A data processing method and related device

Abstract

The embodiment of the present application provides a kind of data processing method and related equipment, wherein the method comprises: in response to data processing request, output first prompt information, first prompt information is used to indicate the location of the target area of terminal device, and it is indicated that payment medium is placed in the target area;When payment medium is placed in the target area, establish the close-range communication between payment medium and terminal device;Based on close-range communication, the medium information of payment medium is read, and the medium information includes the identification of payment medium;According to medium information, the object information of the holding object of payment medium is acquired from the historical data of payment medium;And, based on medium information and object information, data processing is executed to payment medium.The embodiment of the present application can improve the data processing efficiency of payment medium.

Description

Technical Field

[0001] This application relates to the field of Internet technology, specifically to a data processing method, a data processing device, a terminal device, a computer-readable storage medium, and a computer program product. Background Technology

[0002] With the development of internet technology, users can now perform data processing on payment media such as bank cards through applications (APPs) installed on mobile devices. However, this data processing requires users to manually input a series of media information (such as bank card number and user's name). This makes the process cumbersome and leads to low efficiency in data processing of payment media. Summary of the Invention

[0003] This application provides a data processing method and related equipment, which can improve the efficiency of data processing for payment media.

[0004] On one hand, embodiments of this application provide a data processing method, the method comprising:

[0005] In response to a data processing request, a first prompt message is output. The first prompt message is used to indicate the location of the target area of ​​the terminal device and to instruct the payment medium to be placed in the target area.

[0006] When the payment medium is placed in the target area, short-range communication is established between the payment medium and the terminal device;

[0007] The medium information of the payment medium is read based on short-range communication, and the medium information includes the identifier of the payment medium;

[0008] Based on the medium information, obtain the object information of the holder of the payment medium from the historical data of the payment medium; and,

[0009] Data processing is performed on the payment medium based on medium information and object information.

[0010] On one hand, embodiments of this application provide a data processing apparatus, the apparatus comprising:

[0011] The processing unit is configured to respond to a data processing request by outputting a first prompt message, which indicates the location of the target area of ​​the terminal device and instructs the payment medium to be placed in the target area.

[0012] The processing unit is also used to establish short-range communication between the payment medium and the terminal device when the payment medium is placed in the target area;

[0013] The processing unit is also used to read the medium information of the payment medium based on short-range communication, the medium information including the identifier of the payment medium;

[0014] The acquisition unit is used to obtain the object information of the holder of the payment medium from the historical data of the payment medium based on the medium information;

[0015] The processing unit is also used to perform data processing on the payment medium based on medium information and object information.

[0016] In one embodiment, the processing unit is further configured to:

[0017] The near-field communication hardware in the terminal device is invoked to monitor the target area.

[0018] If a payment medium is detected in the target area, it is determined that the payment medium was placed in the target area;

[0019] The target area refers to any area within the monitoring range of the near-field communication hardware; the location of the target area includes any of the following: any position on the screen of the terminal device, or any position of the terminal device.

[0020] In one embodiment, when the processing unit reads the medium information of the payment medium based on near-field communication, it may specifically be used to:

[0021] The identifier of the target application in the payment medium is obtained based on short-range communication, and the medium information is stored in the target application;

[0022] The target application is launched based on its identifier;

[0023] Send an information query command to the target application that has already been launched; and,

[0024] Receive media information returned by the launched target application in response to the information query command.

[0025] In one embodiment, the payment medium is an integrated circuit card; when the acquisition unit acquires the identifier of the target application in the payment medium based on near-field communication, it can specifically be used for:

[0026] Based on short-range communication, program query instructions are generated according to the specifications of application protocol data units;

[0027] The program query instruction is sent to the payment medium. The program query instruction is used to query the applications supported by the payment medium.

[0028] The payment medium receives a list of applications returned in response to a program query command. The list of applications includes the identifiers of one or more applications supported by the payment medium.

[0029] Retrieve the identifier of the target application from the application list.

[0030] In one embodiment, the method is applied to a first client in a terminal device; the terminal device also includes a second client, which records historical data of the payment medium.

[0031] When the processing unit retrieves the object information of the holder of the payment medium from the historical data of the payment medium based on the medium information, it can be specifically used for:

[0032] Send a first query request to the second client. The first query request carries the identifier of the payment medium. The first query request is used to request the object information of the holder of the payment medium from the historical data of the payment medium recorded by the second client.

[0033] Receive the object information returned by the second client in response to the first query request;

[0034] The historical data of the payment medium includes one or more of the following: historical payment data of the payment medium in the second client, and historical binding data of the payment medium in the second client.

[0035] In one embodiment, the processing unit is further configured to:

[0036] Check whether the first client has query permissions for the second client;

[0037] If the first client has the query permission of the second client, then the step of sending the first query request to the second client is executed;

[0038] If the first client does not have the query permission of the second client, an authorization request is output. The authorization request is used to request the first client to grant the second client query permission.

[0039] Upon receiving a confirmation operation for the authorization request, the system sets query permissions for the second client for the first client and executes the step of sending a first query request to the second client.

[0040] In one embodiment, the historical data of the payment medium includes the issuance data of the payment medium;

[0041] When the acquisition unit retrieves the object information of the holder of the payment medium from the historical data of the payment medium based on the medium information, it can be specifically used for:

[0042] Send a second query request to the payment medium issuance system. The second query request carries the identifier of the payment medium and is used to request the object information of the holder of the payment medium from the issuance data of the payment medium recorded in the issuance system.

[0043] Receive the object information returned by the issuing system in response to the second query request.

[0044] In one embodiment, the method is applied to a first client in a terminal device, the first client recording historical data of the payment medium, the historical data of the payment medium including historical binding data of the payment medium in the first client;

[0045] When the acquisition unit retrieves the object information of the holder of the payment medium from the historical data of the payment medium based on the medium information, it can be specifically used for:

[0046] Based on the medium information, retrieve the historical binding data of the payment medium in the first client from the storage space corresponding to the first client;

[0047] Obtain the object information of the holding object of the payment medium from the historical binding data in the first client.

[0048] In one embodiment, the processing unit is further configured to:

[0049] The medium information is verified. If the verification passes, the step of obtaining the object information of the holder of the payment medium from the historical data of the payment medium based on the medium information is executed.

[0050] If the verification fails, a second prompt message will be output. The second prompt message is used to prompt the reader to reread the payment medium information or to prompt the reader to replace the payment medium with a new one.

[0051] The media information may include one or more of the following: media type, media expiration date.

[0052] In one embodiment, when verifying media information, the processing unit may specifically be used to:

[0053] The correctness of the identification of the payment medium is verified using a verification algorithm;

[0054] If the verification result indicates that the identification of the payment medium is correct, then the medium information verification is successful.

[0055] In one embodiment, the media information includes the media type; when verifying the media information, the processing unit may specifically be used to:

[0056] Obtain the target media type required for data processing;

[0057] Check whether the type of the payment medium matches the type of the target medium;

[0058] If they match, the media information verification passes.

[0059] In one embodiment, the media information includes the media validity period; when verifying the media information, the processing unit may specifically be used to:

[0060] Get the current system time;

[0061] Determine if the current system time is within the media's validity period;

[0062] If the current system time is within the media's validity period, the media information verification passes.

[0063] In one embodiment, the method is applied to a first client in a terminal device, and the data processing request is used to request the binding of a payment medium in the first client.

[0064] When performing data processing on the payment medium based on medium information and object information, the processing unit can specifically be used for:

[0065] Display the binding interface;

[0066] The binding interface automatically fills in the read media information and the obtained object information;

[0067] When a confirmation operation for medium information and object information is received, the medium information of the payment medium, the login object account of the first client, and the object information are associated and bound.

[0068] In one embodiment, the data processing request is used to request payment using a payment medium; the data processing request carries order information to be paid.

[0069] When performing data processing on the payment medium based on medium information and object information, the processing unit can specifically be used for:

[0070] Display the payment interface;

[0071] The payment interface automatically fills in the read medium information and the obtained object information;

[0072] When confirmation of media and object information is received, payment is processed on the payment medium based on the order information.

[0073] In one embodiment, the method is applied to a first client in a terminal device, the first client recording historical binding data of the payment medium; the data processing request is used to request the unbinding of the payment medium from the first client;

[0074] When performing data processing on the payment medium based on medium information and object information, the processing unit can specifically be used for:

[0075] Based on medium information and object information, search and display the historical binding data of the payment medium in the first client. The historical binding data includes the association and binding relationship between the payment medium and the login object account in the first client.

[0076] When a confirmation to unbind is received, the association between the payment medium and the login account in the first client is severed.

[0077] In one embodiment, the processing unit is further configured to:

[0078] Send a verification request to the cloud server. The verification request carries media information and object information. The verification request is used to request the cloud server to perform security verification on the media information and object information.

[0079] Receive the verification result returned by the cloud server;

[0080] If the verification result indicates that the security verification was successful, then the steps of performing data processing on the payment medium based on the medium information and object information are executed.

[0081] On one hand, embodiments of this application provide a terminal device, which includes:

[0082] A processor is used to execute computer programs;

[0083] A computer-readable storage medium storing a computer program that, when executed by a processor, implements the data processing method described above.

[0084] On one hand, embodiments of this application provide a computer-readable storage medium storing a computer program that is loaded by a processor and executed as described above in the data processing method.

[0085] On one hand, embodiments of this application provide a computer program product, which includes a computer program stored in a computer-readable storage medium. A processor of a terminal device reads the computer program from the computer-readable storage medium and executes the computer program, causing the terminal device to perform the aforementioned data processing method.

[0086] In this embodiment, in response to a data processing request, a first prompt message is output. The first prompt message indicates the location of the target area of ​​the terminal device and instructs the payment medium to be placed in the target area. By outputting the first prompt message, the problem of needing to repeatedly try to place the payment medium on the terminal device to detect the payment medium is solved, greatly shortening the time required to establish short-range communication between the payment medium and the terminal device. Furthermore, when the payment medium is placed in the target area, short-range communication is established between the payment medium and the terminal device. Then, the medium information of the payment medium is read based on the short-range communication. Based on the medium information, the object information of the holder of the payment medium is obtained from the historical data of the payment medium. And, based on the medium information and the object information, data processing is performed on the payment medium. By directly reading the medium information of the payment medium through short-range communication of the terminal device, the object does not need to manually input the medium information, avoiding errors that may occur when manually inputting the medium information. It also solves the problems of appropriate lighting and placing the payment medium face-up at the appropriate distance, which are necessary when using image recognition payment mediums. This not only improves the accuracy of obtaining the medium information, but also saves time in obtaining the medium information, enabling rapid subsequent data processing of the payment medium and improving the efficiency of data processing. In addition, based on the medium information of the payment medium, the object information of the holder can be directly obtained from the historical data of the payment medium, without the need to input the object information of the holder, further improving the efficiency of data processing of the payment medium. Attached Figure Description

[0087] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0088] Figure 1 This is a schematic diagram of the structure of a data processing system provided in an exemplary embodiment of this application;

[0089] Figure 2 This is a flowchart illustrating a data processing method provided in an exemplary embodiment of this application;

[0090] Figure 3a This is a schematic diagram of a target area provided in an exemplary embodiment of this application;

[0091] Figure 3b This is a schematic diagram of a target area provided by another exemplary embodiment of this application;

[0092] Figure 4This is a schematic diagram of another data processing interface provided in an exemplary embodiment of this application;

[0093] Figure 5a This is a schematic diagram of a binding interface provided in an exemplary embodiment of this application;

[0094] Figure 5b This is a schematic diagram of a payment interface provided in an exemplary embodiment of this application;

[0095] Figure 5c This is a schematic diagram of an unbinding interface provided in an exemplary embodiment of this application;

[0096] Figure 6 This is a flowchart illustrating a data processing method provided in another exemplary embodiment of this application;

[0097] Figure 7a This is a schematic diagram of a process for binding a bank card, provided in an exemplary embodiment of this application;

[0098] Figure 7b This is a visual illustration of a bank card binding method provided in an exemplary embodiment of this application;

[0099] Figure 7c This is a schematic diagram illustrating the communication between a terminal device and a bank card, provided in an exemplary embodiment of this application.

