WO2022016843A1 - 信息处理方法、装置、设备及介质 - Google Patents

信息处理方法、装置、设备及介质 Download PDF

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Publication number
WO2022016843A1
WO2022016843A1 PCT/CN2021/073115 CN2021073115W WO2022016843A1 WO 2022016843 A1 WO2022016843 A1 WO 2022016843A1 CN 2021073115 W CN2021073115 W CN 2021073115W WO 2022016843 A1 WO2022016843 A1 WO 2022016843A1
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Prior art keywords
target
payment
mark
wearable device
state
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PCT/CN2021/073115
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English (en)
French (fr)
Inventor
詹成初
蒋海俭
邹震中
林晋任
刘刚
才华
章政
Original Assignee
中国银联股份有限公司
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Application filed by 中国银联股份有限公司 filed Critical 中国银联股份有限公司
Priority to AU2021311260A priority Critical patent/AU2021311260B2/en
Priority to JP2022543428A priority patent/JP7432738B2/ja
Publication of WO2022016843A1 publication Critical patent/WO2022016843A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems

Definitions

  • the present disclosure belongs to the field of communication technologies, and in particular, relates to an information processing method, apparatus, device and medium.
  • NFC Near Field Communication
  • the wearable device Although the user can use the wearable device for more convenient payment operations, after the wearable device is lost, the user cannot change the payment status of the wearable device, resulting in the risk of the bank account associated with the wearable device being stolen, thereby reducing the risk of fraudulent use. the security of the user's bank account.
  • Embodiments of the present disclosure provide an information processing method, apparatus, device, and medium, which can solve the problem that the user cannot change the payment status of the wearable device after the wearable device is lost.
  • an embodiment of the present disclosure provides an information processing method, including:
  • the state change request is parsed to obtain state change request information.
  • the state change request information includes 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. Wearable device, the target payment token is stored in the target secure element of the target wearable device;
  • the acquired target payment token is generated.
  • an embodiment of the present disclosure provides an information processing method, including:
  • the target wearable device is a bound wearable device
  • the target payment mark is the payment mark stored in the target secure element of the target wearable device
  • Send a state change request to the target server where 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 to receive the target payment token corresponding to the target server at the target server.
  • the transaction request is made, it is determined whether to execute the transaction corresponding to the transaction request, and the transaction request is generated according to the target payment mark obtained from the target secure element.
  • an information processing apparatus including:
  • a first receiving module configured to receive a state change request sent by the target electronic device
  • the first parsing module is used to parse the state change request in response to the state change request to obtain state change request information, where the state change request information includes the target payment mark and the target payment state of the target wearable device, and the target wearable device is the same as that of the target wearable device.
  • the wearable device bound to the target electronic device, and the target payment mark is stored in the target secure element of the target wearable device;
  • the first processing module is used to update the target mark state corresponding to the target payment mark to the target payment status, wherein the target mark status is used to determine whether to execute the transaction corresponding to the transaction request when receiving the transaction request corresponding to the target payment mark.
  • the request is generated based on the target payment token obtained from the target secure element.
  • an information processing apparatus including:
  • the second receiving module is configured to receive the target payment status of the target wearable device input by the user, where the target wearable device is a bound wearable device;
  • a first query module configured to query the target payment mark corresponding to the target wearable device, and the target payment mark is the payment mark stored in the target security element of the target wearable device;
  • the second processing module is used to generate a state change request according to the target payment mark and the target payment state;
  • the first sending module is used to send a state change request to the target server, wherein the state change request is used to update the target mark state corresponding to the target payment mark stored in the target server to the target payment status, and the target mark state is used for the target server.
  • the state change request is used to update the target mark state corresponding to the target payment mark stored in the target server to the target payment status
  • the target mark state is used for the target server.
  • embodiments of the present disclosure provide an information processing device, the device comprising: a processor and a memory storing computer program instructions;
  • the information processing method according to the first aspect or the second aspect is implemented when the processor executes the computer program instructions.
  • an embodiment of the present disclosure provides a computer-readable storage medium, where computer program instructions are stored on the computer-readable storage medium, and when the computer program instructions are executed by a processor, the implementation of the first aspect or the second aspect is implemented information processing method.
  • the information processing method, device, device, and medium of the embodiments of the present disclosure can, after receiving the state change request sent by the target electronic device, parse the target secure element of the target wearable device bound to the target electronic device in the state change request
  • the target payment mark and the target payment state of the target wearable device stored in the The target payment status is to update the target payment status of the target wearable device by using the method of updating the target mark status corresponding to the target payment mark.
  • FIG. 1 is an architectural diagram of an example of information processing according to an embodiment of the information processing method of the first aspect of the present disclosure
  • FIG. 2 is an architectural diagram of another example of information processing according to an embodiment of the information processing method of the first aspect of the present disclosure
  • FIG. 3 is an architectural diagram of another example of information processing according to an embodiment of the information processing method of the first aspect of the present disclosure
  • FIG. 4 is an architectural diagram of still another example of information processing according to an embodiment of the information processing method of the first aspect of the present disclosure
  • FIG. 5 is a schematic flowchart of an embodiment of the information processing method of the first aspect of the present disclosure
  • FIG. 6 is a schematic flowchart of another embodiment of the information processing method of the first aspect of the present disclosure.
  • FIG. 7 is a schematic flowchart of a process of enabling a payment function in an embodiment of the information processing method of the first aspect of the present disclosure
  • FIG. 8 is a schematic flowchart of a process of modifying and binding a payment card account in an embodiment of the information processing method of the first aspect of the present disclosure
  • FIG. 9 is a schematic flowchart of a process of unbinding a payment card account according to an embodiment of the information processing method of the first aspect of the present disclosure
  • FIG. 10 is a schematic structural diagram of an embodiment of an information processing apparatus according to the second aspect of the present disclosure.
  • FIG. 11 is a schematic structural diagram of another embodiment of an information processing apparatus according to the second aspect of the present disclosure.
  • FIG. 12 is a schematic diagram of a hardware structure of an embodiment of an information processing device according to the third aspect of the present disclosure.
  • the information processing method provided by the present disclosure can be applied to the architectures as shown in FIG. 1 to FIG. 4 , and will be described in detail with reference to FIGS. 1 to 4 .
  • FIG. 1 is an architectural diagram of an example of information processing according to an embodiment of the information processing method of the first aspect of the present disclosure.
  • 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.
  • TSP payment tokenization service system
  • the wearable device 110 may be a portable device that can be worn by the user, or integrated into the user's clothing or accessories, such as a smart bracelet, smart watch, smart sports shoes, smart clothing, smart glasses, smart helmet, For 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 for managing and verifying payment tokens (Tokens).
  • the TSP platform server 140 may be a cloud server or a server cluster and other devices with storage and computing functions.
  • each electronic device 120 can be respectively bound with at least one wearable device 110 and perform wireless communication, so that data transmission can be performed between the electronic device 120 and the wearable device 110 bound thereto through wireless communication.
  • the wireless communication may be short-range wireless communication, eg, Bluetooth, wireless local area network (Wireless Fidelity, WIFI).
  • Each electronic device 120 may also communicate with the TSP platform server 140, respectively, for causing the TSP platform server 140 to change the token status corresponding to the payment token stored in the secure element of the wearable device 110 bound to it, wherein the payment token There is a one-to-one correspondence with the payment card account number.
  • Each acquiring 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 can make the payment token according to the payment token.
  • the corresponding payment status verifies the payment flag, and determines whether to execute the transaction corresponding to the transaction request according to the verification result.
  • the payment token stored in the wearable device may be a string generated according to a payment card account number bound to the wearable device.
  • the specific method for the electronic device 120 to make the TSP platform server 140 change the tag state corresponding to the payment tag stored in the secure element of the wearable device 110 bound to it is as follows:
  • the electronic device 120 first receives the payment status of its bound specified wearable device 110 input by the user, and then queries the payment token stored in the secure element of the specified wearable device 110, and then according to the queried payment token and the user input According to the payment status, a status change request is generated, and finally the status change request is sent to the TSP platform server 140 .
  • the TSP platform server 140 can parse the received state change request to obtain the payment flag and payment state carried in the state change request, and, in the state change request
  • the tag status corresponding to the carried payment tag is updated to the payment status carried in the state change request, and further, when a transaction request generated according to the payment tag carried in the state change request is received, it can be determined according to the tag status corresponding to the payment tag Whether to execute the transaction corresponding to the transaction request.
  • the wearable device since the wearable device has the NFC payment function, when the wearable device performs payment, the acquiring device 130 can directly read the payment mark stored in the wearable device, and send the payment to the wearable device.
  • the TSP platform server sends a transaction request generated according to the payment tag, so that the TSP platform server determines whether to execute the transaction corresponding to the transaction request according to the payment status corresponding to the payment tag carried in the transaction request. If it is determined to execute the transaction, the transaction can be completed according to the payment token, so the wearable device can realize the payment function without being connected to the Internet.
  • the secure element may be an embedded Secure Element (eSE) to improve the security of the payment token.
  • eSE embedded Secure Element
  • FIG. 2 is an architectural diagram of another example of information processing according to an embodiment of the information processing method of the first aspect of the present disclosure.
  • 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 , which will not be repeated here.
  • the Internet financial platform server 150 may be used to provide Internet financial services, and the acquiring platform server 160 may be used to provide acquiring services.
  • the Internet financial platform server 150 and the acquiring platform server 160 may be cloud servers or server clusters, respectively, with storage and computing capabilities. functional device.
  • a financial application program corresponding to an Internet financial platform may be installed in the electronic device 120, and 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 specified wearable device 110 bound to him in the application interface of the financial application program, and then the electronic device 120 can query the secure element of the specified wearable device 110 from the Internet financial platform server 150.
  • the stored payment token then generates a state change request according to the queried payment token and the payment state input by the user, and finally sends the state 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 payment token stored in the secure element of the wearable device 110 through the acquiring application, and then send a transaction request carrying the read payment token to the TSP platform server 140 through the acquiring platform server 160 .
  • FIG. 3 is an architectural diagram of yet another example of information processing according to an embodiment of the information processing method of the first aspect of the present disclosure.
  • 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 (TSM) platform server 170.
  • TSP platform server 140 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 (TSM) platform server 170.
  • TSM Trusted Service Management
  • the principles of the wearable device 110 , the electronic device 120 , the acquiring device 130 , the TSP platform server 140 , the Internet financial platform server 150 and the acquiring platform server 160 are the same as those of the embodiment shown in FIG. Do repeat.
  • the TSM platform server 170 may be used to implement secure forwarding of information, and the TSM platform server 170 may be a cloud server or a server cluster and other devices with storage and computing functions. Specifically, the TSM platform server 170 may communicate with the TSP platform server 140 through a trusted channel, so as to further improve the security of information transmission.
  • the internet finance platform server 150 and the acquiring platform server 160 may communicate with the TSM platform server 170, respectively.
  • the Internet finance platform server 150 may send the state change request to the TSM platform server 170, and then the TSM platform server 170 sends the request to the TSP platform server 140 through a trusted channel.
  • the acquiring platform server 160 may send the transaction request to the TSM platform server 170, and then the TSM platform server 170 sends the transaction request to the TSP platform server 140 through a trusted channel.
  • FIG. 4 is an architectural diagram of yet another example of information processing in the embodiment of the information processing method of the first aspect of the present disclosure.
  • 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 Issuer Server 180.
  • the principles of the wearable device 110 , the electronic device 120 , the acquiring device 130 , the TSP platform server 140 , the Internet financial platform server 150 , the acquiring platform server 160 and the TSM platform server 170 are the same as the embodiment shown in FIG. 3 . are the same, and will not be repeated here.
  • the TSP platform server 140 can obtain the acquiring device identifier and the transaction amount carried in the transaction request, and inquire about the payment card account number stored in association with the payment mark, and the payment account number is the same as the available payment number.
  • the payment account bound to the wearable device and then send the acquired identification of the acquiring device, the transaction amount and the payment account to the card issuer server 180, so that the card issuer server 180 completes the transaction corresponding to the transaction request, and transfers the transaction amount from the acquired payment account. Transfer to the payment account corresponding to the identification of the acquiring device, and then feed back the transaction completion result to the TSP platform server 140.
  • the TSP platform server 140 can send the transaction completion result to the sender through the TSM platform server 170 and the acquiring platform server 160 in turn.
  • the acquirer 130 for the transaction request is a transaction completion result from the sender through the TSM platform server 170 and the acquiring platform server 160 in turn.
  • the payment card account number may be a physical payment card account number or a virtual payment card account number.
  • the physical payment card account number may be a physical bank card account number
  • the virtual payment card account number may be an electronic bank card account number.
  • the payment token can be used to complete the transaction directly through the bank card account corresponding to the bank account bound to the wearable device.
  • FIG. 5 is a schematic flowchart of an embodiment of the information processing method of the first aspect of the present disclosure.
  • the method shown in FIG. 5 may be performed by the TSP platform server 140 shown in FIGS. 1 to 4 .
  • the information processing method may include
  • the target electronic device may be any electronic device that is communicatively connected to the TSP platform server and is installed with a financial application program corresponding to the Internet financial platform.
  • the status change request is used to request the TSP platform server to update the target payment status corresponding to the target payment mark specified by the user to the target payment status specified by the user.
  • the target payment state may include any one of an activated state, a suspended state, a reported loss state, and an unbound state.
  • the target payment state can be divided into a normal state and an abnormal state.
  • the abnormal state can include any one of the suspended state, the loss reporting state and the unbound state, and the normal state can include the activated state.
  • the active state means that the NFC payment function of the wearable device is activated and available.
  • the suspended state means that the NFC payment function of the wearable device has been activated and is in a suspended state.
  • the loss report state means that the NFC payment function of the wearable device has been activated and is in the loss report registration state. In the loss report state, the NFC payment function is suspended.
  • the unbound state means that the NFC payment function of the wearable device has been activated and the payment card account is not bound. In the unbound state, the NFC payment function is also suspended.
  • 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 with the Internet financial platform server and the TSM platform server in turn.
  • TSP platform server communication is not limited here.
  • the information processing method further includes S520.
  • S520 In response to the state change request, parsing the state change request to obtain state change request information.
  • the state change request information includes a target payment flag and a target payment state of the target wearable device
  • the target wearable device is a wearable device bound to the target electronic device
  • the target wearable device is stored in the target secure element There is a target payment mark.
  • the target wearable device is a wearable device whose payment status is to be changed specified by the user, and the target payment mark is the payment mark stored in the target secure element of the target wearable device pointed to by the user
  • the information processing method further includes S530 , updating the target mark state corresponding to the target payment mark to the target payment status.
  • the target tag status is used to determine whether to execute a transaction corresponding to the transaction request when a transaction request corresponding to the target payment tag is received, and the transaction request is generated according to the target payment tag acquired from the target secure element.
  • the TSP platform server may store the payment token and the token status corresponding to the payment token. For example, the TSP platform server may add a status bit to the payment token, and the status bit is provided with a status value, and a status value represents a payment state, and different state values represent different payment states.
  • the TSP platform server may determine the target state value corresponding to the target payment state, and set the status bit of the target payment flag to the target state value, so as to update the target flag state corresponding to the target payment flag Paid status for the target.
  • the payment mark can be stored in the personalized data
  • the TSP platform server can store the personalized data
  • the personalized data can be set with a status bit
  • the status bit can be set with a status value
  • a status The value represents one payment state
  • different state values represent different payment states.
  • the TSP platform server may determine the target state value corresponding to the target payment state, and set the state bit in the target personalized data to which the target payment flag belongs to the target state value, so as to realize the target state value.
  • the target token status corresponding to the payment token is updated to the target payment status.
  • the personalization data may be a personalization application identifier (AID), which is composed of a character string.
  • the personalization AID includes a general character string, a payment token, and a status value.
  • the payment token is also composed of characters String composition, payment tokens and state values can be placed after the generic string.
  • a generic string for a personalised AID could be: A000000333 010102 0063020000 01 0000.
  • the first 10 digits can be fixed strings, the 11-16 digits can be used to indicate the payment card type, such as debit card type 010101, credit card type 010102, quasi-credit card type 010103, 17-18 digits
  • It can indicate the application type, such as 00 for financial applications, 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, and the 29th- 32 bits can indicate the chip card type, such as 0000 for PBOC2.0 type and 1000 for PBOC3.0 type.
  • the TSP platform server can determine the payment status of the wearable device that stores the payment mark in the secure element according to the mark status corresponding to the payment mark, and then can determine whether to execute the payment status of the wearable device carrying the payment mark according to the payment status of the wearable device.
  • the transaction corresponding to the transaction request since a wearable device only stores one payment token in an activated state, different wearable devices store different payment tokens in an activated state, and the token state corresponding to the payment token is the same as the payment state , therefore, the TSP platform server can determine the payment status of the wearable device that stores the payment mark in the secure element according to the mark status corresponding to the payment mark, and then can determine whether to execute the payment status of the wearable device carrying the payment mark according to the payment status of the wearable device. The transaction corresponding to the transaction request.
