Card swiping method and device, terminal equipment, wearable equipment, medium and product

Abstract

The embodiment of the invention discloses a card swiping method and device, terminal equipment, wearable equipment, a medium and a product, and relates to the field of wearable equipment. The method is used for terminal equipment, first communication connection is established between the terminal equipment and first wearable equipment, and the method comprises the steps that a simulation card selection request sent by the first wearable equipment is received through the first communication connection, and the simulation card selection request is sent when the first wearable equipment enters a radio frequency field of a card reader; determining a target simulation card suitable for the current card swiping scene; and sending a simulation card selection response to the first wearable device through the first communication connection, wherein the simulation card selection response is used for indicating to use the target simulation card to swipe the card. According to the card swiping method provided by the invention, the target simulation card suitable for the current card swiping scene can be determined for the wearable device by utilizing the capability of the terminal device, and the card swiping efficiency is improved.

Description

Technical Field

[0001] The embodiments of the present application relate to the field of wearable devices, and in particular to a card swiping method, apparatus, terminal device, wearable device, medium, and product. Background Art

[0002] With the development of wearable technology, devices such as smartwatches and wristbands can be equipped with Near Field Communication (NFC) to enable card payment, access control, and other operations. In related technologies, when multiple simulated cards are present, wearable devices may use scene perception technology to automatically select the target simulated card for operation by analyzing the surrounding environment or user behavior patterns.

[0003] However, the scene perception capability of wearable devices is limited, and the efficiency and accuracy of wearable devices in automatically selecting target simulated cards are low, which leads to low efficiency of card swiping. Summary of the Invention

[0004] The embodiments of the present application provide a card swiping method, apparatus, terminal device, wearable device, medium, and product. The technical solution is as follows:

[0005] In one aspect, an embodiment of the present application provides a card swiping method, which is used for a terminal device, wherein the terminal device establishes a first communication connection with a first wearable device, and the method includes:

[0006] receiving, through the first communication connection, a simulated card selection request sent by the first wearable device, wherein the simulated card selection request is sent when the first wearable device enters a radio frequency field of a card reader;

[0007] Determine the target simulated card suitable for the current card swiping scenario;

[0008] A simulated card selection response is sent to the first wearable device through the first communication connection, where the simulated card selection response is used to indicate that the target simulated card is used for swiping.

[0009] On the other hand, an embodiment of the present application provides a card swiping device, which is used for a terminal device, and the terminal device establishes a first communication connection with a first wearable device, and the device includes:

[0010] a first receiving module, configured to receive, through the first communication connection, a simulated card selection request sent by the first wearable device, where the simulated card selection request is sent when the first wearable device enters a radio frequency field of a card reader;

[0011] A determination module, used to determine a target simulated card suitable for the current card swiping scenario;

[0012] The first sending module is used to send a simulated card selection response to the first wearable device through the first communication connection, where the simulated card selection response is used to indicate the use of the target simulated card for card swiping.

[0013] On the other hand, an embodiment of the present application provides a card swiping method, which is used for a first wearable device, where a first communication connection is established between the first wearable device and a terminal device, and the method includes:

[0014] When entering the radio frequency field of the card reader, sending a simulated card selection request to the terminal device through the first communication connection;

[0015] receiving, via the first communication connection, a simulated card selection response sent by the terminal device, wherein the simulated card selection response is used to indicate the use of a target simulated card applicable to a current card swiping scenario for near field communication;

[0016] Based on the simulated card selection response, a card swipe is performed with the target simulated card.

[0017] On the other hand, an embodiment of the present application provides a card swiping device, which is used for a first wearable device, and the first wearable device establishes a first communication connection with a terminal device, and the device includes:

[0018] a second sending module, configured to send a simulated card selection request to the terminal device through the first communication connection when entering the radio frequency field of the card reader;

[0019] a second receiving module, configured to receive, through the first communication connection, a simulated card selection response sent by the terminal device, wherein the simulated card selection response is used to indicate the use of a target simulated card applicable to a current card swiping scenario for near field communication;

[0020] The card swiping module is used to swipe the target simulated card based on the simulated card selection response.

[0021] On the other hand, an embodiment of the present application provides a terminal device, which includes a processor and a memory; the memory stores at least one computer instruction, and the at least one computer instruction is used to be executed by the processor to implement the card swiping method described above.

[0022] On the other hand, an embodiment of the present application provides a wearable device, which includes a processor and a memory; the memory stores at least one computer instruction, and the at least one computer instruction is used to be executed by the processor to implement the card swiping method described above.

[0023] On the other hand, an embodiment of the present application provides a computer-readable storage medium, in which at least one computer instruction is stored. The computer instruction is loaded and executed by a processor to implement the card swiping method described in the above aspects.

[0024] In another aspect, an embodiment of the present application provides a computer program product, comprising computer instructions stored in a computer-readable storage medium. A processor reads the computer instructions from the computer-readable storage medium and executes the computer instructions to implement the card swiping method described in the above aspects.

[0025] In an embodiment of the present application, when the first wearable device enters the radio frequency field of the card reader, a simulated card selection request is sent to the terminal device through the first communication connection, and the terminal device determines the target simulated card suitable for the current card swiping scenario. Compared with the first wearable device, the terminal device has stronger perception capabilities and data processing capabilities for the current card swiping scenario. Therefore, the efficiency and accuracy of determining the target simulated card suitable for the current card swiping scenario by the terminal device are higher; the terminal device sends a simulated card selection response to the first wearable device through the first communication connection, so that the first wearable device uses the target simulated card to swipe the card, which can improve the efficiency of card swiping. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0027] Figure 1 is a schematic diagram of a computer system provided by an exemplary embodiment of the present application;

[0028] Figure 2 This is a flowchart of a card swiping method performed by a terminal device according to an exemplary embodiment of the present application;

[0029] Figure 3 This is a flowchart of a card swiping method provided by an embodiment of the present application when a first wearable device is set or not set with a target simulated card;

[0030] Figure 4 This is a schematic diagram of determining a target simulated card suitable for a current card swiping scenario based on scenario information of the current card swiping scenario, provided by an exemplary embodiment of the present application;

[0031] Figure 5This is a schematic diagram of an exemplary embodiment of the present application providing a terminal device updating a simulated card selection strategy based on a card swiping result;

[0032] Figure 6 is a timing diagram of a terminal device sending a pre-selection instruction to a first wearable device provided by an exemplary embodiment of the present application;

[0033] Figure 7 is a flowchart of a card swiping method performed by a first wearable device provided by an exemplary embodiment of the present application;

[0034] Figure 8 This is a structural block diagram of a card swiping device provided by an exemplary embodiment of the present application;

[0035] Figure 9 This is a structural block diagram of a card swiping device provided by an exemplary embodiment of the present application;

[0036] Figure 10 It is a structural diagram of a computer device provided by an exemplary embodiment of the present application. DETAILED DESCRIPTION

[0037] In order to make the objectives, technical solutions and advantages of this application clearer, the implementation methods of this application will be further described in detail below with reference to the accompanying drawings.

[0038] In related technologies, wearable devices can use scene perception technology to automatically select a suitable target simulated card from multiple simulated cards for card swiping by analyzing surrounding environmental information or user behavior patterns. However, wearable devices have limited scene perception capabilities (for example, the data acquisition cost of wearable devices is high, and the efficiency of collecting and analyzing data is relatively low). This results in low efficiency and accuracy in automatically selecting the target simulated card through wearable devices, which in turn leads to low card swiping efficiency.

[0039] Based on this, this application proposes a card swiping method, in which the wearable device sends a simulated card selection request to the terminal device so that the terminal device can determine the target simulated card suitable for the current card swiping scenario, thereby utilizing the perception ability of the terminal device to improve the efficiency and accuracy of automatically selecting the target simulated card.