[0100] Figure 8 This is a schematic diagram of the structure of a data processing apparatus provided in an exemplary embodiment of this application;

[0101] Figure 9 This is a schematic diagram of the structure of a terminal device provided in an exemplary embodiment of this application. Detailed Implementation

[0102] The technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, and not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those of ordinary skill in the art without creative effort are within the scope of protection of this application.

[0103] The following describes the terminology used in the embodiments of this application:

[0104] (1) Payment medium

[0105] A payment medium is a credit payment tool with all or some functions such as consumer credit, fund transfer settlement, and access to data resources (such as cash). Payment media can be IC cards (Integrated Circuit Cards), smart cards, etc. IC cards can be divided into contactless IC cards and contact IC cards. Contactless IC cards, also known as radio frequency cards, combine radio frequency identification technology and IC card technology, solving the technical problems of being passive (no power source in the card) and contactless. In the embodiments of this application, the payment medium can be IC cards such as debit cards, savings cards, and credit cards. The payment medium can support a variety of applications; it can be understood as an operating system on which various applications run. For example, if the payment medium is a bank card, it can support UnionPay applications, online payment applications, etc.

[0106] (2) Near-field communication hardware and short-range communication

[0107] Near-field communication (NFC) hardware can be configured in terminal devices. This hardware monitors whether a payment medium is placed in a designated area of ​​the terminal device. When a payment medium is detected, short-range communication can be established with the payment medium according to NFC protocol standards (e.g., ISO-DEP (ISO 14443-4)). This NFC hardware can be NFC (Near Field Communication) hardware, meaning that NFC technology is used in the terminal device. Terminal devices using NFC technology (e.g., mobile phones) can establish short-range communication when the payment medium is close. NFC technology evolved from contactless radio frequency identification (RFID) and interconnection technologies.

[0108] (3) Holders

[0109] The "holding object" refers to the object information used when applying for a payment medium. For example, if the payment medium is a bank card, the holding object is the document (such as an ID number) used when applying for the bank card. Alternatively, the holding object refers to the object that owns and uses the payment medium. This should be understood as: the holding object can use the payment medium to make payments, bind the payment medium to a client, or unbind an already bound payment medium in a client. For example, if the payment medium is a bank card, the holding object can bind the bank card to the client; or if the payment medium is a public transport card, the holding object can use the public transport card to make payments in the client. In the embodiments of this application, the holding object can be a user.

[0110] (4) Cloud computing

[0111] Cloud computing refers to the delivery and usage model of IT infrastructure, meaning obtaining necessary resources in an on-demand and easily scalable manner through a network. In a broader sense, cloud computing also refers to the delivery and usage model of services, meaning obtaining necessary services in an on-demand and easily scalable manner through a network. These services can be IT and software related, internet-related, or other services. Cloud computing is a product of the convergence and development of traditional computer and network technologies such as grid computing, distributed computing, parallel computing, utility computing, network storage technologies, virtualization, and load balancing. Driven by the development of the internet, real-time data streams, the diversification of connected devices, and the demands of search services, social networks, mobile commerce, and open collaboration, cloud computing has developed rapidly. Unlike previous parallel and distributed computing, the emergence of cloud computing will fundamentally revolutionize the entire internet model and enterprise management model.

[0112] (5) Cloud storage

[0113] Cloud storage is a new concept that extends and develops from the concept of cloud computing. A distributed cloud storage system (hereinafter referred to as a storage system) refers to a storage system that uses cluster applications, grid technology, and distributed storage file systems to bring together a large number of storage devices of various types (storage devices are also called storage nodes) in the network to work together through application software or application interfaces to provide data storage and business access functions to the outside world.

[0114] Currently, the storage method of storage systems is as follows: Logical volumes are created. During the creation of a logical volume, physical storage space is allocated to each logical volume. This physical storage space may consist of a single storage device or the disks of several storage devices. Clients store data on a logical volume, which means storing the data on the file system. The file system divides the data into many parts, each part being an object. Each object contains not only the data but also additional information such as a data identifier (ID, ID entity). The file system writes each object to the physical storage space of that logical volume and records the storage location information of each object. Therefore, when a client requests access to data, the file system can allow the client to access the data based on the storage location information of each object.

[0115] The process by which a storage system allocates physical storage space to a logical volume is as follows: the physical storage space is pre-divided into strips according to the capacity estimate of the objects stored in the logical volume (this estimate often has a large margin relative to the actual capacity of the objects to be stored) and the grouping of Redundant Array of Independent Disks (RAID). A logical volume can be understood as a strip, thus allocating physical storage space to the logical volume.

[0116] (6) Cloud security

[0117] Cloud security refers to the collective term for security software, hardware, users, organizations, and security cloud platforms based on cloud computing business models. Cloud security integrates emerging technologies and concepts such as parallel processing, grid computing, and the identification of unknown virus behavior. Through a large network of clients, it monitors abnormal software behavior on the network, obtains the latest information on Trojans and malware on the internet, sends it to the server for automatic analysis and processing, and then distributes solutions for viruses and Trojans to each client.

[0118] The main research directions in cloud security include: 1. Cloud computing security, which mainly studies how to ensure the security of the cloud itself and various applications on the cloud, including cloud computer system security, secure storage and isolation of user data, user access authentication, information transmission security, network attack protection, and compliance auditing; 2. Cloudification of security infrastructure, which mainly studies how to use cloud computing to build and integrate security infrastructure resources and optimize security protection mechanisms, including building a large-scale security event and information collection and processing platform through cloud computing technology to achieve the collection and correlation analysis of massive amounts of information and improve the ability to control network-wide security events and risks; 3. Cloud security services, which mainly studies various security services provided to users based on cloud computing platforms, such as antivirus services.

[0119] (7) Artificial Intelligence

[0120] Artificial intelligence (AI) is the theory, methods, technology, and application systems that use digital computers or machines controlled by digital computers to simulate, extend, and expand human intelligence, perceive the environment, acquire knowledge, and use that knowledge to achieve optimal results. In other words, AI is a comprehensive technology within computer science that attempts to understand the essence of intelligence and produce a new kind of intelligent machine that can react in a way similar to human intelligence. AI studies the design principles and implementation methods of various intelligent machines, enabling them to possess the functions of perception, reasoning, and decision-making.

[0121] Artificial intelligence (AI) is a comprehensive discipline encompassing a wide range of fields, including both hardware and software technologies. Fundamental AI technologies generally include sensors, dedicated AI chips, cloud computing, distributed storage, big data processing, operating / interactive systems, and mechatronics. AI software technologies primarily include computer vision, speech processing, natural language processing, and machine learning / deep learning.

[0122] Computer vision (CV) is a science that studies how to enable machines to "see." More specifically, it refers to machine vision, which uses cameras and computers to replace human eyes in recognizing and measuring targets, and then performs image processing to create images more suitable for human observation or transmission to instruments. As a scientific discipline, computer vision studies related theories and technologies, attempting to build artificial intelligence systems capable of extracting information from images or multidimensional data. Computer vision technologies typically include image processing, image recognition, image semantic understanding, image retrieval, OCR, video processing, video semantic understanding, video content / behavior recognition, 3D object reconstruction, 3D technology, virtual reality, augmented reality, and simultaneous localization and mapping (SLAM).

[0123] Key technologies in speech technology include Automatic Speech Recognition (ASR), Text-to-Speech (TTS), and Voiceprint Recognition. Enabling computers to hear, see, speak, and feel is the future direction of human-computer interaction, with speech being one of the most promising methods.

[0124] This application provides a data processing scheme, which can be: when an object wants to perform data processing such as binding, unbinding, and payment on a payment medium, the medium information of the payment medium can be quickly read based on the near-field communication (such as NFC communication) supported by the terminal device. Specifically, the object can place the payment medium at a designated location on the terminal device according to the prompt information. The terminal device senses that the payment medium is placed at the designated location and establishes near-field communication between the terminal device and the payment medium. Then, through the established near-field communication, the medium information (such as the identifier of the payment medium) of the payment medium can be read and verified. After the verification is passed, the object information of the holder of the payment medium is obtained based on the medium information, and data processing such as binding, unbinding, and payment is performed on the payment medium through the object information and the medium information. Among them, obtaining the object information of the holder of the payment medium based on the medium information includes two methods: (1) directly inputting the information of the holder. Specifically, based on the medium information, an information input interface can be displayed. This information input interface is used to input the object information of the holder. The holder can directly input its own object information in the information input interface. In response to the input information of the holder, the information of the holder can be successfully obtained. This method requires manual input, which can easily lead to errors in the input object information and takes a certain amount of time, resulting in low efficiency in subsequent data processing of the payment medium. (2) Historical data of the payment medium is recorded when processing the payment medium or in other clients. At this time, the object information of the holder in the historical data of the payment medium can be directly reused. The terminal device can obtain the historical data of the payment medium based on the medium information and directly obtain the information of the holder of the payment medium from the obtained historical data of the payment medium. This method avoids errors caused by manually inputting the object information of the holder, improves the accuracy of obtaining the object information, and saves the time of obtaining the object information. Based on this advantage, this method (2) is preferred in the embodiments of this application to realize the data processing of the payment medium.

[0125] The data processing scheme of this application embodiment can be combined with cloud computing, cloud storage and cloud security in cloud technology. For example, the processing results of data processing such as binding, unbinding and payment based on object information and medium information on payment medium can be stored on a cloud server; or the correspondence between object information and medium information can be stored in a cloud server, and the security verification of the obtained object information and medium information can be performed in the cloud server when data processing is performed on the payment medium in the future.

[0126] The data processing scheme of this application embodiment can also be combined with artificial intelligence. For example, when querying the object information of the holder of the payment medium from the client based on the medium information of the payment medium, the holder can authorize the query by voice or facial recognition. At this time, voice recognition or image recognition can be performed with the help of voice technology or computer vision technology in artificial intelligence, and then the query authorization can be performed to access the client to query the object information of the holder of the payment medium.

[0127] The data processing scheme provided in this application has the following beneficial effects: It directly reads the medium information of the payment medium through near-field communication of the terminal device, eliminating the need for the recipient to manually input the medium information. This avoids errors that can occur with manual input and solves the problems associated with proper lighting and placement of the payment medium at the appropriate distance when using image recognition. This reduces learning and usage costs. While improving the accuracy of obtaining the medium information, it also saves time, enabling rapid subsequent data processing such as card binding, unbinding, and payment, thus improving the efficiency of payment medium data processing. Furthermore, verifying the payment medium after obtaining its information further enhances its accuracy. In addition, directly retrieving and reusing the recipient's information from the historical data of the payment medium eliminates the need to input recipient information such as name and ID number, further improving the efficiency of payment medium data processing.