  • the target electronic device after receiving the state change request sent by the target electronic device, it is possible to parse the state change request and parse the target payment tag and the target payment status of the target wearable device, and the target mark status corresponding to the target payment mark is updated to the target payment status, so that the target mark status corresponding to the target payment mark is used to represent the target payment status of the target wearable device, and the target payment status of the target wearable device is realized by using the target mark status corresponding to the target payment mark.
  • the method of updating the target mark state corresponding to the payment mark is to update the target payment status of the target wearable device, and then when receiving a transaction request generated according to the target payment mark obtained from the target security element of the target wearable device, it can be Whether to execute the transaction corresponding to the transaction request is determined according to the state of the target mark corresponding to the target payment mark, so that the payment status of the wearable device can be updated through the electronic device bound to the wearable device, so as to avoid the loss of the wearable device after the wearable device is lost.
  • the problem that the user cannot change the payment status of the wearable device thereby reducing the risk of the bank account associated with the wearable device being stolen, and improving the security of the user's bank account.
  • the information processing method may further include:
  • the target acquiring device may be any acquiring device that is communicatively connected to the TSP platform server and has an acquiring application program corresponding to the acquiring platform installed.
  • the user when using the target wearable device for payment, the user can read the target payment mark stored in the target secure element of the target wearable device through the target acquiring device, and the target acquiring device can The device's target acquirer identification and transaction amount generate a transaction request, and then send the transaction request to the TSP platform server.
  • the identification of the target acquiring device may be the Internet Protocol (Internet Protocol, IP) address of the identification of the target acquiring device, or may be the device identity (Identity document, ID) of the identification of the target acquiring device,
  • the device ID may be a device identification code.
  • the TSP platform server can receive the transaction request sent by the target acquiring device, and parse the transaction request to obtain the target payment mark, target acquiring device identification and transaction amount, and then query the target mark status corresponding to the target payment mark.
  • the TSP platform server can refuse to execute the transaction corresponding to the transaction request when the target mark status is abnormal; when the target mark status is normal, query the target payment card account number stored in association with the target payment mark, and assign the target payment
  • the card account number, the target acquiring device identifier and the transaction amount are sent to the card issuer server, so that the card issuer server completes the transaction corresponding to the transaction request, and transfers the transaction amount from the target payment card account number to the payment card account number corresponding to the target acquiring device identifier. Then the transaction completion result is fed back to the TSP platform server. After receiving the transaction completion result, the TSP platform server can forward the transaction completion result to the target acquiring device.
  • the target acquiring device can communicate directly with the TSP platform server, the target acquiring device can also communicate with the TSP platform server through the acquiring platform server, and the target acquiring device can also pass the acquiring platform server and TSM in turn.
  • the platform server communicates with the TSP platform server, which is not limited here.
  • the user can change the payment state of the wearable device to an abnormal state, so that the marked state of the payment mark corresponding to the wearable device can be changed to an abnormal state, so that the wearable device can be used again when the wearable device is used again.
  • the TSP platform server refuses to execute the transaction, so as to prevent the bank account associated with the wearable device from being stolen, and improve the security of the user's bank account.
  • the information processing method may further include:
  • the TSP platform server can generate transaction feedback information corresponding to the transaction request, so that the transaction feedback information carries the target mark state, and then sends the transaction feedback information to the target acquiring device.
  • the target acquiring device receives the transaction feedback information, it can display the target mark status carried by the transaction feedback information, so as to show the target payment status of the target wearable device to the transaction-related personnel (the payee or the payer), and inform the transaction related personnel. The reason why the person declined the transaction.
  • the information processing method may further include:
  • the mark generation request is parsed to obtain mark generation request information, and the mark generation request information includes the target payment card account number;
  • the target payment card account number and the target payment token are associated and stored.
  • the TSP platform server can receive the mark generation request sent by the target electronic device, and parse the mark generation request to obtain the target payment card account number, then generate the target payment mark corresponding to the target payment card account number, and combine the target payment card account number and the target payment card account number with the target payment card account number.
  • Target payment token associative storage can be used to store the mark generation request sent by the target electronic device.
  • the TSP platform server may generate a target payment mark corresponding to the target payment card account number by using a preset mark generation method.
  • the mark generation method may be to encrypt all numbers of the target payment card account number by using a preset encryption algorithm to obtain an encrypted encrypted character string, and use the encrypted character string as the target payment mark.
  • the mark generation method may be to use a preset encryption algorithm to encrypt part of the numbers of the target payment card account number to obtain an encrypted encrypted character string, and to splicing the unencrypted numbers of the target payment card account number and the encrypted character string to obtain: Target pay mark.
  • the information processing method may further include:
  • the target electronic device sends the target wearable device to the target wearable device and the activation instruction corresponding to the target payment mark, wherein the activation instruction is used to make the target wearable device load the target payment mark on the target in the target personalization data corresponding to the target payment mark stored in the secure element, and activate the loaded target payment mark to an active state;
  • the target token state corresponding to the target payment token is set to the activated state.
  • the TSP platform server may send the target payment mark to the target electronic device, so that the target electronic device determines the activation instruction corresponding to the target payment mark, and sends the target payment mark and the activation instruction corresponding to the target payment mark To the target wearable device, and causing the target wearable device to load the target payment mark into the target personalization data corresponding to the target payment mark stored in the target secure element, and activate the loaded target payment mark to an active state.
  • the target wearable device may send a message to the TSP platform server through the target electronic device to indicate that the target wearable device has loaded the target personalization data into the active state.
  • the target payment token is activated as the activation result of the activated state.
  • the TSP platform server After the TSP platform server receives the activation result sent by the target electronic device, it can set the target mark state corresponding to the target payment mark to the active state, thereby making the NFC payment function of the target wearable device available.
  • sending the target payment mark to the target electronic device may specifically include: sending the target payment card account number and the target payment mark to the target electronic device, so that the target electronic device determines the target payment card account number to which the target payment mark belongs, and then determines the target payment card account number to which the target payment mark belongs.
  • the target wearable device bound to the card account, and the activation instruction corresponding to the target payment card type of the target payment card account is determined.
  • the information processing method may further include:
  • the account change request In response to the account change request, analyze the account change request to obtain account change request information, where the account change request information includes the target payment mark and the payment card account number to be changed;
  • the TSP platform server can receive the account change request sent by the target electronic device, and parse the account change request to obtain the target account stored in the target secure element of the target wearable device whose payment card account number and bank account number are to be changed. payment mark, and then replace the existing target payment card account with the payment card account to be changed for storage, so that the payment card account to be changed is used as the new target payment card account, so that the new target payment card account and the target payment mark are associated and stored, To complete the update of the target bank account number stored in the TSP platform server in association with the target payment mark.
  • the association relationship between the target payment token and the original target payment card account number may be released, and a new association relationship between the target payment card account number and the target payment token may be established.
  • the new target payment card account number may also be used to directly overwrite the original target payment card account number.
  • the information processing method may further include:
  • mark change request parsing the mark change request to obtain mark change request information, where the mark change request includes the payment card account number to be changed;
  • a payment mark to be changed is generated
  • the TSP platform server can receive the mark change request sent by the target electronic device, and parse 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 account number of the payment card to be changed.
  • the payment card account number is used as the new target bank account number
  • the payment mark to be changed is used as the new target payment mark
  • the new target payment card account number and the new target payment mark are stored in association to complete the payment card stored in the TSP platform server. Updates to account and payment tokens.
  • the original target payment card account number once bound to the target wearable device and the target payment mark corresponding to the original target payment card account number may be retained or deleted, which is not limited herein.
  • the information processing method may further include:
  • the target electronic device sends the target wearable device to the target wearable device and the activation instruction corresponding to the target payment mark, wherein the activation instruction is used to make the target wearable device load the target payment mark on the target in the target personalization data corresponding to the target payment mark stored in the secure element, and activate the loaded target payment mark to an active state;
  • the target token state corresponding to the target payment token is set to an activated state, wherein the activated state is a normal state.
  • the TSP platform server may also send the target payment token to the target electronic device, so as to enable the target wearable device to activate the target payment token through the target electronic device, and Receive the activation result fed back by the target wearable device through the electronic device, and then set the mark state corresponding to the target payment mark to the active state. Since the specific process has been described in detail above, it is not repeated here.
  • FIG. 6 is a schematic flowchart of another embodiment of the information processing method according to the first aspect of the present disclosure.
  • the method shown in FIG. 6 may be performed by the electronic device 120 shown in FIGS. 1 to 4 .
  • the information processing method may include S610 , receiving a target payment state of a target wearable device input by a user, where the target wearable device is a bound wearable device.
  • the target wearable device can be any wearable device bound with 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, and the target payment status can be the payment of the target wearable device that the user wants to change. state.
  • the target payment state may include any one of an activated state, a suspended state, a reported loss state, and an unbound state.
  • the target payment state can be divided into a normal state and an abnormal state.
  • the abnormal state can include any one of the suspended state, the loss reporting state and the unbound state, and the normal state can include the activated state.
  • the information processing method further includes S620 , querying the target payment mark corresponding to the target wearable device.
  • the target payment indicia is a payment indicia stored within the target secure element of the target wearable device.
  • the electronic device may also store the wearable device identifier corresponding to at least one bound wearable device locally, The target wearable device identifier corresponding to the target wearable device is queried, and then the target payment mark stored in the target secure element of the target wearable device is queried according to the target wearable device identifier.
  • 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.
  • the electronic device when the electronic device has at least one payment token stored locally, the electronic device may query the target payment token stored in association with the target wearable device identifier in the locally stored at least one payment token.
  • the electronic device may generate a token query request according to the target wearable device identifier, and send the token query request to the payment token stored in the electronic device. the device, so that the device, in response to the identification query request, queries the electronic device for the target payment token stored in association with the target wearable device identification.
  • the device for storing the payment indicia may be the TSP platform server.
  • the device for storing the payment token may be the Internet financial platform server, that is, the Internet financial platform server may receive the TSP platform server after receiving the After the sent target payment token, the target payment token is stored.
  • the TSP platform server can also send the target bank account number and the target payment mark to the Internet financial platform server at the same time, so that the Internet financial platform server determines the target payment card account number to which the target payment mark belongs, and sends the target payment card account number and the target payment card account number to the target payment card account number.
  • Tag associative storage
  • the information processing method further includes S630 , generating a state change request according to the target payment flag and the target payment state.
  • 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.
  • the information processing method further includes S640 , sending a state change request to the target server.
  • the status 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
  • the target token status is used to determine when the target server receives a transaction request corresponding to the target payment token 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.
  • the target server may be the TSP platform server shown in FIG. 1 to FIG. 4 .
  • the method for the target server to update the target mark state corresponding to the target payment mark to the target payment status and the method for the target server to determine whether to execute the transaction corresponding to the transaction request have been described above and will not be repeated here.
  • the target payment mark stored in the target secure element of the target wearable device and the target wearable device's target Payment status after receiving the target payment status of the bound target wearable device input by the user, the target payment mark stored in the target secure element of the target wearable device and the target 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 updates the target mark status corresponding to the target payment mark stored in it to the target payment status, so as to use the target mark status of the target payment mark to indicate that the target is available.
  • the target payment status of the wearable device is used to update the target payment status of the target wearable device by updating the target payment status of the target payment mark, and then when a transaction request corresponding to the target payment mark is received, the target payment mark
  • the target mark state of the target wearable device determines whether to execute the transaction corresponding to the transaction request. Therefore, 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 the loss of the wearable device.
  • the problem that the payment status of the wearable device cannot be changed, thereby reducing the risk of the bank account associated with the wearable device being stolen, and improving the security of the user's bank account.
  • the information processing method may further include:
  • a mark generation request is sent to the target server, wherein the mark generation request is used to enable the target server to generate a target payment mark corresponding to the target payment card account number.
  • the user When binding the target bank account number to the target wearable device, the user can enter the target payment card account number to be bound to the target wearable device in the application interface of the financial application, and the electronic device can generate a mark according to the target payment card account number A request is generated, and then a tag generation request is sent to the TSP platform server, so that the TSP platform server generates a target payment tag corresponding to the target payment card account in response to the tag generation request.
  • the method for the TSP platform server to generate the target payment mark corresponding to the target payment card account number has been described above, and will not be repeated here.
  • the user can complete the binding setting of the target wearable device and the target payment card account.
  • the information processing method may further include:
  • the target wearable device Sending the target payment mark and the activation instruction corresponding to the target payment mark to the target wearable device, wherein the activation instruction is used to make the target wearable device load the target payment mark on the target personalization data corresponding to the target payment mark stored in the target secure element , and activate the loaded target payment token to the active state;
  • the electronic device After the electronic device sends the token generation request to the TSP platform server, it can receive the target payment token sent by the TSP platform server, and send the target payment token to the target wearable device, so that the target wearable device stores the target in its target secure element In the personalization data, the parent pays the mark on the target, and activates the target payment mark. After the target wearable device activates the target payment mark loaded in the target personalization data to an activated state, the activation result can be fed back to the target electronic device. After receiving the activation result fed back by the target wearable device, the electronic device can forward the activation result to the TSP platform server, so that the TSP platform server sets the target mark state corresponding to the target payment mark to the active state.
  • the TSP platform server may also send the target payment card account number and the target payment mark to the electronic device at the same time, so that the electronic device determines the target payment card account number to which the target payment mark belongs.
  • the target wearable device can store the target payment indicia in the target personalization data, so that the acquiring device can read the target personalization data and obtain the target payment indicia in the target personalization data.
  • the information processing method may further include:
  • each set of personalized data corresponds to a payment card type
  • the information processing method may also include:
  • sending the target payment mark and the activation instruction corresponding to the target payment mark to the target wearable device may specifically include:
  • the target personalization data is the personalization data corresponding to the target payment card type.
  • the electronic device and the target wearable device may first perform Bluetooth pairing to achieve binding, and send multiple sets of personalized data to the target wearable device, where one set of personalized data corresponds to one activation instruction. Then, the user can enter the target payment card account number to be bound to the target wearable device in the application interface of the financial application, the electronic device can generate a tag generation request according to the target payment card account number, and then the TSP platform server sends the tag generation request , so that the TSP platform server generates a target payment mark corresponding to the target payment card account number in response to the mark generation request.
  • the electronic device After the electronic device sends a tag generation request to the TSP platform server, it can receive the target payment tag sent by the TSP platform server, obtain the target payment card type of the target payment card account corresponding to the target payment tag, and then query the target payment card type corresponding to the target payment card type.
  • the activation instruction is sent to the target wearable device, and the target payment mark and the activation instruction corresponding to the target payment mark are sent to the target wearable device, so that the target wearable device can respond to the activation instruction and load the target payment mark to the target personalization corresponding to the target payment card type
  • the target personalized data is activated in the data, and then the activation of the target payment token is realized.
  • sending multiple sets of personalized data to the target wearable device may specifically include: sending multiple sets of personalized data and a personalized data activation program to the target wearable device. Therefore, when the target wearable device receives the activation instruction, it can perform the activation operation through the personalized data activation program, that is, the target payment mark is loaded into the target personalized data corresponding to the target bank card type through the personalized data activation program, and Activate the target personalization data, thereby realizing the activation of the target payment token.
  • the information processing method may further include:
  • the electronic device may acquire a fully loaded state value representing the storage state of the target secure element, and determine the storage state of the target secure element according to the fully loaded state value.
  • the full load state value represents the full load
  • the storage state is determined to be the full load state
  • the full load state value represents the full load state
  • the storage state is determined to be the downloadable state.
  • the embodiments of the present disclosure can realize the query of the storage state of the target security element of the target wearable device, send multiple sets of personalized data to the target wearable device on the premise that the target wearable device can be downloaded, and improve the activation of the target wearable device. Reliability of NFC payment function of wearable devices.
  • the information processing method may further include:
  • An account change request is sent to the target server, wherein the account change request is used to cause the target server to store the payment card account number to be changed as a new target payment card account number.
  • the user can enter the payment card account number to be changed that he wants to change for the target wearable device in the application interface of the financial application, and the electronic device can check the payment mark and To change the payment card account number, generate an account change request, and then send the account change request to the TSP platform server, so that the TSP platform server responds to the account change request, and generates and changes the payment card account number stored in association with the target payment mark.
  • the method for the TSP platform server to change the payment card account number stored in association with the target payment token has been described above, and will not be repeated here.
  • the user can complete the change setting of the payment card account number bound to the target wearable device.
  • the information processing method may also include:
  • querying the target payment mark corresponding to the target wearable device may specifically include:
  • the target payment mark corresponding to the target wearable device In the case that the type of the payment card to be changed is the same as the type of the target payment card, query the target payment mark corresponding to the target wearable device.