[0040] See also Figure 1 , Figure 1 FIG. 1 is a schematic diagram of a computer system provided by an exemplary embodiment of the present application. The computer system includes a terminal device 110 , a wearable device 120 , and a card reader 130 .

[0041] The terminal device 110 can be a portable terminal such as a smartphone, a tablet computer, a portable mobile terminal, or a laptop computer, a desktop computer, a vehicle-mounted terminal, or any other possible type of terminal, without limitation. This specification uses the example of the terminal device 110 being a smartphone as an example, but does not constitute a limitation to this. In some embodiments, the terminal device 110 can establish a communication connection with the wearable device 120 to achieve interactive control. For example, the terminal device 110 and the wearable device 120 can be connected via Bluetooth or WIFI (Wireless Fidelity).

[0042] Wearable device 120 includes portable devices such as smartwatches and smart bracelets. In some embodiments, wearable device 120 includes a built-in NFC chip. Using electromagnetic induction coupling, data is exchanged between the wearable device 120 and the card reader 130 when they are in close proximity, enabling card swiping. For example, a user can add simulated cards such as transit cards, bank cards, and access control cards to the wearable device 120 interface, allowing them to quickly pay for rides, consumer goods, or access control without unlocking the screen.

[0043] The card reader 130 is primarily used to read information from various storage media. Commonly supported card types include ID cards, bank cards, and access control cards. Using built-in radio frequency identification (RFID) or contactless chip reading technology, it can quickly and accurately retrieve user identity information and account data stored on the card, enabling functions such as automatic access control and payment.

[0044] In some embodiments, a communication connection is established between the terminal device 110 and the wearable device 120. When the wearable device 120 enters the radio frequency field of the card reader 130, the wearable device 120 sends a simulated card selection request to the terminal device 110, so that the terminal device 110 determines the target simulated card and returns a simulated card selection response to the wearable device 120. The wearable device 120 swipes the target simulated card based on the simulated card indicated in the simulated card selection response.

[0045] It should be noted that the above embodiment only describes the general architecture of the computer system. The system may also include more or fewer components, or combine certain components, and this embodiment does not limit this.

[0046] See also Figure 2 , Figure 2 This is a flowchart of a card swiping method performed by a terminal device according to an exemplary embodiment of the present application.

[0047] In some embodiments, the method is used in a terminal device. The terminal device establishes a first communication connection with a first wearable device. The method includes the following steps.

[0048] Step 201: receiving a simulated card selection request sent by a first wearable device through a first communication connection, where the simulated card selection request is sent by the first wearable device when the first wearable device enters a radio frequency field of a card reader.

[0049] Optionally, the first wearable device includes but is not limited to smart watches, smart bracelets, smart glasses, smart headphones, smart clothing, head-mounted or chest-mounted smart devices, or any other possible wearable device that can be used for NFC card swiping, without limitation.

[0050] Optionally, the terminal device may be a light and portable terminal such as a smart phone, a tablet computer, a portable mobile terminal, or a laptop computer, a desktop computer, a vehicle-mounted terminal or any other possible type of terminal, without limitation.

[0051] Optionally, the first communication connection may include a wireless communication connection method such as Bluetooth communication connection, WIFI communication connection, or ultra-wideband communication connection, or the first communication connection may also include a wired communication connection method such as USB connection, magnetic or contact connection, or a mobile cellular network communication connection method may also be used, without limitation.

[0052] In some embodiments, the simulated card selection request is used to instruct the terminal device to determine a target simulated card from one or more candidate simulated cards.

[0053] Among them, the candidate simulated card can be a simulated card set in the terminal device or the first wearable device for implementing NFC card swiping.

[0054] Optionally, different candidate sim cards may have different card types, for example, including transit cards, bank cards, and access control cards. Optionally, different candidate sim cards may be applicable to different regions, for example, including subway cards applicable to City A and subway cards applicable to City B. Optionally, different candidate sim cards may have different remaining validity periods.

[0055] Optionally, the simulated card selection request includes simulated card information of the simulated card set in the first wearable device, such as the name or code of the simulated card, whether the simulated card is activated (such as bank cards in the lost state are automatically excluded), the remaining validity period (expired cards are automatically excluded), regional applicability (such as whether a locally processed bus card is applicable to foreign scenarios), etc.

[0056] Optionally, the simulated card selection request includes card reader information obtained by the first wearable device (such as the device ID of the card reader, which is used to distinguish different scenarios such as access control card readers, bus gates, POS machines, etc.).

[0057] Optionally, the simulated card selection request may also include information perceived by the wearable device, such as sound, image, user characteristics (such as movement speed, body temperature, blood pressure, heart rate, etc.) or other information perceived by sensors of the wearable device.

[0058] In some embodiments, when the first wearable device enters the radio frequency field of the card reader, the first wearable device sends a simulated card selection request to the terminal device through the first communication connection, and the terminal device receives the simulated card selection request sent by the first wearable device through the first communication connection.

[0059] Step 202: Determine a target simulated card suitable for the current card swiping scenario.

[0060] A card swiping scenario refers to the scenario where a simulated card is swiped through a card reader. For example, the current card swiping scenario may be swiping at a subway station A, swiping at a bus stop B, swiping at an access control system C, or swiping at a credit card platform D.

[0061] In some embodiments, upon receiving a simulated card selection request, the terminal device filters out a target simulated card suitable for the current card swiping scenario from one or more candidate simulated cards.

[0062] In one possible implementation, the terminal device may determine a target simulated card suitable for the current card swiping scenario through scene information perceived by the terminal device (such as the image, sound, temperature, geographic location, etc. of the current environment).

[0063] In another possible implementation, the terminal device can obtain at least one of the scene information and user characteristics (such as movement speed, body temperature, heart rate, etc.) perceived by the first wearable device, and analyze and process the scene information and user characteristics and other data perceived by the first wearable device to determine the target simulated card suitable for the current card swiping scenario.

[0064] In another possible implementation, the terminal device can also combine the scene information perceived by the terminal device, as well as the scene information and user characteristics perceived by the first wearable device to determine the target simulated card suitable for the current card swiping scenario.

[0065] In some embodiments, the terminal can determine the scene information of the current card swiping scene, and based on the scene information and the card information of at least one candidate simulated card, adopt a simulated card selection strategy to determine the target simulated card suitable for the current card swiping scene from at least one candidate simulated card.

[0066] For more specific methods for the terminal device to determine the target simulated card suitable for the current card swiping scenario, please refer to the embodiments and descriptions below, which will not be repeated here.

[0067] Step 203: Send a simulated card selection response to the first wearable device through the first communication connection, where the simulated card selection response is used to indicate that the target simulated card is used for swiping.

[0068] Optionally, the simulated card selection response includes a target simulated card identifier, which is used to indicate the target simulated card determined by the terminal device to be suitable for the current card swiping scenario.

[0069] Optionally, the simulated card selection response includes the card type of the target simulated card, such as an access card, a bank card, a transportation card, or a campus card.

[0070] Optionally, the simulated card selection response includes an activation instruction for triggering the NFC chip of the wearable device to load the key data of the target simulated card and enter the passive communication mode (waiting for the card reader to initiate data interaction).

[0071] Optionally, the simulated card selection response may further include other possible information, which may be determined by those skilled in the art according to actual needs. For example, it may also include security authentication information, etc., which is not limited to this.

[0072] In some embodiments, when the first wearable device receives a simulated card selection response, the wearable device swipes the target simulated card indicated by the simulated card selection response.

[0073] In some embodiments, the terminal device receives a card swiping result response sent by the first wearable device through the first communication connection.