[0128] The data processing system provided in this application will be described below. Please refer to [link / reference]. Figure 1 , Figure 1 This application provides a data processing system as an embodiment. For example... Figure 1 As shown, the data processing system may include at least one terminal device 101 and at least one server 102. This application does not limit the number of terminal devices; of course, the number of servers can also be multiple. The terminal device 101 and server 102 in the data processing system can be directly or indirectly connected via wired or wireless communication. Wherein:

[0129] Terminal device 101 is equipped with near-field communication (NFC) hardware that supports short-range communication. The NFC hardware in terminal device 101 can detect whether a payment medium is placed in a designated area (i.e., the target area); the payment medium can be a debit card, credit card, etc. Various clients run on terminal device 101, such as payment clients, repayment clients, instant messaging clients, etc. Data processing such as binding, unbinding, and payment can be performed on the payment medium within the client. For example, if the payment medium is a credit card, the client can bind the credit card; if the payment medium is a debit card, the client can process the payment. The aforementioned terminal device can include, but is not limited to, smartphones, tablets, laptops, desktop computers, smart speakers, smartwatches, in-vehicle terminals, smart wearable devices, etc.

[0130] Server 102 corresponds to the client and provides technical support for the services provided by the client. Server 102 can store historical binding data of payment media in the client, historical payment data, etc. Server 103 can be a standalone physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server providing basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDN (Content Delivery Network), and big data and artificial intelligence platforms.

[0131] The data processing flow will now be described using terminal device 101 and server 102 as an example:

[0132] (1) When the holder wants to perform data processing on the payment medium, it can send a data processing request to the terminal device 101. In response to the data processing request, the terminal device 101 will output a first prompt message. The first prompt message is used to indicate the location of the target area of ​​the terminal device and to instruct the holder to place the payment medium in the target area. At the same time, the terminal device starts to call the near-field communication hardware to monitor the target area in the terminal device (such as the back area of ​​the terminal device). When the holder places the payment medium in the target area, the near-field communication hardware will detect the payment medium in the target area, and then establish near-field communication between the payment medium and the terminal device according to the near-field communication protocol standard. Based on the near-field communication, the medium information of the payment medium is directly read.

[0133] (2) After reading the medium information of the payment medium, the terminal device 101 can send a data acquisition request to the server 102. The data acquisition request carries the medium information of the payment medium. After receiving the data acquisition request, the server 102 can obtain the historical data of the payment medium according to the medium information of the payment medium, and obtain the object information of the holder of the payment medium from the historical data of the payment medium, and then send the object information of the holder to the terminal device 101.

[0134] (3) After receiving the object information of the holder, the terminal device 101 can perform data processing on the payment medium based on the object information and the medium information. The data processing performed on the payment medium is different for different data processing requests.

[0135] In one embodiment, when a holder wants to bind a payment medium to a client on a terminal device, a data processing request can be used to request binding the payment medium to the terminal device 101. After receiving the holder's object information, the terminal device 101 can display the object information and medium information on the binding interface of the client. The holder can verify the accuracy of the object information and medium information and confirm whether to bind the payment medium to the client. When the terminal device detects a confirmation operation on the object information and medium information, it means that the holder agrees to bind the payment medium. The client's login object account, the holder's object information, and the payment medium can be associated and bound, so that the payment medium can be directly used in the client later. Optionally, the associated client's login object account, the holder's object information, and the payment medium can be stored in the server 102 so that the historical data of the payment medium can be directly reused when data processing is performed on the payment medium next time. It should be noted that the login object account here refers to the account assigned by the client to the login object that can log in to the client. The login object account is unique, and the login object can be the holder of the payment medium.

[0136] In another embodiment, when the holder wants to make a payment using the payment medium on the terminal device 101, a data processing request can be used to request the use of the payment medium for payment. After receiving the holder's object information, the terminal device 101 can display the object information and medium information on the payment interface, which also displays order information to be paid. The holder can verify the accuracy of the object information, medium information, and order information to be paid, and confirm whether to use the payment medium to pay for the order information on the client. When a confirmation operation is received for the medium information and object information, it means that the holder agrees to use the payment medium to pay for the order, and the terminal device 101 can process the payment using the payment medium based on the order information.

[0137] In another embodiment, the payment medium is already bound to the client of the terminal device 101. The holder can unbind the payment medium from the client of the terminal device 101. In this case, a data processing request can be used to request the unbinding of the payment medium from the client. After receiving the object information from the holder, the terminal device 101 can display the object information and medium information on the unbinding interface. The holder can confirm the accuracy of the object information and medium information and confirm whether to unbind the payment medium. When a confirmation operation is received, the terminal device can unbind the payment medium in the client.

[0138] It is understood that the embodiments of this application involve various types of data related to the login object or the holding object, such as the medium information of the payment medium of the holding object, the object information of the holding object, and the historical binding data and historical payment data of the payment medium, etc. When the above embodiments of this application are applied to specific products or technologies, it is necessary to obtain the permission or consent of the holding object or the login object, and the collection, use and processing of related data must comply with the relevant laws, regulations and standards of the relevant countries and regions.

[0139] In the data processing system provided in this application embodiment, by outputting the first prompt information, the problem of needing to repeatedly try placing the payment medium on the terminal device to detect the payment medium is solved, greatly shortening the time to establish short-range communication between the payment medium and the terminal device. Furthermore, by directly reading the medium information of the payment medium through short-range communication with the terminal device, there is no need for the recipient to manually input the medium information, avoiding errors that occur when manually inputting the medium information. It also solves the problem of relying on appropriate lighting and placing the payment medium face-up at an appropriate distance when using image recognition of the payment medium, reducing certain learning and usage costs. While improving the accuracy of obtaining the medium information of the payment medium, it also saves time in obtaining the medium information, enabling rapid subsequent data processing such as card binding, unbinding, and payment of the payment medium, thus improving the data processing efficiency of the payment medium. In addition, after obtaining relatively accurate medium information, the recipient's object information can be directly obtained from the historical data of the payment medium and reused, without needing to input object information such as the recipient's name and ID number, further improving the data processing efficiency of the payment medium.

[0140] The data processing methods provided in this application will be described below. Please refer to [link / reference]. Figure 2 , Figure 2 This is a flowchart illustrating a data processing method provided in an embodiment of this application. The data processing method can be executed by a terminal device; the data processing method described in this embodiment may include the following steps S201-S205:

[0141] S201. In response to the data processing request, output first prompt information. The first prompt information indicates the location of the target area of ​​the terminal device and instructs the payment medium to be placed in the target area. The payment medium can be a debit card, savings card, credit card, etc. The location of the target area includes any of the following: any location on the screen of the terminal device, any location on the terminal device, or any location detectable by the near-field communication hardware in the terminal device. For example, ... Figure 3a As shown, the target area can be area 32 on the screen of the terminal device. Correspondingly, the first prompt information is used to indicate area 32 on the screen of the terminal device and to instruct the payment medium to be placed in area 32 on the screen of the terminal device. Alternatively, the target area can be the middle area on the back of the terminal device. Correspondingly, the first prompt information is used to indicate the middle area on the back of the terminal device and to instruct the payment medium to be placed in the middle area on the back of the terminal device. Furthermore, as... Figure 3b As shown, the target area is the floating area 321 that can be detected by the near-field communication hardware. Correspondingly, the first prompt information is used to indicate the area 321 that can be detected by the near-field communication hardware, and to indicate that the payment medium is placed in the area 321 that can be detected by the near-field communication hardware.

[0142] In one embodiment, when the holder wants to perform data processing on the payment medium, they can submit a data processing request for the payment medium in the terminal device. In response to the data processing request, the terminal device can output a first prompt message in text form. Figure 3a In one embodiment, the terminal device outputs the first prompt message 31 in text form: "Identification area 32, please place the payment medium here." In another embodiment, the terminal device may output the first prompt message in voice form. For example, it may output the first prompt message in voice form: "Please place the bank card in the middle area on the back of the terminal device." In yet another embodiment, when outputting the first prompt message, both text and voice methods are combined. In response to a data processing request, the terminal device simultaneously outputs the first prompt message in both text and voice forms.

[0143] In this embodiment, various client applications run on the terminal device. Taking the first client on the terminal device as an example, when the holder wants to perform data processing on the payment medium, they can trigger the icon of the first client to enter the first client and select the data processing to be performed on the payment medium within the first client. Correspondingly, the terminal device can receive a data processing request for the payment medium. For example, if the holder selects to bind the payment medium in the first client, the data processing request is used to request binding the payment medium in the first client; or, if the holder selects to use the payment medium to pay for an order in the first client, the data processing request is used to request payment using the payment medium; or, if the holder selects to unbind the payment medium in the first client, and historical binding data for the payment medium is recorded in the first client, the data processing request is used to request unbinding the payment medium from the first client.

[0144] In one embodiment, in response to a data processing request, the terminal device may display a data processing interface and output a first prompt message on that interface. For example, ... Figure 3a As shown, in response to a data processing request, a data processing interface 301 is displayed, and a first prompt message 31 is displayed in area 32 of the data processing interface 301 (at this time, area 32 is the target area). This should be understood as the first prompt message being displayed in the target area or in other locations on the terminal device. Optionally, an image recognition payment medium option 34 may also be displayed in area 33 of the data processing interface 301, and a payment medium input option 35 may be displayed in other areas of the data processing interface 301. The payment medium input option 35 allows for direct manual input of the payment medium's information, while the image recognition payment medium option 34 allows for direct scanning and recognition of the payment medium's information.

[0145] In one embodiment, during the output of the first prompt information, the near-field communication (NFC) hardware in the terminal device can be invoked to monitor the target area. The holder can then place the payment medium directly in the target area according to the first prompt information. If the NFC hardware detects the payment medium in the target area, it is determined that the payment medium has been placed there. If the NFC hardware does not detect the payment medium in the target area, it is determined that the payment medium has not been placed there. Here, the target area refers to any area within the monitoring range of the NFC hardware; the location of the target area includes any of the following: any location on the screen of the terminal device, or any location on the terminal device itself. For example, in... Figure 3aIn this embodiment, the target area can be area 32 on the screen of the terminal device that the near-field communication hardware can monitor; or, for example, the target area can be the middle area on the back of the terminal device that the near-field communication hardware can monitor. This application does not limit the target area; it can be any area within the monitoring range that the near-field communication hardware can monitor. By providing the first prompt information, the problem of the holder needing to repeatedly try to contact the payment medium with the terminal device before being detected by the near-field communication hardware is solved. This shortens the time for the near-field communication hardware to detect (or sense) the payment medium and establish near-field communication between the payment medium and the terminal device, thereby improving the efficiency of subsequently acquiring medium information of the payment medium.

[0146] Before responding to a data processing request and invoking the near-field communication (NFC) hardware in the terminal device to monitor the target area, it is necessary to determine whether the terminal device is equipped with NFC hardware or whether the NFC hardware is enabled. The terminal device can call a NFC interface (such as an NFC interface) to determine if the NFC hardware is available. If the NFC interface is successfully invoked, the NFC hardware is confirmed to be available, a first prompt message can be output, and the steps to invoke the NFC hardware to monitor the target area can be executed. If the NFC interface cannot be successfully invoked, the NFC hardware is confirmed to be unavailable, and the following message can be displayed: Figure 4 The default data processing interface 401 shown does not display the first prompt message, indicating that the target area cannot be monitored using near-field communication hardware. In this case, the data processing interface 401 may include one or more of the following: image recognition payment medium option 41, and payment medium input option 42.