  • the to-be-changed payment card type of the to-be-changed payment card account that the user wants to change may be the same as the target payment card of the target payment card account that has been bound to the target wearable device
  • the types are the same or different. Since different payment card types correspond to different personalized data, it is necessary to first obtain the payment card type to be changed of the payment card account to be changed and the target payment card type of the target payment card account, and then determine the payment to be changed. Check whether the card type is the same as the target payment card type. If they are the same, you can query the target payment mark corresponding to the target wearable device, and directly change the payment card account number stored in the TSP platform server in association with the target payment mark to the payment card account to be changed.
  • the information processing method may further include:
  • a flag change request is generated according to the account number of the payment card to be changed
  • the mark change request is used to make the target server generate a to-be-changed payment mark corresponding to the to-be-changed payment card account, and to use the to-be-changed payment mark as a new target payment mark, and to use the to-be-changed payment card account number as the new target payment card account number.
  • a mark change request may be generated according to the account number of the payment card to be changed, and the mark change request is sent to the TSP platform server, so that the TSP platform server will change the payment card to be changed.
  • the account number is used as a new target payment card account number, and a new target payment mark corresponding to the new target payment card account number is generated, and then the new target payment mark is fed back to the electronic device.
  • the information processing method may further include:
  • the mark change request is used to make the target server generate a to-be-changed payment mark corresponding to the to-be-changed payment card account, and to use the to-be-changed payment mark as a new target payment mark, and to use the to-be-changed payment card account number as the new target payment card account number.
  • 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 change the mark to be changed.
  • the payment card account number is used as the new target payment card account number, and a new target payment mark corresponding to the new target payment card account number is generated, and then the new target payment mark is fed back to the electronic device.
  • the information processing method may further include:
  • the target wearable device Sending the target payment mark and the activation instruction corresponding to the target payment mark to the target wearable device, wherein the activation instruction is used to make the target wearable device load the target payment mark on the target personalization data corresponding to the target payment mark stored in the target secure element , and activate the loaded target payment token to the active state;
  • the electronic device After the electronic device sends a mark change request to the TSP platform server, it can receive the new target payment mark sent by the TSP platform server, and send the new target payment mark and an activation instruction corresponding to the new target payment mark to the target wearable device, Make the target wearable device load the target payment mark into the target personalization data corresponding to the target payment mark stored in the target secure element, and activate the loaded target payment mark to an active state, and then receive the activation feedback from the target wearable device As a result, the activation result is forwarded to the TSP platform server, so that the TSP platform server sets the target mark state of the new target payment mark to the active state.
  • the target corresponding to the target payment mark stored in the target secure element A new target payment token is loaded into the personalized data, and the original target payment token can be directly overwritten with the new target payment token.
  • the new target personalization data and the new target After the payment is marked the original target personalization data and the original target payment mark should also be set to an 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 an active state. target payout tag.
  • FIG. 7 is a schematic flowchart of a process of enabling a payment function in an embodiment of the information processing method of the first aspect of the present disclosure. As shown in Figure 7, the process of activating the payment function includes:
  • the user opens the application interface of the financial application program, and selects the wearable device to be enabled with the NFC payment function on the application interface of the financial application program, so that the electronic device and the wearable device complete Bluetooth pairing;
  • the storage state is the downloadable state
  • the set of personalized data corresponds to the type of debit card;
  • the user selects a bank card in the application interface as the default card bound to the wearable device, so that the electronic device obtains the bank card account number corresponding to the default card, and generates a tag generation request according to the bank card account number;
  • the electronic device sends a tag generation request to the Internet financial platform server;
  • the Internet financial platform server sends a tag generation request to the TSM platform server;
  • the TSM platform server sends a tag generation request to the TSP platform server;
  • the TSP platform server generates a payment mark corresponding to the bank card account number in response to the mark generation request, and stores the bank card account number and the payment mark in association;
  • the TSP platform server sends the payment mark corresponding to the bank card account number to the TSM platform server;
  • the TSM platform server sends a payment mark corresponding to the bank card account number to the Internet financial platform server;
  • the Internet financial platform server stores the bank card account number and the payment mark in association, and sends the payment mark corresponding to the bank card account number to the electronic device;
  • the electronic device sends an activation instruction corresponding to the payment mark and the bank card type of the default card to the wearable device;
  • the personalized data activation program in the eSE of the target wearable device executes the activation instruction, writes the payment mark into the personalized data corresponding to the bank card type, and activates the personalized data to activate the payment mark, and after the activation is completed Send activation results to electronic devices;
  • the electronic device sends the activation result to the Internet financial platform server;
  • the Internet financial platform server sends the activation result to the TSM platform server;
  • the TSM platform server sends the activation result to the TSP platform server;
  • the TSP platform server in response to the activation result, sets the mark state of the payment mark to the active state;
  • the TSP platform server sends the setting result to the TSM platform server
  • the TSM platform server sends the setting result to the Internet financial platform server;
  • the Internet financial platform server sends the setting result to the electronic device
  • the electronic device displays the setting result to prompt the user that the payment by the NFC payment function of the target wearable device is successful.
  • FIG. 8 is a schematic flowchart of a process of modifying and binding a payment card account according to an embodiment of the information processing method of the first aspect of the present disclosure. As shown in Figure 8, the process of modifying the binding payment card account number includes:
  • the user selects a bank card in the application interface as a new default card bound to the wearable device, so that the electronic device obtains the account number of the bank card to be changed corresponding to the new default card, and generates a mark according to the account number of the bank card to be changed change requests;
  • the electronic device sends a tag change request to the Internet financial platform server;
  • the Internet financial platform server sends a tag change request to the TSM platform server;
  • the TSM platform server sends a tag change request to the TSP platform server;
  • the TSP platform server in response to the tag change request, generates a to-be-changed payment tag corresponding to the to-be-changed bank card account number, takes the to-be-changed bank card account number as a new bank card account number, uses the to-be-changed payment tag as a new payment tag, and uses The new bank card account number is stored in association with the new payment token;
  • the TSP platform server sends a new payment mark corresponding to the new bank card account number to the TSM platform server;
  • the TSM platform server sends a new payment mark corresponding to the new bank card account number to the Internet financial platform server;
  • the Internet financial platform server sends a new payment mark corresponding to the new bank card account number to the electronic device;
  • the electronic device sends an activation instruction corresponding to the new payment mark and the bank card type of the new default card to the wearable device;
  • the personalized data activation program in the eSE of the target wearable device executes the activation instruction, writes a new payment token into the personalized data corresponding to the bank card type and activates the personalized data to activate the new payment token, and Send the activation result to the electronic device after the activation is completed;
  • the electronic device sends the activation result to the Internet financial platform server;
  • the Internet financial platform server sends the activation result to the TSM platform server;
  • the TSM platform server sends the activation result to the TSP platform server;
  • the TSP platform server in response to the activation result, sets the mark state of the new payment mark to the active state;
  • the TSP platform server sends the setting result to the TSM platform server;
  • the TSM platform server sends the setting result to the Internet financial platform server;
  • the Internet financial platform server sends the setting result to the electronic device
  • the electronic device displays the setting result to prompt the user that the default card is successfully updated.
  • Fig. 9 is a schematic flowchart of a process of unbinding a payment card account according to an embodiment of the information processing method of the first aspect of the present disclosure. As shown in Figure 9, the process of unbinding the payment card account number includes:
  • the electronic device sends an unbinding request to the Internet financial platform server
  • the Internet financial platform server sends an unbinding request to the TSM platform server;
  • the TSM platform server sends an unbinding request to the TSP platform server;
  • the TSP platform server in response to the unbinding request, obtains the payment token to be unbound in the unbinding request, and updates the marked state of the payment token to the unbound state;
  • the TSP platform server sends the update result to the TSM platform server;
  • the TSM platform server sends the update result to the Internet financial platform server;
  • the Internet financial platform server sends the update result to the electronic device
  • the electronic device displays the update result to prompt the user that the wearable device is successfully unbound.
  • the TSP platform server receives the transaction request corresponding to the payment token sent by the acquiring device, it can reject the corresponding transaction request when the token status of the payment token is found to be unbound. 's transaction.
  • the marked state of the payment token stored in the TSP platform server can be updated to the unbinding state.
  • the user can also click the pause function to update the token status of the payment token stored in the TSP platform server to the suspended state.
  • the user page can click the loss reporting function to update the marked status of the payment token stored in the TSP platform server to the reporting status.
  • 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, and will not be repeated here.
  • the user can also click the rebinding function, cancel the loss reporting function and the recovery function, so that the TSP platform server stores The marked state of the payment token is updated to the active state again, and the process is similar to the process of unbinding the payment card account, which will not be repeated here.
  • the wearable device after the mark state of the payment mark stored in the TSP platform server is changed, there is no need to change the mark state of the payment mark in the wearable device, and there is no need to delete the payment mark in the wearable device,
  • the transaction may fail due to the marked state of the payment token stored in the TSP platform server, and then the payment state of the wearable device can be changed when the wearable device cannot communicate with the electronic device via Bluetooth.
  • FIG. 10 is a schematic structural diagram of an embodiment of an information processing apparatus according to the second aspect of the present disclosure.
  • the apparatus shown in FIG. 10 may be the TSP platform server 140 shown in FIGS. 1 to 4 , or may be a functional module in the TSP platform server 140 shown in FIGS. 1 to 4 . .
  • 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 configured to parse the state change request in response to the state change request to obtain state change request information; wherein the state change request information includes the target payment mark and the target payment state of the target wearable device, and the target wearable The device is a wearable device bound to the target electronic device, and the target payment mark is stored in the target secure element of the target wearable device;
  • the first processing module 1030 is used to update the target mark state corresponding to the target payment mark to the target payment status; wherein, the target mark status is used to determine whether to execute the transaction corresponding to the transaction request when receiving the transaction request corresponding to the target payment mark, The transaction request is generated based on the target payment token obtained from the target secure element.
  • the target electronic device after receiving the state change request sent by the target electronic device, it is possible to parse the state change request and parse the target payment tag and the target payment status of the target wearable device, and the target mark status corresponding to the target payment mark is updated to the target payment status, so that the target mark status corresponding to the target payment mark is used to represent the target payment status of the target wearable device, and the target payment status of the target wearable device is realized by using the target mark status corresponding to the target payment mark.
  • the method of updating the target mark state corresponding to the payment mark is to update the target payment status of the target wearable device, and then when receiving a transaction request generated according to the target payment mark obtained from the target security element of the target wearable device, it can be Whether to execute the transaction corresponding to the transaction request is determined according to the state of the target mark corresponding to the target payment mark, so that the payment status of the wearable device can be updated through the electronic device bound to the wearable device, so as to avoid the loss of the wearable device after the wearable device is lost.
  • the problem that the user cannot change the payment status of the wearable device thereby reducing the risk of the bank account associated with the wearable device being stolen, and improving the security of the user's bank account.
  • the information processing apparatus 1000 may further include:
  • a third receiving module configured to receive a transaction request sent by the target acquiring device, wherein the transaction request is generated according to the target payment mark acquired by the target acquiring device from the target secure element;
  • a second parsing module configured to parse the transaction request in response to the transaction request to obtain transaction request information; wherein the transaction request information includes a target payment mark;
  • the second query module is used to query the target mark state corresponding to the target payment mark
  • the third processing module is configured to refuse to execute the transaction corresponding to the transaction request when the target flag state is an abnormal state.
  • the abnormal state may include any one of a suspended state, a reported loss state, and an unbound state.
  • the information processing apparatus 1000 may further include:
  • a fourth processing module configured to generate transaction feedback information corresponding to the transaction request according to the target mark state
  • the second sending module is used for sending transaction feedback information to the target acquiring device.
  • 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 parse the mark generation request in response to the mark generation request to obtain mark generation request information; wherein the mark generation request information includes the target payment card account number;
  • a fifth processing module configured to generate a target payment mark according to the target payment card account number
  • the first storage module is configured to associate and store the target payment card account number and the target payment mark.
  • 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 parse the account change request in response to the account change request, and obtain account change request information; wherein the account change request information includes the target payment mark and the payment card account number to be changed;
  • the first update module is used for storing the payment card account number to be changed as a new target payment card account number.
  • the information processing apparatus 1000 may further include:
  • the sixth receiving module is used to receive the mark change request sent by the target electronic device
  • a fifth parsing module configured to parse the mark change request in response to the mark change request to obtain mark change request information; wherein the mark change request includes the payment card account number to be changed;
  • the sixth processing module is used to generate a payment mark to be changed according to the payment card account number to be changed;
  • the second update module is used to store the payment card account number to be changed as a new target payment card account number
  • the third update module is used for storing the payment mark to be changed as a new target payment mark.
  • the information processing apparatus 1000 may further include:
  • the third sending module is configured to send the target payment mark to the target electronic device, so that the target electronic device sends the target payment mark and the activation instruction corresponding to the target payment mark to the target wearable device, wherein the activation instruction is used to make the target wearable device Loading the target payment mark into the target personalization data corresponding to the target payment mark stored in the target secure element, and activating the loaded target payment mark to an active state;
  • a seventh receiving module configured to receive an activation result sent by the target electronic device, wherein the activation result is used to indicate that the target wearable device has activated the target payment mark loaded in the target personalization data to an activated state;
  • the fourth updating module is configured to set the target mark state corresponding to the target payment mark to the active state in response to the activation result.
  • the information processing apparatus 1000 shown in FIG. 10 can execute various steps in the method embodiment shown in FIG. 5 , and realize various processes and effects in the method embodiment shown in FIG. 5 , which is not described here. Repeat.
  • FIG. 11 is a schematic structural diagram of another embodiment of an information processing apparatus according to the second aspect of the present disclosure.
  • the apparatus shown in FIG. 11 may be the electronic device 110 shown in FIGS. 1 to 4 , or may be a functional module in the electronic device 110 shown in FIGS. 1 to 4 .
  • the information processing apparatus 1100 may include:
  • the second receiving module 1110 is configured to receive the target payment status of the target wearable device input by the user, where the target wearable device is a bound wearable device;
  • the first query module 1120 is used to query the target payment mark corresponding to the target wearable device; wherein, the target payment mark is the payment mark stored in the target secure element of the target wearable device;
  • the second processing module 1130 is configured to generate a state change request according to the target payment mark and the target payment state;
  • the first sending module 1140 is used to send a state change request to the target server, wherein the state change request is used to update the target mark state corresponding to the target payment mark stored in the target server to the target payment status, and the target mark
  • the server receives the transaction request corresponding to the target payment tag, it determines whether to execute the transaction corresponding to the transaction request, and the transaction request is generated according to the target payment tag acquired from the target secure element.
  • the target payment mark stored in the target secure element of the target wearable device and the target wearable device's target Payment status after receiving the target payment status of the bound target wearable device input by the user, the target payment mark stored in the target secure element of the target wearable device and the target 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 updates the target mark status corresponding to the target payment mark stored in it to the target payment status, so as to use the target mark status of the target payment mark to indicate that the target is available.
  • the target payment status of the wearable device is used to update the target payment status of the target wearable device by updating the target payment status of the target payment mark, and then when a transaction request corresponding to the target payment mark is received, the target payment mark
  • the target mark state of the target wearable device determines whether to execute the transaction corresponding to the transaction request. Therefore, 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 the loss of the wearable device.
  • the problem that the payment status of the wearable device cannot be changed, thereby reducing the risk of the bank account associated with the wearable device being stolen, and improving the security of the user's bank account.
  • the target payment state may include any one of a suspended state, a reported loss state, and an unbound state.
  • the information processing apparatus 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 mark generation request according to the target payment card account number
  • the fourth sending module is configured to send a mark generation request to the target server, wherein the mark generation request is used to enable the target server to generate a target payment mark corresponding to the target payment card account number.
  • the information processing apparatus 1100 may further include:
  • the ninth receiving module is used to receive the payment card account number to be changed input by the user
  • the third query module is used to query the target payment mark corresponding to the target wearable device
  • the eighth processing module is used to generate an account change request according to the target payment mark and the payment card account number to be changed;
  • the fifth sending module is configured to send an account change request to the target server, wherein the account change request is used to make the target server store the payment card account number to be changed as a new target payment card bank account number.
  • the information processing apparatus 1100 may further include:
  • the first obtaining module is used for obtaining the payment card type to be changed of the payment card account to be changed and the target payment card type of the target payment card account.
  • the third query module can be specifically used for:
  • the target payment mark corresponding to the target wearable device In the case that the type of the payment card to be changed is the same as the type of the target payment card, query the target payment mark corresponding to the target wearable device.
  • the information processing apparatus 1100 may further include:
  • a ninth processing module configured to generate a mark change request according to the account number of the payment card to be changed when the type of the payment card to be changed is different from the type of the target payment card;
  • the sixth sending module is used to send a mark change request to the target server, wherein the mark change request is used to make the target server generate a to-be-changed payment mark corresponding to the to-be-changed payment card account number, and to use the to-be-changed payment mark as a new target payment mark .
