CN111932244B - Information processing method, device, equipment and medium - Google Patents

Abstract

The invention discloses an information processing method, an information processing device, information processing equipment and an information processing medium. The information processing method comprises the following steps: receiving a state change request sent by target electronic equipment; responding to the state change request, analyzing the state change request to obtain state change request information comprising a target payment mark and a target payment state of target wearable equipment, wherein the target wearable equipment is wearable equipment bound with target electronic equipment, and a target security element of the target wearable equipment stores the target payment mark; updating a target mark state corresponding to the target payment mark into a target payment state, wherein the target mark state is used for determining whether to execute a transaction corresponding to the transaction request when receiving the transaction request corresponding to the target payment mark, and the transaction request is generated according to the target payment mark acquired from the target security element. According to the embodiment of the invention, the problem that the user cannot change the payment state of the wearable device after the wearable device is lost can be solved.

Description

Information processing methods, devices, equipment and media

Technical field

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

Background technique

With the development of technology, Near Field Communication (NFC) payment function has gradually become a standard configuration of wearable devices. When users are shopping or taking public transportation, they only need to bring the wearable device close to the Point of Sale (POS) terminal or the credit card machine on public transportation to complete the payment in a short time.

Although users can use wearable devices to perform payment operations more conveniently, 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 improve the security of the user’s bank account.

Contents of the invention

Embodiments of the present invention provide an information processing method, device, equipment and medium, which can solve the problem of the user being unable to change the payment status of the wearable device after the wearable device is lost.

In a first aspect, embodiments of the present invention provide an information processing method, including:

Receive the status change request sent by the target electronic device;

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

Update the target tag status corresponding to the target payment tag to the target payment status; wherein, the target tag 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 tag, and the transaction request is obtained from the target secure element according to The obtained target payment token is generated.

In a second aspect, embodiments of the present invention provide an information processing method, including:

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

Query the target payment tag corresponding to the target wearable device; wherein the target payment tag is the payment tag stored in the target secure element of the target wearable device;

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

Send a status change request to the target server; where the status change request is used to update the target tag status corresponding to the target payment tag stored in the target server to the target payment status, and the target tag status is used to receive the target payment tag corresponding to the target payment tag on the target server. When the transaction request is made, it is determined whether to execute the transaction corresponding to the transaction request. The transaction request is generated based on the target payment token obtained from the target secure element.

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

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

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

The first processing module is used to update the target mark status corresponding to the target payment mark to the target payment state; 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.

In a fourth aspect, embodiments of the present invention provide an information processing device, including:

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

The first query module 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 is used to generate a status change request based on the target payment mark and the target payment status;

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

In a fifth aspect, embodiments of the present invention provide an information processing device, which includes: a processor and a memory storing computer program instructions;

When the processor executes the computer program instructions, the information processing method as described in the first aspect or the second aspect is implemented.

In a sixth aspect, embodiments of the present invention provide a computer-readable storage medium. Computer program instructions are stored on the computer-readable storage medium. When the computer program instructions are executed by a processor, the implementation is as described in the first aspect or the second aspect. information processing methods.

The information processing method, device, equipment and medium of the embodiment of the present invention can, after receiving a status 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 status change request. The target payment mark and the target payment status of the target wearable device stored in , and the target mark status corresponding to the target payment mark is updated to the target payment status, so as to use the target mark status corresponding to the target payment mark to represent the target wearable device The target payment status is implemented by updating the target mark status corresponding to the target payment mark, updating the target payment status of the target wearable device, and then receiving the target payment obtained from the target secure element of the target wearable device. When marking the generated transaction request, it can be determined based on the target mark status corresponding to the target payment mark whether to execute the transaction corresponding to the transaction request. Therefore, the payment status of the wearable device can be updated through the electronic device bound to the wearable device. This avoids the problem that the user cannot change the payment status of the wearable device after the wearable device is lost, thereby reducing the risk of bank accounts associated with the wearable device being stolen and improving the security of the user's bank account.

Description of the drawings

In order to explain the technical solutions of the embodiments of the present invention more clearly, the drawings required to be used in the embodiments of the present invention will be briefly introduced below. For those of ordinary skill in the art, without exerting creative efforts, they can also Additional drawings can be obtained from these drawings.

Figure 1 is an architecture diagram of information processing provided by an embodiment of the present invention;

Figure 2 is an architecture diagram of information processing provided by another embodiment of the present invention;

Figure 3 is an architecture diagram of information processing provided by yet another embodiment of the present invention;

Figure 4 is an architecture diagram of information processing provided by yet another embodiment of the present invention;

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

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

Figure 7 is a schematic flow chart of the process of activating the payment function provided by an embodiment of the present invention;

Figure 8 is a schematic flowchart of the process of modifying a bound payment card account according to an embodiment of the present invention;

Figure 9 is a schematic flowchart of the process of unbinding a payment card account according to an embodiment of the present invention;

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

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

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

Detailed ways

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

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

The information processing method provided by the present invention can be applied in the architecture of Figures 1 to 4, which will be described in detail with reference to Figures 1 to 4.

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

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

Continuing to refer to FIG. 1 , each electronic device 120 can be bound to at least one wearable device 110 and communicate wirelessly, so that data can be transmitted between the electronic device 120 and the wearable device 110 bound thereto through wireless communication. . The wireless communication may be short-distance wireless communication, such as Bluetooth and wireless LAN (Wireless Fidelity, WIFI). Each electronic device 120 can also communicate with the TSP platform server 140 respectively, for causing the TSP platform server 140 to change the tag status corresponding to the payment tag stored in the secure element of the wearable device 110 bound to it, where the payment tag There is a one-to-one correspondence with the payment card account number. Each acquiring device 130 may also communicate with the TSP platform server 140 for sending a transaction request carrying the payment tag read from the wearable device 110 to the TSP platform server 140, so that the TSP platform server 140 can adjust the payment tag according to the payment tag. The corresponding payment status verifies the payment mark, and determines whether to execute the transaction corresponding to the transaction request based on the verification results. Wherein, the payment tag stored in the wearable device may be a string generated according to the payment card account number bound to the wearable device.