[0074] Optionally, the card swiping result response includes card swiping success or card swiping failure, and the reason for the card swiping failure.

[0075] In some embodiments, when the card swiping result response indicates that the card swiping has failed, the terminal device re-determines a target simulated card suitable for the current card swiping scenario.

[0076] To sum up, when the first wearable device enters the radio frequency field of the card reader, a simulated card selection request is sent to the terminal device through the first communication connection, and the terminal device determines the target simulated card suitable for the current card swiping scenario. Compared with the first wearable device, the terminal device has stronger perception of the current card swiping scenario and data processing capabilities. Therefore, the efficiency and accuracy of determining the target simulated card suitable for the current card swiping scenario by the terminal device are higher; the terminal device sends a simulated card selection response to the first wearable device through the first communication connection, so that the first wearable device uses the target simulated card to swipe the card, which can improve the efficiency of card swiping.

[0077] See also Figure 3 , Figure 3 This is a flowchart of a card swiping method provided by an embodiment of the present application when a first wearable device is set or not set with a target simulated card. The process includes the following steps.

[0078] Step 310: Receive a simulated card selection request sent by a first wearable device through a first communication connection.

[0079] Step 320: Determine a target simulated card suitable for the current card swiping scenario.

[0080] Step 330: Determine whether the first wearable device is equipped with a target simulation card.

[0081] If the first wearable device is provided with a target simulation card, step 341 is executed; if the first wearable device is not provided with a target simulation card, step 342 is executed.

[0082] Step 341: Send a simulated card selection response including a target simulated card identifier to the first wearable device through the first communication connection.

[0083] The target simulated card identifier is the identifier of the target simulated card.

[0084] In some embodiments, upon receiving a simulated card selection response including a target simulated card identifier, the first wearable device determines a target simulated card for swiping based on the target simulated card identifier and activates the target simulated card to enable swiping.

[0085] Step 342: Determine whether the first wearable device supports setting a target analog card.

[0086] In one possible scenario, due to factors such as the brand and version of the first wearable device, or due to the attributes of the target simulation card, the first wearable device may not support setting the target simulation card. Therefore, the terminal device needs to determine whether the first wearable device supports setting the target simulation card.

[0087] If the first wearable device supports setting the target analog card, step 354 is executed; if the first wearable device does not support setting the target analog card, at least one of steps 351 to 353 is executed.

[0088] Step 351: Send a card selection failure response to the first wearable device through the first communication connection.

[0089] Optionally, the card selection failure response may include an identifier of the target simulated card and a reason for the card selection failure (eg, the first wearable device does not support setting the target simulated card).

[0090] Step 352: Display a card swiping prompt, which is used to prompt the user to swipe the card using the terminal device.

[0091] Optionally, the terminal device can display a card swiping prompt through a status bar notification, pop-up notification, voice notification, vibration notification or any other possible method to prompt the user to use the terminal device to swipe the card, thereby avoiding the inefficiency caused by the user trying to use the first wearable device to swipe the card.

[0092] Step 353: When the second wearable device in use is provided with a target simulated card, a card swiping instruction is sent through a second communication connection with the second wearable device.

[0093] The card swiping instruction is used to instruct the second wearable device to activate the target simulated card.

[0094] In some embodiments, when the second wearable device in use is provided with a target simulated card and receives a card swiping instruction through the second communication connection, the second wearable device activates the target simulated card to implement card swiping through the second wearable device.

[0095] For example only, the terminal device establishes a first communication connection and a second communication connection with the first wearable device (smart watch) and the second wearable device (smart bracelet) respectively. When the target simulated card is a bus card, the first wearable device does not support setting the bus card, and the second wearable device supports setting the bus card, the terminal device can send a card swiping instruction to the second wearable device through the second communication connection with the second wearable device, so that the second wearable device activates the bus card and performs the card swiping operation.

[0096] Step 354: Send an emulated card selection response including the target emulated card data to the first wearable device through the first communication connection.

[0097] The target simulated card data is the card data of the target simulated card.

[0098] In some embodiments, when the first wearable device receives a simulated card selection response containing target simulated card data, the first wearable device sets the target simulated card based on the target simulated card data and activates the target simulated card to implement card swiping.

[0099] In this embodiment, when the first wearable device is provided with a target simulated card, a simulated card selection response including a target simulated card identifier is sent to the first wearable device through the first communication connection, so that the first wearable device activates the target simulated card based on the target simulated card identifier, thereby directly realizing card swiping; when the first wearable device is not provided with a target simulated card and supports setting a target simulated card, a simulated card selection response including target simulated card data is sent to the first wearable device through the first communication connection, so that the first wearable device first sets the target simulated card and then activates it to realize card swiping; when the first wearable device does not support setting a target simulated card, a card selection failure response is sent to the first wearable device, or a card swiping prompt is displayed, so that the user can be informed to use the terminal device to swipe the card, thereby avoiding the inefficiency problem caused by the user trying to swipe the card through the first wearable device; when the second wearable device in use is provided with a target simulated card, a card swiping instruction is sent through the second communication connection with the second wearable device, so that the card can be swiped through the second wearable device, thereby improving the success rate of card swiping.

[0100] See also Figure 4 , Figure 4 This is a schematic diagram of determining a target simulated card suitable for a current card swiping scenario based on scenario information of the current card swiping scenario, provided by an exemplary embodiment of the present application.

[0101] like Figure 4 As shown, in some embodiments, the terminal device determines the scene information 421 of the current card swiping scene.

[0102] Optionally, the scene information 421 of the current card swiping scene includes at least one of the following: geographic location information 411 obtained by the terminal device, first user status data 412 collected by the terminal device, second user status data 413 collected by the first wearable device, and environmental information 414 determined by the terminal device.

[0103] Optionally, regarding the geographic location information 411 obtained by the terminal device, in some embodiments, the terminal device may obtain the current geographic location through GPS, Beidou positioning system, base station positioning, etc. For example, the GPS module of a mobile phone will obtain longitude and latitude coordinates in real time. If the coordinates are displayed in a shopping mall, it can be preliminarily determined that the card swiping scene is a shopping mall purchase; if the coordinates are near a subway station, the card swiping scene may be a subway ride.

[0104] Optionally, the first user status data 412 collected by the terminal device may include information such as the user's behavioral actions, physiological characteristics, etc. For example, the accelerometer and gyroscope of the mobile phone can detect the user's motion state. If the user is detected to be in a fast-moving state for a period of time, it may be determined that the user is riding a vehicle, and the card swiping scenario may be riding a bus or subway. If the user is detected to be stationary and frequently tapping the screen, the card swiping scenario may be online shopping.

[0105] Optionally, the second user status data 413 collected by the first wearable device may include physiological indicators such as the user's heart rate, blood pressure, and body temperature. For example, if a smartwatch detects an increased heart rate and the user's location is near a gym, it can be inferred that the user may be spending money at the gym. However, if the user's heart rate is stable and a card swipe operation is performed while the user is asleep, this may be an anomaly and further verification of the legitimacy of the operation is required.

[0106] Optionally, the terminal device may determine the environmental information 414 using various sensors built into the terminal, such as a light sensor for detecting ambient light intensity, a microphone for collecting ambient sound, and a temperature sensor for measuring ambient temperature. For example, in a dimly lit environment with noisy human voices and vehicle sounds, the card swiping scenario may be a purchase at a street vendor at night; in a quiet environment with ample light, the card swiping scenario may be an online transaction in an office.

[0107] In some embodiments, the terminal device determines a target simulated card 431 suitable for the current card swiping scenario based on the scenario information 421 and the card information 422 of at least one candidate simulated card.

