An information processing method and related equipment

Abstract

This application provides an information processing method and related equipment. The method includes: when a first physical information carrier is sensed in the near field, displaying an application interface for applying for a second physical information carrier; responding to an application triggering operation received in the application interface, displaying application information, which includes object information of the application object of the second physical information carrier; and responding to a confirmation operation of the application information, displaying the application result. This application embodiment can improve the efficiency and convenience of applying for physical information carriers.

Description

Technical Field

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

[0002] With the development of mobile internet, when applying for a physical information carrier (taking a credit card as an example), the applicant (e.g., a user) needs to open their mobile phone to scan a QR code, which redirects them to the bank's application interface on their app or H5 (Hypertext Markup Language, HTML5) page. The applicant then manually enters basic information such as their name, contact number, verification code, detailed address, and employer name, and clicks submit to complete the application. This method of applying for a physical information carrier involves multiple steps: "opening a scanning tool -> scanning the code -> waiting for the application interface to load -> manually filling in information -> submitting the application." The entire process is lengthy and inefficient. Summary of the Invention

[0003] This application provides an information processing method and related equipment, which can simplify the application process for physical information carriers and improve the application efficiency of physical information carriers.

[0004] On one hand, embodiments of this application provide an information processing method, which includes: When the first physical information carrier is detected in the near field, an application interface is displayed, which is used to apply for a second physical information carrier. In response to an application triggering operation received in the application interface, application information is displayed, the application information including object information of the application object of the second physical information carrier; In response to the confirmation operation of the application information, the application result is displayed.

[0005] On one hand, embodiments of this application provide an information processing apparatus, which includes: The interface display unit is used to display an application interface when a first physical information carrier is sensed in the near field. The application interface is used to apply for a second physical information carrier. An information display unit is used to display application information in response to an application trigger operation received in the application interface. The application information includes object information of the application object of the second physical information carrier. The result display unit is used to display the application result in response to the confirmation operation of the application information.

[0006] On one hand, embodiments of this application provide a terminal device, which includes: A processor is used to execute computer programs; A computer-readable storage medium storing a computer program, which, when executed by a processor, implements the information processing method described above.

[0007] 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 information processing method.

[0008] On the one hand, embodiments of this application provide a computer program product, which includes a computer program or computer instructions, and the computer program or computer instructions implement the above-described information processing method when executed by a processor.

[0009] In this embodiment, when the first physical information carrier is sensed in the near field, an application interface is displayed. This application interface is used to apply for a second physical information carrier. The application interface for the second physical information carrier can be directly invoked through the first physical information carrier using near field sensing, similar to a "tap-to-click" action that directly triggers the application process, eliminating the need for the object to open a barcode scanner and thus improving the efficiency of the physical information carrier application. In response to the application trigger operation received in the application interface, application information is displayed, including the object information of the applicant for the second physical information carrier. In response to the confirmation operation of the application information, the application result is displayed. By triggering the application through the application interface, application information can be directly displayed, and the object can submit the application for the second physical information carrier by confirming the application information. The entire physical information carrier application process is simplified, greatly improving the efficiency and convenience of the application. Attached Figure Description

[0010] Figure 1 An architecture diagram of an information processing system provided in this application embodiment; Figure 2 This application provides an architecture diagram of another information processing system. Figure 3 A flowchart illustrating an information processing method provided in an embodiment of this application; Figure 4 This is a schematic diagram of an application interface provided in an embodiment of this application; Figure 5 This is a schematic diagram illustrating another application interface provided in an embodiment of this application; Figure 6 This is another schematic diagram of the application interface provided in an embodiment of the present application; Figure 7a This is a schematic diagram illustrating the selection of a carrier type, provided in an embodiment of this application. Figure 7b A schematic diagram illustrating an application information display provided in an embodiment of this application; Figure 8 This is a schematic diagram illustrating an authorization display of application information provided in an embodiment of this application; Figure 9 This is a schematic diagram illustrating the display of application information provided in an embodiment of this application; Figure 10 This is a schematic diagram illustrating a dialog-based authorization display of application information, provided as an embodiment of this application. Figure 11 This is a schematic diagram illustrating the display of application results provided in an embodiment of this application; Figure 12 This is another schematic diagram showing the application result provided in an embodiment of this application; Figure 13 A schematic diagram of an application result provided for an embodiment of this application; Figure 14 This is a schematic diagram illustrating a processing result query provided in an embodiment of this application; Figure 15 A flowchart illustrating an information processing method provided in an embodiment of this application; Figure 16 This is a schematic diagram illustrating route mapping based on link information, provided as an embodiment of this application. Figure 17 This application provides a schematic diagram illustrating a recommendation relationship binding and application triggering mechanism. Figure 18 This application provides a schematic diagram of an information processing flow. Figure 19 This is a schematic diagram of another information processing flow provided in an embodiment of this application; Figure 20 This is a schematic diagram of the structure of an information processing device provided in an embodiment of this application; Figure 21 This is a schematic diagram of the structure of a terminal device provided in an embodiment of this application. Detailed Implementation

[0011] The following describes the relevant technical terms used in the embodiments of this application.

[0012] I. Near Field Induction Near-field sensing refers to a non-contact inductive communication technology that enables two devices to interact, read data, and verify information at close range (i.e., within the near-field sensing area) through methods such as radio frequency, electromagnetic coupling, and magnetic induction. In the embodiments of this application, near-field sensing refers to near-field communication between a terminal device and a physical information carrier within a close range.

[0013] In this embodiment, near-field sensing can be implemented through Wi-Fi (Wireless Local Area Network), Bluetooth, Zigbee (a low-power, multi-node self-organizing short-range wireless communication technology for the Internet of Things), UWB (Ultra Wide Band), NFC (Near Field Communication), etc. For example, near-field sensing can be implemented through NFC, a short-range, high-frequency wireless communication technology that allows contactless point-to-point data transmission between terminal devices and physical information carriers. Specifically, by deploying an NFC chip tag in the physical information carrier, the terminal device can detect the physical information carrier through NFC near-field sensing and display an application interface for applying for the physical information carrier. As another example, near-field sensing can be implemented through Bluetooth, a short-range, low-power, point-to-point wireless communication technology. By deploying a Bluetooth-enabled chip in the physical information carrier, the terminal device can detect the physical information carrier through Bluetooth near-field sensing and thus display an application interface for applying for the physical information carrier.

[0014] II. Physical Information Carrier A physical information carrier refers to a tangible physical carrier used to carry valid information. Physical information carriers can include, but are not limited to: physical credit cards, physical bank cards, physical access cards, physical transportation cards, financial integrated circuit cards (i.e., financial IC cards), financial universal serial bus disks (i.e., financial USB flash drives), etc. The information carried in a physical information carrier can include, but is not limited to: basic carrier information (such as carrier type, carrier validity period, etc.), application identifier (AID), link information used to display the application interface (such as the Uniform Resource Locator (URL) related to the application interface), object identifier of the holding object, etc.

[0015] Physical information carriers can support a wide variety of applications, and each application's application identifier can be carried within the physical information carrier. The application identifier is a unique code within the physical information carrier used to identify the corresponding application. For example, if the physical information carrier is a bank card, the bank card includes the application identifier of the bank application used to apply for the card. In this embodiment, the holder of the physical information carrier refers to the object that holds the physical information carrier, which can be understood as an object that has successfully applied for and obtained the physical information carrier from the issuing institution. The object identifier of the holder of the physical information carrier can be the carrier identifier (i.e., chip_UID) of the physical information carrier or an object credential (Token) generated through an encryption algorithm, etc.

[0016] The service rights corresponding to physical information carriers vary depending on their carrier type. The carrier type can include at least one of the following: financial transaction / savings type, financial transaction / credit type, identity verification type, and travel / transportation type. For example, if the carrier type is financial transaction / credit type or financial transaction / savings type, the service rights of this physical information carrier can include consumer credit, transfer settlement, and access to data resources (such as cash). Physical information carriers can include, but are not limited to, bank cards, credit cards, etc. If the physical information carrier is a travel / transportation carrier, the service rights of the travel / transportation medium can include travel privileges, priority passage without security checks, etc.

[0017] In this embodiment, when the terminal device senses a physical information carrier (such as a first physical information carrier) in the near field, it can read information such as the object identifier of the holding object and the link information of the application interface in the physical information carrier. Based on the link information, it jumps to the corresponding application interface, triggering the application object to apply for the physical information carrier. When jumping to the application interface, it can carry the object identifier of the holding object, thus establishing a binding relationship between the holding object and the application interface. The object information corresponding to the object identifier can be displayed in the application interface.

[0018] III. Deep Link Technology Deep linking is a technique used in applications. Unlike ordinary links that only redirect to the application's homepage, deep links can directly jump to a specific page or function within the application. In this embodiment, after obtaining the link information of the application interface from the physical information carrier, the terminal device can use this link information to wake up the corresponding target application and display the application interface within it. Deep linking eliminates the need for manual, step-by-step clicking to access the application interface, thus improving the efficiency of the application process. The link information for the application interface can be customized to enable it to be invoked within the corresponding target application.

[0019] The application interface involved in this application embodiment can be an interface in the target application, which can include any of the following: 1. An interactive interface in an application client specifically for handling physical information carriers, for example, the physical information carrier is a bank card, and the application client is a bank client; 2. An interactive interface in the target application can be an interactive interface in an installation-free application (commonly known as a mini-program). An installation-free application refers to an application that does not require installation or registration, does not modify the core system configuration, does not occupy system storage for a long time, and can be loaded instantly via the network or launched directly locally. For example, an installation-free application can be a mini-program, which refers to an application client (such as a payment client or an instant messaging client) that runs without installation and depends on the application client environment and account system. Therefore, the application client can be called a container for running installation-free applications. 3. An interactive page (i.e., an H5 page) in a browser.

[0020] IV. Device fingerprint Device fingerprint, also known as device identifier, is a unique and identifiable device identifier generated by collecting multi-dimensional features of a device's hardware, software, and network (such as device model, operating system version, central processing unit (CPU) information, media access control address (MAC) address, browser configuration, resolution, etc.) and processing these multi-dimensional features using algorithms.

[0021] This application provides an information processing solution that addresses the technical problems of lengthy application processes, low information entry efficiency, and poor interactivity associated with applying for physical information carriers, which rely on scanning QR codes or downloading corresponding applications. The solution includes bringing a first physical information carrier (such as a physical credit card) close to the near-field sensing area of ​​a terminal device. When the terminal device detects the first physical information carrier within the near-field sensing area, deep linking technology quickly launches a target application and directly displays the application interface within it. This application interface is used to apply for a second physical information carrier. Therefore, this application allows for triggering the application process for a second physical information carrier (such as another physical credit card, an access card, or a bank card) simply by bringing the first physical information carrier (such as a physical credit card) close to the near-field sensing area of ​​the terminal device. This is similar to a tap-to-activate physical information carrier application process, eliminating the need for scanning QR codes or downloading corresponding applications, achieving "tap-to-access," simplifying the entire application process, and making physical information carrier applications more convenient.

[0022] The applicant can directly trigger the processing of the second physical information carrier within the application interface. Correspondingly, the terminal device responds to the application trigger operation received on the application interface, displaying application information including the applicant's information for the second physical information carrier. Upon confirmation of the application information, the application result is displayed, achieving automatic information filling and submission for the physical information carrier application. This significantly shortens the application path for the physical information carrier, improving information entry efficiency and application efficiency. Furthermore, this application implements a near-field sensing area where the first physical information carrier is close to the terminal device. This means that the application process for the physical information carrier can only be initiated within the near-field sensing area. This security verification based on physical proximity avoids the problem of static QR codes being easily covered or replaced by criminals (i.e., "substitution"), leading to phishing websites and privacy leaks after scanning, or being hijacked by others. It naturally filters out the risks of remote network fraud and traffic hijacking. Meanwhile, the requirement to possess a physical information carrier (such as a physical card) to trigger the application enhances the security of the application portal. By bringing the physical information carrier close to the near-field area, information interaction can be achieved similar to tapping, providing a strong sense of technology, interactivity, and gamification. The entire physical information carrier application process is more convenient and more easily accepted by applicants.

[0023] The solution provided in this application can be applied to a "face-to-face social recommendation" scenario. In this scenario, the holder of the first physical information carrier (such as the first object) and the second object are in the same physical space. The first object only needs to take its first physical information carrier and bring it close to the near-field sensing area (located near the camera of the terminal device) of the second object's (i.e., the applicant's) terminal device to directly initiate the application process for the second physical information carrier on the second object's terminal device. This application process is similar to "tap to add a friend," which not only improves the application efficiency of physical information carriers but also has strong immediacy and a sense of technology, greatly reducing the psychological and operational barriers to social promotion and improving the conversion rate of physical information carriers and the social interaction experience.