  • the information processing apparatus 1100 may further include:
  • the tenth receiving module is used for receiving the target payment mark sent by the target server;
  • the seventh sending module is used to send the target wearable device and the activation instruction corresponding to the target payment mark and the target payment mark, wherein the activation instruction is used to make the target wearable device load the target payment mark into the target payment stored in the target secure element Mark the corresponding target personalization data, and activate the loaded target payment mark as an active state;
  • An eleventh receiving module configured to receive an activation result sent by the target wearable device, wherein the activation result is used to indicate that the target wearable device has activated the target payment mark loaded in the target personalization data to an activated state;
  • the eighth sending module is used for sending the activation result to the target server.
  • the information processing apparatus 1100 may further include:
  • the ninth sending module is used to send multiple sets of personalized data to the target wearable device, and each set of personalized data corresponds to a payment card type;
  • the second obtaining module is configured to obtain the target payment card type of the target payment card account number corresponding to the target payment mark.
  • the seventh sending module may be specifically used for:
  • the target personalization data is the personalization data corresponding to the target payment card type.
  • the information processing apparatus 1100 shown in FIG. 11 can execute various steps in the method embodiment shown in FIG. 6 and realize various processes and effects in the method embodiment shown in FIG. Repeat.
  • FIG. 12 is a schematic diagram of a hardware structure of an embodiment of an information processing device according to the third aspect of the present disclosure.
  • the information processing device may include a processor 1201 and a memory 1202 in which computer program instructions are stored.
  • the above-mentioned processor 1201 may include a 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 disclosure.
  • CPU central processing unit
  • ASIC Application Specific Integrated Circuit
  • Memory 1202 may include mass storage for data or instructions.
  • memory 1202 may include a Hard Disk Drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a Universal Serial Bus (USB) drive or two or more A combination of more than one of the above.
  • Storage 1202 may include removable or non-removable (or fixed) media, where appropriate.
  • Storage 1202 may be internal or external to the integrated gateway disaster recovery device, where appropriate.
  • memory 1202 is non-volatile solid state memory.
  • memory 1202 includes read only memory (ROM).
  • the ROM may be a mask programmed ROM, programmable ROM (PROM), erasable PROM (EPROM), electrically erasable PROM (EEPROM), electrically rewritable ROM (EAROM) or flash memory or A combination of two or more of the above.
  • PROM programmable ROM
  • EPROM erasable PROM
  • EEPROM electrically erasable PROM
  • EAROM electrically rewritable ROM
  • flash memory or A combination of two or more of the above.
  • 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 foregoing embodiments.
  • the information processing device may further include a communication interface 1203 and a bus 1210 .
  • the processor 1201 , the memory 1202 , and the communication interface 1203 are connected through the bus 1210 and complete the mutual communication.
  • the communication interface 1203 is mainly used to implement communication between modules, apparatuses, units and/or devices in the embodiments of the present disclosure.
  • the bus 1210 includes hardware, software, or both, coupling the components of the information processing device to each other.
  • the bus may include Accelerated Graphics Port (AGP) or other graphics bus, Enhanced Industry Standard Architecture (EISA) bus, Front Side Bus (FSB), HyperTransport (HT) Interconnect, Industry Standard Architecture (ISA) Bus, Infiniband Interconnect, Low Pin Count (LPC) Bus, Memory Bus, Microchannel Architecture (MCA) Bus, Peripheral Component Interconnect (PCI) Bus, PCI-Express (PCI-X) Bus, Serial Advanced Technology Attachment (SATA) bus, Video Electronics Standards Association Local (VLB) bus or other suitable bus or a combination of two or more of the above.
  • Bus 1210 may include one or more buses, where appropriate. Although embodiments of the present disclosure describe and illustrate a particular bus, this disclosure contemplates any suitable bus or interconnect.
  • the information processing device can execute the information processing method in the embodiment of the present disclosure, thereby realizing the information processing method and apparatus described in conjunction with FIG. 5 to FIG. 11 .
  • the embodiments of the present disclosure may be implemented by providing a computer-readable storage medium.
  • Computer program instructions are stored on the computer-readable storage medium; when the computer program instructions are executed by the processor, any one of the information processing device methods in the above-mentioned embodiments is implemented.
  • Examples of computer-readable storage media shown include non-transitory computer-readable storage media, such as read-only memory (Read-Only Memory, referred to as ROM), random access memory (Random Access Memory, referred to as RAM), magnetic disks or CD etc.
  • the functional blocks shown in the above-described structural block diagrams may be implemented as hardware, software, firmware, or a combination thereof.
  • it When implemented in hardware, it may be, for example, an electronic circuit, an application specific integrated circuit (ASIC), suitable firmware, a plug-in, a function card, or the like.
  • ASIC application specific integrated circuit
  • elements of the present disclosure are programs or code segments used to perform the required tasks.
  • the program or code segments may be stored in a machine-readable medium or transmitted over a transmission medium or communication link by a data signal carried in a carrier wave.
  • a "machine-readable medium” may include any medium that can store or transmit information.
  • machine-readable media examples include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio frequency (RF) links, and the like.
  • the code segments may be downloaded via a computer network such as the Internet, an intranet, or the like.

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Abstract

一种信息处理方法、装置、设备及介质。其中，一种信息处理方法包括：接收目标电子设备发送的状态变更请求（S510）；响应于状态变更请求，对状态变更请求进行解析，得到包括目标支付标记和目标可穿戴设备的目标支付状态的状态变更请求信息，目标可穿戴设备为与目标电子设备绑定的可穿戴设备，目标可穿戴设备的目标安全元件内存储有目标支付标记（S520）；将目标支付标记对应的目标标记状态更新为目标支付状态，目标标记状态用于在接收到目标支付标记对应的交易请求时确定是否执行交易请求对应的交易，交易请求根据从目标安全元件中所获取的目标支付标记生成（S530）。从而能够解决在可穿戴设备丢失后，用户无法更改可穿戴设备的支付状态的问题。

Description

信息处理方法、装置、设备及介质
相关申请的交叉引用
本申请要求享有于2020年07月24日提交的名称为“信息处理方法、装置、设备及介质”的中国专利申请202010722517.7的优先权，该申请的全部内容通过引用并入本文中。
技术领域
本公开属于通信技术领域，尤其涉及一种信息处理方法、装置、设备及介质。
背景技术
随着科技的发展，近场通信(Near Field Communication，NFC)支付功能逐渐成为了可穿戴设备的标准配置。当用户在购物消费或乘坐公共交通工具时，只需将可穿戴设备靠近销售点(Point of Sale，POS)终端或公共交通工具的刷卡机，便可在短时间内完成支付。
虽然用户可以使用可穿戴设备更加便利地进行支付操作，但是在可穿戴设备丢失后，用户无法更改可穿戴设备的支付状态，导致与可穿戴设备关联的银行账户存在被盗刷的风险，进而降低了用户的银行账户的安全性。
发明内容
本公开实施例提供一种信息处理方法、装置、设备及介质，能够解决在可穿戴设备丢失后，用户无法更改可穿戴设备的支付状态的问题。
第一方面，本公开实施例提供了一种信息处理方法，包括：
接收目标电子设备发送的状态变更请求；
响应于状态变更请求，对状态变更请求进行解析，得到状态变更请求 信息，状态变更请求信息包括目标支付标记和目标可穿戴设备的目标支付状态，目标可穿戴设备为与目标电子设备绑定的可穿戴设备，目标可穿戴设备的目标安全元件内存储有目标支付标记；
将目标支付标记对应的目标标记状态更新为目标支付状态，其中，目标标记状态用于在接收到目标支付标记对应的交易请求时确定是否执行交易请求对应的交易，交易请求根据从目标安全元件中所获取的目标支付标记生成。
第二方面，本公开实施例提供了一种信息处理方法，包括：
接收用户输入的目标可穿戴设备的目标支付状态，其中，目标可穿戴设备为已绑定的可穿戴设备；