[0147] S202. When the payment medium is placed in the target area, establish short-range communication between the payment medium and the terminal device.

[0148] When the payment medium is placed in the target area, the terminal device can check and confirm whether the payment medium supports short-range communication standards (such as ISO-DEP (ISO 14443-4)). After confirming that the payment medium supports short-range communication standards, short-range communication between the payment medium and the terminal device can be established based on the short-range communication standards.

[0149] S203. Read the medium information of the payment medium based on short-range communication. The medium information includes the identifier of the payment medium.

[0150] The identifier of the payment medium can be used to uniquely identify the payment medium. The identifier of the payment medium can be numbers, or a string of numbers and letters; this application does not limit this. For example, if the payment medium is a bank card, the identifier of the payment medium is the bank card number. In addition, the medium information may also include one or more of the following: medium type, medium validity period, and the name of the institution to which the payment medium belongs (i.e., the institution that issued the payment medium or the issuing system that issued the payment medium). For example, if the payment medium is a bank card, the medium information may also include one or more of the following: bank card type (e.g., credit card type, debit card type, etc.), bank card validity period (e.g., 2011 / 5 / 1-2022 / 4 / 30), and the name of the bank to which the bank card belongs. In one embodiment, the terminal device can send an information query instruction to a target application storing the medium information of the payment medium based on near-field communication. This information query instruction carries the identifier of the payment medium. The target application can respond to the medium query instruction, query the medium information of the payment medium based on the identifier of the payment medium, and return the queried medium information to the terminal device.

[0151] S204. Based on the medium information, obtain the object information of the holder of the payment medium from the historical data of the payment medium; wherein, the historical data may include one or more of the following: historical binding data of the payment medium, historical payment data of the payment medium. It should be understood that when binding the payment medium or using the payment medium for payment, there may be situations where the object information of the holder of the payment medium is entered. In this case, the object information of the holder of the payment medium will be included in the historical binding data or historical payment data. The object information may be the name, ID number, etc. of the holder. The terminal device can obtain the historical data of the payment medium based on the medium information, and directly obtain the object information of the holder of the payment medium from the historical data of the payment medium. By directly obtaining the object information of the holder from the historical data of the payment medium, the object information of the holder in the historical data can be reused, eliminating the need to enter the object information of the holder, and enabling quick data processing of the payment medium.

[0152] In this application embodiment, the following three methods are provided to obtain the object information of the holder of the payment medium from the historical data of the payment medium based on the medium information; the three methods are as follows:

[0153] (1) The terminal device includes multiple clients. Taking the terminal device including a first client as an example, the above data processing method is applied to the first client, that is, steps S201-S204 are executed in the first client to perform data processing on the payment medium. In any client in the terminal device (except the first client), the above payment medium may have been used for payment or bound to the payment medium. At this time, the historical data of the payment medium is recorded in the client. In this case, the terminal device can directly obtain the historical data of the payment medium from the client that records the historical data of the payment medium. Assuming that the second client included in the terminal device records the historical data of the payment medium, the terminal device can send a first query request to the second client. The first query request carries the identifier of the payment medium. The first query request is used to request to query the object information of the holder of the payment medium from the historical data of the payment medium recorded in the second client. The second client responds to the first query request, queries the object information of the holder of the payment medium from the historical data of the payment medium, and returns the object information of the holder to the first client. Then the terminal device can receive the object information returned by the second client in response to the first query request.

[0154] In one embodiment, clients on the terminal device cannot directly interact with each other without authorization. Therefore, before the first client sends a first query request to the second client, it is necessary to determine whether the first client has the query permission of the second client. By setting query permissions, it is possible to prevent other clients from abnormally querying the data in the second client, thereby ensuring the security of the data in the second client. The terminal device can check whether the first client has the query permission of the second client before sending the first query request to the first client. If it is determined that the first client has the query permission of the second client, the terminal device will send the first query request to the second client. If it is determined that the first client does not have the query permission of the second client, the terminal device can output an authorization request, which is used to request the first client to be granted the query permission of the second client. Then, the login object (i.e., the holding object) of the first client can determine whether to authorize the authorization request. When the terminal device receives the confirmation operation for the authorization request, it can set the query permission of the second client for the first client and execute the step of sending the first query request to the second client.

[0155] In one implementation, the authorization request carries a confirmation option and a cancellation option. The confirmation option is used to confirm authorization, and the cancellation option is used to cancel authorization. When the logged-in object triggers the confirmation option in the authorization request, the terminal device can receive a confirmation operation for the authorization request. In another implementation, this application embodiment can utilize voice technology from artificial intelligence for voice authorization. After outputting the authorization request, the logged-in object can directly input the voice "authorize," and the terminal device can directly recognize the voice "authorize," obtaining the voice recognition result "authorize." Through this voice recognition result, the terminal device receives a confirmation operation for the authorization request. In yet another implementation, this application embodiment can utilize computer vision technology from artificial intelligence for image recognition. The terminal device is equipped with a camera (or camera component), and the logged-in object can authorize through facial expressions or facial movements. The camera can capture the logged-in object's facial expressions or facial movements. Specifically, the terminal device can call the camera to collect the logged-in object's facial image and recognize the facial image to obtain a recognition result. If the recognition result is a preset expression (such as a smile), the terminal device receives a confirmation operation for the authorization request; or, if the recognition result is a preset facial action (such as blinking, opening the mouth, etc.), the terminal device receives a confirmation operation for the authorization request.

[0156] (2) The terminal device includes a first client. The first client may have previously been bound to a payment medium. Therefore, the first client will record historical data of that payment medium, which may include historical binding data of the payment medium within the first client. Then, the terminal device can directly retrieve the historical binding data of the payment medium within the first client from the storage space corresponding to the first client based on the medium information, and obtain object information from the historical binding data of the payment medium within the first client. For example, if the payment medium is a bank card, and the medium information includes the bank card number, the terminal device can directly retrieve the historical binding data of the bank card within the first client from the storage space corresponding to the first client based on the bank card number.

[0157] (3) For any payment medium, it is generated based on the object information of the holder in the issuance system. Therefore, the issuance data generated during the generation of the payment medium will also record the object information of the holder. The historical data of the payment medium includes the issuance data of the payment medium. The terminal device can send a second query request to the issuance system of the payment medium. The second query request carries the identifier of the payment medium. The second query request is used to request to obtain the object information of the holder of the payment medium from the issuance data of the payment medium recorded in the issuance system. In response to the second query request, the issuance system can obtain the issuance data of the payment medium based on the identifier of the payment medium, and directly obtain the object information of the holder of the payment medium from the issuance data. Then, it returns the object information of the holder to the terminal device. The terminal device can receive the object information of the holder returned by the issuance system in response to the second query request.

[0158] The issuance system records the identifiers of multiple reference payment media and the issuance data of each reference payment media. In response to the second query request, the issuance system can match the identifier of the payment media with the identifiers of the multiple reference payment media. If the identifier of the payment media matches the identifier of any of the multiple reference payment media, it means that the payment media was generated in the issuance system, and the issuance data of the matched reference payment media is determined as the issuance data of the payment media.

[0159] Through the above three methods, terminal devices can quickly reuse the object information of the holder of the payment medium, realize the elimination of the need to input the object information of the holder, and thus quickly perform data processing on the payment medium, thereby improving the data processing efficiency of the payment medium.

[0160] S205. Perform data processing on the payment medium based on medium information and object information.

[0161] For different data processing requests from payment media, the terminal device can perform different data processing on the payment media based on the media information and object information.

[0162] (1) When a data processing request is used to request the binding of a payment medium in the first client, the specific implementation of data processing on the payment medium based on the medium information and object information can be as follows: display the binding interface, automatically fill in the read medium information and automatically fill in the obtained object information in the binding interface, the login object (i.e. the holding object) in the first client can confirm the medium information and object information in the binding interface, and when the confirmation operation of the medium information and object information is received, the medium information of the payment medium, the login object account and object information of the first client are associated and bound. At this time, the payment medium can be directly used in the first client for payment and transfer processing.

[0163] As one implementation method, the binding interface can include confirmation and cancellation options, such as... Figure 5a As shown, the binding interface 501 automatically fills in the read medium information in area 51 and automatically fills in the acquired object information in area 52. The binding interface 501 also includes a confirmation option 53 and a cancellation option 54. The logged-in user can trigger the confirmation option 53, and the terminal device receives a confirmation operation for the medium and object information. The logged-in user can also trigger the cancellation option 54, and the terminal device receives a cancellation operation for the medium and object information. This may indicate a problem with the medium and / or object information, or that the logged-in user does not want to bind the payment medium, and thus exits the binding interface. Alternatively, the medium and object information can be confirmed via voice. The logged-in user can input the voice command "confirm," and the terminal device performs voice recognition on the "confirm" command, obtaining the voice recognition result "confirm." Based on this voice recognition result, the terminal device also receives a confirmation operation for the medium and object information.

[0164] In one embodiment, the medium information of the associated payment medium, the login account of the first client, and the object information are used as historical binding data of the payment medium, so that the object information of the holder is not required when data processing is performed on the payment medium next time. In another embodiment, the medium information of the associated payment medium, the login account of the first client, and the object information are uploaded to a blockchain network as historical binding data of the payment medium. Uploading to the blockchain network enables the tracing of historical binding data and prevents the historical binding data from being tampered with.

[0165] (2) When a data processing request is used to request payment using a payment medium, the data processing request may carry order information to be paid, which may include the order name, the amount to be paid, etc. In this case, the specific implementation of data processing on the payment medium based on the medium information and object information may be: displaying the payment interface; automatically filling in the read medium information and the obtained object information in the payment interface; when a confirmation operation on the medium information and object information is received, performing payment processing on the payment medium based on the order information.

[0166] As one implementation method, the payment interface can include confirmation and cancellation options, such as... Figure 5bAs shown, in payment interface 502, area 55 is automatically filled with the read media information, and area 56 is automatically filled with the read object information; area 57 displays the order information to be paid. The payment interface also displays a confirmation option 58 and a cancellation option 59. The logged-in user can trigger the confirmation option 58, and the terminal device receives a confirmation operation for the media and object information accordingly. The logged-in user can also trigger the cancellation option 59, and the terminal device receives a cancellation operation for the media and object information accordingly. This may indicate a problem with the media and / or object information, or that the logged-in user does not want to use the payment medium for payment, and thus exits the payment interface. Alternatively, the media and object information can be confirmed via voice. The logged-in user can input the voice command "confirm," and the terminal device performs voice recognition on the "confirm" command, obtaining the voice recognition result "confirm." Through this voice recognition result, the terminal device also receives a confirmation operation for the media and object information.

[0167] (3) The first client contains historical binding data of the payment medium. When a data processing request is used to request the unbinding of the payment medium from the first client, the specific implementation of data processing on the payment medium based on the medium information and object information can be as follows: Based on the medium information and object information, search and display the historical binding data of the payment medium in the first client. The historical binding data includes the association binding relationship between the payment medium and the login object account in the first client; when the unbinding confirmation operation is received, release the association binding relationship between the payment medium and the login object account in the first client. As one implementation method, in Figure 5c In the process, based on medium information and object information, the historical binding data of the payment medium in the first client is retrieved, and displayed in area 60 of the unbinding interface 503. Additionally, the unbinding interface 503 may include a cancel option 61 and a confirm option 62. The logged-in object can trigger the confirm option 62, and the terminal device can receive an unbinding confirmation operation; the logged-in object can also trigger the cancel option 61, and the terminal device can receive an unbinding cancellation operation. This may mean that the payment medium does not need to be unbound, and the user exits the unbinding interface. Alternatively, unbinding can be determined via voice input; the specific implementation method can be found in the above description of determining whether to bind the payment medium via voice input, and will not be repeated here.