[0024] It should be noted that in the embodiments of this application, the relevant data of the object, such as the object's basic information, object behavior information, etc., are required to obtain the object's permission or consent when the embodiments of this application are applied to specific products or technologies, and the collection, use and processing of the relevant data shall comply with the relevant laws, regulations and standards of the relevant regions.

[0025] The information processing system provided in the embodiments of this application will now be described. Please refer to [link to relevant documentation]. Figure 1 This is an architecture diagram of an information processing system provided in an embodiment of this application. The information processing system may include a first physical information carrier 101, a terminal device 102, a server 103, and an information management device 104; the terminal device 102 can be directly or indirectly connected to the server 103 via wired or wireless means, and the server 103 can communicate with the information management device 104. Wherein: The first physical information carrier 101 incorporates a near-field sensing chip tag (or near-field communication chip tag). For example, the near-field sensing chip tag refers to an NFC chip tag integrating a preset communication protocol (such as ISO / IEC 14443 Type A / B). Furthermore, the first physical information carrier 101 may also carry information such as the object identifier (refer_id) of the held object and link information to the application interface. The object identifier is used to uniquely identify the held object, and may include: the carrier identifier of the first physical information carrier or an object credential generated through an encryption algorithm, etc.

[0026] Terminal device 102 refers to the device used by the applicant for a physical information carrier application. Terminal device 102 has near-field communication capabilities (such as NFC). Thus, when the first physical information carrier is near the near-field sensing area of ​​the terminal device (e.g., placed within the near-field sensing area), terminal device 102 senses the first physical information carrier and displays an application interface for applying for a second physical information carrier. In this embodiment, terminal device 102 can run various applications, including but not limited to: application clients for applying for physical information carriers, portable applications, browsers, etc. The application interface can include any of the following: an interactive interface in an application client, an interactive interface in a portable application, or an interactive webpage in a browser. Subsequently, in response to an application trigger operation received in the application interface, application information is displayed, which includes object information of the applicant for the second physical information carrier. Terminal device 102 can be a smartphone, tablet, laptop, desktop computer, smart speaker, smartwatch, in-vehicle terminal, smart wearable device, etc.

[0027] It should be noted that in one implementation, the holding object and the applying object can be the same object. That is, the object can bring its first physical information carrier (such as its own physical bank card) close to its terminal device 102 to trigger an application for a second physical information carrier (such as a physical credit card). In another implementation, the holding object and the applying object can be different objects. That is, the holding object brings its first physical information carrier (such as object A's physical credit card) close to the applying object's terminal device 102 to trigger the applying object to apply for a second physical information carrier (such as object B applying for another physical credit card). In this case, the holding object can act as the object recommending the physical information carrier application. The object identifier of the holding object in the first physical information carrier can be obtained by the terminal device as a recommendation parameter. This establishes a binding relationship between the recommendation parameter and the current second physical information carrier application, thereby achieving application recommendation attribution locking. The applying object can act as the object recommended to apply for the physical information carrier. Application recommendation attribution locking is used to indicate which object initiated the application for the second physical information carrier.

[0028] Server 103 refers to a server that provides technical service support for terminal device 102. Server 103 may have the following functions: (1) When the object identifier is encrypted, it can decrypt the encrypted object identifier to obtain the object identifier. (2) Parse the object identifier of the holding object and obtain the object information of the holding object from the information management device 104 so as to display the object information of the holding object in the application interface. The object information of the holding object may include name, credit rating, etc. (3) Verify the physical information carrier recommendation qualification of the holding object. (4) Perform risk verification on the device fingerprint of the terminal device and the environmental information of the terminal device. (5) When the applicant submits the application for the second physical information carrier, server 103 may create an application record, which is used to record the application of the applicant for the second physical information carrier.

[0029] The information management device 104 can be used to store object information of different objects. In this embodiment, the information management device 104 can be used to store object information of the holding object and the applying object. In one implementation, the information management device 104 can store object information of objects from different data sources, such as object information of objects in operators (e.g., communication numbers), object information in authoritative real-name databases (e.g., identity identifiers), and object information in credit reporting centers.

[0030] It should be understood that the information management device 104 can be a server. The server can be an independent physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides 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.

[0031] In one embodiment, based on the information processing system, this application provides a schematic diagram of an information processing flow. The information processing flow may include the following steps: (1) When the terminal device 102 senses the first physical information carrier 101 in the near field, the terminal device 102 obtains the link information of the application interface from the first physical information carrier 101, and performs route mapping based on the link information to obtain the target application corresponding to the application interface. (2) The terminal device 102 wakes up the target application, and obtains the device fingerprint of the terminal device 102 and the environmental information of the terminal device 102 (such as the location of the terminal device 102) through the target application, and generates an environment verification request based on the encrypted object identifier of the holding object of the first physical information carrier 101, the device fingerprint and the environmental information, and sends the environment verification request to the server 103. (3) After receiving the environment verification request, the server 103 can decrypt the encrypted object identifier to obtain the object identifier, perform risk verification on the device fingerprint and environmental information according to the risk control rules, and obtain the object information of the holding object from the information management device 104 based on the object identifier after the verification is passed. (4) Server 103 returns object information of the held object to terminal device 102. (5) Terminal device 102 displays the application interface in the target application based on the object information of the held object. (6) The applicant enters an application trigger operation in the application interface. In response to the application trigger operation received in the application interface, the applicant displays application information, which includes object information of the applicant in the second physical information carrier. In one implementation, terminal device 102 can send a data retrieval request to server 103. In response to the data retrieval request, server 103 obtains the object information of the applicant from information management device 104 and returns it to terminal device 102. Terminal device 102 displays the application information based on the object information of the applicant. (7) In response to the confirmation operation of the application information, terminal device 102 displays the application result.

[0032] As can be seen, this embodiment utilizes near-field sensing to directly activate the application interface for applying for a second physical information carrier via the first physical information carrier. This is similar to triggering the application process directly with a simple "tap," eliminating the need for the user to open a barcode scanner and scan a code, thus improving the efficiency of the physical information carrier application. Furthermore, triggering the application through the application interface directly displays the application information, and the user can submit the application for the second physical information carrier by confirming the information. The entire physical information carrier application process is simplified and convenient, further improving efficiency. Additionally, risk verification enhances the security of the physical information carrier application process.

[0033] In one embodiment, this application also provides an architecture diagram of another information processing system. Near field sensing is used as an example; please refer to [link to relevant documentation]. Figure 2The information processing system may include a promotion terminal, a user terminal, and a server backend. The first physical information carrier 101 is located at the passive radio frequency trigger terminal. In this embodiment, the holder of the first physical information carrier serves as the object for recommending the application for the physical information carrier. The object for applying for the physical information carrier is the application object. The application object and the holder are not the same object. The object identifier (ref_id) of the holder can be used as a recommendation parameter, such as... Figure 2 In this context, the object identifier of the holding object can be the carrier identifier (i.e., chip_UID) of the first physical information carrier or the object token. The first physical information carrier 101 can be located at the passive radio frequency trigger end; the terminal device 102 is located at the device end; and the server 103 and the object information management device 104 are located at the server end.

[0034] 1) The passive RF trigger terminal includes a hardware physical layer and a data storage layer: (1) The hardware entity layer includes a first physical information carrier, in which an NFC chip or NFC chip tag conforming to a communication protocol (such as ISO / IEC 14443 Type A / B protocol) is integrated. The first physical information carrier operates in passive mode, which means that the NFC chip card itself does not have a battery or active power supply circuit and relies entirely on the radio frequency field emitted by the terminal device to operate. (2) The data layer is used to store the near-field communication messages of the first physical information carrier. In one implementation, a chip storage area (such as an EEPROM (Electrically Erasable Programmable Read-Only Memory) storage area) is provided in the data layer. The near-field communication messages of the first physical information carrier can be placed in the chip storage area. The near-field communication messages can be generated according to the NDEF (NFC Data Exchange Format) format. The near-field communication message includes two core records, namely record 1 and record 2: Record 1 is used to record the link information for the application interface. This link information can be used to instruct the target application to be invoked and to display the application interface within that application. For example, such as... Figure 2As shown, the link information can be "https: / / 123APP.com / apply?" or "123APP: / / apply?". The application interface can be displayed in different target applications via "https: / / 123APP.com / apply?" and "123APP: / / apply?".

[0035] Record 2 is used to record the object identifier of the holding object. In one implementation, Record 2 is used to record an encrypted object identifier, which is obtained by encrypting the object identifier using an encryption algorithm (such as AES algorithm, i.e., a symmetric encryption algorithm). Optionally, Record 2 is used to record encrypted payload information, which includes the object identifier (ref_id) and a replay protection salt (slat). The replay protection salt is a random, non-repeating string of characters / values ​​mixed into the encrypted payload information to prevent forgery and duplication.

[0036] 2) The device-side (User Agent) is primarily responsible for near-field sensing of the first physical information carrier in the passive RF trigger terminal. Upon sensing the first physical information carrier, it performs routing mapping based on the link information within the first physical information carrier to display the application interface in the corresponding target application. In one implementation, the device-side may include a hardware layer, a system layer (OS Service), and an application layer (Host Apps), wherein: A. Deploy a near-field sensing read / write controller at the hardware layer (e.g., Figure 2 The near-field sensing read / write controller can invoke the near-field sensing service to monitor the radio frequency field and detect when the first physical information carrier is placed in the near-field sensing area corresponding to the radio frequency field of the terminal device. It can obtain and parse near-field communication messages from the passive radio frequency trigger terminal to obtain the link information of the application interface. In addition, the near-field sensing read / write controller can invoke the scheduling near-field sensing service to execute anti-collision loop. Through the anti-collision loop, when multiple physical information carriers enter the near-field sensing area at the same time, it can repeatedly poll, address one by one, and identify them sequentially, separating and identifying multiple physical information carriers in a non-collision loop process.

[0037] B. The system layer is used for route mapping based on link information to display the application interface in the target application. In one implementation, the system layer deploys a deep link resolver. The deep link resolver maps routes based on link information to obtain the target application corresponding to the application interface, and then invokes the target application to display the application interface. For example... Figure 2In this context, the system layer can include various operating systems, including but not limited to Android and macOS. The corresponding operating system in the terminal device can call a deep link resolver to perform mapping and routing based on the link information, obtain the target application corresponding to the application interface, and launch the target application to display the application interface. In response to the application trigger operation received in the application interface, the corresponding operating system in the terminal device displays application information, which includes object information of the application object in the second physical information carrier; in response to the confirmation operation of the application information, it displays the application result.

[0038] Optionally, a secure container may also be included at the system layer. This secure container is used to temporarily store sensitive session tokens, which can prevent the session tokens from being maliciously read when stored in memory. The session token refers to the session token negotiated between the terminal device and the server when the session is initially established. The terminal device and the server must carry the session token for authentication when communicating with each other.

[0039] C. The application layer includes carrier processing application clients, payment application clients, browsers, etc., for physical information processing. The target application can include any of the following: application clients (such as carrier processing application clients), portable applications using payment application clients as containers, browsers, etc.

[0040] 3) The server primarily handles recommendation attribution services (such as recommendation attribution locking) and physical information carrier application processing. The servers and information management devices on the server side can form a cloud service cluster (Back System). The server side may include an attribution analysis engine, a data gateway, and a core application processing module. The server and devices can communicate via an HTTPS (Hypertext Transfer Protocol Secure) / Deep Link encrypted channel.

[0041] A. The attribution analysis engine can provide a recommendation attribution service. Through the recommendation attribution service, when the applicant applies for a physical information carrier through the recommendation of the holder, the source of the applicant's physical information carrier application can be accurately identified, and the physical information carrier application submitted by the applicant can be attributed to the corresponding holder, thereby realizing recommendation attribution locking. In this embodiment, the recommendation attribution service can be deployed on the server. The recommendation attribution service can be used to perform the following operations: (1) Decrypt the encrypted ref-id: Obtain the encrypted object identifier (i.e., encrypted ref-id) of the holder from the near-field communication message, and decrypt the encrypted object identifier to obtain the object identifier (i.e., ref-id) of the holder. (2) Parse the ref-id to obtain the object information of the holder. (3) Verify the recommendation qualification: Verify whether the holder has the qualification to recommend physical information carriers. When the holder has the qualification to recommend physical information carriers, the terminal device 102 can display the application interface based on the object information of the holder returned by the server and establish a binding relationship between the application interface and the holder.