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

The electronic device 120 first receives the payment status of the bound designated wearable device 110 input by the user, then queries the payment token stored in the secure element of the designated wearable device 110, and then based on the queried payment token and the user input payment status, generate a status change request, and finally send the status change request to the TSP platform server 140.

After receiving the status change request sent by the electronic device 120, the TSP platform server 140 can parse the received status change request, obtain the payment tag and payment status carried in the status change request, and add the status change request to the status change request. The tag status corresponding to the carried payment tag is updated to the payment status carried in the status change request, and then can be determined based on the tag status corresponding to the payment tag when receiving a transaction request generated based on the payment tag carried in the status change request. Whether to execute the transaction corresponding to the transaction request.

Therefore, in the information processing architecture shown in Figure 1, since the wearable device has the NFC payment function, when the wearable device makes a payment, the acquiring device 130 can directly read the payment mark stored in the wearable device and send it to The TSP platform server sends a transaction request generated based on the payment tag, so that the TSP platform server determines whether to execute the transaction corresponding to the transaction request based on 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 mark. Therefore, the wearable device does not need to be connected to the Internet to implement the payment function.

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

Figure 2 shows an architecture diagram of information processing provided by another embodiment of the present invention. As shown in Figure 2, the architecture diagram may include at least one wearable device 110, at least one electronic device 120, at least one acquiring device 130, TSP platform server 140, Internet finance 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 Figure 1, and will not be described again here.

The Internet financial platform server 150 can be used to provide Internet financial services, and the acquiring platform server 160 can be used to provide acquiring services. The Internet financial platform server 150 and the acquiring platform server 160 can respectively be cloud servers or server clusters with storage and computing capabilities. functional equipment.

The electronic device 120 may be installed with a financial application program corresponding to an Internet financial platform, where the Internet financial platform may be a third-party financial platform or a card organization platform. The user can first enter the payment status of the designated wearable device 110 that has been bound in the application interface of the financial application. Then, the electronic device 120 can query the secure element of the designated wearable device 110 from the Internet financial platform server 150 The stored payment tag then generates a status change request based on the queried payment tag and the payment status input by the user, and finally sends the status change request to the TSP platform server 140 through the Internet finance platform server 150.

The acquiring device 130 may be installed with an acquiring application corresponding to the acquiring platform. 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 .

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

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

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

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

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

Among them, 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 those of the embodiment shown in Figure 3. Here, No further details will be given.

When the TSP platform server 140 determines to execute the transaction, the TSP platform server 140 can obtain the acquiring device identification and transaction amount carried in the transaction request, and query the payment card account number stored in association with the payment tag. The payment account bound to the wearable device is then sent to the card issuer server 180 to obtain the acquiring device identification, transaction amount and payment account number, so that the card issuer server 180 completes the transaction corresponding to the transaction request and transfers the transaction amount to the obtained payment account. Transfer to the payment account corresponding to the acquiring device identification, 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 sequence. Acquiring device 130 for transaction requests.

Optionally, the payment card account number can be a physical payment card account number or a virtual payment card account number. Among them, the physical payment card account number can be a physical bank card account number, and the virtual payment card account number can be an electronic bank card account number.

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

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

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

In some embodiments of the present invention, the method shown in Figure 5 may be executed by the TSP platform server 140 shown in Figures 1 to 4.

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

S510. Receive the status change request sent by the target electronic device.

The target electronic device may be any electronic device installed with a financial application program corresponding to the Internet financial platform that is communicatively connected to the TSP platform server.

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 status can include any one of activation status, suspension status, loss reporting status and unbinding status. The target payment status can be divided into normal status and abnormal status. The abnormal status can include any of the suspended status, loss reporting status and unbinding status. The normal status can include the activated status.

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

In the embodiment of the present invention, the target electronic device can directly communicate with the TSP platform server. The target electronic device can also communicate with the TSP platform server through the Internet financial platform server. The target electronic device can also communicate with the TSP platform server through the Internet financial platform server and the TSM platform server in sequence. TSP platform server communication is not restricted here.

S520. In response to the status change request, parse the status change request and obtain the status change request information.

Among them, the status change request information includes the target payment tag and the target payment status of the target wearable device. The target wearable device is a wearable device bound to the target electronic device, and the target payment tag is stored in the target secure element of the target wearable device. .

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

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

The target tag status is used to determine whether to execute the transaction corresponding to the transaction request when receiving a transaction request corresponding to the target payment tag, and the transaction request is generated based on the target payment tag obtained from the target secure element.

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

In these embodiments, optionally the TSP platform server can determine the target status value corresponding to the target payment status, and set the status bit of the target payment tag to the target status value, so as to update the target tag status corresponding to the target payment tag. Pay status for the target.

In other embodiments of the present invention, the payment mark can be stored in the personalized data, and the TSP platform server can store the personalized data. The personalized data can be provided with a status bit, and the status bit is provided with a status value. A status The value represents a payment status, and different status values represent different payment statuses.

In these embodiments, optionally, the TSP platform server can determine the target status value corresponding to the target payment status, and set the status bit in the target personalized data to which the target payment tag belongs to the target status value, so as to achieve the target The target mark status corresponding to the payment mark is updated to the target payment state.

Among them, the personalized data can be a personalized application identifier (AID), which is composed of a string. The personalized AID contains a universal string, a payment tag and a status value. The payment tag is also composed of a string. The payment Tag and status values can follow the generic string.