[0108] Optionally, the card information 422 of the candidate simulated card includes the name of the simulated card, the card type of the simulated card, the applicable geographical range of the simulated card, preferential activity information related to the simulated card, the validity period of the simulated card, etc.

[0109] In one possible implementation, the terminal device may determine a target simulated card suitable for the current card swiping scenario from at least one candidate simulated card using a simulated card selection strategy based on the scenario information and the card information of at least one candidate simulated card.

[0110] The simulated card selection strategy may be a simulated card selection rule pre-set by the terminal device, or may be a simulated card selection model obtained by pre-training.

[0111] In some embodiments, the terminal device uses the simulation card selection rule to perform rule matching based on the scenario information and the card information of at least one candidate simulation card to obtain a target simulation card suitable for the current card swiping scenario.

[0112] For example only, when the scenario information shows that the user is at a subway station, and there are a bus card and two bank cards among the candidate simulation cards, according to the strategy of "giving priority to transportation cards for transportation scenario consumption", the terminal gives priority to the bus card as the target simulation card; if the balance on the bus card is insufficient, the most cost-effective bank card will be selected as the target simulation card based on the bank card usage rules and promotional activities.

[0113] In a possible implementation, the terminal device may input scenario information and card information of at least one candidate simulated card into a simulated card selection model to obtain a target simulated card output by the simulated card selection model.

[0114] Optionally, the terminal device inputs the scenario information and the card information of the candidate simulated card into a pre-trained simulated card selection model (a model built based on a machine learning algorithm) to obtain a target simulated card output by the simulated card selection model.

[0115] Among them, the simulated card selection model is trained based on the historical card swiping records of many users in different scenarios. For example, a large number of historical card swiping records from many users are obtained. These records cover card swiping data in different scenarios, including but not limited to the user's geographic location information, user status data (first user status data and second user status data), environmental information, and the target simulated card information finally used. For example, the record will record that when a card was swiped, the user was in a supermarket (geographic location), in a stationary state (user status), in a noisy and brightly lit environment (environmental information), and that a supermarket membership card (target simulated card) was finally used. Taking the simulated card selection model as a neural network as an example, a multi-layer perceptron model including an input layer, multiple hidden layers, and an output layer can be constructed. The input layer receives the scene information and candidate simulated card information in the historical card swiping records, the hidden layer extracts and learns features of this information, and the output layer outputs the probability of each candidate simulated card being the target simulated card.

[0116] During the training process, a loss function and optimization algorithm are determined. The loss function can be a cross-entropy loss function, which measures the difference between the model's predictions and the actual target simulated card. The optimization algorithm uses methods such as stochastic gradient descent to minimize the loss function by continuously adjusting the model parameters to obtain a trained simulated card selection model.

[0117] In this embodiment, the scene information of the current card swiping scene is determined through the information collected by the terminal device or the first wearable device, and based on the scene information, rule matching is performed through the simulated card selection rules, or the target simulated card is determined from at least one candidate simulated card through the simulated card selection model. The terminal's high data processing capability can be utilized to efficiently and accurately determine the target simulated card suitable for the current card swiping scene, thereby improving the success rate and efficiency of card swiping.

[0118] In one possible scenario, in order to improve the accuracy of the simulated card selection strategy and make the simulated card selection strategy more in line with the actual needs of the user, the terminal device can also record the card swiping results and update the simulated card selection strategy based on the card swiping results.

[0119] See also Figure 5 , Figure 5 This is a schematic diagram of an exemplary embodiment of the present application, in which a terminal device updates a simulated card selection strategy based on a card swiping result.

[0120] like Figure 5 As shown, a simulation card selection strategy 501 is maintained in the terminal device 510 .

[0121] Optionally, the simulated card selection strategy may be a simulated card selection rule preset in the terminal device 510 , or may be a simulated card selection model deployed in the terminal device 510 .

[0122] In some embodiments, the terminal device 510 sends a simulated card selection response to the first wearable device 520 to inform the first wearable device 520 to activate the target simulated card indicated by the simulated card selection response and swipe the card. After the card swiping is completed, the first wearable device 520 returns the card swiping result response to the terminal device 510 through the first communication connection.

[0123] Optionally, the card swiping result response includes information such as whether the card swiping is successful, the reason for failure (such as insufficient balance, card expiration, etc.), and the transaction amount.

[0124] Optionally, the card swiping result may further include the time taken by the first wearable device from activating the target simulated card to completing the card swiping.

[0125] Optionally, the card swiping result response also includes information of the target simulated card (such as the target simulated card identifier).

[0126] In some embodiments, the terminal device 510 receives the card swiping result response sent by the first wearable device 520 through the first communication connection.

[0127] In some embodiments, the terminal device updates the simulated card selection strategy based on the card swiping result response, the target simulated card, and the current card swiping scenario.

[0128] Optionally, the scene information of the current card swiping scene includes geographical location (such as a shopping mall or a subway station), user status data (such as moving or stationary), and environmental information (such as light intensity and noise level).

[0129] In some embodiments, the terminal device analyzes the card swiping results to determine the applicability of the existing simulated card selection rules in the current card swiping scenario. If the card swiping is successful and the use of the target simulated card is in line with expectations (such as enjoying a discount), the weight of the simulated card selection rule in similar scenarios can be appropriately enhanced. For example, if a bank card with a discount is used to pay successfully in a shopping mall scenario, the priority of the rule "giving priority to bank cards with exclusive mall discounts when consuming in the mall" can be increased. If the card swiping fails, analyze the reasons for the failure and adjust the rules in a targeted manner. If the failure is caused by insufficient bank card balance, you can add the rule "When the bank card balance is detected to be below a certain threshold, give priority to other available payment cards"; if the failure is due to card expiration, the supplementary rule "regularly check the card validity period and reduce the selection priority of cards that are about to expire" can be used.

[0130] In some embodiments, the terminal device stores the updated simulated card selection rules in the rule library, overwriting the original simulated card selection rules or adding new rule entries to ensure that the next time the card is swiped in a similar scenario, the terminal device can select the target simulated card according to the updated simulated card selection rules.

[0131] Regarding the specific method of updating the simulated card selection strategy of the terminal device, in some embodiments, a training sample is constructed based on the card swiping result response, the card information of the target simulated card, and the scene information of the current card swiping scene, and the simulated card selection model is fine-tuned based on the training sample.

[0132] Optionally, each training sample includes input features (scene information and card information) and a corresponding label (the actual target simulated card in use). For example, information such as "shopping mall location, user stationary shopping status, mall noise and brightness, bank card type, issuing bank, and promotional offers" can be used as input features, and "a bank card offering discounts" can be used as a label to form a complete training sample. To ensure sample diversity and effectiveness, a large amount of card swiping data from different scenarios and users is collected to construct the training sample set.

[0133] Optionally, the constructed training sample set is input into an existing simulation card selection model (such as a previously trained neural network model), and iterative training is performed on the training samples so that the model can learn the information in the new samples based on the original knowledge and optimize the accuracy of the model in selecting target simulation cards in different scenarios.

[0134] In some embodiments, after fine-tuning is complete, the model is evaluated using validation and test sets, with accuracy, recall, and other metrics used to determine whether the model's performance has improved. If performance has improved, the fine-tuned simulated card selection model is saved to the terminal device, replacing the original simulated card selection model for subsequent simulated card selections. If performance does not meet expectations, further training samples can be collected and fine-tuned again.

[0135] In this embodiment, the terminal device receives the card swiping result response returned by the first wearable device and updates the simulated card selection strategy based on the card swiping result response, so that the simulated card selection strategy can be more in line with the user's actual needs, thereby improving the accuracy of the simulated card selection strategy.