[0042] B. The Federated Auth Gateway (FAG) sits between the server and the information management device. The FAG can interact with the information management device using the authorization token of the applicant, based on gateway protocols such as OAuth 2.0 (an open, token-based authorization framework) or OIDC (OpenID Connect, an identity authentication protocol). Specifically, when the device needs to retrieve the applicant's authorization information, it sends a data retrieval request to the server. The server, based on the authorization token, sends the request to the FAG. The FAG retrieves the applicant's authorization information from the information management device and returns it to the server. The server then returns the authorization information to the device, which displays it as the application information. The applicant's authorization information refers to the information about the objects that the applicant is authorized to retrieve.

[0043] The data gateway provides third-party APIs (Application Programming Interfaces), through which it can retrieve object information of applicants from different data sources included in the information management device. These third-party APIs can include data source interfaces corresponding to different data sources. For example, if the data source is a telecom operator, the data source interface can retrieve the applicant's object information (such as phone number) from the operator; if the data source is an authoritative real-name database, the data source interface can retrieve the applicant's object information (such as name, identity identifier, etc.) from the authoritative real-name database; and if the data source is a credit reporting center, the data source interface can retrieve the applicant's object information from the credit reporting center.

[0044] As can be seen, this embodiment of the application can automatically obtain authorization information using API when the applicant is authorized, thus eliminating the need for manual entry of application information.

[0045] C. The application core processing module is used for: (1) receiving form data, which refers to the authorization information of the applicant to be filled into the application form. At this time, the application form filled with the authorization information is the application information. (2) performing risk verification: the risk control decision engine in the application core processing module can be used to perform risk verification on the device fingerprint and environmental information of the terminal device according to the risk control rules before displaying the application interface. After the risk verification is passed, the application interface is displayed, which can prevent the applicant from using the same device to apply repeatedly in the same location. (3) After the applicant confirms the application information, an application record for the second physical information carrier can be created.

[0046] In summary, the information processing system provided in this application embodiment implements an architecture of "end (i.e., recommendation end and object end) - pipe (i.e., near field sensing and encrypted channel via HTTPS / Deep Link) - cloud (i.e. server end)". Through the cooperation between the various modules in this architecture, it is possible to realize the application of physical information carriers based on near field communication triggering and identity authentication, thereby improving the efficiency of physical information carrier application.

[0047] The information processing method provided in the embodiments of this application will be described in detail below.

[0048] Please see Figure 3 This is a flowchart illustrating an information processing method provided in an embodiment of this application. The information processing method can be executed by a terminal device and includes the following steps S301-S303: S301. When the first physical information carrier is detected in the near field, the application interface is displayed. The application interface is used to apply for the second physical information carrier.

[0049] The first physical information carrier and the second physical information carrier can include any of the following: physical credit cards, physical bank cards, physical access control cards, physical transportation cards, financial integrated circuit cards, and financial universal serial bus disks. The carrier type of the first physical information carrier and the carrier type of the second physical information carrier can be the same or different. The carrier type can include at least one of the following: financial transaction savings type, financial transaction credit type, identity recognition type, and travel / transportation type. For example, the carrier type corresponding to a physical credit card is financial transaction credit type; the carrier type corresponding to a physical bank card and a financial universal serial bus disk is financial transaction savings type; the carrier type corresponding to a physical access control card is identity recognition type; and the carrier type corresponding to a physical transportation card is travel / transportation type.

[0050] The application interface may include the interface of the target application, which may include any of the following: an application client, a portable application, or a browser; correspondingly, the interface of the target application may include any of the following: the interactive interface of the application client, the interactive interface of the portable application, or an interactive page in a browser (i.e., an H5 page). In one implementation, the application client includes a client that supports the application for a second physical information carrier. For example, if the second physical information carrier is a physical bank card, the client that supports the application for a second physical information carrier may include a bank client (i.e., a bank app).

[0051] As one implementation method, when the terminal device is in the unlocked and screen-on state (without needing to open a specific App), the first physical information carrier can be brought close to the near-field sensing area of ​​the terminal device. At this time, step S301 may specifically include: when the first physical information carrier is placed in the near-field sensing area of ​​the terminal device, the application interface is displayed.

[0052] In one implementation, please refer to Figure 4 This is a schematic diagram illustrating an application interface display provided in an embodiment of this application. Figure 4 In this process, the first physical information carrier is a bank card 11. When the bank card 11 is placed in the near-field sensing area 41 of the terminal device, the application interface 401 is displayed directly.

[0053] In another implementation, when the first physical information carrier is placed in the near-field sensing area of ​​the terminal device, a notification message can be output. This notification message is used to notify that the first physical information carrier has been detected and to trigger an application for the physical information carrier. In response to the notification message being triggered, an application interface is displayed. The notification message can be triggered in ways including, but not limited to, clicking the notification message, dragging the notification message, etc. For example, please refer to... Figure 5 This is a schematic diagram illustrating another application interface provided in an embodiment of this application. Figure 5When the bank card 11 is placed in the near-field sensing area 51 of the terminal device, a notification message 52 is output. This notification message is used to notify that a physical card has been detected and to trigger an application. In response to the click operation of the notification message, the application interface 501 is displayed.

[0054] In another embodiment, when the first physical information carrier is placed in the near-field sensing area of ​​the terminal device, a notification message can be output. This notification message contains a link to the application interface. Upon triggering the link information in the notification message, the application interface is displayed. See also... Figure 6 This is a schematic diagram illustrating another application interface display provided in an embodiment of this application. The notification message 61 contains the link information "Click 'http: / / 33.com / apply'", and in response to the click operation of the link information "Click 'http: / / 33.com / apply'", the application interface is displayed.

[0055] The near-field sensing area can refer to any location that the terminal device can identify as the first physical information carrier; the sensing area includes any of the following: any location on the display screen of the terminal device (e.g., Figure 4 The near-field sensing area 41 shown), and the preset area where the camera included in the terminal device is located (e.g., Figure 5 The near-field sensing area 51 shown is located in the preset area where the camera 50 is located.

[0056] The notification message can be output in at least one of the following ways: (1) displayed as a banner in the status bar of the terminal device. For example, in Figure 5 In the middle, notification message 52 is displayed as a banner in the status bar 53 of the terminal device. (2) It is displayed in a fixed area of ​​the terminal device, for example, the notification message is displayed in the upper area of ​​the terminal device screen, or, for example, Figure 6 (3) The notification message is output in the floating window of the terminal device. (4) The notification message is output in the form of a floating panel. (5) The notification message is output in the form of a card in the terminal device. (6) The notification message can be output in the form of voice playback, such as looping the notification message within a certain time (e.g., 6s, 7s). (7) It can be dynamically output in the terminal device, for example, sliding from top to bottom or from left to right in the terminal device. It should be understood that the notification message in the embodiments of this application can be output in at least two ways, such as combining voice playback and outputting in the form of a banner in the status bar of the terminal device; or combining voice playback and outputting in a fixed area of ​​the terminal device. The embodiments of this application do not limit the output method of the notification message.

[0057] Optionally, embodiments of this application support the applicant's flexible selection of the carrier type of the second physical information carrier to be applied for. In one embodiment, in response to the triggering of the link information in the notification message, a type list is displayed, the type list containing at least one type identifier, each type identifier being used to identify a carrier type, the carrier type including at least one of the following: financial transaction savings type, financial transaction credit type, identity recognition type, and travel transportation type; a selection operation for a target type identifier among the at least one type identifier is received, the target type identifier being used to identify the target carrier type; an application interface is displayed, the carrier type of the second physical information carrier applied for through the application interface being the target carrier type. Please refer to [link to relevant documentation]. Figure 7a This is a schematic diagram illustrating a carrier type selection method provided in an embodiment of this application. Figure 7a In response to the link information in notification message 61 being triggered, a type list 70 is displayed, which includes type identifiers 1-3. When the applicant selects type identifier 2, the terminal device can receive the selection operation for type identifier 2 and display the application interface 700. Optionally, type identifier 2 corresponds to carrier type A, and the application interface 700 can prompt for processing a second physical information carrier of carrier type A.

[0058] It should be noted that the applicant can choose the same carrier type as the first physical information carrier, or a different carrier type. That is, in this embodiment, the application for a second physical information carrier of a different carrier type can be triggered by the first physical information carrier, making the application for physical information carriers more flexible. Furthermore, in this embodiment, the carrier type selection can be performed after the link information in the notification message is triggered, or it can be performed after the application interface is displayed. In one implementation, an application interface is displayed, which includes a carrier type selection option. In response to the triggering operation of the carrier type option, a type list is displayed, and a selection operation is received for a target type identifier among at least one type identifier. The target type identifier is used to identify the target carrier type, and the carrier type of the second physical information carrier applied for through the application interface is the target carrier type.

[0059] S302. In response to the application trigger operation received in the application interface, display the application information, which includes the object information of the application object of the second physical information carrier.

[0060] The object information of the applicant may include, but is not limited to, address information, identity information, and contact number. In one embodiment, the object information of the applicant may be information obtained by de-identifying the original object information of the applicant (e.g., hiding or covering some information in the original object information). In another embodiment, the object information of the applicant is the original object information. Optionally, the application information may also include information about the agency that processes the second physical information carrier, information confirmation prompts, etc.

[0061] The application trigger operation may include any of the following: (1) a selection operation on the application entry in the application interface (such as a click operation, a drag operation, etc.), where the application entry may include, but is not limited to: application options, application buttons, application icons (such as a circular icon, a square icon, etc.). For example, in Figure 4 In the middle, the application entry can be application option 42. When the applicant clicks application option 42, the application information is displayed in response to the click operation of application option 42 received in the application interface 401. The application information includes the object information 43 of the applicant. In addition, the application entry can be highlighted in the application interface (such as magnified display, display with a specific color, bold display, etc.) or hidden in the application interface. When there is a display trigger operation for the application entry, the application entry is displayed in the application interface. (2) The floating gesture operation input in the application interface. The floating gesture can be M gesture, L gesture, etc. (3) The voice input operation in the application interface. For example, the applicant can voice input "apply for a second physical information carrier" in the application interface. The terminal device responds to the voice input operation received in the application interface, performs voice recognition on "apply for a second physical information carrier", and displays the application information when "apply for a second physical information carrier" is recognized by voice. (4) The sliding operation in the application interface according to a preset direction (such as upward direction, downward direction, left direction or right direction). For example, please refer to Figure 7b This is a schematic diagram illustrating an application information display provided in an embodiment of this application. Figure 7b In response to a swipe operation to the right in the application interface, the application information, including object information 43, can be displayed.

[0062] In one implementation, the object information can be input by the applicant before being displayed. Let the applicant of the second physical information carrier be the second object. Step S302 specifically includes: responding to an application trigger operation received in the application interface, outputting an application form; and displaying the application form containing the input information as application information based on the received input operations for each item in the application form. In another implementation, the object information can be filled into the application form using character recognition technology. Specifically, responding to an application trigger operation received in the application interface, an application form is output; responding to an identity information capture operation, the identity information obtained by character recognition of the captured image is filled into the application form, and the application form filled with authorization information is displayed as application information. The character recognition of the captured image can be performed using OCR (Optical Character Recognition) technology.

[0063] In another implementation, during the information filling stage, the second user needs to input long text objects such as home address and work name on the small screen of the terminal device, which easily leads to fatigue. Statistics show that many second users give up halfway through filling out the form due to the tediousness, resulting in low conversion rates. Furthermore, OCR recognition is highly dependent on the environment; the technology is heavily reliant on the shooting environment. Insufficient or excessive lighting (reflection), tilted shooting angles, or wear on the document surface can all cause recognition failures or errors (such as misrecognizing an "X" in an identification badge as a "Y," or failing to recognize uncommon characters in the address), resulting in unstable accuracy (poor fault tolerance). Moreover, once an error occurs, the second user must manually delete and re-enter the information, which not only fails to provide convenience but also increases the operational burden and frustration. Based on this, in this embodiment, the second object can directly perform the authorization operation. The terminal device, based on the authorization operation of the second object, retrieves the authorization information and fills it into the application form. The application form filled with the authorization information is then displayed as application information. This authorization information refers to the object information that the second object can authorize to retrieve. In this way, the second object only needs to verify whether the information is correct. This direct authorization and information retrieval method solves the problem of data entry errors, that is, it eliminates OCR recognition errors and manual input errors from the source, improves the approval rate of the application, reduces the failure of the application of the second physical information carrier due to information errors, and can improve the accuracy of object information acquisition.