For example, a common string for a personalized AID could be: A000000333 010102 00 63020000 010000. Among them, the first 10 digits can be fixed strings, and the 11th to 16th digits can be used to indicate the payment card type. For example, the debit card type is 010101, the credit card type is 010102, the quasi-credit card type is 010103, and the 17th- The 18th digit can indicate the application type, such as 00 for financial applications and 01 for non-financial applications. The 19th to 26th digits can be the organization code of the application provider. The 27th to 28th digits can be extended to, and its functions can be customized. Bits 29-32 can indicate the chip card type, such as PBOC2.0 type is 0000, PBOC3.0 type is 1000.

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

In the embodiment of the present invention, after receiving the status change request sent by the target electronic device, it is possible to parse the target payment tag and the target payment tag stored in the target secure element of the target wearable device bound to the target electronic device in the status change request. The target payment status of the target wearable device, and the target tag status corresponding to the target payment tag is updated to the target payment status, so as to use the target tag status corresponding to the target payment tag to represent the target payment status of the target wearable device, and realize the utilization of the target The target tag status corresponding to the payment tag is updated to update the target payment status of the target wearable device, and then when a transaction request generated based on the target payment tag obtained from the target secure element of the target wearable device is received, Determine whether to execute the transaction corresponding to the transaction request based on the target mark status corresponding to the target payment mark. Therefore, the payment status of the wearable device can be updated through the electronic device bound to the wearable device to avoid the loss of the wearable device. The problem that users cannot change the payment status of wearable devices reduces the risk of bank accounts associated with wearable devices being stolen and improves the security of users' bank accounts.

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

Receive a transaction request sent by the target acquiring device; wherein the transaction request is generated based on the target payment token obtained by the target acquiring device from the target secure element;

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

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

When the target mark status is abnormal, the transaction corresponding to the transaction request is refused to be executed.

The target acquiring device may be any acquiring device that is connected to the TSP platform server and has an acquiring application corresponding to the acquiring platform installed.

Specifically, when the user uses the target wearable device to pay, the target acquiring device can read the target payment mark stored in the target secure element of the target wearable device, and the target acquiring device can read the target payment mark according to the target payment mark and the target acquiring device. The device's target acquiring device identification and transaction amount generate a transaction request, and then send the transaction request to the TSP platform server.

The target acquiring device identifier may be an Internet Protocol (IP) address identified by the target acquiring device, or may be a device identity document (Identity document, ID) identified by the target acquiring device, and the device ID may be a device Identifier.

The TSP platform server can receive the transaction request sent by the target acquiring device, parse the transaction request, obtain the target payment mark, the target acquiring device identification and the 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 pay the target The card account number, target acquiring device identification and transaction amount are sent to the card issuer server, so that the card issuer server completes the transaction corresponding to the transaction request and transfers the transaction amount from the target payment card account to the payment card account corresponding to the target acquiring device identification. 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.

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

Therefore, after the wearable device is lost, the user can change the payment status of the wearable device to an abnormal state, and change the mark status of the payment tag corresponding to the wearable device to an abnormal state, so that when the wearable device is used again When paying, the TSP platform server refuses to execute the transaction, preventing the bank account associated with the wearable device from being stolen and improving the security of the user's bank account.

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

Generate transaction feedback information corresponding to the transaction request based on the target tag status;

Send transaction feedback information to the target acquiring device.

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

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

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

In response to the tag generation request, parse the tag generation request to obtain tag generation request information; wherein the tag generation request information includes the target payment card account number;

Generate a target payment mark based on the target payment card account number;

Associate and store the target payment card account number and the target payment tag.

Specifically, the TSP platform server can receive the tag generation request sent by the target electronic device, parse the tag generation request, obtain the target payment card account number, and then generate the target payment tag corresponding to the target payment card account number, and combine the target payment card account number and Target payment tag associated storage.

Among them, the TSP platform server can use a preset mark generation method to generate a target payment mark corresponding to the target payment card account number.

For example, the mark generation method can be to use a preset encryption algorithm to encrypt all the numbers of the target payment card account number, obtain an encrypted encrypted string, and use the encrypted string as the target payment mark. For another example, the mark generation method can be to use a preset encryption algorithm to encrypt part of the digits of the target payment card account number to obtain an encrypted encrypted string, and then splice the unencrypted digits of the target payment card account number and the encrypted string to obtain Target payout tag.

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

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 cause the target wearable device to load the target payment mark into the target In the target personalized data corresponding to the target payment tag stored in the secure element, and activating the loaded target payment tag into an activated state;

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

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

Specifically, the TSP platform server can, after generating the target payment mark, 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. Give the target wearable device, and cause the target wearable device to load the target payment tag into the target personalized data corresponding to the target payment tag stored in the target secure element, and activate the loaded target payment tag into an activated state. After the target wearable device has activated the target payment tag loaded in the target personalized data to the activated state, the target wearable device can send a message to the TSP platform server through the target electronic device indicating that the target wearable device has loaded the target personalized data in the active state. The target payment mark is activated as the activation result of the activated state. After the TSP platform server receives the activation result sent by the target electronic device, the target mark status corresponding to the target payment mark can be set to the activated state, thereby making the NFC payment function of the target wearable device available.

Among them, the method for the target wearable device to activate the target payment mark will be described in detail later.

Optionally, sending the target payment mark to the target electronic device may specifically include: sending the target payment card account number and the target payment mark to the target electronic device, so that the target electronic device determines the target payment card account 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.

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

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

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

Store the payment card account number to be changed as the new target payment card account number.

Specifically, the TSP platform server can receive the account change request sent by the target electronic device, and parse the account change request to obtain the target stored in the target secure element of the target wearable device of the payment card account to be changed and the bank account 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 stored in association, To complete the update of the target bank account number stored in the TSP platform server in association with the target payment tag.

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

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

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

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

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

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

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

Specifically, the TSP platform server can receive the mark change request sent by the target electronic device, parse the mark change request, obtain the payment card account number to be changed, and then generate the payment mark to be changed corresponding to the payment card account number to be changed, and then add the payment mark to be changed to the payment card account number 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, and the new target payment card account number and the new target payment mark are associated and stored to complete the payment card storage in the TSP platform server. Updates to account numbers and payment tokens.

