device, so that the electronic device determines the target payment card account number to which the target payment token belongs.

In some embodiments, the target wearable device can store the target payment token in the target personalization information, so that the acquiring device can read the target personalization data, and then obtain the target payment token in the target personalization data.

Optionally, before receiving the target payment card account number input by the user, the information processing method may further include: sending multiple sets of personalization data to the target wearable device; wherein, each set of personalization data corresponds to a payment card type; Correspondingly, before sending the target payment token and the activation instruction corresponding to the target payment token to the target wearable device, the information processing method may further include: acquiring the target payment card type of the target payment card account number corresponding to the target payment token; The target wearable device sending the target payment token and the activation instruction corresponding to the target payment token may specifically include: sending the target wearable device to the target payment token and the activation instruction corresponding to the target payment card type; wherein, the target personalization information is the target payment card type Corresponding Personalized Data.

Specifically, the electronic device and the target wearable device can first perform Bluetooth pairing to realize binding, and send multiple sets of personalization data to the target wearable device, and a set of personalization data corresponds to a start command. Then, the user can enter the target payment card account number that he wants to bind to the target wearable device in the application interface of the financial application program, and the electronic device can generate a tag generation request according to the target payment card account number, and then the TSP platform server sends the tag Generate a request, so that the TSP platform server responds to the token generation request and generates a target payment token corresponding to the target payment card account number. After the electronic device sends a token generation request to the TSP platform server, it can receive the target payment token sent by the TSP platform server, and obtain the target payment token corresponding to the target payment token. Mark the target payment card type of the payment card account, and then query the start command corresponding to the target payment card type, and send the target payment mark and the start command corresponding to the target payment mark to the target wearable device, so that the target wearable device can respond In the activation instruction, the target payment token is loaded into the target personalization data corresponding to the target payment card type and the target personalization data is activated, thereby realizing 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 to the target wearable device and launching a program with the personalized data. Thus, when the target wearable device receives the activation command, it can execute the activation operation through the personalized data activation program, that is, the target payment token is loaded into the target personalization data corresponding to the target bank card type through the personalized data activation program And activate the target personalization 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: acquiring the storage status of the target secure element of the target wearable device; when the storage status is a downloadable status, Send multiple sets of personalized data to the target wearable device; when the storage status is full, refuse to send multiple sets of personalized data to the target wearable device.

Specifically, the electronic device may obtain a full load status value representing the storage status of the target secure element, and judge the storage status of the target secure element according to the full load status value. When the full load state value represents full load, determine that the storage state is a full load state, and when the full load state value represents an unsatisfactory state, determine that the storage state is a downloadable state.

Thus, the embodiment of the present invention can query the storage status of the target security element of the target wearable device, and send multiple sets of personalized data to the target wearable device on the premise that the target wearable device can be downloaded, so as to improve the reliability of starting the target. The reliability of the NFC payment function of wearable devices.

In some embodiments of the present invention, when sending the tag generation request to the target server Afterwards, the information processing method may further include: receiving the payment card account number to be changed input by the user; querying the target payment mark corresponding to the target wearable device; generating an account change request according to the target payment mark and the payment card account number to be changed; The server sends an account change request; 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 bound payment card account number for the target wearable device, the user can enter the payment card account number to be changed for the target wearable device in the application interface of the financial application program, and the electronic device can mark the payment according to the target and the payment card account number 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 token.

Wherein, the method for the TSP platform server to change the payment card account number stored in association with the target payment token 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: acquiring the payment card type of the payment card account number to be changed and the target payment card type of the target payment card account number; correspondingly Querying the target payment token corresponding to the target wearable device may specifically include: in the case that the payment card type to be changed is the same as the target payment card type, querying the target payment token corresponding to the target wearable device.

When changing the bound bank account for the target wearable device, the payment card type of the payment card account to be changed that the user wants to change may be different from the target payment of the target payment card account bound for the target wearable device. The card type is the same or different due to different payment cards The type corresponds to different personalization data. Therefore, it is necessary to first obtain the payment card type of the payment card account to be changed and the target payment card type of the target payment card account, and then determine whether the payment card type to be changed is the same as the target payment card type. If they are the same, the target payment token corresponding to the target wearable device can be queried, and the payment card account number stored in the TSP platform server associated with the target payment token can be directly changed to the payment card account number 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: comparing the payment card type to be changed and the target payment card type If not, generate a tag change request based on the payment card account number to be changed; send a tag change request to the target server; where the tag change request is used to make the target server generate a payment tag to be changed corresponding to the payment card account number to be changed , and the payment token to be changed is used as the new target payment token, and the payment card account number to be changed is used as the new target payment card account number.