[0064] In one implementation, in response to an application trigger operation received in the application interface, an authorization prompt message is output. This authorization prompt message is used to prompt the retrieval of authorization information from a second object. Upon receiving an authorization operation initiated by the second object through the authorization prompt message, the authorization information is retrieved and filled into the application form, and the application form filled with authorization information is displayed as application information. The output method of the authorization prompt message may include at least one of the following: (1) popping up an authorization overlay panel at the bottom of the terminal device, the authorization overlay panel including the authorization prompt message; (2) outputting it in a fixed area of ​​the terminal device; (3) outputting it in the form of a card in the terminal device.

[0065] The authorization operation may include any of the following: (1) triggering the authorization prompt message, including the authorization entry, through which "one-click form filling" can be achieved, reducing the failure of the second physical information carrier application due to information errors. The authorization entry here may include, but is not limited to: authorization options, authorization buttons, authorization icons (such as a circular icon, a square icon), etc. For example, please refer to Figure 8 This is a schematic diagram illustrating an authorized display of application information provided in an embodiment of this application. Figure 8 In response to a click on the application option received in the application interface, an authorization prompt message 81 is displayed in the bottom pop-up authorization overlay panel. This authorization prompt message 81 is used to prompt the user to retrieve the authorization information of the second object (such as...). Figure 8 (The communication number, address information, identity identifier, etc. in the message), the authorization prompt information 81 includes authorization option 811. When the second object clicks the authorization option 811, the terminal device receives the authorization operation initiated by the second object through the authorization prompt message, pulls the authorization information to fill in the application form 82, and displays the application form 82 filled with authorization information as application information. (2) The authorization operation includes the input of the floating gesture operation, which can be the M gesture, L gesture, etc. (3) Voice input operation in the application interface. For example, the applicant can input "authorize" by voice in the application interface. When the terminal device receives the voice input operation, it performs voice recognition on the input voice "authorize", and pulls the authorization information to fill in the application form according to the recognized "authorize".

[0066] In one implementation, since retrieving the authorization information of the second object takes some time, an information loading animation can be displayed when the authorization operation initiated by the second object via an authorization prompt message is received. This information loading animation can include at least one of the following: an information loading progress bar, an information icon loading animation, a text prompt animation, etc. For example, please see... Figure 9 This is a schematic diagram illustrating an application information display provided in an embodiment of this application. Figure 9In response to a click on the authorization option 811 received in the application interface, an information loading animation 91 can be displayed. The information loading animation 91 includes a text prompt animation "Retrieving your information" and an information icon loading animation. When the authorization information of the second object is retrieved, the information loading animation 91 ends, and the retrieved authorization information is filled into the application form 82.

[0067] In one implementation, authorization can be performed via AI dialogue; for details, please refer to [link / reference needed]. Figure 10 This is a schematic diagram illustrating a dialog-based authorization display of application information provided in an embodiment of this application. Figure 10 In the application interface, an intelligent dialogue window 100 is displayed. The application trigger operation can be receiving a first dialogue message sent by a second object. The first dialogue message includes an application operation instruction. In response to the application trigger operation received in the application interface, the display of application information can include: in response to the application operation instruction 1002 included in the first dialogue message 1001 entered in the intelligent dialogue window 100, a second dialogue message 1003 sent by the intelligent agent is displayed. The second dialogue message 1003 includes an application form 1004. In response to the authorization operation instruction 1006 included in the third dialogue message 1005 entered in the intelligent dialogue window 1001, authorization information is retrieved and filled into the application form 1004. A fourth dialogue message 1007 sent by the intelligent agent is displayed. The fourth dialogue message 1007 includes the application form 1004 filled with authorization information. The application form filled with authorization information is displayed as application information.

[0068] In summary, this application embodiment eliminates the image processing step of OCR recognition by combining the technical combination of "near field sensing to evoke the physical information carrier application process + data filling through authorization retrieval", thereby upgrading the data flow from "analog signal (image)" to "digital signal (structured data, i.e., retrieval of structured authorization information)", fundamentally improving the accuracy of data retrieval and the efficiency of physical information carrier application.

[0069] S303. In response to the confirmation operation of the application information, display the application result.

[0070] The confirmation operation may include any of the following: (1) a trigger operation for the confirmation option of the application information, for example, such as Figure 11The diagram shown is a schematic of an application result display provided in an embodiment of this application. In response to the click operation of the confirmation option 1101, the application result 1102 is displayed. The confirmation option can be located in any area of ​​the interface where the application information is located, such as the bottom area, top area, etc. of the interface where the application information is located. (2) Voice confirmation operation, such as voice input "confirm", in response to the voice confirmation operation of the application information, the application result is displayed. (3) Sliding operation in a preset direction (such as left, right, etc.).

[0071] In one implementation, step S303 may include: in response to a confirmation operation on the application information, displaying a submission prompt message, which indicates that a second physical information carrier application is being submitted; and displaying the application result when the submission progress of the second physical information carrier application meets the submission progress conditions. The submission prompt message includes at least one submission process step for submitting the second physical information carrier application. This at least one submission process step can be dynamically displayed. For example, the at least one submission process step may include, but is not limited to: encrypted data transmission (such as SSL (Secure Sockets Layer) encrypted transmission), risk control verification, and referral relationship binding. Encrypted data transmission means that the terminal device must encrypt the second physical information carrier application request before transmission to the server. Risk control verification refers to performing risk control verification on the submission request, such as verifying the legality of the signature information of the second object in the submission request. Referral relationship refers to the application for the second physical information carrier initiated by the second object under the recommendation of the first object. At this time, the application progress of the second physical information carrier application may include at least one submission process step. Meeting the submission progress conditions means that all submission process steps for submitting the second information carrier application have been completed.

[0072] For example, please see Figure 12 This is another schematic diagram showing the application result provided in an embodiment of this application. Figure 12 In response to the confirmation option 1200 for the application information, a submission prompt message 1201 is displayed. This submission prompt message 1201 includes application process steps 12011, 12012, and 12013. These application process steps 12011, 12012, and 12013 are displayed dynamically in sequence (i.e., application process step 12011 is displayed first, then application process step 12012, and finally application process step 12013). When application process step 12013 is displayed, it is determined that the submission progress of the second physical information carrier application meets the submission progress conditions, and the application result 1202 is displayed.

[0073] Alternatively, the submission progress condition includes 100%; the submission progress of the second physical information carrier application meets the submission progress condition, which means that the application progress of the second physical information carrier application reaches the preset progress value (such as 100%), and the application result is displayed.

[0074] The application result is used to indicate whether the application for the second physical information carrier was successfully submitted or failed. (1) If the application for the second physical information carrier is successfully submitted, the application result may include at least one of the following information: a successful submission notification, the application review time for the second physical information carrier (e.g., 1-3 working days if review is required), and the notification method for the application result of the second physical information carrier (e.g., SMS notification, telephone notification, etc.). For example, in Figure 11 In this context, when the application for the second physical information carrier is successfully submitted, the application result 1102 may include a submission success notification message 11021 and a notification method 11022 for the processing result of the second physical information carrier application. For example, in... Figure 12 In the process, when the application for the second physical information carrier is successfully submitted, the application result may include a successful submission prompt message 12021, a notification method for the processing result of the second physical information carrier application 12022, and the application review time of the second physical information carrier 12023. (2) If the application for the second physical information carrier fails, the application result may include at least one piece of information: a submission failure prompt message, and a reason for submission failure. For example, if Figure 13 The diagram shown is a schematic representation of an application result provided in an embodiment of this application. Figure 13 In the application result 1301, there is a submission failure message 13011 and a submission failure reason 13012. The applicant can query the specific submission failure reason. At this time, in response to the query trigger operation of submission failure reason 13012, the analysis interface 1302 displays the specific analysis of the submission failure reason (such as reason 1-reason 3) and the corresponding suggestions for each reason (such as reason 1 corresponding to suggestion 1, reason 2 corresponding to suggestion 2, and reason 3 corresponding to suggestion 3).

[0075] Optionally, the application result includes whether the application for the second physical information carrier was successfully submitted or failed. After step S301, if the application result includes successful submission of the second physical information carrier, in response to the application progress query operation, the application processing progress of the second physical information carrier is displayed. When the application processing progress reaches a preset progress threshold (e.g., 100%, 95%, etc.), the application processing result is output, indicating whether the application for the second physical information carrier was successful or failed. The application progress query operation can be a trigger operation for viewing the application progress option (e.g., single-click operation, double-click operation, drag operation, etc.). Figure 14The diagram shown illustrates a processing result query method provided in this embodiment. In response to clicking the "View Application Progress" option 11024, the application processing progress 1401 of the second physical information carrier is displayed. At this time, the application processing progress is 50%. When the application processing progress reaches 100%, reaching a preset progress threshold, the application processing result 1402 is displayed. It should be noted that the application progress query operation can also be a swipe operation in a preset direction, a hover input of a specific gesture, etc. This embodiment does not limit the application progress query operation in any way.

[0076] Optionally, when the application for the second physical information carrier fails, a failure query prompt message can be output. This failure query prompt message is used to prompt for the reason for the failure. In response to the triggering operation of the failure query prompt message, the reason for the failure of the application for the second physical information carrier is displayed.

[0077] Optionally, the holder of the first physical information carrier is the first object, and the applicant of the second physical information carrier is the second object. In this case, it is equivalent to the first object recommending the second object to apply for the physical information carrier. In this scenario, when the application result includes the successful submission of the second physical information carrier application, referral incentive information can be allocated to the first object. The referral incentive information here can be one-time incentive information, that is, when the second object successfully submits the second physical information carrier application, the first object is only allocated incentive information once, and the reward cannot be claimed repeatedly. Alternatively, the referral incentive information can be a card reward; or, the referral incentive information can be a resource reward, etc. This application embodiment does not impose any limitations on the referral incentive information.

[0078] The allocation method of the referral incentive information may include at least one of the following: (1) Each invitation is accompanied by a corresponding referral incentive information. (2) The referral incentive information is determined based on the object information of the second object. For example, if the object information of the second object determines that the second object is applying for the second physical information carrier for the first time, then a higher referral incentive information can be allocated to the first object. For another example, if the object information of the second object includes a credit rating, and the credit rating of the second object is high, then a higher referral incentive information can be allocated to the first object. (3) The referral incentive information is determined based on the object information of the first object. For example, if the object information of the first object determines that the first object is inviting the second object to apply for the second physical information carrier for the first time, then a higher referral incentive information can be allocated to the first object; or, the referral incentive information is determined based on the number of times the object information of the first object has invited the application for the physical information carrier. For example, the more times the object information of the first object has invited the application for the physical information carrier, the more referral incentive information is allocated to the first object; or, the referral incentive information is determined based on the number of successful invitations to apply for the physical information carrier in the object information of the first object. For another example, the higher the number of successful invitations to apply for the physical information carrier, the more referral incentive information is allocated to the first object.

[0079] In some implementations, after allocating recommended incentive information to the first object, an incentive allocation prompt can be output to the first object's terminal device. In response to the triggering operation of the incentive allocation prompt, the first object's terminal device can display the recommended incentive information allocated when the second physical information carrier application was successful. Furthermore, the first object can view its accumulated incentive information. In response to the incentive information viewing operation, the first object's terminal device displays the accumulated incentive information, which can be obtained by accumulating the recommended incentive information allocated when the second physical information carrier application was successful and historical incentive information.

[0080] In this embodiment, when the first physical information carrier is sensed in the near field, an application interface is displayed. This application interface is used to apply for a second physical information carrier. By utilizing near field sensing, the application interface for applying for the second physical information carrier can be directly invoked through the first physical information carrier, similar to a "tap-to-tap" action directly triggering the application process, eliminating the need for the object to open a barcode scanner and thus improving the efficiency of the physical information carrier application. In response to the application trigger operation received in the application interface, application information is displayed, including the object information of the applicant for the second physical information carrier. In response to the confirmation operation of the application information, the application result is displayed. By triggering the application through the application interface, application information can be directly displayed, and the object can submit the application for the second physical information carrier by confirming the application information. The entire physical information carrier application process is greatly simplified, significantly improving the efficiency of the physical information carrier application.