Optionally, the original target payment card account that has been bound to the target wearable device and the target payment mark corresponding to the original target payment card account can be retained or deleted, without limitation here.

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

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 cause the target wearable device to load the target payment mark into the target In the target personalized data corresponding to the target payment tag stored in the secure element, and activating the loaded target payment tag into an activated state;

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

In response to the activation result, the target mark status corresponding to the target payment mark is set to the activated state; wherein the activation state is the normal state.

Specifically, after the TSP platform server generates the payment mark to be changed and uses it as a new target payment mark, it can also send the target payment mark to the target electronic device, so that the target wearable device activates the target payment mark through the target electronic device, and Receive the activation result fed back by the electronic device from the target wearable device, and then set the mark status corresponding to the target payment mark to the activated state. Since the specific process has been described in detail above, it will not be described again here.

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

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

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

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

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

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

Specifically, the target payment status may include any one of activation status, suspension status, loss reporting status, and unbinding status. The target payment status can be divided into normal status and abnormal status. The abnormal status can include any of the suspended status, loss reporting status and unbinding status. The normal status can include the activated status.

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

Wherein, the target payment tag is a payment tag stored in the target secure element of the target wearable device.

In some embodiments of the present invention, after the user selects the target wearable device in the application interface of the financial application, the electronic device can also store the wearable device identification corresponding to at least one bound wearable device locally, Query the target wearable device identification corresponding to the target wearable device, and then query the target payment tag stored in the target secure element of the target wearable device according to the target wearable device identification.

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

In some embodiments of the present invention, if at least one payment token is stored locally on the electronic device, the electronic device may query the at least one payment token stored locally for the target payment token stored in association with the target wearable device identification.

In other embodiments of the present invention, when the payment token is not stored locally on the electronic device, the electronic device may generate a token query request based on the target wearable device identification, and send the token query request to the server for storing the payment token. A device, such that the device queries the electronic device for a target payment token stored in association with the target wearable device identification in response to the identification query request.

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

In other embodiments, in the case where the electronic device communicates with the TSP platform server through the Internet financial platform server, the device used to store the payment token may be the Internet financial platform server, that is, the Internet financial platform server may receive the request from the TSP platform server. After sending the target payment token, the target payment token is stored.

Optionally, the TSP platform server can also send the target bank account number and the target payment tag 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 tag belongs, and combines the target payment card account number and the target payment tag. Tag associative storage.

S630. Generate a status change request based on the target payment mark and the target payment status.

In the embodiment of the present invention, the status change request generated according to the target payment mark and the target payment status can be used to update the target mark status corresponding to the target payment mark to the target payment status.

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

Among them, the status change request is used to update the target tag status corresponding to the target payment tag stored in the target server to the target payment status, and the target tag status is used to determine whether to execute when the target server receives the transaction request corresponding to the target payment tag. The transaction corresponding to the transaction request. The transaction request is generated based on the target payment token obtained from the target secure element.

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

It should be noted that the method for the target server to update the target mark status 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 explained above and will not be described in detail here.

In the embodiment of the present invention, after receiving the target payment status of the bound target wearable device input by the user, the target payment tag stored in the target secure element of the target wearable device and the target of the target wearable device can be processed. 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 tag status corresponding to the target payment tag it stores to the target payment status, so as to use the target tag status of the target payment tag to indicate that the target can The target payment status of the wearable device is implemented by updating the target tag status of the target payment tag to update the target payment status of the target wearable device. Then, when receiving a transaction request corresponding to the target payment tag, the target payment tag can be updated according to the target payment tag. The target tag status 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 to avoid the user's failure after the wearable device is lost. The problem of being unable to change the payment status of wearable devices reduces the risk of bank accounts associated with wearable devices being stolen and improves the security of users' bank accounts.

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

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

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

Send a tag generation request to the target server; wherein the tag generation request is used to cause the target server to generate a target payment tag corresponding to the target payment card account number.

When binding the target bank account to the target wearable device, the user can enter the target payment card account number that he wants to bind to the target wearable device in the application interface of the financial application. The electronic device can generate a mark based on the target payment card account number. Generate a request, and then send a tag generation request to the TSP platform server, so that the TSP platform server responds to the tag generation request and generates a target payment tag corresponding to the target payment card account number.

Among them, the method for the TSP platform server to generate the target payment mark corresponding to the target payment card account has been explained above and will not be described in detail here.

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

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

Receive the target payment token sent by the target server;

Send 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 cause the target wearable device to load the target payment mark into the target personalized data corresponding to the target payment mark stored in the target secure element. , and activate the loaded target payment tag to the active state;

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 tag loaded in the target personalized data to an activated state;

Send activation results to the target server.

After the electronic device sends a tag generation request to the TSP platform server, the target payment tag sent by the TSP platform server can be received, and the target payment tag is sent to the target wearable device, causing the target wearable device to store the target within its target secure element. Parents mark the target payment in their personalization data and activate the target payment flag. After the target wearable device activates the target payment tag loaded in the target personalized 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 status corresponding to the target payment mark to the activated state.

Optionally, the TSP platform server can also send the target payment card account number and the target payment tag 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 tag belongs.

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

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

Send multiple sets of personalized data to the target wearable device; each set of personalized data corresponds to a payment card type;

Accordingly, before sending the target payment mark and the activation instruction corresponding to the target payment mark to the target wearable device, the information processing method may also include:

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

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

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

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

Specifically, the electronic device and the target wearable device can first perform Bluetooth pairing to achieve binding, and send multiple sets of personalized data to the target wearable device, with one set of personalized data corresponding to one activation command. Then, the user can enter the target payment card account number that he wants to bind to the target wearable device in the application interface of the financial application. The electronic device can generate a tag generation request based on the target payment card account number, and then the TSP platform server sends a tag generation request. , causing the TSP platform server to respond to the tag generation request and generate a target payment tag corresponding to the target payment card account number. 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. Activating the instruction, and sending the target payment mark and the activation instruction corresponding to the target payment mark 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. Within the data and activate the target personalized data, thereby realizing the activation of the target payment mark.