[0136] Since it takes a certain amount of time for the first wearable device to activate the target simulated card, in order to further improve the efficiency of card swiping, in one embodiment of the present application, the terminal device can also send a pre-selection instruction to the first wearable device to enable the first wearable device to pre-activate the simulated card.

[0137] See also Figure 6 , Figure 6 This is a timing diagram of a terminal device sending a pre-selection instruction to a first wearable device provided by an exemplary embodiment of the present application. The timing diagram includes the following steps S1 to S4.

[0138] Step S1, determining historical card swiping scenarios.

[0139] In some embodiments, the terminal device determines the historical card swiping scenario based on the card swiping scenario when the historical simulated card selection request is received.

[0140] Optionally, the historical card swiping scenarios include at least one of historical geographic location information acquired by the terminal device, historical first user status data collected by the terminal device, historical second user status data collected by the first wearable device, and historical environmental information determined by the terminal device.

[0141] In some embodiments, the terminal device may save the card swiping scenarios in which historical simulated card selection requests are made into a database.

[0142] Step S2: When there is a tendency to enter a historical card swiping scenario, a pre-selection instruction is sent to the first wearable device through the first communication connection.

[0143] The pre-selection instruction is used to indicate a pre-activated simulated card, which is suitable for historical card swiping scenarios.

[0144] Optionally, the terminal device can determine whether there is a tendency to enter a historical card swiping scene based on real-time geographic location information. For example, the terminal device continuously obtains its own geographic location information through a positioning system such as GPS and Beidou, and compares and analyzes it with the geographic location of historical card swiping scenes. When the device is detected to be gradually approaching the location of a historical card swiping scene, it is determined that there is a tendency to enter that scene.

[0145] Optionally, the terminal device can determine whether there is a tendency to enter a historical card swiping scenario based on the user's daily behavioral habit data (such as travel time, common routes, places of stay, etc.). For example only, if the user's current behavioral habit data is similar to the daily behavioral habit data before entering the historical card swiping scenario, it can be determined that there is a tendency to enter a historical card swiping scenario. For example, the user will leave home at around 8 o'clock in the morning on Mondays, Wednesdays, and Fridays, and go to the subway station along a fixed route, and there is a history of swiping the transportation card at the subway station. When the terminal device detects that the user starts moving along the route at the corresponding time, even if the user has not yet arrived at the subway station, it can be determined that there is a tendency to enter the historical card swiping scenario of the subway station, and then sends an instruction to the first wearable device to pre-activate the transportation card.

[0146] Optionally, to improve the accuracy of the judgment, the terminal device can also integrate real-time geographic location and daily behavioral habit data, or combine other possible information (such as card swiping time patterns) and other information to make judgments, and there is no restriction on this.

[0147] In some embodiments, the terminal device determines the pre-activated simulated card based on the card swiping results in historical card swiping scenarios. For example only, the terminal device determines the simulated card with the highest card swiping success rate in historical card swiping scenarios as the pre-activated simulated card.

[0148] Step S3: The first wearable device pre-activates the analog card.

[0149] In some embodiments, after the first wearable device receives the pre-selection instruction sent by the terminal device, the simulated card pre-activation process is started.

[0150] Optionally, the simulated card pre-activation process includes parsing the pre-selected instruction, extracting the simulated card information indicated in the instruction that is applicable to the historical card swiping scenario, such as the type and number of the simulated card, and then locating the corresponding simulated card in the simulated card list stored in the first wearable device based on the extracted information.

[0151] Optionally, after locating the target simulated card, the first wearable device can initialize and configure relevant parameters of the simulated card, such as loading the card key, setting communication protocol parameters, etc., to prepare for subsequent interaction between the simulated card and the card swiping device.

[0152] Optionally, the first wearable device can also check the status of the simulated card to ensure that the card is in a usable state. If there is an abnormality in the simulated card, such as insufficient balance or card expiration, the device will handle it according to preset rules, such as sending a prompt message to the user or attempting to switch to another available simulated card for pre-activation.

[0153] After completing the above operations, the simulated card enters the pre-activation state.

[0154] Step S4: The first wearable device swipes the pre-activated analog card when entering the radio frequency field.

[0155] In some embodiments, when the first wearable device enters the radio frequency field generated by the card reader, a wireless communication connection is established between the pre-activated simulated card and the card reader. The card reader sends an initialization command to the simulated card via radio frequency signals. Upon receiving the command, the simulated card responds using the parameters configured during the pre-activation phase, sending its own card information (such as card number, expiration date, user authentication information, etc.) in encrypted form to the card reader.

[0156] In some embodiments, after receiving the information sent by the simulated card, the card reader decrypts and verifies the information to confirm the legitimacy and validity of the card. If verification is successful, the card reader sends transaction-related information (such as transaction amount, transaction time, transaction type, etc.) to the simulated card. After receiving the transaction information, the simulated card verifies the information again to ensure the authenticity and accuracy of the transaction.

[0157] In some embodiments, after the card reader and the simulated card have verified that the information is correct, the simulated card performs corresponding operations based on the transaction information, such as deducting the account balance and recording the transaction details. After completing the transaction operation, the simulated card feedbacks the transaction results to the card reader. After receiving the feedback, the card reader displays a prompt message indicating whether the transaction is successful or failed to the user and uploads the transaction data to the backend server for storage and processing.

[0158] In this embodiment, a historical card swiping scenario is determined by the terminal device, and when there is a tendency to enter a historical card swiping scenario, a pre-selection instruction is sent to the first wearable device through the first communication connection, so that the first wearable device pre-activates the analog card in advance and uses the pre-activated analog card to swipe the card when entering the radio frequency field. That is, when the first wearable device enters the radio frequency field of the card reader, there is no need to perform activation operations such as card search, parameter configuration and initialization, and it can directly communicate with the card swiping device, greatly shortening the waiting time for card swiping. For example, at the subway gate, the traditional method may take several seconds or even longer to complete the card swiping verification, but with the pre-activation method, the user can almost "pass" the gate in seconds, improving the passage efficiency.

[0159] In some embodiments, the present application also provides a card swiping method, which is executed by a first wearable device, and the first wearable device establishes a first communication connection with a terminal device.

[0160] See also Figure 7 , Figure 7 FIG1 is a flowchart of a card swiping method performed by a first wearable device according to an exemplary embodiment of the present application. The method includes the following steps.

[0161] Step 701: When entering a radio frequency field of a card reader, a simulated card selection request is sent to a terminal device via a first communication connection.

[0162] Optionally, the first wearable device includes but is not limited to smart watches, smart bracelets, smart glasses, smart headphones, smart clothing, head-mounted or chest-mounted smart devices, or any other possible wearable device that can be used for NFC card swiping, without limitation.

[0163] Optionally, the terminal device may be a light and portable terminal such as a smart phone, a tablet computer, a portable mobile terminal, or a laptop computer, a desktop computer, a vehicle-mounted terminal or any other possible type of terminal, without limitation.

[0164] Optionally, the first communication connection may include a wireless communication connection method such as Bluetooth communication connection, WIFI communication connection, or ultra-wideband communication connection, or the first communication connection may also include a wired communication connection method such as USB connection, magnetic or contact connection, or a mobile cellular network communication connection method may also be used, without limitation.

[0165] In some embodiments, the simulated card selection request is used to instruct the terminal device to determine a target simulated card from one or more candidate simulated cards.

[0166] Among them, the candidate simulated card can be a simulated card set in the terminal device or the first wearable device for implementing NFC card swiping.

[0167] Optionally, different candidate sim cards may have different card types, for example, including transit cards, bank cards, and access control cards. Optionally, different candidate sim cards may be applicable to different regions, for example, including subway cards applicable to City A and subway cards applicable to City B. Optionally, different candidate sim cards may have different remaining validity periods.