查询目标可穿戴设备对应的目标支付标记，其中，目标支付标记为目标可穿戴设备的目标安全元件内所存储的支付标记；
根据目标支付标记和目标支付状态，生成状态变更请求；
向目标服务器发送状态变更请求，其中，状态变更请求用于将目标服务器中存储的目标支付标记对应的目标标记状态更新为目标支付状态，目标标记状态用于在目标服务器接收到目标支付标记对应的交易请求时确定是否执行交易请求对应的交易，交易请求根据从目标安全元件中所获取的目标支付标记生成。
第三方面，本公开实施例提供了一种信息处理装置，包括：
第一接收模块，用于接收目标电子设备发送的状态变更请求；
第一解析模块，用于响应于状态变更请求，对状态变更请求进行解析，得到状态变更请求信息，状态变更请求信息包括目标支付标记和目标可穿戴设备的目标支付状态，目标可穿戴设备为与目标电子设备绑定的可穿戴设备，目标可穿戴设备的目标安全元件内存储有目标支付标记；
第一处理模块，用于将目标支付标记对应的目标标记状态更新为目标支付状态，其中，目标标记状态用于在接收到目标支付标记对应的交易请求时确定是否执行交易请求对应的交易，交易请求根据从目标安全元件中所获取的目标支付标记生成。
第四方面，本公开实施例提供了一种信息处理装置，包括：
第二接收模块，用于接收用户输入的目标可穿戴设备的目标支付状态，目标可穿戴设备为已绑定的可穿戴设备；
第一查询模块，用于查询目标可穿戴设备对应的目标支付标记，目标支付标记为目标可穿戴设备的目标安全元件内所存储的支付标记；
第二处理模块，用于根据目标支付标记和目标支付状态，生成状态变更请求；
第一发送模块，用于向目标服务器发送状态变更请求，其中，状态变更请求用于将目标服务器中存储的目标支付标记对应的目标标记状态更新为目标支付状态，目标标记状态用于在目标服务器接收到目标支付标记对应的交易请求时确定是否执行交易请求对应的交易，交易请求根据从目标安全元件中所获取的目标支付标记生成。
第五方面，本公开实施例提供了一种信息处理设备，该设备包括：处理器以及存储有计算机程序指令的存储器；
处理器执行计算机程序指令时实现如第一方面或第二方面所述的信息处理方法。
第六方面，本公开实施例提供了一种计算机可读存储介质，该计算机可读存储介质上存储有计算机程序指令，计算机程序指令被处理器执行时实现如第一方面或第二方面所述的信息处理方法。
本公开实施例的信息处理方法、装置、设备及介质，能够在接收到目标电子设备发送的状态变更请求之后，解析状态变更请求中的与目标电子设备绑定的目标可穿戴设备的目标安全元件中所存储的目标支付标记和该目标可穿戴设备的目标支付状态，并且将目标支付标记对应的目标标记状态更新为目标支付状态，以利用目标支付标记对应的目标标记状态表示目标可穿戴设备的目标支付状态，实现利用对目标支付标记对应的目标标记状态进行更新的方式，更新目标可穿戴设备的目标支付状态，进而在接收到根据从目标可穿戴设备的目标安全元件中所获取的目标支付标记生成的交易请求时，可以根据目标支付标记对应的目标标记状态确定是否执行交易请求对应的交易，由此，能够通过与可穿戴设备绑定的电子设备对可穿戴设备的支付状态进行更新，避免在可穿戴设备丢失后，用户无法更改可 穿戴设备的支付状态的问题，进而降低与可穿戴设备关联的银行账户存在被盗刷的风险，提高用户的银行账户的安全性。
附图说明
为了更清楚地说明本公开实施例的技术方案，下面将对本公开实施例中所需要使用的附图作简单的介绍，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1是本公开第一方面的信息处理方法的实施例的一种信息处理的示例的架构图；
图2是本公开第一方面的信息处理方法的实施例的另一种信息处理的示例的架构图；
图3是本公开第一方面的信息处理方法的实施例的又一种信息处理的示例的架构图；
图4是本公开第一方面的信息处理方法的实施例的再一种信息处理的示例的架构图；
图5是本公开第一方面的信息处理方法的实施例的流程示意图；
图6是本公开第一方面的信息处理方法的另一实施例的流程示意图；
图7是本公开第一方面的信息处理方法的实施例的开通支付功能过程的流程示意图；
图8是本公开第一方面的信息处理方法的实施例的修改绑定支付卡账号过程的流程示意图；
图9是本公开第一方面的信息处理方法的实施例的解绑支付卡账号过程的流程示意图；
图10是本公开第二方面的信息处理装置的实施例的结构示意图；
图11是本公开第二方面的信息处理装置的另一实施例的结构示意图；
图12是本公开第三方面的信息处理设备的实施例的硬件结构示意图。
具体实施方式
下面将详细描述本公开的各个方面的特征和示例性实施例，为了使本公开的目的、技术方案及优点更加清楚明白，以下结合附图及具体实施例，对本公开进行进一步详细描述。应理解，此处所描述的具体实施例仅被配置为解释本公开，并不被配置为限定本公开。对于本领域技术人员来说，本公开可以在不需要这些具体细节中的一些细节的情况下实施。下面对实施例的描述仅仅是为了通过示出本公开的示例来提供对本公开更好的理解。
需要说明的是，在本文中，诸如第一和第二等之类的关系术语仅仅用来将一个实体或者操作与另一个实体或操作区分开来，而不一定要求或者暗示这些实体或操作之间存在任何这种实际的关系或者顺序。而且，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括……”限定的要素，并不排除在包括所述要素的过程、方法、物品或者设备中还存在另外的相同要素。
本公开所提供的信息处理方法，可以应用于如图1至图4的架构中，具体结合图1至图4进行详细说明。
图1是本公开第一方面的信息处理方法的实施例的一种信息处理的示例的架构图。如图1所示，该架构图中可以包括至少一个可穿戴设备110、至少一个电子设备120、至少一个收单设备130和支付标记化服务系统(Token Service Provider，TSP)平台服务器140。
可穿戴设备110的示例可以是一种可被用户穿戴在身上、或整合到用户衣服或配件中的便携式设备，如智能手环、智能手表、智能运动鞋、智能服装、智能眼镜、智能头盔、智能戒指、智能饰品等，可穿戴设备110具有NFC支付功能。电子设备120可以是手机、平板电脑、台式电脑、车载终端等具有通讯功能的设备。收单设备130可以是手机、平板电脑、销售(point of sale，POS)终端等，收单设备130具有NFC信息读取功能。 TSP平台服务器140用于管理和校验支付标记(Token)，TSP平台服务器140可以是云服务器或者服务器集群等具有存储以及计算功能的设备。
继续参见图1，每个电子设备120可以分别与至少一个可穿戴设备110绑定并且进行无线通信，以使电子设备120和其绑定的可穿戴设备110之间可以通过无线通信方式进行数据传输。在一些实施例中，无线通信可以为短距离无线通信，例如，蓝牙、无线局域网(Wireless Fidelity，WIFI)。每个电子设备120还可以分别与TSP平台服务器140进行通信，用于使TSP平台服务器140更改与其绑定的可穿戴设备110的安全元件中所存储的支付标记对应的标记状态，其中，支付标记与支付卡账号具有一一对应的关系。每个收单设备130也可以与TSP平台服务器140进行通信，用于将携带有从可穿戴设备110中读取的支付标记的交易请求发送给TSP平台服务器140，使TSP平台服务器140根据支付标记对应的支付状态对支付标记进行校验，并根据校验结果确定是否执行交易请求对应的交易。在一些实施例中，可穿戴设备中存储的支付标记可以为根据与可穿戴设备绑定的支付卡账号生成的字符串。
具体地，电子设备120使TSP平台服务器140更改与其绑定的可穿戴设备110的安全元件中所存储的支付标记对应的标记状态的具体方法为：
电子设备120首先接收用户输入的其已绑定的指定可穿戴设备110的支付状态，然后查询该指定可穿戴设备110的安全元件内所存储的支付标记，接着根据查询到的支付标记和用户输入的支付状态，生成状态变更请求，最后向TSP平台服务器140发送该状态变更请求。
TSP平台服务器140在接收到该电子设备120发送的状态变更请求之后，可以对接收到的状态变更请求进行解析，得到状态变更请求中携带的支付标记和支付状态，并且，将该状态变更请求中携带的支付标记对应的标记状态更新为状态变更请求中携带的支付状态，进而可以在接收到根据该状态变更请求中携带的支付标记所生成的交易请求时，根据该支付标记对应的标记状态确定是否执行该交易请求对应的交易。
由此，在图1所示的信息处理架构中，由于可穿戴设备具备NFC支付功能，在可穿戴设备进行支付时，收单设备130可以直接读取可穿戴设备 中存储的支付标记，并且向TSP平台服务器发送根据该支付标记生成的交易请求，使TSP平台服务器根据交易请求所携带的支付标记对应的支付状态确定是否执行交易请求对应的交易。如果确定执行交易，则可以根据支付标记完成交易，因此，可穿戴设备无需联网，既可以实现支付功能。
在本公开一些实施例中，安全元件可以为嵌入式安全元件(embedded Secure Element，eSE)，以提高支付标记的安全性。
图2是本公开第一方面的信息处理方法的实施例的另一种信息处理的示例的架构图。如图2所示，该架构图中可以包括至少一个可穿戴设备110、至少一个电子设备120、至少一个收单设备130、TSP平台服务器140、互联网金融平台服务器150和收单平台服务器160。
在一些实施例中，可穿戴设备110、电子设备120、收单设备130和TSP平台服务器140的原理与图1所示实施例相同，在此不做赘述。
互联网金融平台服务器150可以用于提供互联网金融服务，收单平台服务器160可以用于提供收单服务，互联网金融平台服务器150和收单平台服务器160分别可以是云服务器或者服务器集群等具有存储以及计算功能的设备。
电子设备120内可以安装有互联网金融平台对应的金融应用程序，互联网金融平台可以为第三方金融平台或者卡组织平台。用户首先可以在金融应用程序的应用界面内输入其已绑定的指定可穿戴设备110的支付状态，然后，电子设备120可以从互联网金融平台服务器150内查询该指定可穿戴设备110的安全元件内所存储的支付标记，接着根据查询到的的支付标记和用户输入的支付状态，生成状态变更请求，最后通过互联网金融平台服务器150向TSP平台服务器140发送该状态变更请求。
收单设备130内可以安装有收单平台对应的收单应用程序。收单设备130可以通过收单应用程序读取可穿戴设备110的安全元件内所存储的支付标记，接着通过收单平台服务器160向TSP平台服务器140发送携带有所读取的支付标记的交易请求。
图3是本公开第一方面的信息处理方法的实施例的又一种信息处理的示例的架构图。如图3所示，该架构图中可以包括至少一个可穿戴设备 110、至少一个电子设备120、至少一个收单设备130、TSP平台服务器140、互联网金融平台服务器150、收单平台服务器160和可信服务管理(Trusted Service Management，TSM)平台服务器170。
在一些实施例中，可穿戴设备110、电子设备120、收单设备130、TSP平台服务器140、互联网金融平台服务器150和收单平台服务器160的原理与图2所示实施例相同，在此不做赘述。
TSM平台服务器170可以用于实现信息的安全转发，TSM平台服务器170可以是云服务器或者服务器集群等具有存储以及计算功能的设备。具体地，TSM平台服务器170可以通过可信通道与TSP平台服务器140通信连接，以进一步提高信息传输的安全性。
互联网金融平台服务器150和收单平台服务器160可以分别与TSM平台服务器170通信。互联网金融平台服务器150可以将状态变更请求发送至TSM平台服务器170，然后由TSM平台服务器170通过可信通道发送至TSP平台服务器140。收单平台服务器160可以将交易请求发送至TSM平台服务器170，然后由TSM平台服务器170通过可信通道发送至TSP平台服务器140。
图4是本公开第一方面的信息处理方法的实施例的再一种信息处理的示例的架构图。如图4所示，该架构图中可以包括至少一个可穿戴设备110、至少一个电子设备120、至少一个收单设备130、TSP平台服务器140、互联网金融平台服务器150、收单平台服务器160、TSM平台服务器170和发卡机构服务器180。
在一些实施例中，可穿戴设备110、电子设备120、收单设备130、TSP平台服务器140、互联网金融平台服务器150、收单平台服务器160和TSM平台服务器170的原理与图3所示实施例相同，在此不做赘述。
在TSP平台服务器140确定执行交易的情况下，TSP平台服务器140可以获取交易请求中携带的收单设备标识和交易金额，并且查询与支付标记关联存储的支付卡账号，该支付账号即为与可穿戴设备绑定的支付账号，然后将获取的收单设备标识、交易金额和支付账号发送给发卡机构服务器180，使发卡机构服务器180完成交易请求对应的交易，将交易金额 由所获取的支付账户转移至该收单设备标识对应的支付账号中，然后将交易完成结果反馈给TSP平台服务器140，TSP平台服务器140可以依次通过TSM平台服务器170和收单平台服务器160，将交易完成结果发送给发送交易请求的收单设备130。
可选地，支付卡账号可以为实体支付卡账号，也可以为虚拟支付卡账号。在一些实施例中，实体支付卡账号可以为实体银行卡账号，虚拟支付卡账号可以为电子银行卡账号。
由此，在图4所示的信息处理架构中，无需在可穿戴设备中预先充值，可以直接利用支付标记通过与可穿戴设备绑定的银行账号对应的银行卡账户完成交易。
根据上述架构，下面结合图5-图9对本公开实施例提供的信息处理方法进行详细说明。
图5是本公开第一方面的信息处理方法的实施例的流程示意图。
在本公开一些实施例中，图5所示的方法可以由图1至图4中所示的TSP平台服务器140执行。
如图5所示，该信息处理方法可以包括
S510、接收目标电子设备发送的状态变更请求。
在一些实施例中，目标电子设备可以为与TSP平台服务器通信连接的任意安装有互联网金融平台对应的金融应用程序的电子设备。
状态变更请求用于请求TSP平台服务器将用户指定的目标支付标记对应的目标支付状态更新为用户指定的目标支付状态。
目标支付状态可以包括激活状态、暂停状态、挂失状态和解绑状态中的任一种。目标支付状态可以分为正常状态和异常状态，异常状态可以包括暂停状态、挂失状态和解绑状态中的任一种，正常状态可以包括激活状态。
激活状态指的是可穿戴设备的NFC支付功能已激活并且处于可用状态。暂停状态指的是可穿戴设备的NFC支付功能已激活并且处于暂停使用状态。挂失状态指的是可穿戴设备的NFC支付功能已激活并且处于挂失登记状态，在挂失状态下，NFC支付功能暂停使用。解绑状态指的是可穿戴 设备的NFC支付功能已激活并且处于未绑定支付卡账号状态，在解绑状态下，NFC支付功能也暂停使用。
在本公开实施例中，目标电子设备可以直接与TSP平台服务器通信，目标电子设备还可以通过互联网金融平台服务器与TSP平台服务器通信，目标电子设备还可以依次通过互联网金融平台服务器和TSM平台服务器与TSP平台服务器通信，在此不做限制。
如图5所示，该信息处理方法还包括S520、响应于状态变更请求，对状态变更请求进行解析，得到状态变更请求信息。
在一些实施例中，状态变更请求信息包括目标支付标记和目标可穿戴设备的目标支付状态，目标可穿戴设备为与目标电子设备绑定的可穿戴设备，目标可穿戴设备的目标安全元件内存储有目标支付标记。
具体地，目标可穿戴设备为用户指定的待变更支付状态的可穿戴设备，目标支付标记为用户指的的目标可穿戴设备的目标安全元件内所存储的支付标记
如图5所示，该信息处理方法还包括S530、将目标支付标记对应的目标标记状态更新为目标支付状态。
目标标记状态用于在接收到目标支付标记对应的交易请求时确定是否执行交易请求对应的交易，交易请求根据从目标安全元件中所获取的目标支付标记生成。
在本公开一些实施例中，TSP平台服务器可以存储支付标记和支付标记对应的标记状态，例如，TSP平台服务器可以为支付标记增加状态位，状态位上设有状态值，一个状态值表征一个支付状态，并且不同的状态值表征不同的支付状态。
在这些实施例中，可选地TSP平台服务器可以确定目标支付状态对应的目标状态值，并且将目标支付标记的状态位设置为该目标状态值，以实现将目标支付标记对应的目标标记状态更新为目标支付状态。
在本公开另一些实施例中，支付标记可以存储于个人化数据内，TSP平台服务器可以对个人化数据进行存储，个人化数据内可以设有状态位，状态位上设有状态值，一个状态值表征一个支付状态，并且不同的状态值 表征不同的支付状态。
在这些实施例中，可选地，TSP平台服务器可以确定目标支付状态对应的目标状态值，并且将目标支付标记所属的目标个人化数据内的状态位设置为该目标状态值，以实现将目标支付标记对应的目标标记状态更新为目标支付状态。
在一些实施例中，个人化数据可以为个人化应用标示符(application identifier，AID)，其由字符串构成，个人化AID内包含有通用字符串、支付标记和状态值，支付标记也由字符串构成，支付标记和状态值可以位于通用字符串之后。
例如，个人化AID的通用字符串可以为：A000000333 010102 0063020000 01 0000。前10位可以为固定字符串，第11-16位可以用于指示支付卡类型，如借记卡类型为010101、贷记卡类型为010102、准贷记卡类型为010103，第17-18位可以指示应用类型，如金融应用为00、非金融应用为01，第19-26位可以为应用提供方的机构代码，第27-28位可以为扩展为，可以自定义其功能，第29-32位可以指示芯片卡类型，如PBOC2.0类型为0000，PBOC3.0类型为1000。
在本公开实施例中，由于一个可穿戴设备仅存储有一个处于激活状态的支付标记，不同的可穿戴设备所存储的处于激活状态的支付标记不同，并且支付标记对应的标记状态与支付状态相同，因此，TSP平台服务器可以根据支付标记对应的标记状态，确定安全元件内存储有该支付标记的可穿戴设备的支付状态，进而可以根据可穿戴设备的支付状态确定是否执行携带有该支付标记的交易请求对应的交易。