Optionally, sending multiple sets of personalized data to the target wearable device may specifically include: sending multiple sets of personalized data and a personalized data activation program to the target wearable device. Therefore, when the target wearable device receives the activation instruction, it can 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's personalized data to activate the target payment tag.

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

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

When the storage status is downloadable, send multiple sets of personalized data to the target wearable device;

When the storage status is full, refuse to send multiple sets of personalized data to the target wearable device.

Specifically, the electronic device can obtain the full state value that characterizes the storage state of the target secure element, and determine the storage state of the target secure element based on the full state value. When the full load status value represents full load, the storage state is determined to be the full load state; when the full load status value represents unsatisfied, the storage status is determined to be the downloadable state.

Therefore, embodiments of the present invention can query the storage status 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 ability to activate the target. Reliability of NFC payment functions of wearable devices.

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

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

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

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

Send an account change request to the target server; where 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.

When changing the payment card account number bound to the target wearable device, the user can enter the payment card account number to be changed that he wants to change for the target wearable device in the application interface of the financial application. The electronic device can according to the target 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 a payment card account number that is stored in association with the target payment mark.

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

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

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

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

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

When the payment card type to be changed is the same as the target payment card type, query the target payment tag corresponding to the target wearable device.

When changing the bank account bound to the target wearable device, the payment card type to be changed of the payment card account to be changed 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 for the payment card account to be changed and the target payment card type for the target payment card account, and then determine the payment to be changed. Whether the card type and the target payment card type are the same. If they are the same, you can query the target payment tag corresponding to the target wearable device, and directly change the payment card account number stored in association with the target payment tag in the TSP platform server to the payment card account number to be changed.

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

When the payment card type to be changed is different from the target payment card type, a tag change request is generated based on the payment card account number to be changed;

Send a mark change request to the target server; where the mark change request is used to cause the target server to generate a payment mark to be changed corresponding to the payment card account number to be changed, and to use the payment mark to be changed as a new target payment mark, and to use the payment card to be changed as a new target payment mark. account number as the new target payment card account number.

Specifically, if the payment card type to be changed is not the same as the target payment card type, a tag change request can be generated based on the payment card account number to be changed, and the tag change request is sent to the TSP platform server, so that the TSP platform server changes the payment card to be changed. The 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.

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

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

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

Send a mark change request to the target server; where the mark change request is used to cause the target server to generate a payment mark to be changed corresponding to the payment card account number to be changed, and to use the payment mark to be changed as a new target payment mark, and to use the payment card to be changed as a new target payment mark. account number as the new target payment card account number.

Specifically, regardless of whether the payment card type to be changed and the target payment card type are the same, the electronic device can generate a mark change request based on the payment card account number to be changed, and send the mark change request to the TSP platform server, so that the TSP platform server will change the mark change request. 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.

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

Receive the target payment token sent by the target server;

Send 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 cause the target wearable device to load the target payment mark into the target personalized data corresponding to the target payment mark stored in the target secure element. , and activate the loaded target payment tag to the active state;

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 tag loaded in the target personalized data to an activated state;

Send activation results to the target server.

After the electronic device sends a tag change request to the TSP platform server, it can receive the new target payment tag sent by the TSP platform server, and send the new target payment tag and the activation instructions corresponding to the new target payment tag to the target wearable device, Cause the target wearable device to load the target payment tag into the target personalized data corresponding to the target payment tag stored in the target secure element, and activate the loaded target payment tag to an activated state, and then receive feedback from the target wearable device. The activation result is forwarded to the TSP platform server, so that the TSP platform server sets the target mark status of the new target payment mark to the activated state.

In some embodiments, when the new target payment card account bound to the target wearable device is of the same payment card type as the original target payment card account, the target corresponding to the target payment mark stored in the target secure element is Loading a new target payment mark into the personalized data can directly overwrite the original target payment mark with the new target payment mark.

In other embodiments, when the new target payment card account bound to the target wearable device is of a different payment card type than the original target payment card account, after activating the new target personalized data and the new target After the payment mark, the original target personalization data and the original target payment mark should also be set to 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 active. target payment mark.

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

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

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

S702. Query the full load status value representing the storage status of the eSE;

S703. Receive the full load status value, and determine the storage status of the eSE of the wearable device based on the full load status value;

S704. If the storage status is downloadable, send loading data to the eSE of the target wearable device. The loading data includes two sets of personalized data and a personalized data activation program. One set of personalized data corresponds to the credit card type, and one set of personalized data corresponds to the credit card type. Set of personalized data corresponding to debit card type;

S705. The user selects a bank card in the application interface as the default card bound to the wearable device, causing the electronic device to obtain the bank card account number corresponding to the default card and generate a tag generation request based on the bank card account number;

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

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

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

S709. The TSP platform server responds to the tag generation request, generates a payment tag corresponding to the bank card account number, and associates and stores the bank card account number with the payment tag;

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

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

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

S713. The electronic device sends the activation instruction corresponding to the payment mark and the bank card type of the default card to the wearable device;

S714. The personalized data activation program in the eSE of the target wearable device executes the activation instruction, writes the payment token into the personalized data corresponding to the bank card type and activates the personalized data to activate the payment token, and after the activation is completed Send activation results to the electronic device;

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

S716. The Internet financial platform server sends the activation result to the TSM platform server;

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

S718. The TSP platform server responds to the activation result and sets the mark status of the payment mark to the activated state;

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

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

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

S722. The electronic device displays the setting result to prompt the user that the NFC payment function of the target wearable device has been successfully paid.