Specifically, if the payment card type to be changed is not the same as the target payment card type, a mark change request can be generated according to the payment card account number to be changed, and the mark change request is sent to the TSP platform server, so that the TSP platform server will The payment card account number is used as the new target payment card account number, and a new target payment token corresponding to the new target payment card account number is generated, and then the new target payment token is fed back 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: receiving the payment card account number to be changed input by the user; generating 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 make the target server generate the payment mark to be changed corresponding to the payment card account number to be changed, and use the payment mark to be changed as the new target payment mark, and set the payment mark to be changed Change the payment card account number as the new target payment card account number.

Specifically, regardless of whether the type of the payment card to be changed is the same as the type of the target payment card, 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 number to be changed is used as the new target payment card account number, and a new target payment token corresponding to the new target payment card account number is generated, and then the new target payment token is fed back to the electronic device.

Optionally, after sending the token change request to the target server, the information processing method may further include: receiving the target payment token sent by the target server; sending the target payment token and the activation instruction corresponding to the target payment token to the target wearable device ; Wherein, the activation instruction is used to enable the target wearable device to load the target payment token into the target personalization data corresponding to the target payment token stored in the target secure element, and activate the loaded target payment token to an 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 flag loaded in the target personalization data to the activation state; and send the activation result to the target server.

After the electronic device sends a token change request to the TSP platform server, it can receive the new target payment token sent by the TSP platform server, and send the new target payment token and the start instruction corresponding to the new target payment token to the target wearable equipment, so that the target wearable device loads the target payment token into the target personalization data corresponding to the target payment token stored in the target security element, and activates the loaded target payment token to the activated state, and then receives the target payment token The activation result fed back by the wearable device is forwarded to the TSP platform server, so that the TSP platform server sets the target token state of the new target payment token as the activation state.

In some embodiments, when the new target payment card account number bound to the target wearable device is the same as the payment card type of the original target payment card account, the target payment token corresponding to the target payment token stored in the target secure element Load the new target payment token in your personalization profile, The original target payment token can be directly covered by the new target payment token.

In some other embodiments, when the payment card type of the new target payment card account bound to the target wearable device is not the same as that of the original target payment card account, when starting the new target personalization data and the new target After the payment mark, the original target personalization data and the original target payment mark should also be set to inactive state or the original target payment mark in the original target personalization data should be deleted, so that only one of the target wearable devices is in the active state Target pays tokens for .

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

Fig. 7 shows a schematic flowchart of the process of activating the payment function provided by an embodiment of the present invention. As shown in Figure 7, the process of enabling the payment function includes: S701. The user opens the application interface of the financial application program, selects the wearable device to enable the NFC payment function on the application interface of the financial application program, and makes the electronic device and the wearable device Complete Bluetooth pairing; S702, query the full load status value representing the storage status of eSE; S703, receive the full load status value, and judge the storage status of the eSE of the wearable device according to the full load status value; S704, if the storage status is a downloadable status, send to the target The eSE of the wearable device sends the loading data, wherein the loading data includes two sets of personalized data and a personalized data startup program, one set of personalized data corresponds to the type of credit card, and one set of personalized data corresponds to the type of debit card; S705. The user selects a bank card in the application interface as a 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 tag 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 request; S709. The TSP platform server responds to the token generation request, generates a payment token corresponding to the bank card account number, and associates and stores the bank card account number and the payment token; S710. The TSP platform server sends the bank card account number corresponding to the TSM platform server. S711, the TSM platform server sends the payment token corresponding to the bank card account number to the Internet financial platform server; S712, the Internet financial platform server stores the bank card account number and the payment token in association, and sends the bank card account number to the electronic device Corresponding payment token; S713, the electronic device sends to the wearable device a payment token and an activation instruction corresponding to the bank card type of the preset card; S714, the personalized data activation program in the eSE of the target wearable device executes the activation instruction, and the payment Writing the mark into the personalization data corresponding to the bank card type and activating the personalization data to activate the payment mark, and sending the activation result to the electronic device after the activation is completed; S715, the electronic device sends the activation result to the Internet finance platform server; S716, the Internet financial platform server sends the activation result to the TSM platform server; S717, the TSM platform server sends the activation result to the TSP platform server; S718, the TSP platform server responds to the activation result, and sets the marking state of the payment token to Start 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 NFC payment function of the target wearable device pays successfully.