[0168] Optionally, the simulated card selection request includes simulated card information of the simulated card set in the first wearable device, such as the name or code of the simulated card, whether the simulated card is activated (such as bank cards in the lost state are automatically excluded), the remaining validity period (expired cards are automatically excluded), regional applicability (such as whether a locally processed bus card is applicable to foreign scenarios), etc.

[0169] Optionally, the simulated card selection request includes card reader information obtained by the first wearable device (such as the device ID of the card reader, which is used to distinguish different scenarios such as access control card readers, bus gates, POS machines, etc.).

[0170] Optionally, the simulated card selection request may also include information perceived by the wearable device, such as sound, image, user characteristics (such as movement speed, body temperature, blood pressure, heart rate, etc.) or other information perceived by sensors of the wearable device.

[0171] In some embodiments, when the first wearable device enters the radio frequency field of the card reader, the first wearable device sends a simulated card selection request to the terminal device through the first communication connection, and the terminal device receives the simulated card selection request sent by the first wearable device through the first communication connection.

[0172] Step 702: Receive a simulated card selection response sent by the terminal device through the first communication connection. The simulated card selection response is used to indicate the use of a target simulated card suitable for the current card swiping scenario for near field communication.

[0173] In some embodiments, upon receiving a simulated card selection request, the terminal device filters out a target simulated card suitable for the current card swiping scenario from one or more candidate simulated cards.

[0174] In some embodiments, the terminal device sends a simulated card selection response to the first wearable device through the first communication connection, where the simulated card selection response is used to indicate the use of a target simulated card for swiping.

[0175] Optionally, the simulated card selection response includes a target simulated card identifier, which is used to indicate the target simulated card determined by the terminal device to be suitable for the current card swiping scenario.

[0176] Optionally, the simulated card selection response includes the card type of the target simulated card, such as an access card, a bank card, a transportation card, or a campus card.

[0177] Optionally, the simulated card selection response includes an activation instruction for triggering the NFC chip of the wearable device to load the key data of the target simulated card and enter the passive communication mode (waiting for the card reader to initiate data interaction).

[0178] Optionally, the simulated card selection response may further include other possible information, which may be determined by those skilled in the art according to actual needs. For example, it may also include security authentication information, etc., which is not limited to this.

[0179] Step 703: Based on the simulated card selection response, swipe the target simulated card.

[0180] In some embodiments, when the first wearable device receives a simulated card selection response, the wearable device swipes the target simulated card indicated by the simulated card selection response.

[0181] In some embodiments, the first wearable device sends a card swiping result response to the terminal device through the first communication connection.

[0182] Optionally, the card swiping result response includes card swiping success or card swiping failure, and the reason for the card swiping failure.

[0183] In some embodiments, when the card swiping result response indicates that the card swiping has failed, the terminal device re-determines a target simulated card suitable for the current card swiping scenario.

[0184] To sum up, when the first wearable device enters the radio frequency field of the card reader, a simulated card selection request is sent to the terminal device through the first communication connection, and the terminal device determines the target simulated card suitable for the current card swiping scenario. Compared with the first wearable device, the terminal device has stronger perception of the current card swiping scenario and data processing capabilities. Therefore, the efficiency and accuracy of determining the target simulated card suitable for the current card swiping scenario by the terminal device are higher; the terminal device sends a simulated card selection response to the first wearable device through the first communication connection, so that the first wearable device uses the target simulated card to swipe the card, which can improve the efficiency of card swiping.

[0185] In one possible scenario, the first wearable device activates the target simulated card and swipes the card based on the target simulated card identifier included in the simulated card selection response.

[0186] For example, when the first wearable device sets a target simulated card, the first wearable device activates the target simulated card and swipes the card based on the target simulated card identifier included in the simulated card selection response.

[0187] In one possible scenario, the target simulated card is configured and activated based on the target simulated card data included in the simulated card selection response, and the card is swiped using the target simulated card.

[0188] For example, when the first wearable device is not set with a target simulated card and the first wearable device supports setting a target simulated card, the first wearable device configures and activates the target simulated card based on the target simulated card data included in the simulated card selection response, and swipes the card using the target simulated card.

[0189] In some embodiments, the first wearable device receives a card selection failure response through the first communication connection.

[0190] The card selection failure response is sent by the terminal device when the first wearable device does not support setting the target simulated card.

[0191] In some embodiments, the first wearable device sends a card swiping result response to the terminal device through the first communication connection, and when the card swiping result response indicates that the card swiping failed, the first wearable device re-receives the simulated card selection response sent by the terminal device through the first communication connection.

[0192] In some embodiments, the first wearable device receives a pre-selected instruction sent by the terminal device through the first communication connection.

[0193] The pre-selection instruction is used to indicate a pre-activated simulated card, which is suitable for historical card swiping scenarios.

[0194] In some embodiments, upon entering a radio frequency field of a card reader, the first wearable device swipes based on the pre-activated simulated card.

[0195] Since the method on the first wearable device side is substantially the same as the method on the terminal device side, for more details about the above-mentioned method on the first wearable device side, please refer to the embodiment of the method on the terminal device side mentioned above, which will not be repeated here.

[0196] It should be noted that in the process of collecting user-related data (such as real-time geographic location information), this application may display a prompt interface, pop-up window or output a voice prompt message. The prompt interface, pop-up window or voice prompt message is used to remind the user that its relevant data is currently being collected, so that this application only starts to execute the relevant steps of obtaining user-related data after obtaining the user's confirmation operation on the prompt interface or pop-up window. Otherwise (that is, when the user's confirmation operation on the prompt interface or pop-up window is not obtained), the relevant steps of obtaining user-related data are terminated, that is, the user's relevant data is not obtained. In other words, the information involved in this application (including but not limited to user device information, user personal information, user's real-time location), data (including but not limited to data used for analysis, stored data, displayed data, etc.) and signals are all authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data need to comply with the relevant laws, regulations and standards of relevant countries and regions. For example, the real-time geographic location information of the terminal device involved in this application is obtained with full authorization.

[0197] See also Figure 8 , Figure 8 This is a block diagram of a card swiping device provided by an exemplary embodiment of the present application. The device is used in a terminal device, and the terminal device establishes a first communication connection with a first wearable device. The device includes:

[0198] a first receiving module 801, configured to receive, through the first communication connection, a simulated card selection request sent by the first wearable device, where the simulated card selection request is sent when the first wearable device enters a radio frequency field of a card reader;

[0199] Determination module 802, used to determine the target simulated card suitable for the current card swiping scenario;

[0200] The first sending module 803 is configured to send a simulated card selection response to the first wearable device through the first communication connection, where the simulated card selection response is used to indicate that the target simulated card is to be used for swiping.

[0201] Optionally, the first sending module 803 is configured to:

[0202] In a case where the first wearable device is provided with the target simulated card, the simulated card selection response including the target simulated card identifier is sent to the first wearable device through the first communication connection, where the target simulated card identifier is an identifier of the target simulated card.

[0203] Optionally, the first sending module 803 is configured to:

[0204] When the target simulated card is not set on the first wearable device and the first wearable device supports setting the target simulated card, the simulated card selection response containing the target simulated card data is sent to the first wearable device through the first communication connection, and the target simulated card data is the card data of the target simulated card.