[0168] In one embodiment, this application relates to cloud security technology. Regarding the security verification of media information and object information, this embodiment does not perform security verification on the terminal device, but instead places the security verification of media information and object information on a cloud server, thereby effectively ensuring the security of information verification. Specifically, the terminal device can send a verification request to the cloud server, which carries media information and object information. The verification request is used to request the cloud server to perform security verification on the media information and object information. After receiving the verification request, the cloud server responds to the verification request, performs security verification on the media information and object information, obtains the verification result, and returns the verification result to the terminal device. The terminal device receives the verification result returned by the cloud server. If the verification result indicates that the security verification is successful, then the step of performing data processing on the payment medium based on the media information and object information is executed. Through security verification, it can be determined whether the payment medium corresponds to the holding object, that is, whether the payment medium was generated using the object identity information of the holding object.

[0169] The cloud server stores a mapping table between reference media information and reference object information of the held object. This table records the correspondence between the reference media information and the reference object information of the held object. Upon receiving a verification request, the cloud server can determine from the mapping table whether the media information and object information belong to the corresponding relationship. If the media information and object information do not belong to the corresponding relationship, the verification result is "security verification failed." If the media information and object information belong to the corresponding relationship, the verification result is "security verification passed." For example, the mapping table includes: the correspondence between reference media information 1 and reference object information 1, and the correspondence between reference media information 2 and reference object information 2. If the verification request carries media information 1 and object information 1, and the media information 1 and object information 1 carried in the verification request belong to the corresponding relationship between reference media information 1 and reference object information 1 in the mapping table, the cloud server can pass the security verification of the media information and object information, i.e., the verification result is "security verification passed."

[0170] In this embodiment, in response to a data processing request, a first prompt message is output. The first prompt message indicates the location of the target area of ​​the terminal device and instructs the payment medium to be placed in the target area. By outputting the first prompt message, the problem of needing to repeatedly try to place the payment medium on the terminal device to detect the payment medium is solved, greatly shortening the time to establish short-range communication between the payment medium and the terminal device. Furthermore, when the payment medium is placed in the target area, short-range communication between the payment medium and the terminal device is established. Then, based on the short-range communication, the medium information of the payment medium is read, including the identifier of the payment medium. Based on the medium information, the object information of the holder of the payment medium is obtained from the historical data of the payment medium. Finally, based on the medium information and the object information, data processing is performed on the payment medium. By directly reading the medium information of the payment medium through near-field communication of the terminal device, the object does not need to manually input the medium information, avoiding errors that may occur when manually inputting the medium information. It also solves the problems of appropriate lighting and proper placement of the payment medium at the right distance when using image recognition payment mediums, reducing certain learning and usage costs. While improving the accuracy of obtaining the medium information, it also saves time in obtaining the medium information, and can quickly realize subsequent data processing such as card binding, unbinding, and payment of the payment medium, improving the data processing efficiency of the payment medium. In addition, based on the medium information of the payment medium, the object information of the holder can be directly obtained from the historical data of the payment medium, without the object needing to input the object information, further improving the data processing efficiency of the payment medium.

[0171] Please see Figure 6 , Figure 6 This is a flowchart illustrating another data processing method provided in an embodiment of this application. This data processing method can be executed by a terminal device, and the data processing method described in this embodiment may include the following steps S601-S606:

[0172] S601. In response to the data processing request, output the first prompt information, which is used to indicate the location of the target area of ​​the terminal device and to instruct the payment medium to be placed in the target area.

[0173] S602. When the payment medium is placed in the target area, establish short-range communication between the payment medium and the terminal device.

[0174] The specific implementation methods of steps S601-S602 can be found in the specific implementation methods of steps S201-S202 above, and will not be repeated here.

[0175] S603. Obtain the identifier of the target application in the payment medium based on short-range communication. The medium information of the payment medium is stored in the target application. The payment medium can support one or more applications, which can be understood as one or more applications running on the payment medium; one or more applications can contain the target application; the target application can be determined according to the medium type of the payment medium. For example, if the payment medium is a UnionPay debit card, then the target application is a UnionPay debit card application; as another example, if the payment medium is a UnionPay credit card, then the target application is a UnionPay credit card application.

[0176] In order to successfully obtain the medium information of the payment medium from a specific target application, before executing step S603, the terminal device can determine the target application that can obtain the medium information of the payment medium from one or more applications supported by the payment medium. This application embodiment uses an integrated circuit card as an example to describe in detail how to determine the target application from one or more applications supported by the payment medium. An application protocol data unit is configured in the integrated circuit card. The terminal device can use the specifications of the application protocol data unit to interact with the integrated circuit card. In this case, the specific implementation of the terminal device obtaining the identifier of the target application in the payment medium based on short-range communication can be as follows: Based on short-range communication, a program query instruction is generated according to the specifications of the application protocol data unit, and the program query instruction is sent to the payment medium. This program query instruction is used to query the applications supported by the payment medium; the application list returned by the payment medium in response to the program query instruction is received, and the application list includes the identifiers of one or more applications supported by the payment medium; then the identifier of the target application is obtained from the application list.

[0177] The Application Protocol Data Unit (APDU) can be a program query instruction with a specific format (multiple fields) and specific content (filling each field with corresponding content) according to the APDU specification. This specific format and content query instruction allows the APDU in the payment medium to quickly identify the application or other data that the terminal device wants to query. After receiving the program query instruction, the payment medium can respond to it by obtaining a list of applications supported by the payment medium and returning the application list according to the APDU specification. The identifier of any application can be a string. For example, the identifier of a UnionPay debit card application is A000000333010101.

[0178] S604. Trigger the launch of the target application based on the target application's identifier.

[0179] The terminal device can generate a program startup command according to the specification of the application protocol data unit and send the program startup command to the target application. The program startup command carries the identifier of the target application. After receiving the program startup command, the target application responds to the program startup command and starts successfully.

[0180] S605, send an information query instruction to the launched target application; and receive medium information returned by the target application in response to the information query instruction, the medium information including the identifier of the payment medium.

[0181] The terminal device can generate an information query instruction according to the specifications of the application protocol data unit and send the information query instruction to the launched target application. This information query instruction is used to query the medium information of the payment medium stored in the target application. After receiving the information query instruction, the launched target application directly obtains the medium information of the payment medium based on the payment medium identifier and returns the medium information of the payment medium to the terminal device; correspondingly, the terminal device can receive the medium information returned by the launched target application in response to the information query instruction.

[0182] In one embodiment, before executing step S606, the terminal device needs to verify the medium information. Verifying the medium information effectively avoids errors in the payment medium's information during transmission, eliminating the need for the holder to reconfirm the medium information. Specifically, the terminal device verifies the medium information. If the verification passes, step S606 is executed; if the verification fails, a second prompt message is output. This second prompt message prompts the user to reread the payment medium's information or to replace it with a new payment medium. The medium information includes one or more of the following: the payment medium's identifier, the payment medium's medium type, and the payment medium's validity period.

[0183] (1) When the medium information includes the identifier of the payment medium, the process of the terminal device to verify the medium information may be as follows: use a verification algorithm to verify the correctness of the identifier of the payment medium. If the verification result indicates that the identifier of the payment medium is correct, the medium information verification is passed; if the verification result indicates that the identifier of the payment medium is incorrect, the medium information verification is not passed. When the identifier of the payment medium is a numeric string, the verification algorithm can be the Luhn algorithm. In this case, verifying the correctness of the payment medium's identifier using the verification algorithm can be done as follows: Starting from the target position in the identifier of the payment medium, multiply the even-numbered digits in the identifier by the target number (e.g., the target number is 2) to obtain the updated even-numbered digits. If the updated even-numbered digits are two-digit numbers, process the updated digits (e.g., add the units and tens digits of the updated digits, or subtract a specified number (e.g., 9) from the updated digits) to obtain new even-numbered digits. The odd-numbered digits in the identifier of the payment medium remain unchanged. Then, the terminal device can sum all the new even-numbered digits and all the odd-numbered digits to obtain the sum of the identifier of the payment medium. If this sum is divisible by a preset data point, the identifier of the payment medium is correct; if the sum is not divisible by the preset data point, the identifier of the payment medium is incorrect. The target position can be the last position in the identifier of the payment medium or the first position in the identifier of the payment medium; the preset data can be 10, 20, etc., which is determined when the identifier of the payment medium is generated. For example, if the payment medium is a bank card and its identifier is the card number, say 1111115525852884, starting from the last digit "4", according to Luhn's algorithm, the odd-numbered digits remain unchanged (i.e., 4, 8, 5...), while the even-numbered digits are multiplied by 2 (i.e., 8, 2, 8...), resulting in an updated digit for each even-numbered position. If the updated digit for an even-numbered position is a two-digit number, it is processed to obtain a new digit for that position (for example, if the even-numbered digit 8 is multiplied by 2 to get 16, and the updated digit 16 is a two-digit number, then the tens digit and the units digit are added together to get a new digit 7). The final sum of the card number is 59, which is not divisible by 10, indicating that the identifier of the payment medium is incorrect.

[0184] (2) When the medium information includes the medium type of the payment medium, the terminal device can verify the medium information by: obtaining the target medium type required for data processing and checking whether the medium type of the payment medium is consistent with the target medium type. If the medium type of the payment medium is consistent with the target medium type, the medium information verification passes; if the medium type of the payment medium is inconsistent with the target medium type, the medium information verification fails.

[0185] (3) When the media information includes the media validity period, the terminal device can verify the media information by: obtaining the current system time and determining whether the current system time is within the media validity period. If the current system time is determined to be within the media validity period, the media information verification passes; if the current system time is determined not to be within the media validity period, the media information verification fails.

[0186] It should be understood that media information includes multiple aspects, such as the payment medium's identifier, medium type, and media validity period. When verifying media information, the terminal device can verify multiple aspects, including the payment medium's identifier, medium type, and media validity period, to determine whether the verification passes or fails. This effectively ensures that the current payment medium meets the requirements or can be used. For example, when the media information includes medium type and media validity period, the terminal device can obtain the target medium type required for data processing and check whether the payment medium's medium type matches the target medium type. If the payment medium's medium type matches the target medium type, the current system time is obtained, and it is determined whether the current system time is within the media validity period. If the current system time is determined to be within the media validity period, the media information verification passes.

[0187] In one embodiment, after receiving the medium information returned by the target application in response to the information query instruction, the terminal device can proactively disconnect the short-range communication with the payment medium and disable its near-field communication hardware. Proactively disconnecting the short-range communication with the payment medium avoids wasting the terminal device's resources. It should be understood that the terminal device can also proactively disconnect the short-range communication with the payment medium after verifying its medium information. This avoids the increased time required to re-establish short-range communication if the medium information is incorrect, improving the efficiency of medium information acquisition and subsequent data processing on the payment medium; it also saves terminal device resources to some extent.

[0188] S606. Based on the medium information, obtain the object information of the holder of the payment medium from the historical data of the payment medium; and perform data processing on the payment medium based on the medium information and the object information.