Figure 8 shows the process of modifying and binding payment card account number provided by one embodiment of the present invention. Schematic diagram of the process. As shown in Figure 8, the process of modifying and binding a 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 a new preset card. Set the bank card account number to be changed corresponding to the card, and generate a mark change request according to the bank card account number to be changed; S802, the electronic device sends a mark change request to the server of the Internet finance platform; S803, the server of the Internet finance platform sends a request to the server of the TSM platform Mark change request; S804, the TSM platform server sends a mark change request to the TSP platform server; S805, the TSP platform server responds to the mark change request, generates a payment mark to be changed corresponding to the bank card account number to be changed, and sends the bank card to be changed The card account number is used as the new bank card account number, and the payment token to be changed is used as the new payment token, and the new bank card account number and the new payment token are associated and stored; S806, the TSP platform server sends the new bank card to the TSM platform server The new payment token corresponding to the account number; S807, the TSM platform server sends the new payment token corresponding to the new bank card account number to the Internet finance platform server; S808, the Internet finance platform server sends the new bank card account number corresponding to the electronic device the new payment token; S809, the electronic device sends a new payment token and an activation instruction corresponding to the bank card type of the new preset card to the wearable device; S810, the personalized data in the eSE of the target wearable device starts program execution Start instruction, write the new payment token into the personalization data corresponding to the bank card type and activate the personalization data to start the new payment token, and send the startup result to the electronic device after the startup is completed; S811, the electronic device sends The Internet finance platform server sends the startup result; S812, the Internet finance platform server sends the startup result to the TSM platform server Result; S813, the TSM platform server sends the activation result to the TSP platform server; S814, the TSP platform server responds to the activation result, and the marking state of the new payment token is set to the activation state; S815, the TSP platform server sends the TSM platform The server sends the setting result; 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 to preset Card updated successfully.

Fig. 9 shows a schematic flowchart of the process of unbinding payment card accounts 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 generate 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 The platform server sends an unbinding request; S905, the TSP platform server responds to the unbinding request, obtains the payment token to be unbound in the unbinding request, and updates the marking status of the payment token to the unbinding state; S906, TSP The platform server sends the update result to the TSM platform server; S907, the TSM platform server sends the update result to the Internet finance platform server; S908, the Internet finance 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 has been unbound successfully. After the wearable device is successfully unbound, if the TSP platform server receives the After the transaction request corresponding to the payment token sent by the device, the transaction corresponding to the transaction request can be rejected when the flag status of the payment token is found to be unbound.

It should be noted that after the user clicks on the unbinding function, the marking state of the payment token stored in the TSP platform server can be updated to the unbinding state. The user can also click on the pause function to update the flag state of the payment token stored in the TSP platform server to the pause state. The user page can click the loss reporting function to update the marking status of the payment token stored in the TSP platform server to the loss 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 the user updates the status of the payment token stored in the TSP platform server to the status of unbinding, reporting loss and suspending, he can also click on the function of rebinding, canceling the function of reporting loss and restoring the function to make the TSP platform server The marking state of the payment token stored in the device is re-updated to the activated state, and the process is similar to the process of unbinding the payment card account number, which will not be repeated here.

Therefore, in the embodiment of the present invention, after changing the status of the payment token stored in the TSP platform server, there is no need to change the status of the payment token in the wearable device, nor to delete the payment token in the wearable device. , but when the wearable device is used for transactions, the transaction may fail due to the status of the payment token stored in the TSP platform server, and then the payment of the wearable device can be changed when the wearable device cannot communicate with the electronic device Bluetooth. state.

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

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

As shown in FIG. 10, the information processing apparatus 1000 may include: a first receiving module 1010, configured to receive a state change request sent by the target electronic device; The first parsing module 1020 is used to respond to the state change request, analyze the state change request, and obtain the state change request information; wherein, the state change request information includes the target payment mark and the target payment status 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 token is stored in the target security element of the target wearable device; the first processing module 1030 is used to update the target token state corresponding to the target payment token to the target Payment state; wherein, the target mark state 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 generated according to the target payment mark obtained from the target secure element.