[0205] Optionally, the first sending module 803 is configured to:

[0206] When the first wearable device is not set with the target analog card and the first wearable device does not support setting the target analog card, sending a card selection failure response to the first wearable device through the first communication connection;

[0207] and / or,

[0208] If the first wearable device does not support setting the target simulated card, displaying a card swiping prompt, where the card swiping prompt is used to prompt the user to swipe the card using the terminal device;

[0209] and / or,

[0210] When the first wearable device does not support setting the target simulated card and the second wearable device in use is set with the target simulated card, a card swiping instruction is sent through a second communication connection with the second wearable device, and the card swiping instruction is used to instruct the second wearable device to activate the target simulated card.

[0211] Optionally, the determination module 802 is configured to:

[0212] Determining scene information of the current card swiping scene;

[0213] Based on the scenario information and the card information of at least one candidate simulated card, a simulated card selection strategy is adopted to determine the target simulated card suitable for the current card swiping scenario from the at least one candidate simulated card.

[0214] Optionally, the determination module 802 is configured to:

[0215] Based on the scenario information and the card information of the at least one candidate simulated card, a simulated card selection rule is used to perform rule matching to obtain the target simulated card suitable for the current card swiping scenario;

[0216] The scenario information and the card information of the at least one candidate simulated card are input into a simulated card selection model to obtain the target simulated card output by the simulated card selection model.

[0217] Optionally, the device further includes an updating module, configured to:

[0218] receiving, through the first communication connection, a card swiping result response sent by the first wearable device;

[0219] The simulated card selection strategy is updated based on the card swiping result response, the target simulated card and the current card swiping scenario.

[0220] Optionally, update the module to be used for at least one of the following:

[0221] updating a simulated card selection rule based on the card swiping result response, the card information of the target simulated card, and the scene information of the current card swiping scene;

[0222] Based on the card swiping result response, the card information of the target simulated card and the scene information of the current card swiping scene, a training sample is constructed; and based on the training sample, a simulated card selection model is fine-tuned.

[0223] Optionally, the scene information of the current card swiping scene includes at least one of the following:

[0224] Geographical location information acquired by the terminal device;

[0225] First user status data collected by the terminal device;

[0226] second user status data collected by the first wearable device;

[0227] The terminal device determines the obtained environmental information.

[0228] Optionally, the device further includes a pre-activation module, configured to:

[0229] Determining a historical card swiping scenario based on the card swiping scenario when the historical simulated card selection request is received;

[0230] When there is a tendency to enter the historical card swiping scenario, a pre-selection instruction is sent to the first wearable device through the first communication connection. The pre-selection instruction is used to indicate a pre-activated simulated card, and the pre-activated simulated card is suitable for the historical card swiping scenario. When the first wearable device enters the radio frequency field, it uses the pre-activated simulated card to swipe the card.

[0231] Optionally, the determination module 802 is configured to:

[0232] receiving, through the first communication connection, a card swiping result response sent by the first wearable device;

[0233] In the case that the card swiping result response indicates that the card swiping has failed, the target simulated card suitable for the current card swiping scenario is re-determined.

[0234] See also Figure 9 , Figure 9 This is a block diagram of a card swiping device provided by an exemplary embodiment of the present application. The device is used for a first wearable device, and the first wearable device establishes a first communication connection with a terminal device. The device includes:

[0235] A second sending module 901 is configured to send a simulated card selection request to the terminal device through the first communication connection when entering the radio frequency field of the card reader;

[0236] A second receiving module 902 is configured to receive, through the first communication connection, a simulated card selection response sent by the terminal device, wherein the simulated card selection response is used to indicate the use of a target simulated card applicable to the current card swiping scenario for near field communication;

[0237] The card swiping module 903 is configured to swipe the target simulated card based on the simulated card selection response.

[0238] Optionally, the card swiping module 903 is configured to:

[0239] activating the target simulated card and swiping the card based on the target simulated card identifier included in the simulated card selection response;

[0240] The target simulated card is configured and activated based on the target simulated card data included in the simulated card selection response, and the card is swiped using the target simulated card.

[0241] Optionally, the second receiving module 902 is configured to:

[0242] A card selection failure response is received through the first communication connection, where the card selection failure response is sent by the terminal device when the first wearable device does not support setting the target simulated card.

[0243] Optionally, the second sending module 901 is configured to:

[0244] A card swiping result response is sent to the terminal device via the first communication connection.

[0245] Optionally, the second receiving module 901 is configured to:

[0246] In a case where the card swiping result response indicates that the card swiping has failed, the simulated card selection response sent by the terminal device is received again through the first communication connection.

[0247] Optionally, the device further includes a pre-activation instruction for:

[0248] receiving a pre-selection instruction sent by the terminal device through the first communication connection, the pre-selection instruction being used to indicate a pre-activated simulated card, the pre-activated simulated card being suitable for a historical card swiping scenario;

[0249] When entering the radio frequency field of the card reader, the card is swiped based on the pre-activated simulated card.

[0250] See also Figure 10 , Figure 10 FIG1 is a schematic diagram of the structure of a computer device provided by an exemplary embodiment of the present application. The computer device can be implemented as the computer device or wearable device in the above embodiments.

[0251] The computer device may further include one or more of the following components: a processor 1010 and a memory 1020 .

[0252] Optionally, the processor 1010 utilizes various interfaces and lines to connect various parts of the entire electronic device, and performs various functions of the electronic device and processes data by running or executing instructions, programs, code sets, or instruction sets stored in the memory 1020, and calling data stored in the memory 1020. Optionally, the processor 1010 can be implemented in at least one hardware form of digital signal processing (DSP), field-programmable gate array (FPGA), and programmable logic array (PLA). The processor 1010 can integrate one or a combination of a central processing unit (CPU), a graphics processing unit (GPU), a neural network processing unit (NPU), and a baseband chip. Among them, the CPU mainly processes the operating system, user interface, and application programs; the GPU is responsible for rendering and drawing the content required to be displayed on the touch screen; the NPU is used to implement artificial intelligence (AI) functions; and the baseband chip is used to handle wireless communication. It is understandable that the above-mentioned baseband chip may not be integrated into the processor 1010, but may be implemented by a separate chip.

[0253] The memory 1020 may include a random access memory (RAM) or a read-only memory (ROM). Optionally, the memory 1020 includes a non-transitory computer-readable storage medium. The memory 1020 may be used to store instructions, programs, codes, code sets, or instruction sets. The memory 1020 may include a program storage area and a data storage area, wherein the program storage area may store instructions for implementing an operating system, instructions for at least one function (such as a touch function, a sound playback function, an image playback function, etc.), instructions for implementing the following various method embodiments, etc.; the data storage area may store data created according to the use of the electronic device (such as audio data, a phone book), etc.

[0254] In addition, those skilled in the art will understand that the structure of the electronic device shown in the above figures does not constitute a limitation on the electronic device. The electronic device may include more or fewer components than shown in the figures, or combine certain components, or arrange the components differently.

[0255] The present application also provides a computer-readable storage medium, wherein the computer-readable storage medium stores at least one instruction, and the at least one instruction is loaded and executed by a processor to implement the method described in the above embodiment. Optionally, the computer-readable storage medium may include: ROM, RAM, solid-state drives (SSDs), or optical disks. Among them, RAM may include resistance random access memory (ReRAM) and dynamic random access memory (DRAM).

[0256] The present application also provides a computer program product or computer program, which includes computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the computer device to perform the methods provided in various optional implementations of the above aspects.

[0257] The above description is merely an optional embodiment of the present application and is not intended to limit the present application. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present application shall be included in the scope of protection of the present application.

Claims

1. A card swiping method, characterized in that: The method is used for a terminal device, where the terminal device establishes a first communication connection with a first wearable device, and the method includes: receiving, through the first communication connection, a simulated card selection request sent by the first wearable device, wherein the simulated card selection request is sent when the first wearable device enters a radio frequency field of a card reader; Determine the target simulated card suitable for the current card swiping scenario; A simulated card selection response is sent to the first wearable device through the first communication connection, where the simulated card selection response is used to indicate that the target simulated card is used for swiping.