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

S801. The user selects a bank card in the application interface as the new default card bound to the wearable device, causing the electronic device to obtain the bank card account number to be changed corresponding to the new default card, and generate a mark based on the bank card account number to be changed. change requests;

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

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

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

S805. In response to the tag change request, the TSP platform server generates a payment tag to be changed corresponding to the bank card account number to be changed, and uses the bank card account number to be changed as a new bank card account number, and the payment tag to be changed as a new payment tag. The new bank card account number and the new payment mark are stored in association;

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

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

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

S809. The electronic device sends a new payment mark and an activation instruction corresponding to the bank card type of the new default card to the wearable device;

S810. The personalized data activation program in the eSE of the target wearable device executes the activation instruction, writes the 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 activation results to the electronic device after activation is completed;

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

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

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

S814. The TSP platform server responds to the activation result and sets the mark status of the new payment mark to the activated state;

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

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

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

S818. The electronic device displays the setting result to prompt the user that the default card has been updated successfully.

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

S901. The user clicks on the unbinding function of the wearable device in the application interface, causing the electronic device to query the payment token stored in the secure element of the wearable device, and generate an unbinding request corresponding to the payment token;

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

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

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

S905. The TSP platform server responds to the unbundling request, obtains the payment tag to be unbundled in the unbundling request, and updates the tag status of the payment tag to the unbundled status;

S906. The TSP platform server sends the update result to the TSM platform server;

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

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

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

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

In addition, after the user updates the mark status of the payment mark stored in the TSP platform server to the unbound state, reported loss state and suspended state, the user can also click the rebind function, cancel the loss report function and restore function to make the payment mark stored in the TSP platform server The mark status of the payment mark is re-updated to the activated state. The process is similar to the process of unbinding the payment card account and will not be described in detail here.

Therefore, in the embodiment of the present invention, after changing the mark status of the payment mark stored in the TSP platform server, there is no need to change the mark status of the payment mark in the wearable device, and there is no need to delete the payment mark in the wearable device. However, when the wearable device is used for transactions, the transaction may fail due to the tag status of the payment tag stored in the TSP platform server, and then the payment status of the wearable device can be changed when the wearable device cannot communicate with the electronic device via Bluetooth.

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

In some embodiments of the present invention, the device shown in Figure 10 can be the TSP platform server 140 shown in Figures 1 to 4, or can be a functional module in the TSP platform server 140 shown in Figures 1 to 4 .

As shown in Figure 10, the information processing device 1000 may include:

The first receiving module 1010 is used to receive a status change request sent by the target electronic device;

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

The first processing module 1030 is used to update the target mark status corresponding to the target payment mark to the target payment state; wherein the target mark status is used to determine whether to execute the transaction corresponding to the transaction request when receiving a 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.

In the embodiment of the present invention, after receiving the status change request sent by the target electronic device, it is possible to parse the target payment tag and the target payment tag stored in the target secure element of the target wearable device bound to the target electronic device in the status change request. The target payment status of the target wearable device, and the target tag status corresponding to the target payment tag is updated to the target payment status, so as to use the target tag status corresponding to the target payment tag to represent the target payment status of the target wearable device, and realize the utilization of the target The target tag status corresponding to the payment tag is updated to update the target payment status of the target wearable device, and then when a transaction request generated based on the target payment tag obtained from the target secure element of the target wearable device is received, Determine whether to execute the transaction corresponding to the transaction request based on the target mark status corresponding to the target payment mark. Therefore, the payment status of the wearable device can be updated through the electronic device bound to the wearable device to avoid the loss of the wearable device. The problem that users cannot change the payment status of wearable devices reduces the risk of bank accounts associated with wearable devices being stolen and improves the security of users' bank accounts.

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

The third receiving module is used to receive a transaction request sent by the target acquiring device; wherein the transaction request is generated based on the target payment tag obtained by the target acquiring device from the target secure element;

The second parsing module is used to respond to the transaction request, parse the transaction request, and obtain the transaction request information; wherein the transaction request information includes the target payment mark;

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

The third processing module is used to refuse to execute the transaction corresponding to the transaction request when the target mark status is abnormal.

In some embodiments of the present invention, the abnormal state may include any one of the suspended state, the loss report state, and the unbind state.

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

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

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

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

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

The third parsing module is configured to respond to the tag generation request, parse the tag generation request, and obtain the tag generation request information; wherein the tag generation request information includes the target payment card account number;

The fifth processing module is used to generate a target payment mark based on the target payment card account number;

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

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

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

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

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

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

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

The fifth parsing module is used to respond to the mark change request, parse the mark change request, and obtain the 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 based on 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 the new target payment card account number;

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

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

The third sending module is used to send the target payment mark to the target electronic device, so that the target electronic device sends the target payment mark and the activation instruction corresponding to the target payment mark to the target wearable device; wherein the activation instruction is used to cause the target wearable device to Load the target payment tag into the target personalized data corresponding to the target payment tag stored in the target secure element, and activate the loaded target payment tag into an active state;

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

The fourth update module is configured to respond to the activation result and set the target mark status corresponding to the target payment mark to the activated state.

It should be noted that the information processing device 1000 shown in Figure 10 can perform each step in the method embodiment shown in Figure 5 and realize each process and effect in the method embodiment shown in Figure 5, which will not be described here. Repeat.

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

In some embodiments of the present invention, the device shown in FIG. 11 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 .

As shown in Figure 11, the information processing device 1100 may include:

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

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

The second processing module 1130 is used to generate a status change request based on the target payment mark and the target payment status;

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

In the embodiment of the present invention, after receiving the target payment status of the bound target wearable device input by the user, the target payment tag stored in the target secure element of the target wearable device and the target of the target wearable device can be processed. 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 tag status corresponding to the target payment tag it stores to the target payment status, so as to use the target tag status of the target payment tag to indicate that the target can The target payment status of the wearable device is implemented by updating the target tag status of the target payment tag to update the target payment status of the target wearable device. Then, when receiving a transaction request corresponding to the target payment tag, the target payment tag can be updated according to the target payment tag. The target tag status 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 to avoid the user's failure after the wearable device is lost. The problem of being unable to change the payment status of wearable devices reduces the risk of bank accounts associated with wearable devices being stolen and improves the security of users' bank accounts.