在本公开实施例中，能够在接收到目标电子设备发送的状态变更请求之后，解析状态变更请求中的与目标电子设备绑定的目标可穿戴设备的目标安全元件中所存储的目标支付标记和该目标可穿戴设备的目标支付状态，并且将目标支付标记对应的目标标记状态更新为目标支付状态，以利用目标支付标记对应的目标标记状态表示目标可穿戴设备的目标支付状态，实现利用对目标支付标记对应的目标标记状态进行更新的方式，更新目标可穿戴设备的目标支付状态，进而在接收到根据从目标可穿戴设备的 目标安全元件中所获取的目标支付标记生成的交易请求时，可以根据目标支付标记对应的目标标记状态确定是否执行交易请求对应的交易，由此，能够通过与可穿戴设备绑定的电子设备对可穿戴设备的支付状态进行更新，避免在可穿戴设备丢失后，用户无法更改可穿戴设备的支付状态的问题，进而降低与可穿戴设备关联的银行账户存在被盗刷的风险，提高用户的银行账户的安全性。
在本公开另一个实施方式中，该信息处理方法还可以包括：
接收目标收单设备发送的交易请求，其中，交易请求根据目标收单设备从目标安全元件中所获取的目标支付标记生成；
响应于交易请求，对交易请求进行解析，得到交易请求信息，交易请求信息包括目标支付标记；
查询目标支付标记对应的目标标记状态；
在目标标记状态为异常状态的情况下，拒绝执行交易请求对应的交易。
在一些实施例中，目标收单设备可以为与TSP平台服务器通信连接的任意安装有收单平台对应的收单应用程序的收单设备。
具体地，用户在使用目标可穿戴设备进行支付时，可以通过目标收单设备读取目标可穿戴设备的目标安全元件中存储的目标支付标记，目标收单设备可以根据目标支付标记、目标收单设备的目标收单设备标识和交易金额生成交易请求，然后将交易请求发送给TSP平台服务器。
在一些实施例中，目标收单设备标识可以为目标收单设备标识的网际互连协议(Internet Protocol，IP)地址，也可以为目标收单设备标识的设备身份标识(Identity document，ID)，设备ID可以为设备识别码。
TSP平台服务器可以接收目标收单设备发送的交易请求，并且对交易请求进行解析，得到目标支付标记、目标收单设备标识和交易金额，然后查询目标支付标记对应的目标标记状态。TSP平台服务器可以在目标标记状态为异常状态的情况下，拒绝执行交易请求对应的交易；在目标标记状态为正常状态的情况下，查询与目标支付标记关联存储的目标支付卡账号，将目标支付卡账号、目标收单设备标识和交易金额发送给发卡机构服 务器，使发卡机构服务器完成交易请求对应的交易，将交易金额由目标支付卡账号转移至目标收单设备标识对应的支付卡账号中，然后将交易完成结果反馈给TSP平台服务器。TSP平台服务器在接收到交易完成结果后，可以将交易完成结果转发给目标收单设备。
在本公开实施例中，目标收单设备可以直接与TSP平台服务器通信，目标收单设备还可以通过收单平台服务器与TSP平台服务器通信，目标收单设备还可以依次通过收单平台服务器和TSM平台服务器与TSP平台服务器通信，在此不做限制。
由此，用户可以在可穿戴设备丢失后，将可穿戴设备的支付状态更改为异常状态，使可穿戴设备对应的支付标记的标记状态更改为异常状态，以在该可穿戴设备再次被用于支付时，由TSP平台服务器拒绝执行交易，避免与可穿戴设备关联的银行账户存在被盗刷，提高用户的银行账户的安全性。
在本公开一些实施例中，在拒绝执行交易请求对应的交易之后，该信息处理方法还可以包括：
根据目标标记状态，生成交易请求对应的交易反馈信息；
向目标收单设备发送交易反馈信息。
具体地，TSP平台服务器可以生成交易请求对应的交易反馈信息，使交易反馈信息内携带有目标标记状态，然后向目标收单设备发送交易反馈信息。当目标收单设备接收到交易反馈信息后，可以显示交易反馈信息所携带的目标标记状态，以向交易相关人员(收款方或付款方)展示目标可穿戴设备的目标支付状态，告知交易相关人员拒绝交易的原因。
在本公开又一个实施方式中，在S510之前，该信息处理方法还可以包括：
接收目标电子设备发送的标记生成请求；
响应于标记生成请求，对标记生成请求进行解析，得到标记生成请求信息，标记生成请求信息包括目标支付卡账号；
根据目标支付卡账号，生成目标支付标记；
将目标支付卡账号和目标支付标记关联存储。
具体地，TSP平台服务器可以接收目标电子设备发送的标记生成请求，并且对标记生成请求进行解析，得到目标支付卡账号，然后生成目标支付卡账号对应的目标支付标记，并且将目标支付卡账号和目标支付标记关联存储。
在一些实施例中，TSP平台服务器可以利用预先设置的标记生成方式，生成目标支付卡账号对应的目标支付标记。
例如，标记生成方式可以为利用预设的加密算法对目标支付卡账号的全部数字进行加密，得到加密后的加密字符串，将加密字符串作为目标支付标记。再例如，标记生成方式可以为利用预设的加密算法对目标支付卡账号的部分数字进行加密，得到加密后的加密字符串，将目标支付卡账号的未加密数字和加密字符串进行拼接，得到目标支付标记。
可选地，在生成目标支付标记之后，该信息处理方法还可以包括：
向目标电子设备发送目标支付标记，以使目标电子设备向目标可穿戴设备发送目标支付标记和目标支付标记对应的激活指令，其中，激活指令用于使目标可穿戴设备将目标支付标记加载于目标安全元件所存储的目标支付标记对应的目标个人化数据中，以及将所加载的目标支付标记激活为激活状态；
接收目标电子设备发送的激活结果，其中，激活结果用于指示目标可穿戴设备已将目标个人化数据内所加载的目标支付标记激活为激活状态；
响应于激活结果，将目标支付标记对应的目标标记状态设置为激活状态。
具体地，TSP平台服务器可以在生成目标支付标记之后，向目标电子设备发送目标支付标记，使目标电子设备确定目标支付标记对应的激活指令，并且将目标支付标记和目标支付标记对应的激活指令发送给目标可穿戴设备，并且使目标可穿戴设备将目标支付标记加载于目标安全元件所存储的目标支付标记对应的目标个人化数据中，以及将所加载的目标支付标记激活为激活状态。目标可穿戴设备在已将目标个人化数据内所加载的目标支付标记激活为激活状态之后，可以通过目标电子设备向TSP平台服务器发送用于指示目标可穿戴设备已将目标个人化数据内所加载的目标支付 标记激活为激活状态的激活结果。在TSP平台服务器接收到目标电子设备发送的激活结果之后，可以将目标支付标记对应的目标标记状态设置为激活状态，进而使目标可穿戴设备的NFC支付功能处于可用状态。
目标可穿戴设备激活目标支付标记的方法将在后文详细描述。
可选地，向目标电子设备发送目标支付标记可以具体包括：向目标电子设备发送目标支付卡账号和目标支付标记，使目标电子设备确定目标支付标记所属的目标支付卡账号，进而确定与目标支付卡账号所绑定的目标可穿戴设备，以及确定与目标支付卡账号的目标支付卡类型对应的激活指令。
在本公开一些实施例中，在将目标支付卡账号和目标支付标记关联存储之后，该信息处理方法还可以包括：
接收目标电子设备发送的账号变更请求；
响应于账号变更请求，对账号变更请求进行解析，得到账号变更请求信息，账号变更请求信息包括目标支付标记和待变更支付卡账号；
将待变更支付卡账号存储为新的目标支付卡账号。
具体地，TSP平台服务器可以接收目标电子设备发送的账号变更请求，并且对账号变更请求进行解析，得到待变更支付卡账号和待变更银行账号的目标可穿戴设备的目标安全元件内所存储的目标支付标记，然后将待变更支付卡账号替换已有的目标支付卡账号进行存储，使待变更支付卡账号作为新的目标支付卡账号，以使新的目标支付卡账号和目标支付标记关联存储，以完成对TSP平台服务器内与目标支付标记关联存储的目标银行账号的更新。
在一些实施例中，可以解除目标支付标记与原目标支付卡账号之间的关联关系，并且建立新的目标支付卡账号和目标支付标记之间的关联关系。在另一些实施例中，还可以利用新的目标支付卡账号直接覆盖原目标支付卡账号。
在本公开另一些实施例中，在将目标支付卡账号和目标支付标记关联存储之后，该信息处理方法还可以包括：
接收目标电子设备发送的标记变更请求；
响应于标记变更请求，对标记变更请求进行解析，得到标记变更请求信息，标记变更请求包括待变更支付卡账号；
根据待变更支付卡账号，生成待变更支付标记；
将待变更支付卡账号存储为新的目标支付卡账号；
将待变更支付标记存储为新的目标支付标记。
具体地，TSP平台服务器可以接收目标电子设备发送的标记变更请求，并且对标记变更请求进行解析，得到待变更支付卡账号，然后生成待变更支付卡账号对应的待变更支付标记，然后将待变更支付卡账号作为新的目标银行账号，将待变更支付标记作为新的目标支付标记，并将新的目标支付卡账号和新的目标支付标记关联存储，以完成对TSP平台服务器内存储的支付卡账号和支付标记的更新。
可选地，目标可穿戴设备曾绑定的原目标支付卡账号和该原目标支付卡账号对应的目标支付标记可以保留，也可以删除，在此不做限制。
可选地，在将待变更支付卡账号作为新的目标支付卡账号之后，该信息处理方法还可以包括：
向目标电子设备发送目标支付标记，以使目标电子设备向目标可穿戴设备发送目标支付标记和目标支付标记对应的激活指令，其中，激活指令用于使目标可穿戴设备将目标支付标记加载于目标安全元件所存储的目标支付标记对应的目标个人化数据中，以及将所加载的目标支付标记激活为激活状态；
接收目标电子设备发送的激活结果，其中，激活结果用于指示目标可穿戴设备已将目标个人化数据内所加载的目标支付标记激活为激活状态；
响应于激活结果，将目标支付标记对应的目标标记状态设置为激活状态，其中，激活状态为正常状态。
具体地，TSP平台服务器在生成待变更支付标记并将其作为新的目标支付标记之后，还可以向目标电子设备发送目标支付标记，以通过目标电子设备使目标可穿戴设备激活目标支付标记，并接收目标可穿戴设备通过电子设备反馈的激活结果，进而将目标支付标记对应的标记状态设置为激活状态。由于具体过程已在上文详细描述，在此不做赘述。
图6是本公开第一方面的的信息处理方法的另一实施例的流程示意图。
在本公开一些实施例中，图6所示的方法可以由图1至图4中所示的电子设备120执行。
如图6所示，该信息处理方法可以包括S610、接收用户输入的目标可穿戴设备的目标支付状态，其中，目标可穿戴设备为已绑定的可穿戴设备。
这里，目标可穿戴设备可以为与电子设备绑定的任意可穿戴设备。
电子设备可以安装有互联网金融平台对应的金融应用程序，用户可以在金融应用程序的应用界面内输入目标可穿戴设备的目标支付状态，目标支付状态可以为用户想要更改的目标可穿戴设备的支付状态。
具体地，目标支付状态可以包括激活状态、暂停状态、挂失状态和解绑状态中的任一种。目标支付状态可以分为正常状态和异常状态，异常状态可以包括暂停状态、挂失状态和解绑状态中的任一种，正常状态可以包括激活状态。
如图6所示，该信息处理方法还包括S620、查询目标可穿戴设备对应的目标支付标记。
在一些实施例中，目标支付标记为目标可穿戴设备的目标安全元件内所存储的支付标记。
在本公开一些实施例中，当用户在金融应用程序的应用界面内选择目标可穿戴设备以后，电子设备还可以在本地存储的至少一个已绑定的可穿戴设备对应的可穿戴设备标识中，查询该目标可穿戴设备对应的目标可穿戴设备标识，进而根据目标可穿戴设备标识，查询目标可穿戴设备目标可穿戴设备的目标安全元件内所存储的的目标支付标记。
在一些实施例中，可穿戴设备标识可以为可穿戴设备的IP地址，也可以为可穿戴设备的设备ID，设备ID可以为设备识别码。
在本公开一些实施例中，在电子设备的本地存储有至少一个支付标记的情况下，电子设备可以在本地存储的至少一个支付标记中查询与目标可穿戴设备标识关联存储的目标支付标记。
在本公开另一些实施例中，在电子设备的本地未存储有支付标记的情况下，电子设备可以根据目标可穿戴设备标识生成标记查询请求，并将标记查询请求发送至用于存储支付标记的设备，以使该设备响应于标识查询请求，为电子设备查询与目标可穿戴设备标识关联存储的目标支付标记。
在一些实施例中，在电子设备直接与TSP平台服务器通信的情况下，用于存储支付标记的设备可以为TSP平台服务器。
在另一些实施例中，在电子设备通过互联网金融平台服务器与TSP平台服务器通信的情况下，用于存储支付标记的设备可以为互联网金融平台服务器，即互联网金融平台服务器可以在接收到TSP平台服务器发送的目标支付标记之后，对目标支付标记进行存储。
可选地，TSP平台服务器还可以同时向互联网金融平台服务器发送目标银行账号和目标支付标记，以使互联网金融平台服务器确定目标支付标记所属的目标支付卡账号，并且将目标支付卡账号和目标支付标记关联存储。
如图6所示，该信息处理方法还包括S630、根据目标支付标记和目标支付状态，生成状态变更请求。
在本公开实施例中，根据目标支付标记和目标支付状态所生成的状态变更请求可以用于将目标支付标记对应的目标标记状态更新为目标支付状态。
如图6所示，该信息处理方法还包括S640、向目标服务器发送状态变更请求。
在一些实施例中，状态变更请求用于将目标服务器中存储的目标支付标记对应的目标标记状态更新为目标支付状态，目标标记状态用于在目标服务器接收到目标支付标记对应的交易请求时确定是否执行交易请求对应的交易，交易请求根据从目标安全元件中所获取的目标支付标记生成。
具体地，目标服务器可以为图1至图4中所示的TSP平台服务器。
需要说明的是，目标服务器将目标支付标记对应的目标标记状态更新为目标支付状态的方法和目标服务器确定是否执行交易请求对应的交易的方法已在上文说明，在此不做赘述。
在本公开实施例中，能够在接收到用户输入的已绑定的目标可穿戴设备的目标支付状态之后，根据目标可穿戴设备的目标安全元件内存储的目标支付标记和目标可穿戴设备的目标支付状态，生成状态变更请求，并向目标服务器发送状态变更请求，使目标服务器将其存储的目标支付标记对应的目标标记状态更新为目标支付状态，以利用目标支付标记的目标标记状态表示目标可穿戴设备的目标支付状态，实现利用对目标支付标记的目标标记状态进行更新的方式，更新目标可穿戴设备的目标支付状态，进而在接收到目标支付标记对应的交易请求时，可以根据目标支付标记的目标标记状态确定是否执行交易请求对应的交易，由此，能够通过与标可穿戴设备绑定的目标电子设备对目标可穿戴设备的目标支付状态进行更新，避免在可穿戴设备丢失后，用户无法更改可穿戴设备的支付状态的问题，进而降低与可穿戴设备关联的银行账户存在被盗刷的风险，提高用户的银行账户的安全性。
在本公开另一个实施方式中，在S610之前，该信息处理方法还可以包括：
接收用户输入的目标支付卡账号；
根据目标支付卡账号，生成标记生成请求；
向目标服务器发送标记生成请求，其中，标记生成请求用于使目标服务器生成目标支付卡账号对应的目标支付标记。
在为目标可穿戴设备绑定目标银行账号时，用户可以在金融应用程序的应用界面内输入想要为目标可穿戴设备绑定的目标支付卡账号，电子设备可以根据目标支付卡账号，生成标记生成请求，然后向TSP平台服务器发送标记生成请求，使TSP平台服务器响应于标记生成请求，生成目标支付卡账号对应的目标支付标记。
在一些实施例中，TSP平台服务器生成目标支付卡账号对应的目标支付标记的方法已在上文说明，在此不做赘述。
由此，用户可以完成对目标可穿戴设备和目标支付卡账号的绑定设置。
可选地，在向目标服务器发送标记生成请求之后，该信息处理方法还 可以包括：
接收目标服务器发送的目标支付标记；
向目标可穿戴设备发送目标支付标记和目标支付标记对应的激活指令，其中，激活指令用于使目标可穿戴设备将目标支付标记加载于目标安全元件所存储的目标支付标记对应的目标个人化数据中，以及将所加载的目标支付标记激活为激活状态；
接收目标可穿戴设备发送的激活结果，其中，激活结果用于指示目标可穿戴设备已将目标个人化数据内所加载的目标支付标记激活为激活状态；
向目标服务器发送激活结果。
在电子设备向TSP平台服务器发送标记生成请求之后，可以接收TSP平台服务器发送的目标支付标记，并且将目标支付标记发送给目标可穿戴设备，使目标可穿戴设备在其目标安全元件内存储的目标个人化数据中家长在该目标支付标记，并激活目标支付标记。在目标可穿戴设备将目标个人化数据内所加载的目标支付标记激活为激活状态后，可以向目标电子设备反馈激活结果。电子设备接收到目标可穿戴设备反馈的激活结果后，可以将激活结果转发给TSP平台服务器，使TSP平台服务器将目标支付标记对应的目标标记状态设置为激活状态。
可选地，TSP平台服务器还可以同时向电子设备发送目标支付卡账号和目标支付标记，以使电子设备确定目标支付标记所属的目标支付卡账号。
在一些实施例中，目标可穿戴设备可以将目标支付标记存储在目标个人化数据内，以使收单设备可以读取目标个人化数据，进而获取到目标个人化数据内的目标支付标记。
可选地，在接收用户输入的目标支付卡账号之前，该信息处理方法还可以包括：
向目标可穿戴设备发送多套个人化数据，其中，每套个人化数据对应的一个支付卡类型；
相应地，向目标可穿戴设备发送目标支付标记和目标支付标记对应的 激活指令之前，该信息处理方法还可以包括：
获取目标支付标记对应的目标支付卡账号的目标支付卡类型；
相应地，向目标可穿戴设备发送目标支付标记和目标支付标记对应的激活指令可以具体包括：
向目标可穿戴设备发送目标支付标记和目标支付卡类型对应的激活指令；
在一些实施例中，目标个人化数据为目标支付卡类型对应的个人化数据。
具体地，电子设备与目标可穿戴设备可以首先进行蓝牙配对以实现绑定，并向目标可穿戴设备发送多套个人化数据，一套个人化数据对应一个激活指令。然后，用户可以在金融应用程序的应用界面内输入想要为目标可穿戴设备绑定的目标支付卡账号，电子设备可以根据目标支付卡账号，生成标记生成请求，然后TSP平台服务器发送标记生成请求，使TSP平台服务器响应于标记生成请求，生成目标支付卡账号对应的目标支付标记。在电子设备向TSP平台服务器发送标记生成请求之后，可以接收TSP平台服务器发送的目标支付标记，并且获取目标支付标记对应的目标支付卡账号的目标支付卡类型，然后，查询目标支付卡类型对应的激活指令，并且将目标支付标记和和目标支付标记对应的激活指令发送给目标可穿戴设备，使目标可穿戴设备可以响应于激活指令，将目标支付标记加载至目标支付卡类型对应的目标个人化数据内并激活目标个人化数据，进而实现对目标支付标记的激活。
可选地，向目标可穿戴设备发送多套个人化数据可以具体包括：向目标可穿戴设备发送多套个人化数据和个人化数据激活程序。由此，当目标可穿戴设备接收到激活指令后，可以通过个人化数据激活程序执行激活操作，即通过个人化数据激活程序将目标支付标记加载至目标银行卡类型对应的目标个人化数据内并激活目标个人化数据，进而实现对目标支付标记的激活。
可选地，在向目标可穿戴设备发送多套个人化数据之前，该信息处理方法还可以包括：
获取目标可穿戴设备的目标安全元件的存储状态；
在存储状态为可下载状态的情况下，向目标可穿戴设备发送多套个人化数据；
在存储状态为满载状态的情况下，拒绝向目标可穿戴设备发送多套个人化数据。