In the embodiment of the present invention, after receiving the state change request sent by the target electronic device, it is possible to analyze the target payment token and the The target payment state of the target wearable device, and update the target mark state corresponding to the target payment mark to the target payment state, so as to use the target mark state corresponding to the target payment mark to represent the target payment state of the target wearable device, and realize the utilization of the target The method of updating the target token state corresponding to the payment token updates the target payment state of the target wearable device, and then when receiving a transaction request generated according to the target payment token obtained from the target secure element of the target wearable device, it can Determine whether to execute the transaction corresponding to the transaction request according to the target mark state 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 loss of the wearable device. 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 some embodiments of the present invention, the information processing apparatus 1000 may further include: a third receiving module, configured to receive the transaction request sent by the target acquiring device; wherein, the transaction request is received from the target secure element by the target acquiring device The acquired target payment token is generated; the second analysis module is used to respond to the transaction request and analyze the transaction request, Obtain transaction request information; wherein, the transaction request information includes the target payment token; the second query module is used to query the target token status corresponding to the target payment token; the third processing module is used for the case where the target token status is an abnormal state Next, refuse to execute the transaction corresponding to the transaction request.

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

In some embodiments of the present invention, the information processing device 1000 may further include: a fourth processing module, configured to generate transaction feedback information corresponding to the transaction request according to the status of the target mark; a second sending module, configured to receive Single device sends transaction feedback information.

In some embodiments of the present invention, the information processing apparatus 1000 may further include: a fourth receiving module, configured to receive a tag generation request sent by the target electronic device; a third parsing module, configured to respond to the tag generation request, to Parse the tag generation request to obtain tag generation request information; wherein, the tag generation request information includes the target payment card account number; the fifth processing module is used to generate the target payment tag according to the target payment card account number; the first storage module uses It is used for associating and storing the target payment card account number and the target payment token.

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; a fourth parsing module, configured to respond to the account change request, to The account change request is analyzed to obtain the 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 to store the payment card account number to be changed as the new target payment card account number.

In some embodiments of the present invention, the information processing device 1000 may also include: The sixth receiving module is used to receive the tag change request sent by the target electronic device; the fifth parsing module is used to respond to the tag change request, analyze the tag change request, and obtain the tag change request information; wherein, the tag change request Including the payment card account number to be changed; the sixth processing module is used to generate the 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 to store the payment token to be changed as a new target payment token.

In some embodiments of the present invention, the information processing apparatus 1000 may further include: a third sending module, configured to send the target payment token to the target electronic device, so that the target electronic device sends the target payment token and the target wearable device to the target wearable device. An activation instruction corresponding to the payment token; wherein, the activation instruction is used to enable the target wearable device to load the target payment token into the target personalization data corresponding to the target payment token stored in the target security element, and to load the target payment token Mark activation as the activation 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 information as Activation state; the fourth update module is used to set the state of the target token corresponding to the target payment token as the activation state in response to the activation result.

It should be noted that the information processing device 1000 shown in FIG. 10 can execute each step in the method embodiment shown in FIG. 5 , and realize each process and effect 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 device provided by another embodiment of the present invention.

In some embodiments of the present invention, the device shown in FIG. 11 can be shown in FIGS. 1 to 4 The electronic device 120 shown in FIG. 1 may also be a functional module in the electronic device 120 shown in FIGS. 1 to 4 .

As shown in Figure 11, the information processing apparatus 1100 may include: a second receiving module 1110, 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 device; the first query module 1120, used to query the target payment token corresponding to the target wearable device; wherein, the target payment token is the payment token stored in the target security element of the target wearable device; the second processing module 1130, It is used to generate a status change request according to the target payment mark and the target payment status; the first sending module 1140 is used to send the status change request to the target server; wherein, the status change request is used to transfer the target payment status stored in the target server The target tag status corresponding to the tag is updated to 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. The transaction request is based on the information obtained from the target secure element. The target pay token for is generated.