In some embodiments of the present invention, the target payment status may include any one of a suspension status, a loss reporting status, and an unbinding status.

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

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

The seventh processing module is used to generate a tag generation request based on the target payment card account number;

The fourth sending module is used to send a mark generation request to the target server; wherein the mark generation request is used to cause the target server to generate a target payment mark corresponding to the target payment card account number.

In some embodiments of the present invention, the information processing device 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 based on the target payment mark and the payment card account number to be changed;

The fifth sending module is used to send an account change request 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 bank account number.

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

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

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

When the payment card type to be changed is the same as the target payment card type, query the target payment tag corresponding to the target wearable device.

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

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

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

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

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

The seventh sending module is used to send 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 cause the target wearable device to load the target payment mark into the target payment stored in the target secure element. In the target personalized data corresponding to the mark, and activate the loaded target payment mark to the active state;

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

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

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

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

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

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

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

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

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

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

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

Specifically, the above-mentioned processor 1201 may include a central processing unit (CPU), or an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), or may be configured to implement one or more integrated circuits according to embodiments of the present invention.

Memory 1202 may include bulk storage for data or instructions. By way of example and not limitation, the memory 1202 may include a hard disk drive (HDD), a floppy disk drive, 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 many of the above. Storage 1202 may include removable or non-removable (or fixed) media, where appropriate. Where appropriate, the memory 1202 may be internal or external to the integrated gateway disaster recovery device. In certain embodiments, memory 1202 is non-volatile solid-state memory. In certain embodiments, memory 1202 includes read-only memory (ROM). Where appropriate, 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 these.

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

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

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

Bus 1210 includes hardware, software, or both, coupling components of the information processing device to each other. By way of example, and not limitation, 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, Infinite Bandwidth Interconnect, Low Pin Count (LPC) Bus, Memory Bus, Micro Channel Architecture (MCA) Bus, Peripheral Component Interconnect (PCI) Bus, PCI-Express (PCI-X) Bus, Serial Advanced Technology Attachment (SATA) bus, Video Electronics Standards Association Local (VLB) bus or other suitable bus or a combination of two or more of these. Where appropriate, bus 1210 may include one or more buses. Although embodiments of the invention describe and illustrate a particular bus, the invention contemplates any suitable bus or interconnection.

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

In addition, combined with the information processing method in the above embodiment, the embodiment of the present invention can 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 equipment methods in the above embodiments is implemented.

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

The functional blocks shown in the above structural block diagram can be implemented as hardware, software, firmware or a combination thereof. When implemented in hardware, it may be, for example, an electronic circuit, an application specific integrated circuit (ASIC), appropriate firmware, a plug-in, a function card, or the like. When implemented in software, elements of the invention 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 communications link via a data signal carried in a carrier wave. "Machine-readable medium" may include any medium capable of storing or transmitting information. Examples of machine-readable media 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. Code segments may be downloaded via computer networks such as the Internet, intranets, and the like.

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

The above are only specific implementations of the present invention. Those skilled in the art can clearly understand that for the convenience and simplicity of description, the specific working processes of the above-described systems, modules and units can be referred to the foregoing method embodiments. The corresponding process will not be described again here. It should be understood that the protection scope of the present invention is not limited thereto. Any person familiar with the technical field can easily think of various equivalent modifications or substitutions within the technical scope disclosed in the present invention, and these modifications or substitutions should be covered. within the protection scope of the present invention.

Claims (20)

1. An information processing method, comprising:

receiving a state change request sent by target electronic equipment;

responding to the state change request, and analyzing the state change request to obtain state change request information; the state change request information comprises a target payment mark and a target payment state of target wearable equipment, wherein the target wearable equipment is wearable equipment bound with the target electronic equipment, and a target safety element of the target wearable equipment stores the target payment mark;

Updating the target mark state corresponding to the target payment mark to the target payment state; the target mark state is used for determining whether to execute a transaction corresponding to the transaction request when the transaction request corresponding to the target payment mark is received, and the transaction request is generated according to the target payment mark acquired from the target secure element.

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

receiving a transaction request sent by target order receiving equipment; wherein the transaction request is generated from the target payment token acquired by the target acquirer from the target secure element;

responding to the transaction request, and analyzing the transaction request to obtain transaction request information; wherein the transaction request information includes the target payment tag;

inquiring the target mark state corresponding to the target payment mark;

and refusing to execute the transaction corresponding to the transaction request under the condition that the target mark state is abnormal.

3. The method of claim 2, wherein the abnormal state comprises any one of a suspended state, a loss-of-track state, and an unbinding state.

4. The method of claim 2, wherein after the refusing to perform the transaction corresponding to the transaction request, the method further comprises:

generating transaction feedback information corresponding to the transaction request according to the target mark state;

and sending the transaction feedback information to the target order receiving equipment.

5. The method of claim 4, wherein prior to receiving the state change request sent by the target electronic device, the method further comprises:

receiving a mark generation request sent by the target electronic equipment;

responding to the mark generation request, and analyzing the mark generation request to obtain mark generation request information; the mark generation request information comprises a target payment card account number;

generating the target payment mark according to the target payment card account number;

and storing the target payment card account number and the target payment mark in an associated mode.

6. The method of claim 5, wherein after the storing the target payment card account number in association with the target payment indicia, the method further comprises:

receiving an account changing request sent by the target electronic equipment;

responding to the account changing request, and analyzing the account changing request to obtain account changing request information; the account changing request information comprises the target payment mark and a payment card account to be changed;

And storing the payment card account number to be changed as a new target payment card account number.

7. The method of claim 5, wherein after the storing the target payment card account number in association with the target payment indicia, the method further comprises:

receiving a mark change request sent by the target electronic equipment;

responding to the mark change request, and analyzing the mark change request to obtain mark change request information; the mark change request comprises a payment card account number to be changed;

generating a payment mark to be changed according to the payment card account to be changed;

storing the account number of the payment card to be changed as a new target bank account number;

and storing the payment to be changed mark as a new target payment mark.