2. The method according to claim 1, characterized in that The sending a simulated card selection response to the first wearable device through the first communication connection includes: In a case where the first wearable device is provided with the target simulated card, the simulated card selection response including the target simulated card identifier is sent to the first wearable device through the first communication connection, where the target simulated card identifier is an identifier of the target simulated card.

3. The method according to claim 2, characterized in that The sending of the simulated card selection response to the first wearable device through the first communication connection further includes: When the target simulated card is not set on the first wearable device and the first wearable device supports setting the target simulated card, the simulated card selection response containing the target simulated card data is sent to the first wearable device through the first communication connection, and the target simulated card data is the card data of the target simulated card.

4. The method according to claim 3, characterized in that The method further comprises: When the first wearable device is not set with the target analog card and the first wearable device does not support setting the target analog card, sending a card selection failure response to the first wearable device through the first communication connection; and / or, If the first wearable device does not support setting the target simulated card, displaying a card swiping prompt, where the card swiping prompt is used to prompt the user to swipe the card using the terminal device; and / or, When the first wearable device does not support setting the target simulated card and the second wearable device in use is set with the target simulated card, a card swiping instruction is sent through a second communication connection with the second wearable device, and the card swiping instruction is used to instruct the second wearable device to activate the target simulated card.

5. The method according to any one of claims 1 to 4, characterized in that: Determining a target simulated card suitable for the current card swiping scenario includes: Determining scene information of the current card swiping scene; Based on the scenario information and the card information of at least one candidate simulated card, a simulated card selection strategy is adopted to determine the target simulated card suitable for the current card swiping scenario from the at least one candidate simulated card.

6. The method according to claim 5, characterized in that The step of determining the target simulated card suitable for the current card swiping scenario from the at least one candidate simulated card using a simulated card selection strategy based on the scenario information and the card information of the at least one candidate simulated card includes at least one of the following: Based on the scenario information and the card information of the at least one candidate simulated card, a simulated card selection rule is used to perform rule matching to obtain the target simulated card suitable for the current card swiping scenario; The scenario information and the card information of the at least one candidate simulated card are input into a simulated card selection model to obtain the target simulated card output by the simulated card selection model.

7. The method according to claim 5, characterized in that The method further comprises: receiving, through the first communication connection, a card swiping result response sent by the first wearable device; The simulated card selection strategy is updated based on the card swiping result response, the target simulated card and the current card swiping scenario.

8. The method according to claim 7, characterized in that The updating of the simulated card selection strategy based on the card swiping result response, the target simulated card, and the current card swiping scenario includes at least one of the following: updating a simulated card selection rule based on the card swiping result response, the card information of the target simulated card, and the scene information of the current card swiping scene; Constructing a training sample based on the card swiping result response, the card information of the target simulated card, and the scene information of the current card swiping scene; A simulated card selection model is fine-tuned based on the training samples.

9. The method according to claim 5, characterized in that The scene information of the current card swiping scene includes at least one of the following: Geographical location information acquired by the terminal device; First user status data collected by the terminal device; second user status data collected by the first wearable device; The terminal device determines the obtained environmental information.

10. The method according to any one of claims 1 to 4, characterized in that: The method further comprises: Determining a historical card swiping scenario based on the card swiping scenario when the historical simulated card selection request is received; When there is a tendency to enter the historical card swiping scenario, a pre-selection instruction is sent to the first wearable device through the first communication connection. The pre-selection instruction is used to indicate a pre-activated simulated card, and the pre-activated simulated card is suitable for the historical card swiping scenario. When the first wearable device enters the radio frequency field, it uses the pre-activated simulated card to swipe the card.

11. The method according to any one of claims 1 to 4, characterized in that: After sending the simulated card selection response to the first wearable device through the first communication connection, the method further includes: receiving, through the first communication connection, a card swiping result response sent by the first wearable device; In the case that the card swiping result response indicates that the card swiping has failed, the target simulated card suitable for the current card swiping scenario is re-determined.

12. A card swiping method, characterized in that: The method is used for a first wearable device, where the first wearable device establishes a first communication connection with a terminal device, and the method includes: When entering the radio frequency field of the card reader, sending a simulated card selection request to the terminal device through the first communication connection; receiving, via the first communication connection, a simulated card selection response sent by the terminal device, wherein the simulated card selection response is used to indicate the use of a target simulated card applicable to a current card swiping scenario for near field communication; Based on the simulated card selection response, a card swipe is performed with the target simulated card.

13. The method according to claim 12, characterized in that The swiping the target simulated card based on the simulated card selection response includes at least one of the following: activating the target simulated card and swiping the card based on the target simulated card identifier included in the simulated card selection response; The target simulated card is configured and activated based on the target simulated card data included in the simulated card selection response, and the card is swiped using the target simulated card.

14. The method according to claim 12, characterized in that The method further comprises: A card selection failure response is received through the first communication connection, where the card selection failure response is sent by the terminal device when the first wearable device does not support setting the target simulated card.

15. The method according to any one of claims 12 to 14, characterized in that: The method further comprises: A card swiping result response is sent to the terminal device via the first communication connection.

16. The method according to claim 15, characterized in that The method further comprises: In a case where the card swiping result response indicates that the card swiping has failed, the simulated card selection response sent by the terminal device is received again through the first communication connection.

17. The method according to any one of claims 1 to 14, characterized in that The method further comprises: receiving a pre-selection instruction sent by the terminal device through the first communication connection, the pre-selection instruction being used to indicate a pre-activated simulated card, the pre-activated simulated card being suitable for a historical card swiping scenario; When entering the radio frequency field of the card reader, the card is swiped based on the pre-activated simulated card.

18. A card swiping device, characterized in that: The apparatus is used for a terminal device, the terminal device establishes a first communication connection with a first wearable device, and the apparatus includes: a first receiving module, configured to receive, through the first communication connection, a simulated card selection request sent by the first wearable device, where the simulated card selection request is sent when the first wearable device enters a radio frequency field of a card reader; A determination module, used to determine a target simulated card suitable for the current card swiping scenario; The first sending module is used to send a simulated card selection response to the first wearable device through the first communication connection, where the simulated card selection response is used to indicate the use of the target simulated card for card swiping.

19. A card swiping device, characterized in that: The apparatus is used for a first wearable device, wherein the first wearable device establishes a first communication connection with a terminal device, and the apparatus includes: a second sending module, configured to send a simulated card selection request to the terminal device through the first communication connection when entering the radio frequency field of the card reader; a second receiving module, configured to receive, through the first communication connection, a simulated card selection response sent by the terminal device, wherein the simulated card selection response is used to indicate the use of a target simulated card applicable to a current card swiping scenario for near field communication; The card swiping module is used to swipe the target simulated card based on the simulated card selection response.

20. A terminal device, characterized in that: The terminal device includes a processor and a memory; the memory stores at least one computer instruction, and the at least one computer instruction is used to be executed by the processor to implement the card swiping method according to any one of claims 1 to 11.

21. A wearable device, characterized in that: The wearable device includes a processor and a memory; the memory stores at least one computer instruction, and the at least one computer instruction is used to be executed by the processor to implement the card swiping method according to any one of claims 12 to 17.

22. A computer-readable storage medium, characterized in that The computer-readable storage medium stores at least one computer instruction, which is loaded and executed by a processor to implement the card swiping method according to any one of claims 1 to 17.

23. A computer program product, characterized in that The computer program product includes computer instructions, which are stored in a computer-readable storage medium; a processor reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions to implement the card swiping method according to any one of claims 1 to 17.

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