具体地，电子设备可以获取表征目标安全元件的存储状态的满载状态值，并且并根据满载状态值判断目标安全元件的存储状态。在满载状态值表征满载的情况下，确定存储状态为满载状态，在满载状态值表征不满足的情况下，确定存储状态为可下载状态。
由此，本公开实施例可以实现对目标可穿戴设备的目标安全元件的存储状态的查询，在目标可穿戴设备可下载的前提下向目标可穿戴设备发送多套个人化数据，提高激活目标可穿戴设备的NFC支付功能的可靠性。
在本公开一些实施例中，在向目标服务器发送标记生成请求之后，该信息处理方法还可以包括：
接收用户输入的待变更支付卡账号；
查询目标可穿戴设备对应的目标支付标记；
根据目标支付标记和待变更支付卡账号，生成账号变更请求；
向目标服务器发送账号变更请求，其中，账号变更请求用于使目标服务器将待变更支付卡账号存储为新的目标支付卡账号。
在为目标可穿戴设备变更所绑定的支付卡账号时，用户可以在金融应用程序的应用界面内输入想要为目标可穿戴设备变更的待变更支付卡账号，电子设备可以根据目标支付标记和待变更支付卡账号，生成账号变更请求，然后向TSP平台服务器发送账号变更请求，使TSP平台服务器响应于账号变更请求，生成改变与目标支付标记关联存储的支付卡账号。
在一些实施例中，TSP平台服务器改变与目标支付标记关联存储的支付卡账号的方法已在上文说明，在此不做赘述。
由此，用户可以完成对与目标可穿戴设备绑定的支付卡账号的变更设置。
可选地，在查询目标可穿戴设备对应的目标支付标记之前，该信息处 理方法还可以包括：
获取待变更支付卡账号的待变更支付卡类型和目标支付卡账号的目标支付卡类型；
相应地，查询目标可穿戴设备对应的目标支付标记可以具体包括：
在待变更支付卡类型与目标支付卡类型相同的情况下，查询目标可穿戴设备对应的目标支付标记。
在为目标可穿戴设备变更所绑定的银行账号时，用户想要变更的待变更支付卡账号的待变更支付卡类型可能与为目标可穿戴设备已绑定的目标支付卡账号的目标支付卡类型相同或不同，由于不同的支付卡类型对应不同的个人化数据，因此，需要先获取待变更支付卡账号的待变更支付卡类型和目标支付卡账号的目标支付卡类型，然后判断待变更支付卡类型和目标支付卡类型是否相同，如果相同则可以查询目标可穿戴设备对应的目标支付标记，并直接将TSP平台服务器中与目标支付标记关联存储的支付卡账号改变为待变更支付卡账号。
可选地，在获取待变更支付卡账号对应的待变更支付卡类型和目标支付卡账号对应的目标支付卡类型之后，该信息处理方法还可以包括：
在待变更支付卡类型与目标支付卡类型不相同的情况下，根据待变更支付卡账号，生成标记变更请求；
向目标服务器发送标记变更请求，其中，标记变更请求用于使目标服务器生成待变更支付卡账号对应的待变更支付标记，并且将待变更支付标记作为新的目标支付标记，以及将待变更支付卡账号作为新的目标支付卡账号。
具体地，如果待变更支付卡类型与目标支付卡类型不相同，则可以根据待变更支付卡账号生成标记变更请求，并且将标记变更请求发送至TSP平台服务器，使TSP平台服务器将待变更支付卡账号作为新的目标支付卡账号，并且生成新的目标支付卡账号对应的新的目标支付标记，然后向电子设备反馈新的目标支付标记。
在本公开另一些实施例中，在向目标服务器发送标记生成请求之后，该信息处理方法还可以包括：
接收用户输入的待变更支付卡账号；
根据待变更支付卡账号，生成标记变更请求；
向目标服务器发送标记变更请求，其中，标记变更请求用于使目标服务器生成待变更支付卡账号对应的待变更支付标记，并且将待变更支付标记作为新的目标支付标记，以及将待变更支付卡账号作为新的目标支付卡账号。
具体地，无论待变更支付卡类型和目标支付卡类型是否相同，电子设备均可以根据待变更支付卡账号生成标记变更请求，并且将标记变更请求发送至TSP平台服务器，使TSP平台服务器将待变更支付卡账号作为新的目标支付卡账号，并且生成新的目标支付卡账号对应的新的目标支付标记，然后向电子设备反馈新的目标支付标记。
可选地，在向目标服务器发送标记变更请求之后，该信息处理方法还可以包括：
接收目标服务器发送的目标支付标记；
向目标可穿戴设备发送目标支付标记和目标支付标记对应的激活指令，其中，激活指令用于使目标可穿戴设备将目标支付标记加载于目标安全元件所存储的目标支付标记对应的目标个人化数据中，以及将所加载的目标支付标记激活为激活状态；
接收目标可穿戴设备发送的激活结果，其中，激活结果用于指示目标可穿戴设备已将目标个人化数据内所加载的目标支付标记激活为激活状态；
向目标服务器发送激活结果。
在电子设备向TSP平台服务器发送标记变更请求之后，可以接收TSP平台服务器发送的新的目标支付标记，并且将新的目标支付标记和新的目标支付标记对应的激活指令发送给目标可穿戴设备，使目标可穿戴设备将目标支付标记加载于目标安全元件所存储的目标支付标记对应的目标个人化数据中，以及将所加载的目标支付标记激活为激活状态，然后接收目标可穿戴设备反馈的激活结果，并将激活结果转发给TSP平台服务器，使TSP平台服务器将新的目标支付标记的目标标记状态设置为激活状态。
在一些实施例中，在目标可穿戴设备所绑定的新的目标支付卡账号与原目标支付卡账号的支付卡类型相同的情况下，在向目标安全元件所存储的目标支付标记对应的目标个人化数据中加载新的目标支付标记，可以直接利用新的目标支付标记覆盖原目标支付标记。
在另一些实施例中，在目标可穿戴设备所绑定的新的目标支付卡账号与原目标支付卡账号的支付卡类型不相同的情况下，在激活新的目标个人化数据以及新的目标支付标记之后，还应该将原目标个人化数据和原目标支付标记设置为非激活状态或者将原目标个人化数据中的原目标支付标记删除，以使目标可穿戴设备中仅有一个处于激活状态的目标支付标记。
下面，将以图7至图9为例，对本公开实施例提供的信息处理的各个过程进行详细说明。
图7是本公开第一方面的信息处理方法的实施例的开通支付功能过程的流程示意图。如图7所示，该开通支付功能过程包括：
S701、用户打开金融应用程序的应用界面，在金融应用程序的应用界面选择要开通NFC支付功能的可穿戴设备，使电子设备与可穿戴设备完成蓝牙配对；
S702、查询表征eSE的存储状态的满载状态值；
S703、接收满载状态值，根据满载状态值判断可穿戴设备的eSE的存储状态；
S704、若存储状态为可下载状态，向目标可穿戴设备的eSE发送加载数据，其中，加载数据包括两套个人化数据和个人化数据激活程序，一套个人化数据对应贷记卡类型，一套个人化数据对应借记卡类型；
S705、用户在应用界面中选择一张银行卡作为与可穿戴设备绑定的默认卡，使电子设备获取默认卡对应的银行卡账号，并根据银行卡账号生成标记生成请求；
S706、电子设备向互联网金融平台服务器发送标记生成请求；
S707、互联网金融平台服务器向TSM平台服务器发送标记生成请求；
S708、TSM平台服务器向TSP平台服务器发送标记生成请求；
S709、TSP平台服务器响应于标记生成请求，生成银行卡账号对应的支付标记，并将银行卡账号与支付标记关联存储；
S710、TSP平台服务器向TSM平台服务器发送银行卡账号对应的支付标记；
S711、TSM平台服务器向互联网金融平台服务器发送银行卡账号对应的支付标记；
S712、互联网金融平台服务器将银行卡账号和支付标记关联存储，并且向电子设备发送银行卡账号对应的支付标记；
S713、电子设备向可穿戴设备发送支付标记和默认卡的银行卡类型对应的激活指令；
S714、目标可穿戴设备的eSE内的个人化数据激活程序执行激活指令，将支付标记写入该银行卡类型对应的个人化数据并且激活该个人化数据，以激活支付标记，并且在激活完成后向电子设备发送激活结果；
S715、电子设备向互联网金融平台服务器发送激活结果；
S716、互联网金融平台服务器向TSM平台服务器发送激活结果；
S717、TSM平台服务器向TSP平台服务器发送激活结果；
S718、TSP平台服务器响应于激活结果，将支付标记的标记状态设置为激活状态；
S719、TSP平台服务器向TSM平台服务器发送设置结果；
S720、TSM平台服务器向互联网金融平台服务器发送设置结果；
S721、互联网金融平台服务器向电子设备发送设置结果；
S722、电子设备显示设置结果，以提示用户目标可穿戴设备的NFC支付功能支付成功。
图8是本公开第一方面的信息处理方法的实施例的修改绑定支付卡账号过程的流程示意图。如图8所示，该修改绑定支付卡账号过程包括：
S801、用户在应用界面中选择一张银行卡作为新的与可穿戴设备绑定的默认卡，使电子设备获取新的默认卡对应的待变更银行卡账号，并根据待变更银行卡账号生成标记变更请求；
S802、电子设备向互联网金融平台服务器发送标记变更请求；
S803、互联网金融平台服务器向TSM平台服务器发送标记变更请求；
S804、TSM平台服务器向TSP平台服务器发送标记变更请求；
S805、TSP平台服务器响应于标记变更请求，生成待变更银行卡账号对应的待变更支付标记，并将待变更银行卡账号作为新的银行卡账号，将待变更支付标记作为新的支付标记，将新的银行卡账号和新的支付标记关联存储；
S806、TSP平台服务器向TSM平台服务器发送新的银行卡账号对应的新的支付标记；
S807、TSM平台服务器向互联网金融平台服务器发送新的银行卡账号对应的新的支付标记；
S808、互联网金融平台服务器向电子设备发送新的银行卡账号对应的新的支付标记；
S809、电子设备向可穿戴设备发送新的支付标记和新的默认卡的银行卡类型对应的激活指令；
S810、目标可穿戴设备的eSE内的个人化数据激活程序执行激活指令，将新的支付标记写入该银行卡类型对应的个人化数据并且激活该个人化数据，以激活新的支付标记，并且在激活完成后向电子设备发送激活结果；
S811、电子设备向互联网金融平台服务器发送激活结果；
S812、互联网金融平台服务器向TSM平台服务器发送激活结果；
S813、TSM平台服务器向TSP平台服务器发送激活结果；
S814、TSP平台服务器响应于激活结果，将新的支付标记的标记状态设置为激活状态；
S815、TSP平台服务器向TSM平台服务器发送设置结果；
S816、TSM平台服务器向互联网金融平台服务器发送设置结果；
S817、互联网金融平台服务器向电子设备发送设置结果；
S818、电子设备显示设置结果，以提示用户默认卡更新成功。
图9是本公开第一方面的信息处理方法的实施例的解绑支付卡账号过 程的流程示意图。如图9所示，该解绑支付卡账号过程包括：
S901、用户在应用界面中点击对可穿戴设备的解绑功能，使电子设备查询可穿戴设备的安全元件中存储的支付标记，生成并生成支付标记对应的解绑请求；
S902、电子设备向互联网金融平台服务器发送解绑请求；
S903、互联网金融平台服务器向TSM平台服务器发送解绑请求；
S904、TSM平台服务器向TSP平台服务器发送解绑请求；
S905、TSP平台服务器响应于解绑请求，获取解绑请求中的待解绑的支付标记，并将该支付标记的标记状态更新为解绑状态；
S906、TSP平台服务器向TSM平台服务器发送更新结果；
S907、TSM平台服务器向互联网金融平台服务器发送更新结果；
S908、互联网金融平台服务器向电子设备发送更新结果；
S909、电子设备显示更新结果，以提示用户可穿戴设备解绑成功。在可穿戴设备解绑成功之后，如果TSP平台服务器接收到收单设备发送的该支付标记对应的交易请求后，可以在查询到该支付标记的标记状态为解绑状态时，拒绝该交易请求对应的交易。
需要说明的是，用户点击解绑功能后，能够使TSP平台服务器内存储的支付标记的标记状态更新为解绑状态。用户还可以点击暂停功能，使TSP平台服务器内存储的支付标记的标记状态更新为暂停状态。用户页可以点击挂失功能，使TSP平台服务器内存储的支付标记的标记状态更新为挂失状态。具体地，暂停NFC支付功能的过程和挂失可穿戴设备的过程与解绑可穿戴设备和支付卡账号的过程相似，在此不做赘述。
另外，用户在将TSP平台服务器内存储的支付标记的标记状态更新为解绑状态、挂失状态和暂停状态之后，还可以点击重新绑定功能、取消挂失功能和恢复功能，使TSP平台服务器内存储的支付标记的标记状态重新更新为激活状态，其过程与解绑支付卡账号过程相似，在此不做赘述。
由此，在本公开实施例中，对TSP平台服务器内存储的支付标记的标记状态进行更改后，无需更改可穿戴设备中的支付标记的标记状态，也无需删除可穿戴设备中的支付标记，但利用该可穿戴设备进行交易时，可以 由于TSP平台服务器内存储的支付标记的标记状态导致交易失败，进而在可穿戴设备无法与电子设备蓝牙通信的情况下，改变可穿戴设备的支付状态。
图10是本公开第二方面的信息处理装置的实施例的结构示意图。
在本公开一些实施例中，图10所示的装置可以为图1至图4中所示的TSP平台服务器140，也可以为图1至图4中所示的TSP平台服务器140中的功能模块。
如图10所示，该信息处理装置1000可以包括：
第一接收模块1010，用于接收目标电子设备发送的状态变更请求；
第一解析模块1020，用于响应于状态变更请求，对状态变更请求进行解析，得到状态变更请求信息；其中，状态变更请求信息包括目标支付标记和目标可穿戴设备的目标支付状态，目标可穿戴设备为与目标电子设备绑定的可穿戴设备，目标可穿戴设备的目标安全元件内存储有目标支付标记；
第一处理模块1030，用于将目标支付标记对应的目标标记状态更新为目标支付状态；其中，目标标记状态用于在接收到目标支付标记对应的交易请求时确定是否执行交易请求对应的交易，交易请求根据从目标安全元件中所获取的目标支付标记生成。
在本公开实施例中，能够在接收到目标电子设备发送的状态变更请求之后，解析状态变更请求中的与目标电子设备绑定的目标可穿戴设备的目标安全元件中所存储的目标支付标记和该目标可穿戴设备的目标支付状态，并且将目标支付标记对应的目标标记状态更新为目标支付状态，以利用目标支付标记对应的目标标记状态表示目标可穿戴设备的目标支付状态，实现利用对目标支付标记对应的目标标记状态进行更新的方式，更新目标可穿戴设备的目标支付状态，进而在接收到根据从目标可穿戴设备的目标安全元件中所获取的目标支付标记生成的交易请求时，可以根据目标支付标记对应的目标标记状态确定是否执行交易请求对应的交易，由此，能够通过与可穿戴设备绑定的电子设备对可穿戴设备的支付状态进行更新，避免在可穿戴设备丢失后，用户无法更改可穿戴设备的支付状态的问 题，进而降低与可穿戴设备关联的银行账户存在被盗刷的风险，提高用户的银行账户的安全性。
在本公开一些实施例中，该信息处理装置1000还可以包括：
第三接收模块，用于接收目标收单设备发送的交易请求，其中，交易请求根据目标收单设备从目标安全元件中所获取的目标支付标记生成；
第二解析模块，用于响应于交易请求，对交易请求进行解析，得到交易请求信息；其中，交易请求信息包括目标支付标记；
第二查询模块，用于查询目标支付标记对应的目标标记状态；
第三处理模块，用于在目标标记状态为异常状态的情况下，拒绝执行交易请求对应的交易。
在本公开一些实施例中，异常状态可以包括暂停状态、挂失状态和解绑状态中的任一种。
在本公开一些实施例中，该信息处理装置1000还可以包括：
第四处理模块，用于根据目标标记状态，生成交易请求对应的交易反馈信息；
第二发送模块，用于向目标收单设备发送交易反馈信息。
在本公开一些实施例中，该信息处理装置1000还可以包括：
第四接收模块，用于接收目标电子设备发送的标记生成请求；
第三解析模块，用于响应于标记生成请求，对标记生成请求进行解析，得到标记生成请求信息；其中，标记生成请求信息包括目标支付卡账号；
第五处理模块，用于根据目标支付卡账号，生成目标支付标记；
第一存储模块，用于将目标支付卡账号和目标支付标记关联存储。
在本公开一些实施例中，该信息处理装置1000还可以包括：
第五接收模块，用于接收目标电子设备发送的账号变更请求；
第四解析模块，用于响应于账号变更请求，对账号变更请求进行解析，得到账号变更请求信息；其中，账号变更请求信息包括目标支付标记和待变更支付卡账号；
第一更新模块，用于将待变更支付卡账号存储为新的目标支付卡账 号。
在本公开一些实施例中，该信息处理装置1000还可以包括：
第六接收模块，用于接收目标电子设备发送的标记变更请求；
第五解析模块，用于响应于标记变更请求，对标记变更请求进行解析，得到标记变更请求信息；其中，标记变更请求包括待变更支付卡账号；
第六处理模块，用于根据待变更支付卡账号，生成待变更支付标记；
第二更新模块，用于将待变更支付卡账号存储为新的目标支付卡账号；
第三更新模块，用于将待变更支付标记存储为新的目标支付标记。
在本公开一些实施例中，该信息处理装置1000还可以包括：
第三发送模块，用于向目标电子设备发送目标支付标记，以使目标电子设备向目标可穿戴设备发送目标支付标记和目标支付标记对应的激活指令，其中，激活指令用于使目标可穿戴设备将目标支付标记加载于目标安全元件所存储的目标支付标记对应的目标个人化数据中，以及将所加载的目标支付标记激活为激活状态；
第七接收模块，用于接收目标电子设备发送的激活结果，其中，激活结果用于指示目标可穿戴设备已将目标个人化数据内所加载的目标支付标记激活为激活状态；
第四更新模块，用于响应于激活结果，将目标支付标记对应的目标标记状态设置为激活状态。
需要说明的是，图10所示的信息处理装置1000可以执行图5所示的方法实施例中的各个步骤，并且实现图5所示的方法实施例中的各个过程和效果，在此不做赘述。
图11是本公开第二方面的信息处理装置的另一实施例的结构示意图。
在本公开一些实施例中，图11所示的装置可以为图1至图4中所示的电子设备110，也可以为图1至图4中所示的电子设备110中的功能模块。
如图11所示，该信息处理装置1100可以包括：
第二接收模块1110，用于接收用户输入的目标可穿戴设备的目标支付状态，目标可穿戴设备为已绑定的可穿戴设备；
第一查询模块1120，用于查询目标可穿戴设备对应的目标支付标记；其中，目标支付标记为目标可穿戴设备的目标安全元件内所存储的支付标记；
第二处理模块1130，用于根据目标支付标记和目标支付状态，生成状态变更请求；
第一发送模块1140，用于向目标服务器发送状态变更请求，其中，状态变更请求用于将目标服务器中存储的目标支付标记对应的目标标记状态更新为目标支付状态，目标标记状态用于在目标服务器接收到目标支付标记对应的交易请求时确定是否执行交易请求对应的交易，交易请求根据从目标安全元件中所获取的目标支付标记生成。