8. The method of claim 5 or 7, wherein the method further comprises:

the target payment mark is sent to the target electronic equipment, so that the target electronic equipment sends the target payment mark and an activation instruction corresponding to the target payment mark to the target wearable equipment; the activation instruction is used for enabling the target wearable device to load the target payment mark in target personalized data corresponding to the target payment mark stored by the target secure element, and activating the loaded target payment mark into an activation state;

Receiving an activation result sent by the target electronic equipment; the activation result is used for indicating that the target wearable device has activated the target payment sign loaded in the target personalized data into an activated state;

and setting a target mark state corresponding to the target payment mark as an activated state in response to the activation result.

9. An information processing method, comprising:

receiving a target payment state of target wearable equipment input by a user; the target wearable device is a bound wearable device;

inquiring a target payment mark corresponding to the target wearable device; wherein the target payment token is a payment token stored within a target secure element of the target wearable device;

generating a state change request according to the target payment sign and the target payment state;

sending the state change request to a target server; the state change request is used for updating a target mark state corresponding to the target payment mark stored in the target server into the target payment state, the target mark state is used for determining whether to execute a transaction corresponding to the transaction request when the target server receives the transaction request corresponding to the target payment mark, and the transaction request is generated according to the target payment mark acquired from the target secure element.

10. The method of claim 9, wherein the target payment state comprises any one of a suspended state, a loss-of-reporting state, and an unbinding state.

11. The method of claim 9, wherein prior to receiving the target payment status of the target wearable device for user input, the method further comprises:

receiving a target payment card account number input by the user;

generating a mark generation request according to the target payment card account;

sending the mark generation request to the target server; the mark generation request is used for enabling the target server to generate the target payment mark corresponding to the target payment card account.

12. The method of claim 11, wherein after the sending the tag generation request to the target server, the method further comprises:

receiving a payment card account number to be changed, which is input by the user;

inquiring the target payment mark corresponding to the target wearable device;

generating an account changing request according to the target payment mark and the account of the payment card to be changed;

sending the account changing request to the target server; the account changing request is used for enabling the target server to store the account of the payment card to be changed as a new target payment card account.

13. The method of claim 12, wherein prior to the querying the target payment token corresponding to the target wearable device, the method further comprises:

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

the querying the target payment mark corresponding to the target wearable device includes:

and inquiring the target payment mark corresponding to the target wearable device under the condition that the type of the payment card to be changed is the same as the type of the target payment card.

14. The method of claim 13, wherein after the obtaining the payment card type to be changed of the payment card account number to be changed and the target payment card type of the target payment card account number, the method further comprises:

generating a mark change request according to the account number of the payment card to be changed under the condition that the type of the payment card to be changed is different from the type of the target payment card;

sending the mark change request to the target server; the mark changing request is used for enabling the target server to generate a mark to be changed, corresponding to the account number of the payment card to be changed, and the mark to be changed is used as a new target payment mark.

15. The method according to claim 11 or 14, wherein the method further comprises:

receiving the target payment mark sent by the target server;

sending the target payment mark and an activation instruction corresponding to the target payment mark to the target wearable device; the activation instruction is used for enabling the target wearable device to load the target payment mark in target personalized data corresponding to the target payment mark stored by the target secure element, and activating the loaded target payment mark into an activation state;

receiving an activation result sent by the target wearable device; the activation result is used for indicating that the target wearable device has activated the target payment sign loaded in the target personalized data into an activated state;

and sending the activation result to the target server.

16. The method of claim 15, wherein prior to receiving the user-entered target payment card account, the method further comprises:

transmitting a plurality of sets of personalized data to the target wearable device; wherein each set of personalized data corresponds to one payment card type;

Before the target payment mark and the activation instruction corresponding to the target payment mark are sent to the target wearable device, the method further comprises:

acquiring a target payment card type of a target payment card account corresponding to the target payment mark;

the sending, to the target wearable device, the target payment sign and an activation instruction corresponding to the target payment sign, including:

sending the target payment mark and an activation instruction corresponding to the target payment card type to the target wearable device;

the target personalized data is personalized data corresponding to the type of the target payment card.

17. An information processing apparatus comprising:

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

the first analysis module is used for responding to the state change request and analyzing the state change request to obtain state change request information; the state change request information comprises a target payment mark and a target payment state of target wearable equipment, wherein the target wearable equipment is wearable equipment bound with the target electronic equipment, and a target safety element of the target wearable equipment stores the target payment mark;

The first processing module is used for updating the target mark state corresponding to the target payment mark into the target payment state; the target mark state is used for determining whether to execute a transaction corresponding to the transaction request when the transaction request corresponding to the target payment mark is received, and the transaction request is generated according to the target payment mark acquired from the target secure element.

18. An information processing apparatus comprising:

the second receiving module is used for receiving a target payment state of the target wearable device input by a user; the target wearable device is a bound wearable device;

the first query module is used for querying a target payment mark corresponding to the target wearable device; wherein the target payment token is a payment token stored within a target secure element of the target wearable device;

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

the first sending module is used for sending the state change request to the target server; the state change request is used for updating a target mark state corresponding to the target payment mark stored in the target server into the target payment state, the target mark state is used for determining whether to execute a transaction corresponding to the transaction request when the target server receives the transaction request corresponding to the target payment mark, and the transaction request is generated according to the target payment mark acquired from the target secure element.

19. An information processing apparatus, characterized in that the apparatus comprises: a processor and a memory storing computer program instructions;

the processor, when executing the computer program instructions, implements the information processing method of any of claims 1-16.

20. A computer-readable storage medium, wherein computer program instructions are stored on the computer-readable storage medium, which when executed by a processor, implement the information processing method according to any one of claims 1-16.