In the embodiment of the present invention, after receiving the target payment status of the bound target wearable device input by the user, according to the target payment token stored in the target secure element of the target wearable device and the target wearable device's Target payment status, generate a status change request, and send a status change request to the target server, so that the target server will update the target status corresponding to the target payment status to the target payment status, so as to utilize the target status of the target payment status Indicates the target payment status of the target wearable device, and realizes updating the target payment status of the target wearable device by updating the target payment status of the target payment tag, and then when receiving the transaction request corresponding to the target payment tag, it can be based on The target tag status of the target payment tag determines whether to execute the transaction corresponding to the transaction request, thus, the target payment status of the target wearable device can be updated through the target electronic device bound to the target wearable device, so as to avoid loss of the wearable device. Finally, 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 High user's bank account security.

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

In some embodiments of the present invention, the information processing device 1100 may further include: an eighth receiving module, configured to receive the target payment card account number input by the user; a seventh processing module, configured to generate A token generation request; a fourth sending module, configured to send a token generation request to the target server; wherein, the token generation request is used to make the target server generate a target payment token corresponding to the target payment card account number.

In some embodiments of the present invention, the information processing apparatus 1100 may also include: a ninth receiving module, configured to receive the payment card account number to be changed input by the user; a third query module, configured to query the corresponding The target payment mark; 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 to send the account change request to the target server; wherein, the account change The request is used to make the target server store the payment card account number to be changed as the new target payment card bank account number.

In some embodiments of the present invention, the information processing device 1100 may also include: a first acquisition module, configured to acquire the payment card type of the payment card account number to be changed and the target payment card type of the target payment card account number; wherein, The third query module can be specifically used to: query the target payment mark corresponding to the target wearable device when the type of the payment card to be changed is the same as the type of the target payment card.

In some embodiments of the present invention, the information processing device 1100 may further include: a ninth processing module, configured to generate an mark change requests; The sixth sending module is used to send a tag change request to the target server; wherein, the tag change request is used to make the target server generate a payment tag to be changed corresponding to the payment card account number to be changed, and use the payment tag to be changed as a new Target pays markup.

In some embodiments of the present invention, the information processing apparatus 1100 may further include: a tenth receiving module, used to receive the target payment token sent by the target server; a seventh sending module, used to send the target payment token to the target wearable device. The activation instruction corresponding to the payment token and the target payment token; wherein, the activation instruction is used to enable the target wearable device to load the target payment token into the target personalization data corresponding to the target payment token stored in the target secure element, and to The entered target payment mark is activated as 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 loaded the target personalization data The start of the target payment flag is the start state; the eighth sending module is used to send the start result to the target server.

In some embodiments of the present invention, the information processing apparatus 1100 may also include: a ninth sending module, configured 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 acquisition module is used to acquire the target payment card type of the target payment card account corresponding to the target payment token; wherein, the seventh sending module can be specifically used to: send the target payment token and the target payment card to the target wearable device An activation command corresponding to the type; wherein, the target personalization data is the personalization data corresponding to the target payment card type.

It should be noted that the information processing device 1100 shown in FIG. 11 can execute each step in the method embodiment shown in FIG. 6 , and realize each process and effect 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 device 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 integrated circuits of 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 (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 (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. Under appropriate circumstances, the memory 1202 can be inside or outside the comprehensive gateway disaster recovery device. In a particular embodiment, memory 1202 is a non-volatile solid-state memory. In a specific embodiment, the memory 1202 includes a read-only memory (Read-Only Memory, ROM). Where appropriate, the ROM may be mask programmed ROM, programmable ROM (Programmable Read-Only Memory, PROM), erasable PROM (Erasable Programmable Read Only Memory, EPROM), electrically erasable PROM (Electrically Erasable Programmable Read Only Memory, EEPROM), Electrically Rewritable ROM (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-mentioned embodiments.

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

The communication interface 1203 is mainly used to realize the communication between various modules, devices, units and/or equipment in the embodiment of the present invention.

The bus 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 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (Front Side Bus) , FSB), HyperTransport (Hyper Transpor, HT) interconnect, Industry Standard Architecture (Industry Standard Architecture, ISA) bus, infinite bandwidth interconnect, low pin count (Low Pin Count, LPC) bus, memory Bus, Micro Channel Architecture (MCA) bus, Peripheral Component Interconnect (PCI) bus, PCI-Express (PCI-X) bus, 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. Bus bar 1210 may include one or more bus bars, where appropriate. Although the embodiments of the invention describe and illustrate particular bus bars, the invention contemplates any suitable bus bars or interconnects.