[0189] In this embodiment, in response to a data processing request, a first prompt message is output. This first prompt message indicates the location of the target area on the terminal device and instructs the payment medium to be placed in the target area. By outputting this first prompt message, the problem of needing to repeatedly attempt to place the payment medium on the terminal device to detect it is solved, significantly shortening the time required to establish short-range communication between the payment medium and the terminal device. Furthermore, when the payment medium is placed in the target area, short-range communication is established between the payment medium and the terminal device. Based on the short-range communication, the identifier of the target application supported by the payment medium is obtained, and the target application is launched based on its identifier. An information query instruction is sent to the launched target application. The medium information returned by the target application in response to the information query instruction is received. Then, based on the medium information, object information of the object holding the payment medium is obtained from the historical data of the payment medium. Finally, based on the medium information and the object information, data processing is performed on the payment medium. By directly reading the medium information of the payment medium through short-range communication on the terminal device, the recipient does not need to manually input the medium information. This improves the accuracy of obtaining the medium information and saves time, enabling rapid data processing and increasing efficiency. Furthermore, after obtaining the medium information, verification of the payment medium further enhances its accuracy. Additionally, based on the medium information, the recipient's information can be directly retrieved from the historical data of the payment medium, eliminating the need for the recipient to input information such as name or ID number, further improving data processing efficiency.

[0190] The data processing method provided in this application can be applied to scenarios such as binding a payment medium to a client, using a payment medium for payment, or unbinding a payment medium already bound to a client. The following example, using a bank card as the payment medium and binding the bank card to a repayment client, will be used to illustrate this data processing method in detail. Please refer to... Figure 7a and Figure 7b :

[0191] (1) As Figure 7a As shown, Figure 7aThis is a flowchart illustrating the process of binding a bank card. When the logged-in user (i.e., the cardholder) wants to bind their bank card to the repayment client, they can open the card binding interface. Correspondingly, the terminal device receives a data processing request for the payment medium (i.e., the card binding request). In response to this request, the terminal device can determine whether its NFC hardware is available via the NFC interface. If the NFC interface call is successful, the NFC hardware is unavailable (meaning the terminal device does not support NFC), and the default card binding interface is displayed. If the NFC interface call fails, the NFC hardware is available (meaning the terminal device supports NFC), and the interface is displayed as shown below. Figure 7b The NFC-enabled card binding interface 701 shown includes a prompt message 71; the prompt message 71 can instruct the user to place their bank card in the target area on the back of the terminal device.

[0192] (2) When the card binding interface is displayed, the terminal device can start NFC monitoring (adapter.startDiscovery), that is, call the NFC hardware in the terminal device to monitor the target area, wait for the login object to place the bank card to be bound in the target area on the back of the terminal device. When the NFC hardware detects that the bank card is placed in the target area (that is, the onDiscovered event is triggered), it can establish short-range communication with the bank card and obtain the card information (i.e., media information) of the bank card based on the short-range communication.

[0193] (3) After receiving the bank card information, the terminal device receives the card information, which includes the card number, card type, and card expiration date. For example... Figure 7a As shown, the terminal device can determine whether the bank card is a credit card. If it is not a credit card, it will prompt the user to use a credit card. If it is a credit card, it will continue to obtain the current system time and determine whether the system time is within the validity period.

[0194] (4) If the system time is within the validity period, determine whether the repayment client in the terminal device has recorded historical card binding data (i.e., the historical binding data mentioned above). If the repayment client in the terminal device has recorded historical card binding data, the historical card binding data can be retrieved from the storage space of the repayment client, and the object information of the bank card holder can be obtained from the historical card binding data. If the system time is not within the validity period, output a prompt message indicating that the bank card has expired and a new bank card should be replaced.

[0195] (5) After obtaining the object information, Figure 7bIn the binding interface 702, the obtained bank card information is automatically filled in area 72, and the object information of the holder is automatically filled in area 73. In one embodiment, the binding interface includes a cancel option 74 and a confirm option 75. When the holder clicks the confirm option 74, the terminal device receives a confirmation operation for the card information and object information, and associates and binds the client's login object account, object information, and card information, that is, the card binding is successful in the client.

[0196] (6) If the repayment client on the terminal device does not record any historical card binding data, that is, the bank card has not been historically bound in the repayment client. Figure 7b As shown, if no historical card binding data is recorded, the object information input interface 703 is displayed, and the bank card information is automatically filled in the object information input interface 703. This object information input interface includes a binding option 76; the holder can enter the object information in the object input interface and click the binding option 76. The terminal device responds to the clicking operation of the binding option, associating and binding the client's logged-in object account, the entered object information, and the card information, that is, the card binding is successful in the client.

[0197] In one embodiment, the specific implementation of establishing near-field communication with the bank card and obtaining the card information (i.e., media information) based on this near-field communication can be found in [reference needed]. Figure 7c , Figure 7c This is a schematic diagram illustrating communication between a terminal device and a bank card, as provided in an embodiment of this application.

[0198] ① The terminal device can start NFC monitoring (adapter.startDiscovery), which means calling the NFC hardware in the terminal device to monitor the target area. When the NFC hardware detects that the bank card is placed in the target area, the terminal device can check and confirm that the bank card supports the NFC ISO-DEP (ISO 14443-4) standard, and start the connection program according to the ISO-DEP (ISO 14443-4) standard. When the terminal device and the bank card are successfully connected, short-range communication between the terminal device and the bank card is established.

[0199] ② The terminal device can send a program query instruction to the bank card based on short-range communication and in accordance with the APDU specification (i.e., specific format and specific content). The program query instruction is used to query the identifier of the application supported by the bank card.

[0200] ③ Receive the list of applications returned by the bank card in response to the program's query command. This list includes the identifiers of one or more applications. The terminal device can determine the identifier of the bank card application (i.e., the identifier of the target application) from the identifiers of one or more applications.

[0201] ④ The terminal device can send a program launch command to the bank card application according to the APDU specification. The program launch command carries the identifier of the bank card application and can trigger the launch of the bank card application.

[0202] ⑤ After the bank card application is launched, the terminal device can send an information query instruction to the launched bank card application according to the APDU specification. After receiving the information query instruction, the launched bank card application can obtain the card information (media information) of the bank card and return the card information of the bank card to the terminal device.

[0203] ⑥ After receiving the bank card information, the terminal device verifies the bank card information to prevent data reading errors caused by communication abnormalities. The card information includes: the bank card number, card type, and card expiration date. First, the Luhn algorithm can be used to verify the correctness of the card number in the card information. If the verification passes, the terminal device closes the near-field communication with the bank card and disables NFC monitoring, and directly executes the following process (i.e., executes the above (3)(4)(5)(6)); otherwise, the bank card information is reread.

[0204] The data processing methods described above achieve the following results:

[0205] 1. Reliability of identification: It does not rely on the network and is simple to operate. The login object (or the holder) only needs to place the bank card on the NFC hardware of the terminal device to quickly and accurately read the card number and other information. At the same time, in order to ensure the accuracy of information during NFC communication transmission, the Luhn verification algorithm is adopted to verify the bank card number, which can effectively avoid errors in the transmission of card number information and eliminate the need for the user to confirm the card number twice.

[0206] 2. Universality of recognition: Applicable to all cards from all bank card associations (such as UnionPay, VISA, Mastercard) (debit cards, credit cards);

[0207] 3. Quick and secure card binding: By combining accurately identified card numbers with the cardholder's historical card binding data on the client side, it can accurately match whether the current bank card has been bound before. If it has been bound before, there is no need to enter the cardholder's name or other information. The cardholder's information can be directly reused from the historical card binding data to quickly bind the card, reducing the user's card binding operation cost and improving the card binding speed and success rate. At the same time, it avoids the risk of personal information leakage that may exist in solutions that rely on network transmission of personal information, such as image recognition and external bank authorization.

[0208] Please see Figure 8 , Figure 8This is a schematic diagram of the structure of a data processing device provided in an embodiment of this application; the data processing device can be a computer program (including program code) running on a terminal device, for example, the data processing device can be an application software in the terminal device; the data processing device can be used to execute Figure 2 and Figure 6 Some or all of the steps in the method embodiments shown. Please refer to [link / reference]. Figure 8 The data processing device includes the following units:

[0209] The processing unit 801 is configured to respond to a data processing request by outputting a first prompt message, the first prompt message being used to indicate the location of the target area of ​​the terminal device and to instruct the payment medium to be placed in the target area;

[0210] The processing unit 801 is also used to establish short-range communication between the payment medium and the terminal device when the payment medium is placed in the target area;

[0211] The processing unit 801 is also used to read the medium information of the payment medium based on near-field communication, the medium information including the identifier of the payment medium;

[0212] The acquisition unit 802 is used to acquire object information of the holder of the payment medium from the historical data of the payment medium based on the medium information;

[0213] The processing unit 801 is also used to perform data processing on the payment medium based on medium information and object information.

[0214] In one embodiment, the processing unit 801 is further configured to:

[0215] The near-field communication hardware in the terminal device is invoked to monitor the target area.

[0216] If a payment medium is detected in the target area, it is determined that the payment medium was placed in the target area;

[0217] The target area refers to any area within the monitoring range of the near-field communication hardware; the location of the target area includes any of the following: any position on the screen of the terminal device, or any position of the terminal device.

[0218] In one embodiment, when the processing unit 801 reads the medium information of the payment medium based on near-field communication, it may specifically be used to:

[0219] The identifier of the target application in the payment medium is obtained based on short-range communication, and the medium information is stored in the target application;

[0220] The target application is launched based on its identifier;

[0221] Send an information query command to the target application that has already been launched; and,

[0222] Receive media information returned by the launched target application in response to the information query command.

[0223] In one embodiment, the payment medium is an integrated circuit card; when the acquisition unit 802 acquires the identifier of the target application in the payment medium based on near-field communication, it may specifically be used for:

[0224] Based on short-range communication, program query instructions are generated according to the specifications of application protocol data units;

[0225] The program query instruction is sent to the payment medium. The program query instruction is used to query the applications supported by the payment medium.

[0226] The payment medium receives a list of applications returned in response to a program query command. The list of applications includes the identifiers of one or more applications supported by the payment medium.

[0227] Retrieve the identifier of the target application from the application list.

[0228] In one embodiment, the method is applied to a first client in a terminal device; the terminal device also includes a second client, which records historical data of the payment medium.

[0229] When processing unit 801 obtains the object information of the holder of the payment medium from the historical data of the payment medium based on the medium information, it can specifically be used for:

[0230] Send a first query request to the second client. The first query request carries the identifier of the payment medium. The first query request is used to request the object information of the holder of the payment medium from the historical data of the payment medium recorded by the second client.

[0231] Receive the object information returned by the second client in response to the first query request;

[0232] The historical data of the payment medium includes one or more of the following: historical payment data of the payment medium in the second client, and historical binding data of the payment medium in the second client.

[0233] In one embodiment, the processing unit 801 is further configured to:

[0234] Check whether the first client has query permissions for the second client;

[0235] If the first client has the query permission of the second client, then the step of sending the first query request to the second client is executed;

[0236] If the first client does not have the query permission of the second client, an authorization request is output. The authorization request is used to request the first client to grant the second client query permission.

[0237] Upon receiving a confirmation operation for the authorization request, the system sets query permissions for the second client for the first client and executes the step of sending a first query request to the second client.

[0238] In one embodiment, the historical data of the payment medium includes the issuance data of the payment medium;

[0239] When obtaining object information of the holder of the payment medium from the historical data of the payment medium based on the medium information, the acquisition unit 802 can be specifically used for:

[0240] Send a second query request to the payment medium issuance system. The second query request carries the identifier of the payment medium and is used to request the object information of the holder of the payment medium from the issuance data of the payment medium recorded in the issuance system.