[0081] In some optional embodiments, the holder of the first physical information carrier is the first object, and the applicant of the second physical information carrier is the second object. In this case, it is equivalent to the first object recommending the second object to process the physical information carrier application. In this scenario, such as... Figure 4 As shown, invitation information 44 is displayed on the application interface 401. This invitation information is used to notify the first target (such as "Zhang"). (iii) Invite the second party to apply for a physical information carrier.

[0082] The invitation information includes the object information of the first object, which includes basic object information and / or object behavior information. By displaying the basic object information and / or object behavior information, the second object can intuitively understand whether the invitation is credible, which can improve the success rate of the object's application for physical information carrier and the success rate of the second object's invitation.

[0083] 1) Basic object information includes at least one of the following: object identifier, object attributes, object credit rating, and object social relationships. The object identifier can be the carrier identifier of the first physical information carrier or an object credential, etc., and the object identifier is unique. When using an immutable hardware unique identifier (UID / Token) as the object identifier, when allocating referral incentive information to the first object, it only requires the first object's first physical information carrier to be close to the near-field sensing area to achieve a "tap-to-click" effect. Regardless of subsequent interface transitions, the referral relationship remains anchored to the first physical information carrier, ensuring the effect of "whoever taps the card is the referrer," guaranteeing the accuracy of referral attribution, and improving the accuracy of incentive information allocation. Object attributes can include name, object nickname, etc.; the higher the object credit rating, the more credible the first object's invitation. Object social relationships can indicate whether the first object is a friend, colleague, etc., of the second object. Alternatively, object social relationships can indicate whether the first object and the second object share the same objects, such as the same friends or colleagues, etc. For example, Figure 4 In the invitation information 44, the social relationships of the first object (i.e., being friends with the second object) are included. 2) The object behavior information includes at least one of the following: (1) The recommendation method used by the first object when issuing the invitation. For example, the recommendation method includes, but is not limited to: NFC tap recommendation method, QR code scanning recommendation method, Bluetooth recommendation method, etc. (2) The number of times the first object issues an invitation. For example, the object behavior information may include the number of times the first object issues an invitation within a historical time period, such as the first object issuing an invitation 5 times between "Year Y Month 1st - Year Y Month 15th". (3) The number of times the physical information carrier is applied for under the invitation of the first object. (4) The number of times the physical information carrier is successfully applied for under the invitation of the first object. For example, the object behavior information may include the number of times the physical information carrier is successfully applied for under the invitation of the first object within a preset time period. The object behavior information may include the number of times the physical information carrier is successfully applied for under the invitation of the first object within "Year Y Month 1st - Year Y Month 15th". (5) Evaluation information of the application of the physical information carrier at the invitation of the first object. The evaluation information may include, but is not limited to: the number of times the first object’s application is liked or negatively reviewed within a preset evaluation period (such as the most recent week or month).

[0084] Optionally, to facilitate the application of a second object as a physical information carrier, embodiments of this application may display the exclusive rights information of the second physical information carrier in the application interface. For example, in Figure 5 In the application interface 501, the exclusive rights information 54 of the second physical information carrier can be displayed. The exclusive rights information 54 can include rights information 1 and rights information 2. The exclusive rights information includes at least one of the following: (1) Incentive information when applying for the second physical information carrier; the incentive information may include, for example, rewards of actual items (such as boxes, tissues, etc.), discounts on the use of the second physical information carrier, etc. For example, if the second physical information carrier is a physical credit card, the incentive information when applying for the physical credit card may include rewards of a suitcase, waiver of the annual fee of the physical credit card, cashback on consumption using the physical signal card, etc. (2) Usage scenario information of the second physical information carrier. Usage scenario information can refer to the usage scenario of the second physical information carrier. For example, if the second physical information carrier is a physical credit card, the physical credit card can be used in major business districts. For another example, if the second physical information carrier is a physical access card, the usage scenario of the access card can be used in a residential area or office building. (3) Usage rights of the second physical information carrier; Usage rights define the permissions of the second physical information carrier. For example, if the second physical information carrier is a physical bank card, the usage rights may include small-amount password-free payment; or if the second physical information carrier is a physical access card, the usage rights may include: using the access card to enter the exclusive channel in the community, or only being able to reach the specified elevator floor, etc.

[0085] Among them, the exclusive rights information of the second physical information carrier can be determined based on the influencing factor. The influencing factor may include at least one of the following: the object information of the first object and the object information of the second object. (1) The influencing factor includes the object information of the first object. For example, the object information of the first object includes credit rating or recommendation rating. The higher the recommendation rating or credit rating of the first object, the more rights information the exclusive rights information of the second physical information carrier includes. For example, the exclusive rights information may include incentive information when applying for the second physical information carrier and usage scenario information of the second physical information carrier. The lower the recommendation rating or credit rating of the first object, the less rights information the exclusive rights information of the second physical information carrier includes. For example, the exclusive rights information may include incentive information when applying for the second physical information carrier. (2) The influencing factor includes the object information of the second object. The object information includes, but is not limited to: the credit rating of the second object, the card type applied for by the second object, the historical consumption behavior of the second object in the historical time period (such as spending T yuan from the 1st of Y month of year X to the 30th of Y month of year X), the social behavior of the second object, etc. For example, the object information of the second object includes credit rating. The higher the credit rating of the first object, the more rights information the exclusive rights information of the second physical information carrier includes. For example, if the object information of the second object indicates that the second object is applying for the first time, then the exclusive rights information of the second object will include more rights information. For example, if the object information of the second object includes the historical consumption behavior of the second object within a historical period, and if the consumption amount included in the historical consumption behavior is greater than the preset amount, then the exclusive rights information of the second object will include more rights information. (3) The influencing factors include the object information of the first object and the object information of the second object. Based on the object information of the first object, the first rights information for applying for the second physical information carrier is determined, and based on the object information of the second object, the second rights information for the second physical information carrier is determined. Then, the first rights information and the second rights information are merged to obtain the exclusive rights information of the second physical information carrier. The fusion here may include deduplicating the first rights information and the second rights information to obtain the exclusive rights information of the second physical information carrier; or, selecting the optimal rights information from the first rights information and the second rights information as the second rights information for applying for the second physical information carrier; or, using both the first rights information and the second rights information as the exclusive rights information of the second physical information carrier.

[0086] It should be understood that the exclusive rights information of the second physical information carrier displayed on the application interface can be directly used as the second object to apply for the rights information of the second physical information carrier. Of course, the exclusive rights information includes multiple reference rights information (such as...). Figure 5The application interface includes two sets of rights information (Rights Information 1 and Rights Information 2). The second applicant can select the reference rights information they need. In response to the selection of multiple reference rights information, the selected reference rights information can be used as the rights information for the second applicant to apply for the second physical information carrier.

[0087] Please see Figure 15 This is a flowchart illustrating an information processing method provided in an embodiment of this application. The information processing method can be executed by a terminal device. In this embodiment, the holder of the first physical information carrier is the first object, and the applicant of the second physical information carrier is the second object. The first object can recommend the application for a physical information carrier to the second object through the first physical information carrier. The information processing method may include the following steps S1501-S1506: S1501. When the first physical information carrier is sensed in the near field, the near field communication message of the first physical information carrier is obtained. The near field communication message includes the link information of the application interface.

[0088] The first physical information carrier includes near-field communication messages, which include a first record (record 1) and a second record (record 2). The first record includes link information for the application interface. When the first physical information carrier is sensed by a near-field sensor, the near-field communication messages of the first physical information carrier can be obtained, and the link information for the application interface included in the first record can be read from the near-field communication messages.

[0089] In one implementation, a near-field sensing read / write controller is deployed within the terminal device. When the near-field sensing read / write controller is in low-power polling mode, the terminal device calls the internally deployed near-field sensing read / write controller to detect that the first physical information carrier is placed in the near-field sensing area (e.g., the sensing distance corresponding to the near-field sensing area is less than a preset distance, such as 4cm). The near-field sensing read / write controller is activated and sends a near-field communication connection command (RATS (Request for Answer to Select) command) to the first physical information carrier. After receiving the near-field communication connection command, the first physical information carrier completes a protocol handshake with the terminal device and establishes a logical channel. Then, the terminal device can read the near-field communication messages of the first physical information carrier based on the logical channel.

[0090] In one implementation, when the first physical information carrier is placed in the near-field sensing area of ​​the terminal device, a notification message is output, which corresponds to link information. In response to the notification message being triggered, step S1502 is executed.

[0091] S1502. Perform route mapping based on link information to obtain the target application corresponding to the application interface.

[0092] In one implementation, this application provides a routing mapping strategy that defines multiple applications managed by an application package manager. The strategy allows searching for the application corresponding to the link information among these applications. Specifically, each application managed by the application package manager has a corresponding link protocol header. The target link protocol header (URI Scheme) can be obtained from the link information. If the target link protocol header matches the link protocol header corresponding to each application, the application corresponding to the matched link protocol header is taken as the target application. For example, if the target link protocol header in the link information is "bankapp: / / ", and the link protocol header corresponding to the bank app is also "bankapp:", then the bank app can be taken as the target application. Similarly, if the target link protocol header in the link information is "https: / / ", and the link protocol header corresponding to the browser is also "https:", then the browser can be taken as the target application.

[0093] In another implementation, the routing mapping strategy sets a fallback policy, searching for the application corresponding to the link information among multiple applications managed by the application package manager. Specifically, each application managed by the application package manager corresponds to a link protocol header. The target link protocol header (URI Scheme) can be obtained from the link information. If the target link protocol header matches the link protocol header corresponding to each application, the application corresponding to the matched link protocol header is taken as the application corresponding to the link information. If the application corresponding to the link information is found in the application package manager and the application corresponding to the link information is installed, then the application corresponding to the link information is determined as the target application corresponding to the application interface; the application corresponding to the link information is either an application client or a portable application. In one implementation, there are multiple applications corresponding to the link information, each with a priority. The application with the highest priority can be selected as the target application corresponding to the application interface. If the application corresponding to the link information is not found in the application package manager or the found application corresponding to the link information is not installed, a fallback policy can be used to determine the browser as the target application.

[0094] Optionally, if the application corresponding to the found link is not installed, the terminal device can output an installation prompt for the application corresponding to the link. If a confirmation operation is received for the installation prompt, the application corresponding to the link can be installed directly, and the application corresponding to the link can be identified as the target application. If a rejection operation is received for the installation prompt, a downgrade strategy can be used to identify the browser as the target application.

[0095] Please see Figure 16 This is a schematic diagram illustrating route mapping based on link information, provided in an embodiment of this application. Figure 16 Taking a physical bank card as the second physical information carrier, notification message 1601 is output. In response to a click on notification message 1601 (i.e., the notification message is triggered), deep linking technology is used for routing mapping based on the link information of the application interface. According to the link information, the target application corresponding to the application interface is preferentially determined to be the bank's APP. If the bank APP is not installed, alternative solutions can be selected: Alternative Solution 1, directly determining the target application corresponding to the application interface as a portable application; or Alternative Solution 2, directly determining the target application corresponding to the application interface as a browser. As one implementation method, when the bank APP is not installed, the application with the highest priority between portable applications and browsers can be selected as the target application according to the routing mapping strategy. If the priority of the portable application is higher than that of the browser, the portable application is selected as the target application.

[0096] S1503. Obtain the object identifier of the first object from the near-field communication message, and add the object identifier to the domain name link query string included in the link information to obtain the link string.

[0097] In one implementation, the object identifier of the first object can be obtained from the second record of the near-field communication message. In the scenario of application recommendation for physical information carrier processing, the object identifier of the first object needs to be entered into the application interface of the target application. Therefore, the object identifier can be added to the link information and brought into the target application through step S1502, which facilitates the recommendation attribution locking after the processing of the second physical information carrier. The domain name link query string refers to the string located at a specific position in the link information (such as after the link information "?"). For example, the link query string can be a URL query string. If the link information is "bankapp: / / ?Sss", the link query string is "Sss", and the object identifier is 1111, then 1111 is added to "Sss" to obtain the link string "bankapp: / / ?Sss1111".

[0098] S1504. Invoke the target application and display the application interface in the target application according to the link string. The application interface is used to apply for the second physical information carrier.

[0099] In the specific implementation, the target application is invoked based on the Intent / Action mechanism. Based on the link string, the application interface is displayed in the target application. This includes: if the target application is an application client or a portable application, the link string is placed in the target application's startup context; when the target application starts based on the startup context, the application interface is displayed in the target application based on the link string; if the target application is a browser, the application interface is displayed in the browser based on the link string.