The information processing device can execute the information processing method in the embodiment of the present invention, so as to realize the information processing method and device described in conjunction with FIG. 5 to FIG. 11 .

In addition, in combination with the information processing method in the foregoing embodiments, the embodiments of the present invention may provide a computer-readable storage medium for implementation. The computer-readable storage medium stores computer program instructions; when the computer program instructions are executed by a processor, any one of the information processing device methods in the above-mentioned embodiments is realized.

It is to be understood that the invention is not limited to the specific arrangements and processes described above and shown in the drawings. For conciseness, detailed descriptions of known methods are omitted here. In the above 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 understanding the spirit of the present invention.

The functional blocks shown in the above-mentioned structural block diagrams can be implemented as hardware, software, firmware or a combination of them. When implemented in hardware, it may be, for example, an electronic circuit, an Application Specific Integrated Circuit (ASIC), appropriate firmware, a plug-in program, a function card, and the like. When implemented in software, the elements of the invention are the programs or code segments used to perform the required tasks. Programs or program code segments may 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. "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 (Radio Frequency, RF) link, and so on. Code snippets may be downloaded via computer networks such as the Internet, Intranet, and 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 executed sequentially as mentioned in the embodiment, or may be different from the order in the embodiment, or several steps may be executed simultaneously.

The above is only a specific implementation 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 system, modules and units described above can be implemented by referring to the aforementioned method 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 thereto, and any person skilled in the art can easily think of various equivalent modifications or replacements within the technical scope disclosed in the present invention, and these modifications or replacements should all be covered in within the protection scope of the present invention.

S510,S520,S530: steps

Claims (20)