[0241] Receive the object information returned by the issuing system in response to the second query request.

[0242] In one embodiment, the method is applied to a first client in a terminal device, the first client recording historical data of the payment medium, the historical data of the payment medium including historical binding data of the payment medium in the first client;

[0243] When obtaining object information of the holder of the payment medium from the historical data of the payment medium based on the medium information, the acquisition unit 802 can be specifically used for:

[0244] Based on the medium information, retrieve the historical binding data of the payment medium in the first client from the storage space corresponding to the first client;

[0245] Obtain the object information of the holding object of the payment medium from the historical binding data in the first client.

[0246] In one embodiment, the processing unit 801 is further configured to:

[0247] The medium information is verified. If the verification passes, the step of obtaining the object information of the holder of the payment medium from the historical data of the payment medium based on the medium information is executed.

[0248] If the verification fails, a second prompt message will be output. The second prompt message is used to prompt the reader to reread the payment medium information or to prompt the reader to replace the payment medium with a new one.

[0249] The media information may include one or more of the following: media type, media expiration date.

[0250] In one embodiment, when verifying the medium information, the processing unit 801 may specifically be used to:

[0251] The correctness of the identification of the payment medium is verified using a verification algorithm;

[0252] If the verification result indicates that the identification of the payment medium is correct, then the medium information verification is successful.

[0253] In one embodiment, the media information includes the media type; when verifying the media information, the processing unit 801 may specifically be used for:

[0254] Obtain the target media type required for data processing;

[0255] Check whether the type of the payment medium matches the type of the target medium;

[0256] If they match, the media information verification passes.

[0257] In one embodiment, the media information includes the media validity period; when verifying the media information, the processing unit 801 may specifically be used for:

[0258] Get the current system time;

[0259] Determine if the current system time is within the media's validity period;

[0260] If the current system time is within the media's validity period, the media information verification passes.

[0261] In one embodiment, the method is applied to a first client in a terminal device, and the data processing request is used to request the binding of a payment medium in the first client.

[0262] When processing unit 801 performs data processing on the payment medium based on medium information and object information, it can specifically be used for:

[0263] Display the binding interface;

[0264] The binding interface automatically fills in the read media information and the obtained object information;

[0265] When a confirmation operation for medium information and object information is received, the medium information of the payment medium, the login object account of the first client, and the object information are associated and bound.

[0266] In one embodiment, the data processing request is used to request payment using a payment medium; the data processing request carries order information to be paid.

[0267] When processing unit 801 performs data processing on the payment medium based on medium information and object information, it can specifically be used for:

[0268] Display the payment interface;

[0269] The payment interface automatically fills in the read medium information and the obtained object information;

[0270] When confirmation of media and object information is received, payment is processed on the payment medium based on the order information.

[0271] In one embodiment, the method is applied to a first client in a terminal device, the first client recording historical binding data of the payment medium; the data processing request is used to request the unbinding of the payment medium from the first client;

[0272] When processing unit 801 performs data processing on the payment medium based on medium information and object information, it can specifically be used for:

[0273] Based on medium information and object information, search and display the historical binding data of the payment medium in the first client. The historical binding data includes the association and binding relationship between the payment medium and the login object account in the first client.

[0274] When a confirmation to unbind is received, the association between the payment medium and the login account in the first client is severed.

[0275] In one embodiment, the processing unit 801 is further configured to:

[0276] Send a verification request to the cloud server. The verification request carries media information and object information. The verification request is used to request the cloud server to perform security verification on the media information and object information.

[0277] Receive the verification result returned by the cloud server;

[0278] If the verification result indicates that the security verification was successful, then the steps of performing data processing on the payment medium based on the medium information and object information are executed.

[0279] In this embodiment, in response to a data processing request, a first prompt message is output. The first prompt message indicates the location of the target area of ​​the terminal device and instructs the payment medium to be placed in the target area. By outputting the first prompt message, the problem of needing to repeatedly try to place the payment medium on the terminal device to detect the payment medium is solved, greatly shortening the time required to establish short-range communication between the payment medium and the terminal device. Furthermore, when the payment medium is placed in the target area, short-range communication is established between the payment medium and the terminal device. Then, the medium information of the payment medium is read based on the short-range communication. Based on the medium information, the object information of the holder of the payment medium is obtained from the historical data of the payment medium. And, based on the medium information and the object information, data processing is performed on the payment medium. By directly reading the medium information of the payment medium through short-range communication of the terminal device, the object does not need to manually input the medium information, avoiding errors that may occur when manually inputting the medium information. It also solves the problems of appropriate lighting and placing the payment medium face-up at the appropriate distance, which are necessary when using image recognition payment mediums. This not only improves the accuracy of obtaining the medium information, but also saves time in obtaining the medium information, enabling rapid subsequent data processing of the payment medium and improving the efficiency of data processing. In addition, based on the medium information of the payment medium, the object information of the holder can be directly obtained from the historical data of the payment medium, without the need to input the object information of the holder, further improving the efficiency of data processing of the payment medium.

[0280] Furthermore, this application also provides a schematic diagram of the structure of a terminal device, which can be found in the following embodiments: Figure 9 The terminal device is equipped with near-field communication hardware and runs a client application. The terminal device may include a processor 901, an input device 902, an output device 903, and a memory 904. The processor 901, input device 902, output device 903, and memory 904 are connected via a bus. The memory 904 stores computer programs, including program instructions, and the processor 901 executes the program instructions stored in the memory 904.

[0281] In this embodiment of the application, the processor 901 performs the following operations by running the executable program code in the memory 904:

[0282] In response to a data processing request, a first prompt message is output. The first prompt message is used to indicate the location of the target area of ​​the terminal device and to instruct the payment medium to be placed in the target area.

[0283] When the payment medium is placed in the target area, short-range communication is established between the payment medium and the terminal device;

[0284] The medium information of the payment medium is read based on short-range communication, and the medium information includes the identifier of the payment medium;

[0285] Based on the medium information, obtain the object information of the holder of the payment medium from the historical data of the payment medium; and,

[0286] Data processing is performed on the payment medium based on medium information and object information.

[0287] In one embodiment, the processor 901 is further configured to:

[0288] The near-field communication hardware in the terminal device is invoked to monitor the target area.

[0289] If a payment medium is detected in the target area, it is determined that the payment medium was placed in the target area;

[0290] The target area refers to any area within the monitoring range of the near-field communication hardware; the location of the target area includes any of the following: any position on the screen of the terminal device, or any position of the terminal device.

[0291] In one embodiment, when the processor 901 reads the medium information of the payment medium based on near-field communication, it may specifically be used for:

[0292] The identifier of the target application in the payment medium is obtained based on short-range communication, and the medium information is stored in the target application;

[0293] The target application is launched based on its identifier;

[0294] Send an information query command to the target application that has already been launched; and,

[0295] Receive media information returned by the launched target application in response to the information query command.

[0296] In one embodiment, the payment medium is an integrated circuit card; when the processor 901 obtains the identifier of the target application in the payment medium based on near-field communication, it may specifically be used to:

[0297] Based on short-range communication, program query instructions are generated according to the specifications of application protocol data units;

[0298] The program query instruction is sent to the payment medium. The program query instruction is used to query the applications supported by the payment medium.

[0299] The payment medium receives a list of applications returned in response to a program query command. The list of applications includes the identifiers of one or more applications supported by the payment medium.

[0300] Retrieve the identifier of the target application from the application list.

[0301] In one embodiment, the method is applied to a first client in a terminal device; the terminal device also includes a second client, which records historical data of the payment medium.

[0302] When processor 901 retrieves object information of the holder of the payment medium from historical data of the payment medium based on the medium information, it can be specifically used for:

[0303] Send a first query request to the second client. The first query request carries the identifier of the payment medium. The first query request is used to request the object information of the holder of the payment medium from the historical data of the payment medium recorded by the second client.

[0304] Receive the object information returned by the second client in response to the first query request;

[0305] The historical data of the payment medium includes one or more of the following: historical payment data of the payment medium in the second client, and historical binding data of the payment medium in the second client.

[0306] In one embodiment, the processor 901 is further configured to:

[0307] Check whether the first client has query permissions for the second client;

[0308] If the first client has the query permission of the second client, then the step of sending the first query request to the second client is executed;

[0309] If the first client does not have the query permission of the second client, an authorization request is output. The authorization request is used to request the first client to grant the second client query permission.

[0310] Upon receiving a confirmation operation for the authorization request, the system sets query permissions for the second client for the first client and executes the step of sending a first query request to the second client.

[0311] In one embodiment, the historical data of the payment medium includes the issuance data of the payment medium;

[0312] When processor 901 retrieves object information of the holder of the payment medium from historical data of the payment medium based on the medium information, it can be specifically used for:

[0313] Send a second query request to the payment medium issuance system. The second query request carries the identifier of the payment medium and is used to request the object information of the holder of the payment medium from the issuance data of the payment medium recorded in the issuance system.

[0314] Receive the object information returned by the issuing system in response to the second query request.

[0315] In one embodiment, the method is applied to a first client in a terminal device, the first client recording historical data of the payment medium, the historical data of the payment medium including historical binding data of the payment medium in the first client;

[0316] When processor 901 retrieves object information of the holder of the payment medium from historical data of the payment medium based on the medium information, it can be specifically used for:

[0317] Based on the medium information, retrieve the historical binding data of the payment medium in the first client from the storage space corresponding to the first client;

[0318] Obtain the object information of the holding object of the payment medium from the historical binding data in the first client.

[0319] In one embodiment, the processor 901 is further configured to:

[0320] The medium information is verified. If the verification passes, the step of obtaining the object information of the holder of the payment medium from the historical data of the payment medium based on the medium information is executed.

[0321] If the verification fails, a second prompt message will be output. The second prompt message is used to prompt the reader to reread the payment medium information or to prompt the reader to replace the payment medium with a new one.

[0322] The media information may include one or more of the following: media type, media expiration date.

[0323] In one embodiment, when verifying media information, the processor 901 may specifically be used to:

[0324] The correctness of the identification of the payment medium is verified using a verification algorithm;

[0325] If the verification result indicates that the identification of the payment medium is correct, then the medium information verification is successful.

[0326] In one embodiment, the media information includes the media type; when verifying the media information, the processor 901 may specifically be used for:

[0327] Obtain the target media type required for data processing;

[0328] Check whether the type of the payment medium matches the type of the target medium;

[0329] If they match, the media information verification passes.

[0330] In one embodiment, the media information includes the media validity period; when verifying the media information, the processor 901 may specifically be used for:

[0331] Get the current system time;

[0332] Determine if the current system time is within the media's validity period;

[0333] If the current system time is within the media's validity period, the media information verification passes.

[0334] In one embodiment, the method is applied to a first client in a terminal device, and the data processing request is used to request the binding of a payment medium in the first client.

[0335] When processor 901 performs data processing on the payment medium based on medium information and object information, it can specifically be used for:

[0336] Display the binding interface;

[0337] The binding interface automatically fills in the read media information and the obtained object information;

[0338] When a confirmation operation for medium information and object information is received, the medium information of the payment medium, the login object account of the first client, and the object information are associated and bound.

[0339] In one embodiment, the data processing request is used to request payment using a payment medium; the data processing request carries order information to be paid.