[0100] Optionally, before displaying the invitation information on the application interface, the terminal device sends a data acquisition request to the server. The data acquisition request includes the object identifier of the first object. The data acquisition request is used to request the object information of the first object based on the object identifier of the first object, and to generate invitation information based on the object information of the first object.

[0101] Optionally, embodiments of this application provide risk verification to control the security of the physical information carrier application process. Specifically, the device fingerprint of the terminal device where the target application resides and the environmental information of the terminal device can be obtained through the invoked target application. An encrypted object identifier of the first object is obtained from the near-field communication message of the first physical information carrier. This encrypted object identifier is obtained by encrypting the object identifier of the first object. An environment verification request is generated based on the device fingerprint, environmental information, and encrypted object identifier. An environment verification request is sent to the server, requesting the server to verify the device fingerprint, environmental information, and encrypted object identifier. The environment verification request is also sent to the server, requesting the server to perform risk verification on the device fingerprint and environmental information. After the risk verification is passed, the object information of the first object is returned based on the object identifier obtained by decrypting the encrypted object identifier. The object information of the first object returned by the server is received, and an invitation message is generated based on the object information of the first object.

[0102] Obtaining the device fingerprint of the terminal device may include: the hardware characteristics and / or network characteristics (such as network address) of the terminal device, performing hash calculation on the hardware characteristics and / or network characteristics to obtain the device fingerprint of the terminal device, such as IMEI (International Mobile Equipment Identity), IDFA (Identifier for Advertising), etc.; obtaining the environmental information of the terminal device may include: locating the location information of the terminal device through GPS (Global Positioning System).

[0103] The server's verification of device fingerprints, environmental information, and encrypted object identifiers may include: obtaining a whitelist of recommended eligibility; if the object identifier of the first object is in the whitelist, the physical information carrier recommended eligibility verification for the first object passes; if the object identifier of the first object is not in the whitelist, the physical information carrier recommended eligibility verification for the first object fails. The server verifies whether the device fingerprint and environmental information are already associated and stored on the server; if they are, the verification fails; if they are not, the verification passes. When the physical information carrier recommended eligibility verification for the first object passes, and the device fingerprint and environmental information verification also passes, the verification of the device fingerprint, environmental information, and encrypted object identifier is considered successful.

[0104] Optionally, the terminal device can send a session initialization request (InitSession) to the server. In response, the server generates a session identifier and session credentials and returns them to the terminal device. Subsequent communication between the terminal device and the server requires the terminal device to carry the session identifier and session credentials to ensure communication security. Optionally, the session credentials may have a short validity period, such as 5 minutes, 10 minutes, etc.

[0105] Optionally, the object identifier can be the carrier identifier of the first physical information carrier. See also... Figure 17 This is a schematic diagram illustrating a recommendation relationship binding and application triggering provided in an embodiment of this application. Figure 17 In this process, the server can obtain the carrier identifier (UID) of the first physical information carrier, parse the carrier identifier (i.e., UID parsing), and establish a binding relationship between the carrier identifier and the first object (i.e., the recommender) based on the parsing result. Parsing the carrier identifier may include: parsing the carrier identifier (e.g., ... Figure 17 The UID (A1B2C3D4) in the data is validated. If the validation of the carrier identifier passes, the carrier identifier can be bound to the first object (e.g., the UID can be bound to the first object). (Three-step binding) Here, binding the carrier identifier to the first object can mean directly using the carrier identifier as the object identifier of the first object. This way, when the object identifier is used as a recommendation parameter, the carrier identifier is directly used as the recommendation parameter. Utilizing the immutable hardware unique identifier (UID) of the first physical information carrier replaces the instability of traditional URL cookies, solving the technical problem of lost promotion attribution. Furthermore, by validating the carrier identifier, the application process can be prevented from being triggered by invalid first physical information carriers.

[0106] Optionally, the terminal device obtains the exclusive rights information of the second physical information carrier from the server, specifically, such as... Figure 17 As shown, the terminal device sends a rights acquisition request to the server. The server responds to the rights acquisition request, obtains the exclusive rights information of the second physical information carrier according to the dynamic rights loading strategy, and returns it to the terminal device. The dynamic rights loading here includes an influencing factor, and the exclusive rights information of the second physical information carrier is determined based on this influencing factor.

[0107] S1505. In response to the application trigger operation received in the application interface, display the application information, which includes the object information of the second object of the second physical information carrier.

[0108] In one implementation, in response to an application trigger operation received on the application interface, an application form is output. The authorization information of the second object is obtained and populated into the application form using a token-exchange-based silent data population method. Finally, the application form with the filled authorization information is displayed as application information. Specifically, based on the authorization operation of the second object, an authorization request containing the login account of the second object on the terminal device can be sent to the authorization center. The login account can specifically be the login account of the second object in the target application. This authorization request is used to request the authorization center to return the corresponding authorization credential based on the login account. The authorization credential (Access_token) can be a temporary authorization code, which can be used to identify the second object's authorization to obtain data.

[0109] After receiving the authorization credentials from the authorization center, the terminal device sends a data retrieval request to the server based on the authorization credentials. The data retrieval request includes the authorization credentials, the session identifier used during the session between the terminal device and the server, and the session credentials. The data retrieval request requests the server to retrieve the authorization information of the second object based on the authorization credentials after verifying the session identifier and session credentials. Specifically, after verifying the session identifier and session credentials, the server can call a third-party API interface to retrieve the authorization information of the second object from the corresponding data source based on the authorization credentials and return the authorization information to the terminal device. The terminal device receives the authorization information returned by the server and fills the application form with the authorization information.

[0110] In another implementation, please refer to Figure 17 When application option 1701 is clicked, the server can generate an authorization prompt message and return it to the terminal device. The terminal device can display the authorization prompt message and, upon receiving an authorization operation initiated by the second object through the authorization prompt message, fill the application form with the retrieved authorization information.

[0111] S1506. In response to the confirmation operation of the application information, display the application result.

[0112] In specific implementation, in response to the confirmation operation of the application information, an application submission request is sent to the server. The application submission request includes the session identifier when the terminal device and the server are communicating, and the signature information of the second object. The application submission request is used to request the server, after verifying the signature information and session identifier, to assemble a physical information carrier application message based on the object information of the second object and the application template, and to establish a binding relationship between the object identifier of the first object and the physical information carrier application message. This binding relationship can be understood as a recommendation relationship, indicating that the second object will initiate an application for the second physical information carrier under the recommendation of the first object. The physical information carrier application message is used to trigger the card issuing institution to process the second physical information carrier. The application result returned by the server in response to the application submission request is received and displayed. Among them, the binding relationship is used to allocate recommendation incentive information to the first object. This binding relationship can solve the problems of easy loss of promotion attribution and unreliable incentive mechanism.

[0113] Optionally, the application submission information may also include the object identifier of the first object, so that the server can establish a binding relationship between the object identifier of the first object and the application message of the physical information carrier.

[0114] In this embodiment, when a first physical information carrier is sensed by near-field sensing, a near-field communication message of the first physical information carrier is obtained. The near-field communication message includes link information of the application interface. Routing mapping is performed based on the link information to obtain the target application corresponding to the application interface. The object identifier of the first object is obtained from the near-field communication message and added to the domain name link query string included in the link information to obtain a link string. The target application is invoked, and the application interface is displayed in the target application according to the link string. The application information includes object information of the application object of the second physical information carrier. In response to the confirmation operation of the application information, the application result is displayed. Near-field sensing can be used to read link information from the first physical information carrier, and then the link information can be used to display the application interface for applying for the second physical information carrier in the specified target application, eliminating the need for the object to open a scanning tool to scan a code. This improves the application efficiency of the physical information carrier. Furthermore, adding the object identifier to the link information binds the first object to the application interface, improving the reliability of the recommendation attribution for applying for the second physical information carrier through this binding relationship.

[0115] Please see Figure 18 This is a schematic diagram of an information processing flow provided in an embodiment of this application. This information processing flow can be jointly executed by the device side (where the terminal device is located) and the server side (where the server is located). In this embodiment, taking near-field sensing (NFC) as an example, the information processing flow may include the following steps: S1801. The terminal device performs NFC tag monitoring. Specifically, the terminal device calls the NFC service to continuously perform near-field sensing. When the terminal device detects the first physical information carrier of the first object in the near-field sensing, step S1802 is executed.

[0116] S1802, The terminal device calls the NFC service to read the near-field communication message of the first physical information carrier, and parses the records included in the near-field communication message to obtain the link information of the application interface.

[0117] In one implementation, the near-field communication message includes link payload information, which includes a first record and a second record. The first record is parsed to obtain the link information in the application interface.

[0118] S1803. The terminal device identifies the link protocol header in the link information.

[0119] Specifically, if the identified link protocol header is a browser's protocol header, then step S1804 is executed; if the identified link protocol header is an application client's protocol header, then step S1805 is executed.

[0120] S1804. If the identified link protocol header is a browser protocol header, then the target application corresponding to the application interface is determined to be a browser.

[0121] S1805. If the identified link protocol header is the protocol header of the application client, then the target application corresponding to the application interface is determined to be the application client.

[0122] S1806. The terminal device reads the object identifier of the first object from the near-field communication message.

[0123] Specifically, the object identifier of the first object is read from the second record included in the URI Payload.

[0124] S1807. The terminal device temporarily stores the object identifier of the first object in the terminal device, or adds the object identifier of the first object to the domain name link query string included in the link information.

[0125] S1808. The terminal device can either invoke the application client and display the application interface in the application client, or invoke the browser and display the application interface in the browser.

[0126] In one implementation, the object identifier of the first object is added to the query string obtained by including the domain name link query string in the link information and then passed to the application client or browser. This establishes a binding relationship between the application interface and the first object, indicating that the application interface is invoked through the first physical information carrier of the first object. Of course, the binding relationship between the application interface and the first object can also be established directly when the object identifier of the first object is temporarily stored on the terminal device.

[0127] S1809. The terminal device responds to the application trigger operation received in the application interface and obtains the authorization credential (Access Token) of the second object.

[0128] S1810. The terminal device sends a data retrieval request to the server based on the authorization credential. The data retrieval request can be represented as "getUserprofile(Access Token)".

[0129] S1811. After receiving a data retrieval request, the server can obtain the authorization information of the second object corresponding to the authorization credential from different data sources through the data gateway.

[0130] In one implementation, the original authorization information of the second object corresponding to the authorization credential is obtained from different data sources through a data gateway, and the original authorization information is anonymized to obtain the authorization information of the second object. Different data sources include, but are not limited to, credit reporting centers, social media platforms, etc.

[0131] S1812, The server returns the authorization information of the second object to the terminal device.

[0132] S1813. The terminal device fills the authorization information into the application form and displays the application form containing the authorization information as application information.

[0133] Specifically, terminal devices can use Document Object Model (DOM) operations to populate the authorization information into the application form.

[0134] S1814, Awaiting submission.

[0135] Specifically, in response to the confirmation operation of the application information, the terminal device displays the application result. The terminal device, in response to the confirmation operation, can send an application submission request to the server. The server, in response to the application submission request, assembles a physical information carrier application message (i.e., application form) based on the object information of the second object and the application template, binds the application form to the object identifier of the first object, writes it into the database, and sends the physical information carrier application message to the processing agency handling the second physical information carrier, completing the processing of the second physical information carrier. By binding the application form to the object identifier of the first object, an atomic binding between the recommendation relationship and the application form is achieved, facilitating the allocation of recommendation incentive information to the first object.

[0136] Please see Figure 19 This is a schematic diagram of another information processing flow provided in an embodiment of this application. This information processing flow can be executed by an information processing system, which includes a first physical information carrier (such as...). Figure 19 The system comprises a physical card, an NFC service, a target application, a service backend corresponding to the target application, an authentication center, and a third-party data source. The NFC service and the target application can reside on the terminal device, while the service backend, authentication center, and data source reside on the server. In this embodiment, taking NFC as an example, the holder of the first physical information carrier is the first object. The first object recommends the physical information carrier to a second object, and the second object becomes the applicant for the second physical information carrier. This information processing flow may include the following steps: S1901. When a physical card is detected in the near field, the NFC service obtains near field communication messages from the physical card.

[0137] For example, a near-field communication (NFC) message may include { URI: "bank: / / apply?p=EncryptedData"}. The NFC service parses the NFC message and extracts the link information "bank: / / apply?" from the application interface.

[0138] S1902: The NFC service parses near-field communication messages, extracts link information from the application interface, and performs routing mapping to the target application based on the link information.