An information processing method applied to a TSP platform server of a payment tokenization service system, comprising: receiving a state change request sent by a target electronic device; responding to the state change request, parsing the state change request to obtain a state change request Information; wherein, 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 wearable device The target payment token is stored in the target security element; the target token state corresponding to the target payment token is updated to the target payment state; wherein, the target token state is used to receive the target payment token corresponding to When determining whether to execute the transaction corresponding to the transaction request, the transaction request is generated according to the target payment token acquired from the target secure element. The method according to claim 1, wherein the method further includes: receiving a transaction request sent by the target acquiring device; wherein, the transaction request is based on the target acquiring device obtained from the target secure element The target payment token is generated; responding to the transaction request, parsing the transaction request to obtain transaction request information; wherein, the transaction request information includes the target payment token; querying the target payment token corresponding The target flag state; when the target flag state is an abnormal state, refuse to execute the transaction corresponding to the transaction request. The method according to claim 2, wherein the abnormal state includes any one of a suspended state, a lost report 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, before receiving the state change request sent by the target electronic device, the method further includes: receiving a tag generation request sent by the target electronic device; responding to the tag generation request, Analyzing the tag generation request to obtain tag generation request information; wherein, the tag generation request information includes a target payment card account number; generating the target payment tag according to the target payment card account number; The account number is stored in association with the target payment token. The method according to claim 5, wherein, after associating and storing the target payment card account number and the target payment token, the method further includes: receiving an account change request sent by the target electronic device; responding to For 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 payment card account number to be changed Stored as the new target payment card account number. The method according to claim 5, wherein, after the target payment card account number and the target payment mark are associated and stored, the method further includes: receiving a mark change request sent by the target electronic device; responding to For the flag change request, analyze the flag change request to obtain the flag change request information; wherein, the flag change request includes the payment card account number to be changed; and generate the payment card account number to be changed according to the payment card account number to be changed. mark; store the payment card account number to be changed as a new target bank account number; store the payment mark to be changed as a new target payment mark. The method according to claim 5 or 7, wherein the method further includes: sending the target payment token to the target electronic device, so that the target electronic device sends the target payment token to the target wearable device A start instruction corresponding to the payment mark and the target payment mark; wherein, the start instruction is used to make the target wearable device pay the target The payment mark is loaded in the target personalization data corresponding to the target payment mark stored in the target security element, and the loaded target payment mark is activated as an activated state; receiving the target electronic device sent Activation result; wherein, the activation result is used to indicate that the target wearable device has activated the target payment flag loaded in the target personalization data into an activation state; in response to the activation result, the The target mark state corresponding to the above target payment mark is set to the start state. An information processing method applied to an electronic device, comprising: receiving a target payment status of a target wearable device input by a user; wherein the target wearable device is a bound wearable device; querying the target wearable device The corresponding target payment token; wherein, the target payment token is the payment token stored in the target security element of the target wearable device; according to the target payment token and the target payment state, a state change request is generated; The server sends the state change request; wherein, the state change request is used to update the target token state corresponding to the target payment token stored in the target server to the target payment state, and the target token state is used 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 based on the target payment token obtained from the target security element generate. The method according to claim 9, wherein the target payment state includes any one of a suspended state, a lost report 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 includes: receiving the target payment card account number input by the user; A payment card account, generating a tag generation request; sending the tag generation request to the target server; wherein, the tag generation request is used to make the target server generate the target payment corresponding to the target payment card account mark. The method according to claim 11, wherein said sending said After the tag generation request, the method further includes: receiving the payment card account number to be changed input by the user; querying the target payment tag corresponding to the target wearable device; Change the payment card account number, generate an account change request; send 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 querying the target payment mark corresponding to the target wearable device, the method further includes: acquiring the payment card type and the payment card type of the payment card account number to be changed The target payment card type of the target payment card account; wherein, the querying the target payment mark corresponding to the target wearable device includes: when the payment card type to be changed is the same as the target payment card type In other cases, the target payment mark corresponding to the target wearable device is queried. The method according to claim 13, wherein, after acquiring the payment card type to be changed corresponding to the payment card account number to be changed and the target payment card type corresponding to the target payment card account number, the method further includes: When the type of the payment card to be changed is different from the type of the target payment card, a flag change request is generated according to the account number of the payment card to be changed; and the flag change request is sent to the target server; wherein, the The tag change request is used to make the target server generate a payment tag to be changed corresponding to the payment card account number to be changed, and use the payment tag to be changed as a new target payment tag. The method according to claim 11 or 14, wherein the method further includes: receiving the target payment token sent by the target server; sending the target payment token and the target payment token to the target wearable device A startup instruction corresponding to the payment token; wherein, the startup instruction is used to make the target wearable device load the target payment token into the target corresponding to the target payment token stored in the target security element. marked in the personalized information, and activate the loaded target payment flag 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 activating the target payment token loaded in the target personalization data 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 includes: sending multiple sets of personalized data to the target wearable device; wherein, each set A payment card type corresponding to the personalization data; wherein, before sending the target payment token and the activation instruction corresponding to the target payment token to the target wearable device, the method further includes: acquiring the The target payment card type of the target payment card account number corresponding to the target payment mark; the sending the start instruction corresponding to the target payment mark and the target payment mark to the target wearable device includes: sending to the target wearable device Sending the activation instruction corresponding to the target payment mark and the target payment card type; wherein, the target personalization data is the personalization data corresponding to the target payment card type. An information processing device, applied to a TSP platform server of a payment tokenization service system, comprising: a first receiving module for receiving a state change request sent by a target electronic device; a first parsing module for responding to the state change request, analyzing 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 status of the target wearable device, and the target wearable device is the same as the target wearable device The wearable device bound to the target electronic device, the target payment token is stored in the target security element of the target wearable device; the first processing module is used to update the target token state corresponding to the target payment token to The target payment status; wherein the target token status is used to Determining whether to execute the transaction corresponding to the transaction request when marking the corresponding transaction request, the transaction request is generated according to the target payment token acquired from the target security element. An information processing device, applied to electronic equipment, comprising: a second receiving module, configured to receive a target payment status of a target wearable device input by a user; wherein, the target wearable device is a bound wearable device ; The first query module is used to query the target payment token corresponding to the target wearable device; wherein, the target payment token is the payment token stored in the target security element of the target wearable device; the second processing module , for generating a state change request according to the target payment token and the target payment state; a first sending module, for sending the state change request to the target server; wherein, the state change request is used to The target token status corresponding to the target payment token stored in the target server is updated to the target payment status, and the target token status is used for receiving a transaction request corresponding to the target payment token at the target server When determining whether to execute the transaction corresponding to the transaction request, the transaction request is generated according to the target payment token acquired from the target secure element. An information processing device, characterized in that the device includes: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, it realizes any one of claims 1-16 information processing methods. A computer-readable storage medium, characterized in that computer program instructions are stored on the computer-readable storage medium, and when the computer program instructions are executed by a processor, the information described in any one of request items 1-16 is realized Approach.

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