[0340] When processor 901 performs data processing on the payment medium based on medium information and object information, it can specifically be used for:

[0341] Display the payment interface;

[0342] The payment interface automatically fills in the read medium information and the obtained object information;

[0343] When confirmation of media and object information is received, payment is processed on the payment medium based on the order information.

[0344] In one embodiment, the method is applied to a first client in a terminal device, the first client recording historical binding data of the payment medium; the data processing request is used to request the unbinding of the payment medium from the first client;

[0345] When processor 901 performs data processing on the payment medium based on medium information and object information, it can specifically be used for:

[0346] Based on medium information and object information, search and display the historical binding data of the payment medium in the first client. The historical binding data includes the association and binding relationship between the payment medium and the login object account in the first client.

[0347] When a confirmation to unbind is received, the association between the payment medium and the login account in the first client is severed.

[0348] In one embodiment, the processor 901 is further configured to:

[0349] Send a verification request to the cloud server. The verification request carries media information and object information. The verification request is used to request the cloud server to perform security verification on the media information and object information.

[0350] Receive the verification result returned by the cloud server;

[0351] If the verification result indicates that the security verification was successful, then the steps of performing data processing on the payment medium based on the medium information and object information are executed.

[0352] In this embodiment, in response to a data processing request, a first prompt message is output. The first prompt message indicates the location of the target area of ​​the terminal device and instructs the payment medium to be placed in the target area. By outputting the first prompt message, the problem of needing to repeatedly try to place the payment medium on the terminal device to detect the payment medium is solved, greatly shortening the time required to establish short-range communication between the payment medium and the terminal device. Furthermore, when the payment medium is placed in the target area, short-range communication is established between the payment medium and the terminal device. Then, the medium information of the payment medium is read based on the short-range communication. Based on the medium information, the object information of the holder of the payment medium is obtained from the historical data of the payment medium. And, based on the medium information and the object information, data processing is performed on the payment medium. By directly reading the medium information of the payment medium through short-range communication of the terminal device, the object does not need to manually input the medium information, avoiding errors that may occur when manually inputting the medium information. It also solves the problems of appropriate lighting and placing the payment medium face-up at the appropriate distance, which are necessary when using image recognition payment mediums. This not only improves the accuracy of obtaining the medium information, but also saves time in obtaining the medium information, enabling rapid subsequent data processing of the payment medium and improving the efficiency of data processing. In addition, based on the medium information of the payment medium, the object information of the holder can be directly obtained from the historical data of the payment medium, without the need to input the object information of the holder, further improving the efficiency of data processing of the payment medium.

[0353] Furthermore, it should be noted that this application also provides a computer-readable storage medium storing a computer program, which includes program instructions. When a processor executes these program instructions, it can execute the aforementioned... Figure 2 and Figure 6 The methods described in the corresponding embodiments are therefore not repeated here. For technical details not disclosed in the computer-readable storage medium embodiments involved in this application, please refer to the description of the method embodiments of this application. As an example, program instructions can be deployed on a terminal device, or executed on multiple terminal devices located in one location, or executed on multiple terminal devices distributed in multiple locations and interconnected through a communication network.

[0354] According to one aspect of this application, a computer program product is provided, comprising a computer program stored in a computer-readable storage medium. A processor of a terminal device reads the computer program from the computer-readable storage medium and executes the computer program, enabling the terminal device to perform the aforementioned... Figure 2 and Figure 6 The methods described in the corresponding embodiments are therefore not repeated here.

[0355] Those skilled in the art will understand that all or part of the processes in the above embodiments can be implemented by a computer program instructing related hardware. The program can be stored in a computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. The storage medium can be a magnetic disk, optical disk, read-only memory (ROM), or random access memory (RAM), etc.

[0356] The above-disclosed embodiments are merely preferred embodiments of this application and should not be construed as limiting the scope of this application. Those skilled in the art will understand that implementing all or part of the processes of the above embodiments and making equivalent changes in accordance with the claims of this application are still within the scope of the invention.

Claims

1. A data processing method, characterized by, The method is applied to a first client in a terminal device, the terminal device further comprising a second client, the second client being any client in the terminal device other than the first client, and the second client recording history data of a payment medium; the method comprising: outputting first prompt information in response to a data processing request when successfully invoking a near field communication interface, the near field communication interface being used to indicate that a near field communication hardware is in an available state, and the first prompt information being used to indicate a location of a target area of the terminal device and instructing to place the payment medium in the target area; the payment medium being an integrated circuit card; establishing near distance communication between the payment medium and the terminal device when the payment medium is placed in the target area; generating a program query instruction according to a specification of an application protocol data unit based on the near distance communication; sending the program query instruction to the payment medium, the program query instruction being used to query an application program supported by the payment medium; receiving an application program list returned by the payment medium in response to the program query instruction, the application program list comprising an identification of one or more application programs supported by the payment medium; triggering to start a target application program according to the identification of the target application program obtained from the application program list, sending an information query instruction to the started target application program, receiving medium information returned by the started target application program in response to the information query instruction, and actively disconnecting the near distance communication between the payment medium and the terminal device, and closing the near field communication hardware, the medium information comprising an identification of the payment medium, and the medium information being stored in the target application program; outputting an authorization request if it is detected that the first client does not have a query right of the second client, the authorization request being used to request a login object of the first client to grant the query right of the second client to the first client; setting the query right of the second client for the first client when receiving a confirmation operation for the authorization request; sending a first query request to the second client if it is detected that the first client has the query right of the second client, the first query request carrying the identification of the payment medium, and the first query request being used to request to query object information of a holder of the payment medium from the history data of the payment medium recorded in the second client, the history data of the payment medium comprising any one or more of the following: historical payment data of the payment medium in the second client, and historical binding data of the payment medium in the second client; receiving the object information returned by the second client in response to the first query request; obtaining the object information of the holder of the payment medium from the history data of the payment medium according to the medium information; and performing data processing on the payment medium based on the medium information and the object information.

2. The method of claim 1, wherein, The method further comprises: Monitoring the target area by calling near field communication hardware in the terminal device; If the payment medium is monitored in the target area, it is determined that the payment medium is placed in the target area; The target area refers to any area within the monitoring range of the near field communication hardware; the position of the target area includes any one of the following: any position in the screen of the terminal device, any position of the terminal device, and any position that can be monitored by the near field communication hardware in the terminal device.

3. The method of claim 1 or 2, wherein, The method further comprises: Verifying the medium information, and if the verification is passed, performing the step of detecting whether the first client has the query authority of the second client; If the verification is not passed, outputting second prompt information, which is used to prompt to re-read the medium information of the payment medium or to replace a new payment medium; The medium information further includes any one or more of the following: medium type, medium validity period.

4. The method of claim 3, wherein, The verification of the medium information comprises: Verifying the correctness of the identifier of the payment medium by using a verification algorithm; If the verification result indicates that the identifier of the payment medium is correct, the verification of the medium information is passed.

5. The method of claim 3, wherein, The medium information includes a medium type; the verification of the medium information comprises: Obtaining a target medium type required for data processing; Detecting whether the medium type of the payment medium is consistent with the target medium type; If they are consistent, the verification of the medium information is passed.

6. The method of claim 3, wherein, The medium information includes a medium validity period; The verification of the medium information comprises: Obtaining the current system time; Judging whether the current system time is within the medium validity period; If the current system time is within the medium validity period, the verification of the medium information is passed.

7. The method of claim 1, wherein, The method is applied to a first client in a terminal device, and the data processing request is used to request to bind the payment medium in the first client; The data processing of the payment medium based on the medium information and the object information comprises: Displaying a binding interface; Automatically filling the read medium information and automatically filling the obtained object information in the binding interface; When receiving a confirmation operation on the medium information and the object information, associating and binding the medium information of the payment medium, the login object account of the first client, and the object information.

8. The method of claim 1, wherein, The data processing request is used to request payment using the payment medium; the data processing request carries order information to be paid; The data processing of the payment medium based on the medium information and the object information comprises: Displaying a payment interface; Automatically filling the read medium information and automatically filling the obtained object information in the payment interface; When receiving a confirmation operation on the medium information and the object information, performing payment processing on the payment medium based on the order information.

9. The method of claim 1, wherein, The method is applied to a first client in a terminal device, and historical binding data of the payment medium is recorded in the first client; the data processing request is used to request to unbind the payment medium from the first client; The data processing on the payment medium based on the medium information and the object information comprises: Based on the medium information and the object information, historical binding data of the payment medium in the first client is searched and displayed, and the historical binding data comprises an associated binding relationship between the payment medium and a login object account in the first client; When receiving an unbinding confirmation operation, the associated binding relationship between the payment medium and the login object account in the first client is removed.

10. The method of claim 1 or 2, wherein, The method further comprises: sending a verification request to a cloud server, the verification request carrying the medium information and the object information, the verification request being used to request the cloud server to perform security verification on the medium information and the object information; receiving a verification result returned by the cloud server; if the verification result indicates that the security verification is successful, performing the step of performing the data processing on the payment medium based on the medium information and the object information.

11. A data processing apparatus, characterized by The device runs in a first client in a terminal device, and the terminal device further comprises a second client, which is any client in the terminal device except the first client, and historical data of a payment medium is recorded in the second client; the device comprises: a processing unit, configured to, when a near field communication interface is successfully called, output first prompt information in response to a data processing request, the near field communication interface being used to indicate that near field communication hardware is in an available state, the first prompt information being used to indicate a position of a target area of the terminal device and to indicate that a payment medium is placed in the target area; the payment medium is an integrated circuit card; the processing unit is further configured to, when the payment medium is placed in the target area, establish near distance communication between the payment medium and the terminal device; and the processing unit is further configured to, when the payment medium is placed in the target area, establish near distance communication between the payment medium and the terminal device. The processing unit is further configured to generate a program query instruction according to an application protocol data unit specification based on the close-range communication, send the program query instruction to the payment medium, the program query instruction being used to query an application program supported by the payment medium, receive an application program list returned by the payment medium in response to the program query instruction, the application program list including an identification of one or more application programs supported by the payment medium, obtain the identification of the target application program from the application program list, trigger the target application program based on the identification of the target application program obtained from the application program list, send an information query instruction to the started target application program, receive medium information returned by the started target application program in response to the information query instruction, and actively disconnect the close-range communication between the payment medium and the first client, and close the near field communication hardware, the medium information including an identification of the payment medium, and the medium information being stored in the target application program. The obtaining unit is configured to output an authorization request if it is detected that the first client does not have the query permission of the second client, the authorization request being used to request a login object of the first client to grant the query permission of the second client to the first client, set the query permission of the second client for the first client if a confirmation operation for the authorization request is received, send a first query request to the second client if it is detected that the first client has the query permission of the second client, the first query request carrying the identification of the payment medium, the first query request being used to request the object information of the object holding the payment medium from historical data of the payment medium recorded in the second client, the historical data of the payment medium including any one or more of the following: historical payment data of the payment medium in the second client, historical binding data of the payment medium in the second client, and receive the object information returned by the second client in response to the first query request. The processing unit is further configured to perform data processing on the payment medium based on the medium information and the object information.

12. A terminal device, comprising: The computer program is stored in the computer storage medium and executed by the processor to implement the data processing method according to any one of claims 1-10. The computer program is stored in the computer storage medium and executed by the processor to implement the data processing method according to any one of claims 1-10. The computer program product includes the computer program, and the computer program is executed by the processor to implement the data processing method according to any one of claims 1-10.

13. A computer-readable storage medium, characterized in that, ​ 14. A computer program product, characterised in that, ​

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