[0139] After extracting the link information from the application interface, a system-level VIEW INtent can be triggered. A system-level VIEW INtent refers to viewing / displaying / opening the content corresponding to a given URI based on the link information. In this embodiment, the target application is determined by performing route mapping based on the link information using a system-level VIEW INtent.

[0140] S1903, NFC service sends link data to the target application.

[0141] The link data includes a link string. Specifically, the NFC service can obtain the object identifier of the first object from the near-field communication message and add the object identifier to the domain name link query string included in the link information to obtain the link string.

[0142] S1904. The target application sends an environment verification request to the service backend.

[0143] The environment verification request may include the encrypted object identifier of the first object, the device fingerprint, and environmental information (such as location information). This environment verification request can be represented as: CheckEnvironment( p=EncryptedData,DeviceInfo, Location ); where p=EncryptedData represents the encrypted object identifier of the first object, DeviceInfo represents the device fingerprint, and Location represents the environmental information.

[0144] S1905. After receiving the environment verification request, the service backend decrypts the encrypted object identifier in the environment verification request to obtain the object identifier of the first object, and performs recommendation qualification verification on the first object based on the object identifier of the first object.

[0145] Specifically, the service backend executes the decryption algorithm Decrypt(p) to obtain the object identifier of the first object.

[0146] S1906. The service backend performs risk verification on the device fingerprint and environmental information in the environment verification request according to the risk control rules.

[0147] Specifically, the risk rule defines that a physical information carrier application can only be made if the terminal device is used for the first time and is within the target environment information. The service backend can determine whether it is a first-time physical information carrier application based on the device fingerprint and environment information. If so (e.g., the device fingerprint is not recorded in the service backend and the environment information is the target environment information, it can be determined that it is a first-time physical information carrier application), then the risk verification of the device fingerprint and environment information is deemed successful; otherwise, the application is deemed unsuccessful. In one implementation, the service backend executes the risk control rule RuleEngine(Location, DeviceInfo), where RuleEngine represents the risk control engine performing risk verification of the device fingerprint and environment information according to the risk rule.

[0148] S1907. After successful verification, the service backend returns the session identifier, session credentials, and object information of the first object to the target application client.

[0149] It should be understood that both steps S1905 and S1906 must pass verification before the session identifier, session credentials, and object information of the first object (such as Zhang) can be returned to the target application client. three).

[0150] S1908, The target application displays the application interface.

[0151] The target application generates invitation information based on the object information of the first object and displays an application interface, which includes the invitation information, based on the query. The application interface is used to apply for the second physical information carrier. Optionally, the service backend can return an application interface rendering template to the target application client, and the target application displays the application interface based on the template.

[0152] S1909. In response to the application trigger operation received on the application interface, the target application sends an authorization request to the authorization center, the authorization request including the login account of the second object on the terminal device.

[0153] The authorization request can be represented as GetAuthCode() or GetAuthToken().

[0154] S1910, The authorization center returns authorization credentials for the login account to the target application.

[0155] The authorization credential can be represented as an Access Token or an AuthCode.

[0156] S1911. The target application sends a data retrieval request to the service backend. The data retrieval request includes authorization credentials, a session identifier used when the terminal device and the service backend conduct a session, and session credentials.

[0157] The data retrieval request is represented as PreFillRequest(SessionID, Sessiontoken, AuthCode). SessionID is the session identifier, Sessiontoken is the session credential, and AuthCode is the authorization credential.

[0158] S1912. The service backend sends an information verification request to the authorization center. The information verification request includes the authorization credential and the key of the target application.

[0159] S1913. The authorization center verifies the authorization credential and key in the information verification request and obtains the verification result.

[0160] Specifically, the authorization center maintains a list of authorization credentials and a list of keys. The authorization credential list contains multiple authorization credentials, each corresponding to a login account. The key list contains multiple keys, each corresponding to an application. The authorization center can determine whether the authorization credential in the information verification request is in the authorization credential list and whether the key (AppSecret) in the information verification request is in the key list. If both the authorization credential and key in the information verification request are in the authorization credential list and the key list, the verification result is "verification passed"; otherwise, the verification result is "verification failed".

[0161] S1914. The authorization center returns the verification result to the service backend.

[0162] If the verification result indicates that the key verification of the authorization credential in the information verification request failed, a prompt message is output to indicate that the authorization credential and key are at risk. If the verification result indicates that the key verification of the authorization credential in the information verification request passed, then step S1915 is executed.

[0163] It should be understood that both the authorization center and the service backend are server-side components; therefore, the information exchange between the authorization center and the backend service is server-to-server.

[0164] S1915. If the verification result indicates that the key verification of the authorization credential in the information verification request is successful, the service backend obtains the original authorization information of the second object from the data source.

[0165] The service backend can send an authorization information retrieval request (UserInfo(name, ID, address)) to the data source. The authorization information retrieval request is used to request the original authorization information of the second object, such as the name (name), object identifier (ID), and address information (address) of the second object.

[0166] S1916. The data source returns the original authorization information to the service backend.

[0167] The data source can return structured original authorization information to the service backend. This structured original authorization information can be returned in JSON format. For example, the structured original authorization information can be represented as UserInfo JSON{RealName, ID, Mobile, Address}, where Mobile represents the communication number.

[0168] S1917. The service backend performs anonymization processing on the original authorization information to obtain the authorization information of the second object.

[0169] In one implementation, the original authorization information can be masked to obtain the masked data of the second object, which is the authorization information of the second object.

[0170] It should be understood that the original authorization data can be stored in a database (such as Redis). In some alternative embodiments, an expiration period (i.e., TTL, Time To Live) can be set for the original authorization data. When the storage time of the original authorization data exceeds the expiration period, the original authorization data is deleted from the database to avoid consuming resources.

[0171] S1918, The service backend returns the authorization information of the second object to the target application.

[0172] S1919. The target application fills the authorization information into the application form and displays the application form containing the authorization information as the application information.

[0173] S1920. In response to the confirmation operation of the application information, the target application sends an application submission request to the service backend. The application submission request includes the signature information of the second object, the session identifier, and the session credentials.

[0174] For example, a request to submit an application can be represented as ConfirmSubmit(SessionID, SessionToken, UserSignature). UserSignature represents the signature information.

[0175] S1921. Based on the application submission request, the service backend verifies the signature information of the second object. After successful verification, it obtains the original authorization information of the second object and assembles it into a physical information carrier application message according to the object information of the second object and the application template. The message is written into the database and triggers the card issuing microservice or the card issuing agency.

[0176] In summary, this application embodiment, by introducing NFC near-field communication technology and a system-level data authorization mechanism, reconstructs the traditional credit card application and promotion process. Specifically, this application embodiment transforms the complex form-filling process into a simplified three-step operation: "one touch (near-field sensing triggers the application process) -> one point (i.e., authorization is triggered by applying on the application interface) -> one look (verifying application information)," achieving a "second-level" card application experience. Compared with existing technologies, this application has produced significant beneficial effects in terms of user experience, data quality, business conversion rate, and security. Specifically, the beneficial effects of this application embodiment can include: I. Significantly shorten the operational chain and improve business conversion rate (efficiency improvement) This application embodiment utilizes near-field sensing to achieve "one-touch access," replacing the process of "opening the App - finding the scanning entry - focusing and scanning." Simultaneously, it can automatically fill in authorization information obtained from the data source using API, replacing the previous process of "taking a photo of the document - OCR recognition - manual verification." The entire physical information carrier application process is significantly reduced, compressing the original complex 8-10 steps into 3 steps (touch -> authorize -> submit). Furthermore, the average time for completing the entire application process is drastically reduced from 3-5 minutes to less than 1 minute, significantly lowering time costs, solving the problem of cumbersome operations, achieving "second-level" startup, and improving the application efficiency of physical information carriers. At the same time, the extremely simplified interaction logic reduces user churn due to "fear of trouble" or "operation interruption," lowering the churn rate. The original 3-5 minute form-filling process is compressed to less than 1 minute, greatly lowering the user's operational threshold and significantly improving the card application completion rate. According to gray-scale test data, the information processing flow of this application embodiment increases the physical information carrier application completion rate by approximately 40%. II. Eliminate data entry errors at the source to ensure the quality of incoming parts (quality improvement) In this embodiment, authorized data (i.e., authorized data) is directly obtained from the data source (operator / authoritative database) based on authorization credentials. This effectively solves common problems in OCR technology, such as the inability to recognize rare characters, misidentification of the identity identifier "X", and incomplete address information, thus significantly improving the pass rate of risk control review during the processing of physical information carriers. Furthermore, since the data source comes directly from an authoritative real-name database, the authenticity and consistency of the information are guaranteed, increasing the first-time pass rate of risk control review by the processing agency by more than 25%. This significantly reduces the cost of manual review due to information errors and decreases the return rate due to information errors.

[0177] III. Hardware-level attribution and locking to resolve promotion and settlement disputes (management optimization) In this embodiment, the immutable hardware unique identifier (UID) in the NFC chip is used as the object identifier of the first object. This object identifier serves as a promotion parameter, replacing the easily lost URL cookie / Session. By establishing a hardware-level trust relationship, regardless of how many app jumps or network switches a user experiences during the application process, the recommendation relationship between the first object and the second object's second physical information carrier remains anchored to the physical information carrier (such as a physical card). The attribution accuracy reaches 99.9% (excluding a very small number of hardware failures), improving attribution reliability. Simultaneously, accurate attribution ensures the accurate distribution of recommendation incentive information, effectively guaranteeing the effectiveness of the incentive and significantly increasing the enthusiasm of existing users to participate in the "referral" activity.

[0178] IV. Address entrance security and user experience issues to enhance social interaction. In this embodiment, a recommendation can only be initiated by possessing a physical information carrier, and physical contact is difficult to forge remotely, thus improving the security of the physical information carrier access point. At the same time, the interaction between the physical information carrier and the terminal device has a strong sense of technology and gamification (similar to "adding friends"), making it easier for more groups to accept and solving the problem of the boring and awkward nature of traditional physical information carrier recommendations.

[0179] To visually demonstrate the technical advantages of the information processing method provided in this application, 100 test users (covering different age groups) were selected in a controlled environment to conduct credit card (i.e., physical information carrier) application tests using both the "existing QR code + OCR solution" and the "NFC solution of this application." The statistical results are shown in Table 1. Table 1: Comparison of the effects of existing technology and the technical solution of this application

[0180] In summary, this application, through hardware (i.e., physical information carrier) interaction innovation and data flow reconstruction, not only solves the pain points of cumbersome physical information carrier application operations, low recognition rate, and difficulty in attribution in the prior art, but also achieves a qualitative leap in efficiency, accuracy, and security, and has extremely high commercial recommendation value and user experience advantages.

[0181] The information processing apparatus and computer equipment provided in the embodiments of this application will be described next.

[0182] Please see Figure 20 , Figure 20 This is a schematic diagram of the structure of an information processing device provided in an embodiment of this application. The information processing device can be a computer program (including program code) in a terminal device; for example, the information processing device can be application software in the terminal device. The information processing device can be used to execute... Figure 3 or Figure 15 Some or all of the steps in the method embodiments shown. Please refer to [link / reference]. Figure 20 The information processing device includes the following units: The interface display unit 2001 is used to display the application interface when the first physical information carrier is sensed in the near field. The application interface is used to apply for the second physical information carrier. The information display unit 2002 is used to respond to the application trigger operation received in the application interface and display application information, which includes object information of the application object of the second physical information carrier; The result display unit 2003 is used to display the application result in response to the confirmation operation of the application information.

[0183] Specifically, when the interface display unit 2001 detects the first physical information carrier in the near field and displays the application interface, it can be used for: When the first physical information carrier is placed in the near-field sensing area of ​​the terminal device, a notification message is output, which contains the link information of the application interface. The application interface is displayed in response to the link information in the notification message being triggered. The notification message can be output in at least one of the following ways: as a banner in the status bar of the terminal device, as a fixed area of ​​the terminal device, as a floating window of the terminal device, as a floating panel in the terminal device, or as a card in the terminal device. The first physical information carrier includes any of the following: physical credit card, physical bank card, physical access card, physical transportation card, financial integrated circuit card, and financial universal serial bus disk; the application interface includes the interface of the target application, and the interface of the target application includes any of the following: the interactive interface of the application client, the interactive interface of the installation-free application, and the interactive webpage in the browser.