在本公开实施例中，能够在接收到用户输入的已绑定的目标可穿戴设备的目标支付状态之后，根据目标可穿戴设备的目标安全元件内存储的目标支付标记和目标可穿戴设备的目标支付状态，生成状态变更请求，并向目标服务器发送状态变更请求，使目标服务器将其存储的目标支付标记对应的目标标记状态更新为目标支付状态，以利用目标支付标记的目标标记状态表示目标可穿戴设备的目标支付状态，实现利用对目标支付标记的目标标记状态进行更新的方式，更新目标可穿戴设备的目标支付状态，进而在接收到目标支付标记对应的交易请求时，可以根据目标支付标记的目标标记状态确定是否执行交易请求对应的交易，由此，能够通过与标可穿戴设备绑定的目标电子设备对目标可穿戴设备的目标支付状态进行更新，避免在可穿戴设备丢失后，用户无法更改可穿戴设备的支付状态的问题，进而降低与可穿戴设备关联的银行账户存在被盗刷的风险，提高用户的银行账户的安全性。
在本公开一些实施例中，目标支付状态可以包括暂停状态、挂失状态和解绑状态中的任一种。
在本公开一些实施例中，该信息处理装置1100还可以包括：
第八接收模块，用于接收用户输入的目标支付卡账号；
第七处理模块，用于根据目标支付卡账号，生成标记生成请求；
第四发送模块，用于向目标服务器发送标记生成请求，其中，标记生成请求用于使目标服务器生成目标支付卡账号对应的目标支付标记。
在本公开一些实施例中，该信息处理装置1100还可以包括：
第九接收模块，用于接收用户输入的待变更支付卡账号；
第三查询模块，用于查询目标可穿戴设备对应的目标支付标记；
第八处理模块，用于根据目标支付标记和待变更支付卡账号，生成账号变更请求；
第五发送模块，用于向目标服务器发送账号变更请求，其中，账号变更请求用于使目标服务器将待变更支付卡账号存储为新的目标支付卡行账号。
在本公开一些实施例中，该信息处理装置1100还可以包括：
第一获取模块，用于获取待变更支付卡账号的待变更支付卡类型和目标支付卡账号的目标支付卡类型。
在一些实施例中，第三查询模块可以具体用于：
在待变更支付卡类型与目标支付卡类型相同的情况下，查询目标可穿戴设备对应的目标支付标记。
在本公开一些实施例中，该信息处理装置1100还可以包括：
第九处理模块，用于在待变更支付卡类型与目标支付卡类型不相同的情况下，根据待变更支付卡账号，生成标记变更请求；
第六发送模块，用于向目标服务器发送标记变更请求，其中，标记变更请求用于使目标服务器生成待变更支付卡账号对应的待变更支付标记，并且将待变更支付标记作为新的目标支付标记。
在本公开一些实施例中，该信息处理装置1100还可以包括：
第十接收模块，用于接收目标服务器发送的目标支付标记；
第七发送模块，用于向目标可穿戴设备发送目标支付标记和目标支付标记对应的激活指令，其中，激活指令用于使目标可穿戴设备将目标支付标记加载于目标安全元件所存储的目标支付标记对应的目标个人化数据 中，以及将所加载的目标支付标记激活为激活状态；
第十一接收模块，用于接收目标可穿戴设备发送的激活结果，其中，激活结果用于指示目标可穿戴设备已将目标个人化数据内所加载的目标支付标记激活为激活状态；
第八发送模块，用于向目标服务器发送激活结果。
在本公开一些实施例中，该信息处理装置1100还可以包括：
第九发送模块，用于向目标可穿戴设备发送多套个人化数据，每套个人化数据对应的一个支付卡类型；
第二获取模块，用于获取目标支付标记对应的目标支付卡账号的目标支付卡类型。
在一些实施例中，第七发送模块可以具体用于：
向目标可穿戴设备发送目标支付标记和目标支付卡类型对应的激活指令。
在一些实施例中，目标个人化数据为目标支付卡类型对应的个人化数据。
需要说明的是，图11所示的信息处理装置1100可以执行图6所示的方法实施例中的各个步骤，并且实现图6所示的方法实施例中的各个过程和效果，在此不做赘述。
图12是本公开第三方面的信息处理设备的实施例的硬件结构示意图。
信息处理设备可以包括处理器1201以及存储有计算机程序指令的存储器1202。
具体地，上述处理器1201可以包括中央处理器(CPU)，或者特定集成电路(Application Specific Integrated Circuit，ASIC)，或者可以被配置成实施本公开实施例的一个或多个集成电路。
存储器1202可以包括用于数据或指令的大容量存储器。举例来说而非限制，存储器1202可包括硬盘驱动器(Hard Disk Drive，HDD)、软盘驱动器、闪存、光盘、磁光盘、磁带或通用串行总线(Universal Serial Bus，USB)驱动器或者两个或更多个以上这些的组合。在合适的情况 下，存储器1202可包括可移除或不可移除(或固定)的介质。在合适的情况下，存储器1202可在综合网关容灾设备的内部或外部。在特定实施例中，存储器1202是非易失性固态存储器。在特定实施例中，存储器1202包括只读存储器(ROM)。在合适的情况下，该ROM可以是掩模编程的ROM、可编程ROM(PROM)、可擦除PROM(EPROM)、电可擦除PROM(EEPROM)、电可改写ROM(EAROM)或闪存或者两个或更多个以上这些的组合。
处理器1201通过读取并执行存储器1202中存储的计算机程序指令，以实现上述实施例中的任意一种信息处理方法。
在一个示例中，信息处理设备还可包括通信接口1203和总线1210。如图12所示，处理器1201、存储器1202、通信接口1203通过总线1210连接并完成相互间的通信。
通信接口1203，主要用于实现本公开实施例中各模块、装置、单元和/或设备之间的通信。
总线1210包括硬件、软件或两者，将信息处理设备的部件彼此耦接在一起。举例来说而非限制，总线可包括加速图形端口(AGP)或其他图形总线、增强工业标准架构(EISA)总线、前端总线(FSB)、超传输(HT)互连、工业标准架构(ISA)总线、无限带宽互连、低引脚数(LPC)总线、存储器总线、微信道架构(MCA)总线、外围组件互连(PCI)总线、PCI-Express(PCI-X)总线、串行高级技术附件(SATA)总线、视频电子标准协会局部(VLB)总线或其他合适的总线或者两个或更多个以上这些的组合。在合适的情况下，总线1210可包括一个或多个总线。尽管本公开实施例描述和示出了特定的总线，但本公开考虑任何合适的总线或互连。
该信息处理设备可以执行本公开实施例中的信息处理方法，从而实现结合图5至图11描述的信息处理方法和装置。
另外，结合上述实施例中的信息处理方法，本公开实施例可提供一种计算机可读存储介质来实现。该计算机可读存储介质上存储有计算机程序指令；该计算机程序指令被处理器执行时实现上述实施例中的任意一种信 息处理设备方法。所示的计算机可读存储介质的示例包括非暂态计算机可读存储介质，如只读存储器(Read-Only Memory，简称ROM)、随机存取存储器(Random Access Memory，简称RAM)、磁碟或者光盘等。
需要明确的是，本公开并不局限于上文所描述并在图中示出的特定配置和处理。为了简明起见，这里省略了对已知方法的详细描述。在上述实施例中，描述和示出了若干具体的步骤作为示例。但是，本公开的方法过程并不限于所描述和示出的具体步骤，本领域的技术人员可以在领会本公开的精神后，作出各种改变、修改和添加，或者改变步骤之间的顺序。
以上所述的结构框图中所示的功能块可以实现为硬件、软件、固件或者它们的组合。当以硬件方式实现时，其可以例如是电子电路、专用集成电路(ASIC)、适当的固件、插件、功能卡等等。当以软件方式实现时，本公开的元素是被用于执行所需任务的程序或者代码段。程序或者代码段可以存储在机器可读介质中，或者通过载波中携带的数据信号在传输介质或者通信链路上传送。“机器可读介质”可以包括能够存储或传输信息的任何介质。机器可读介质的例子包括电子电路、半导体存储器设备、ROM、闪存、可擦除ROM(EROM)、软盘、CD-ROM、光盘、硬盘、光纤介质、射频(RF)链路，等等。代码段可以经由诸如因特网、内联网等的计算机网络被下载。
还需要说明的是，本公开中提及的示例性实施例，基于一系列的步骤或者装置描述一些方法或系统。但是，本公开不局限于上述步骤的顺序，可以按照实施例中提及的顺序执行步骤，也可以不同于实施例中的顺序，或者若干步骤同时执行。
以上所述，仅为本公开的具体实施方式，所属领域的技术人员可以清楚地了解到，为了描述的方便和简洁，上述描述的系统、模块和单元的具体工作过程，可以参考前述方法实施例中的对应过程，在此不再赘述。应理解，本公开的保护范围并不局限于此，任何熟悉本技术领域的技术人员在本公开揭露的技术范围内，可轻易想到各种等效的修改或替换，这些修改或替换都应涵盖在本公开的保护范围之内。

Claims (20)

  1. 一种信息处理方法，包括：
    接收目标电子设备发送的状态变更请求；
    响应于所述状态变更请求，对所述状态变更请求进行解析，得到状态变更请求信息，其中，所述状态变更请求信息包括目标支付标记和目标可穿戴设备的目标支付状态，所述目标可穿戴设备为与所述目标电子设备绑定的可穿戴设备，所述目标可穿戴设备的目标安全元件内存储有所述目标支付标记；
    将所述目标支付标记对应的目标标记状态更新为所述目标支付状态，其中，所述目标标记状态用于在接收到所述目标支付标记对应的交易请求时确定是否执行所述交易请求对应的交易，所述交易请求根据从所述目标安全元件中所获取的所述目标支付标记生成。
  2. 根据权利要求1所述的方法，还包括：
    接收目标收单设备发送的交易请求，其中，所述交易请求根据所述目标收单设备从所述目标安全元件中所获取的所述目标支付标记生成；
    响应于所述交易请求，对所述交易请求进行解析，得到交易请求信息，所述交易请求信息包括所述目标支付标记；
    查询所述目标支付标记对应的所述目标标记状态；
    在所述目标标记状态为异常状态的情况下，拒绝执行所述交易请求对应的交易。
  3. 根据权利要求2所述的方法，其中，所述异常状态包括暂停状态、挂失状态和解绑状态中的任一种。
  4. 根据权利要求2所述的方法，其中，所述拒绝执行所述交易请求对应的交易之后，所述方法还包括：
    根据所述目标标记状态，生成所述交易请求对应的交易反馈信息；
    向所述目标收单设备发送所述交易反馈信息。
  5. 根据权利要求4所述的方法，其中，所述接收目标电子设备发送的状态变更请求之前，所述方法还包括：
    接收所述目标电子设备发送的标记生成请求；
    响应于所述标记生成请求，对所述标记生成请求进行解析，得到标记生成请求信息，所述标记生成请求信息包括目标支付卡账号；
    根据所述目标支付卡账号，生成所述目标支付标记；
    将所述目标支付卡账号和所述目标支付标记关联存储。
  6. 根据权利要求5所述的方法，其中，所述将所述目标支付卡账号和所述目标支付标记关联存储之后，所述方法还包括：
    接收所述目标电子设备发送的账号变更请求；
    响应于所述账号变更请求，对所述账号变更请求进行解析，得到账号变更请求信息，其中，所述账号变更请求信息包括所述目标支付标记和待变更支付卡账号；
    将所述待变更支付卡账号存储为新的目标支付卡账号。
  7. 根据权利要求5所述的方法，其中，所述将所述目标支付卡账号和所述目标支付标记关联存储之后，所述方法还包括：
    接收所述目标电子设备发送的标记变更请求；
    响应于所述标记变更请求，对所述标记变更请求进行解析，得到标记变更请求信息，所述标记变更请求包括待变更支付卡账号；
    根据所述待变更支付卡账号，生成所述待变更支付标记；
    将所述待变更支付卡账号存储为新的目标银行账号；
    将所述待变更支付标记存储为新的目标支付标记。
  8. 根据权利要求5或7所述的方法，还包括：
    向所述目标电子设备发送所述目标支付标记，以使所述目标电子设备向所述目标可穿戴设备发送所述目标支付标记和所述目标支付标记对应的激活指令，其中，所述激活指令用于使所述目标可穿戴设备将所述目标支付标记加载于所述目标安全元件所存储的所述目标支付标记对应的目标个人化数据中，以及将所加载的所述目标支付标记激活为激活状态；
    接收所述目标电子设备发送的激活结果，其中，所述激活结果用于指示所述目标可穿戴设备已将所述目标个人化数据内所加载的所述目标支付标记激活为激活状态；
    响应于所述激活结果，将所述目标支付标记对应的目标标记状态设置为激活状态。
  9. 一种信息处理方法，包括：
    接收用户输入的目标可穿戴设备的目标支付状态；其中，所述目标可穿戴设备为已绑定的可穿戴设备；
    查询所述目标可穿戴设备对应的目标支付标记，其中，目标支付标记为所述目标可穿戴设备的目标安全元件内所存储的支付标记；
    根据所述目标支付标记和所述目标支付状态，生成状态变更请求；
    向目标服务器发送所述状态变更请求，其中，所述状态变更请求用于将所述目标服务器中存储的所述目标支付标记对应的目标标记状态更新为所述目标支付状态，所述目标标记状态用于在所述目标服务器接收到所述目标支付标记对应的交易请求时确定是否执行所述交易请求对应的交易，所述交易请求根据从所述目标安全元件中所获取的所述目标支付标记生成。
  10. 根据权利要求9所述的方法，其中，所述目标支付状态包括暂停状态、挂失状态和解绑状态中的任一种。
  11. 根据权利要求9所述的方法，其中，所述接收用户输入的目标可穿戴设备的目标支付状态之前，所述方法还包括：
    接收所述用户输入的目标支付卡账号；
    根据所述目标支付卡账号，生成标记生成请求；
    向所述目标服务器发送所述标记生成请求，其中，所述标记生成请求用于使所述目标服务器生成所述目标支付卡账号对应的所述目标支付标记。
  12. 根据权利要求11所述的方法，其中，所述向所述目标服务器发送所述标记生成请求之后，所述方法还包括：
    接收所述用户输入的待变更支付卡账号；
    查询所述目标可穿戴设备对应的所述目标支付标记；
    根据所述目标支付标记和所述待变更支付卡账号，生成账号变更请求；
    向所述目标服务器发送所述账号变更请求，其中，所述账号变更请求用于使所述目标服务器将所述待变更支付卡账号存储为新的目标支付卡账号。
  13. 根据权利要求12所述的方法，其中，所述查询所述目标可穿戴设备对应的所述目标支付标记之前，所述方法还包括：
    获取所述待变更支付卡账号的待变更支付卡类型和所述目标支付卡账号的目标支付卡类型，
    其中，所述查询所述目标可穿戴设备对应的所述目标支付标记，包括：
    在所述待变更支付卡类型与所述目标支付卡类型相同的情况下，查询所述目标可穿戴设备对应的所述目标支付标记。
  14. 根据权利要求13所述的方法，其中，所述获取所述待变更支付卡账号对应的待变更支付卡类型和所述目标支付卡账号对应的目标支付卡类型之后，所述方法还包括：
    在所述待变更支付卡类型与所述目标支付卡类型不相同的情况下，根据所述待变更支付卡账号，生成标记变更请求；
    向所述目标服务器发送所述标记变更请求，其中，所述标记变更请求用于使所述目标服务器生成所述待变更支付卡账号对应的所述待变更支付标记，并且将所述待变更支付标记作为新的目标支付标记。
  15. 根据权利要求11或14所述的方法，还包括：
    接收所述目标服务器发送的所述目标支付标记；
    向所述目标可穿戴设备发送所述目标支付标记和所述目标支付标记对应的激活指令，其中，所述激活指令用于使所述目标可穿戴设备将所述目标支付标记加载于所述目标安全元件所存储的所述目标支付标记对应的目标个人化数据中，以及将所加载的所述目标支付标记激活为激活状态；
    接收所述目标可穿戴设备发送的激活结果，其中，所述激活结果用于指示所述目标可穿戴设备已将所述目标个人化数据内所加载的所述目标支付标记激活为激活状态；
    向所述目标服务器发送所述激活结果。
  16. 根据权利要求15所述的方法，其中，
    所述接收所述用户输入的目标支付卡账号之前，所述方法还包括：向所述目标可穿戴设备发送多套个人化数据，每套所述个人化数据对应的一个支付卡类型，
    所述向所述目标可穿戴设备发送所述目标支付标记和所述目标支付标记对应的激活指令之前，所述方法还包括：获取所述目标支付标记对应的目标支付卡账号的目标支付卡类型，
    所述向所述目标可穿戴设备发送所述目标支付标记和所述目标支付标记对应的激活指令，包括：向所述目标可穿戴设备发送所述目标支付标记和所述目标支付卡类型对应的激活指令，
    所述目标个人化数据为所述目标支付卡类型对应的个人化数据。
  17. 一种信息处理装置，包括：
    第一接收模块，用于接收目标电子设备发送的状态变更请求；
    第一解析模块，用于响应于所述状态变更请求，对所述状态变更请求进行解析，得到状态变更请求信息，其中，所述状态变更请求信息包括目标支付标记和目标可穿戴设备的目标支付状态，所述目标可穿戴设备为与所述目标电子设备绑定的可穿戴设备，所述目标可穿戴设备的目标安全元件内存储有所述目标支付标记；
    第一处理模块，用于将所述目标支付标记对应的目标标记状态更新为所述目标支付状态，其中，所述目标标记状态用于在接收到所述目标支付标记对应的交易请求时确定是否执行所述交易请求对应的交易，所述交易请求根据从所述目标安全元件中所获取的所述目标支付标记生成。
  18. 一种信息处理装置，包括：
    第二接收模块，用于接收用户输入的目标可穿戴设备的目标支付状态，其中，所述目标可穿戴设备为已绑定的可穿戴设备；
    第一查询模块，用于查询所述目标可穿戴设备对应的目标支付标记，其中，目标支付标记为所述目标可穿戴设备的目标安全元件内所存储的支付标记；
    第二处理模块，用于根据所述目标支付标记和所述目标支付状态，生 成状态变更请求；
    第一发送模块，用于向目标服务器发送所述状态变更请求，其中，所述状态变更请求用于将所述目标服务器中存储的所述目标支付标记对应的目标标记状态更新为所述目标支付状态，所述目标标记状态用于在所述目标服务器接收到所述目标支付标记对应的交易请求时确定是否执行所述交易请求对应的交易，所述交易请求根据从所述目标安全元件中所获取的所述目标支付标记生成。
  19. 一种信息处理设备，包括：处理器以及存储有计算机程序指令的存储器，
    所述处理器执行所述计算机程序指令时实现如权利要求1-16中任意一项所述的信息处理方法。
  20. 一种计算机可读存储介质，所述计算机可读存储介质上存储有计算机程序指令，所述计算机程序指令被处理器执行时实现如权利要求1-16中任意一项所述的信息处理方法。
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