[0184] Specifically, when the interface display unit 2001 is triggered in response to the link information in the notification message and displays the application interface, it can be used for: In response to the link information in the notification message being triggered, a list of types is displayed. The list of types contains at least one type identifier, and each type identifier is used to identify a carrier type. The carrier type includes at least one of the following: financial transaction savings type, financial transaction credit type, identity recognition type, and travel transportation type. Receive a selection operation for a target type identifier among at least one type identifier, the target type identifier being used to identify the target carrier type; The application interface is displayed, and the carrier type of the second physical information carrier applied for through the application interface is the target carrier type; In this case, the carrier type of the second physical information carrier is the same as that of the first physical information carrier; or, the type of the second physical information carrier is different from that of the first physical information carrier.

[0185] Wherein, the holder of the first physical information carrier is the first object, and the applicant of the second physical information carrier is the second object; the information display unit 2002 is also used for: The application interface displays invitation information, which is used to prompt the first party to invite the second party to apply for the application regarding the physical information carrier. The invitation information includes the object information of the first object, which includes basic object information and / or object behavior information. The basic object information includes at least one of the following: object identifier, object attributes, object credit rating, and object social relationships. The object behavior information includes at least one of the following: the recommendation method used by the first object when issuing the invitation, the number of times the first object issued the invitation, the number of times the physical information carrier applied for the application under the invitation of the first object, the number of times the physical information carrier successfully applied for the application under the invitation of the first object, and the evaluation information of the application under the invitation of the first object.

[0186] Wherein, the holder of the first physical information carrier is the first object, and the applicant of the second physical information carrier is the second object; the information display unit 2002 is also used for: The application interface displays the exclusive rights and interests information of the second physical information carrier; Among them, the exclusive rights information of the second physical information carrier is determined based on the influence factor, which includes at least one of the following: the object information of the first object and the object information of the second object; Exclusive rights information includes at least one of the following: incentive information when applying for a second physical information carrier, usage scenario information of the second physical information carrier, and usage rights of the second physical information carrier.

[0187] The application object of the second physical information carrier is the second object; when the information display unit 2002 displays the application information in response to the application trigger operation received in the application interface, it can be specifically used for: In response to the application trigger operation received in the application interface, output the application form; Based on the received input operations for each field in the application form, the application form containing the input information is displayed as application information; or, Based on the authorization operation of the second object, the authorization information is retrieved and populated into the application form, and the application form with the authorization information is displayed as the application information. The application triggering operation includes any of the following: selecting the application entry in the application interface, performing a floating gesture operation in the application interface, performing a voice input operation in the application interface, or performing a sliding operation in the application interface according to a preset direction.

[0188] Specifically, when displaying the application result in response to the confirmation operation of the application information, the result display unit 2003 can be used for: In response to the confirmation operation of the application information, a submission prompt message is displayed, which indicates that an application for a second physical information carrier is being submitted. When the submission progress of the application for the second physical information carrier meets the submission progress conditions, the application result is displayed; The submission prompt information includes: at least one submission process step for submitting the application for the second physical information carrier, and at least one submission process step is dynamically displayed; the application result is used to indicate whether the application for the second physical information carrier was submitted successfully or failed. If the application for the second physical information carrier is successfully submitted, the application result will include at least one of the following: a successful submission notification message, the application review time for the second physical information carrier, and the notification method for the processing result of the application for the second physical information carrier; If the application for the second physical information carrier fails to be submitted, the application result includes at least one type of information: a submission failure message and a reason for submission failure.

[0189] Among them, the holder of the first physical information carrier is the first object, and the applicant of the second physical information carrier is the second object; the application result includes whether the application for the second physical information carrier is successfully submitted or the application for the second physical information carrier fails to be submitted. In response to the confirmation operation of the application information, after displaying the application result, the result display unit 2003 is also used for: If the application result includes successful submission of the application for the second physical information carrier, then in response to the application progress query operation, the application processing progress of the second physical information carrier will be displayed; When the application processing progress reaches the preset progress threshold, the application processing result is output; the application processing result indicates that the application for the second physical information carrier was successful or failed.

[0190] Specifically, when the information display unit 2002 retrieves authorization information and fills it into the application form based on the authorization operation of the second object, and displays the application form filled with authorization information as application information, it can be used for: Output an authorization prompt message, which is used to prompt for the authorization information of the second object; When an authorization operation is received from a second object via an authorization prompt message, an information loading animation is displayed; When the authorization information for the second object is retrieved, the information loading animation ends; and, Fill the retrieved authorization information into the application form, and then display the application form with the authorization information as the application information.

[0191] Wherein, the holder of the first physical information carrier is the first object; when the interface display unit 2001 detects the first physical information carrier in the near field, it displays the application interface, which can be specifically used for: When the first physical information carrier is detected in the near field, the near field communication message of the first physical information carrier is obtained. The near field communication message includes the link information of the application interface. Based on the link information, a route mapping is performed to obtain the target application corresponding to the application interface; Obtain the object identifier of the first object from the near-field communication message, and add the object identifier to the domain name link query string included in the link information to obtain the link string; Launch the target application and display the application interface within the target application based on the link string.

[0192] Specifically, when the interface display unit 2001 performs route mapping based on link information to obtain the target application corresponding to the application interface, it can be used for: In the application package manager, find the application corresponding to the link information among the multiple applications managed by the application package manager; If the application corresponding to the link information is found in the application package manager and the application corresponding to the link information is already installed, then the application corresponding to the link information will be identified as the target application for the application interface; the application corresponding to the link information is an application client or an application that does not require installation. If the application corresponding to the link information is not found in the application package manager, or if the application corresponding to the found link information is not installed, then the browser will be selected as the target application.

[0193] The application interface includes the interface of the target application. When the interface display unit 2001 displays the application interface in the target application according to the link string, it can be specifically used for: If the target application is an application client or a portable application, the link string is placed in the target application's startup context. When the target application starts based on the startup context, the application interface is displayed in the target application according to the link string. If the target application is a browser, the application interface is displayed in the browser based on the link string.

[0194] The first physical information carrier belongs to the first object; the information display unit 2002 is also used for: By activating the target application, obtain the device fingerprint of the terminal device where the target application is located and the environmental information of the terminal device. The encrypted object identifier of the first object is obtained from the near-field communication message of the first physical information carrier. The encrypted object identifier is obtained by encrypting the object identifier of the first object. An environment verification request is generated based on the device fingerprint, environmental information, and encrypted object identifier; Send an environment verification request to the server. The environment verification request is used to request the server to perform risk verification on the device fingerprint and environment information. After the risk verification is passed, return the object information of the first object based on the object identifier obtained by decrypting the encrypted object identifier. Receive object information for the first object returned by the server.

[0195] Specifically, when the information display unit 2002 retrieves authorization information and fills it into the application form based on the authorization operation of the second object, it can be used for: Based on the authorization operation of the second object, an authorization request containing the login account of the second object in the terminal device is sent to the authorization center. The authorization request is used to request the authorization center to return the corresponding authorization credentials based on the login account. The data retrieval request is sent to the server based on the authorization credentials. The data retrieval request includes the authorization credentials, the session identifier when the terminal device and the server conduct a session, and the session credentials. The data retrieval request is used to request the server to retrieve the authorization information of the second object based on the authorization credentials after the session identifier and session credentials have been verified. Receive the authorization information returned by the server and fill the authorization information into the application form.

[0196] Wherein, the holder of the first physical information carrier is the first object, and the applicant of the second physical information carrier is the second object; when the result display unit 2003 displays the application result in response to the confirmation operation of the application information, it can be specifically used for: In response to the confirmation operation of the application information, an application submission request is sent to the server. The application submission request includes the session identifier when the terminal device and the server are in a session, and the signature information of the second object. The application submission request is used to request the server to assemble a physical information carrier application message according to the object information of the second object and the application template after the signature information and session identifier are verified, and to establish a binding relationship between the object identifier of the first object and the physical information carrier application message. The physical information carrier application message is used to trigger the card issuing institution to process the second physical information carrier. The binding relationship is used to allocate recommendation incentive information to the first object. Receive the application result returned by the server in response to the application submission request, and display the application result.

[0197] In this embodiment, when the first physical information carrier is sensed in the near field, an application interface is displayed. This application interface is used to apply for a second physical information carrier. By utilizing near field sensing, the application interface for applying for the second physical information carrier can be directly invoked through the first physical information carrier, similar to a "tap-to-tap" action directly triggering the application process, eliminating the need for the object to open a barcode scanner and thus improving the efficiency of the physical information carrier application. In response to the application trigger operation received in the application interface, application information is displayed, including the object information of the applicant for the second physical information carrier. In response to the confirmation operation of the application information, the application result is displayed. By triggering the application through the application interface, application information can be directly displayed, and the object can submit the application for the second physical information carrier by confirming the application information. The entire physical information carrier application process is simplified, significantly improving the efficiency of the physical information carrier application.

[0198] Furthermore, this application also provides a schematic diagram of the structure of a terminal device, which can be found in the following embodiments: Figure 21 The terminal device is equipped with near-field communication hardware and runs a client application. The terminal device may include a processor 2101, an input device 2102, an output device 2103, and a memory 2104. The processor 2101, input device 2102, output device 2103, and memory 2104 are connected via a bus. The memory 2104 stores computer programs, including program instructions, and the processor 2101 executes the program instructions stored in the memory 2104.

[0199] In this embodiment of the application, the processor 2101 performs the following operations by running program instructions in the memory 2104: When the first physical information carrier is detected in the near field, the application interface is displayed. The application interface is used to apply for the second physical information carrier. In response to the application trigger operation received in the application interface, the application information is displayed, which includes the object information of the application object of the second physical information carrier; In response to the confirmation of the application information, the application result is displayed.

[0200] When the processor 2101 detects the first physical information carrier in the near field and displays the application interface, it can specifically perform the following operations: When the first physical information carrier is placed in the near-field sensing area of ​​the terminal device, a notification message is output, which contains the link information of the application interface. The application interface is displayed in response to the link information in the notification message being triggered. The notification message can be output in at least one of the following ways: as a banner in the status bar of the terminal device, as a fixed area of ​​the terminal device, as a floating window of the terminal device, as a floating panel in the terminal device, or as a card in the terminal device. The first physical information carrier includes any of the following: physical credit card, physical bank card, physical access card, physical transportation card, financial integrated circuit card, and financial universal serial bus disk; the application interface includes the interface of the target application, and the interface of the target application includes any of the following: the interactive interface of the application client, the interactive interface of the installation-free application, and the interactive webpage in the browser.

[0201] When the link information in the notification message is triggered and the application interface is displayed, the processor 2101 can specifically perform the following operations: In response to the link information in the notification message being triggered, a list of types is displayed. The list of types contains at least one type identifier, and each type identifier is used to identify a carrier type. The carrier type includes at least one of the following: financial transaction savings type, financial transaction credit type, identity recognition type, and travel transportation type. Receive a selection operation for a target type identifier among at least one type identifier, the target type identifier being used to identify the target carrier type; The application interface is displayed, and the carrier type of the second physical information carrier applied for through the application interface is the target carrier type; In this case, the carrier type of the second physical information carrier is the same as that of the first physical information carrier; or, the type of the second physical information carrier is different from that of the first physical information carrier.

[0202] Wherein, the holder of the first physical information carrier is the first object, and the applicant of the second physical information carrier is the second object; the processor 2101 can also be used to perform the following operations: The application interface displays invitation information, which is used to prompt the first party to invite the second party to apply for the application regarding the physical information carrier. The invitation information includes the object information of the first object, which includes basic object information and / or object behavior information. The basic object information includes at least one of the following: object identifier, object attributes, object credit rating, and object social relationships. The object behavior information includes at least one of the following: the recommendation method used by the first object when issuing the invitation, the number of times the first object issued the invitation, the number of times the physical information carrier applied for the application under the invitation of the first object, the number of times the physical information carrier successfully applied for the application under the invitation of the first object, and the evaluation information of the application under the invitation of the first object.

[0203] Wherein, the holder of the first physical information carrier is the first object, and the applicant of the second physical information carrier is the second object; the processor 2101 can also perform the following operations: The application interface displays the exclusive rights and interests information of the second physical information carrier; Among them, the exclusive rights information of the second physical information carrier is determined based on the influence factor, which includes at least one of the following: the object information of the first object and the object information of the second object; Exclusive rights information includes at least one of the following: incentive information when applying for a second physical information carrier, usage scenario information of the second physical information carrier, and usage rights of the second physical information carrier.

[0204] The application object of the second physical information carrier is the second object; when the processor 2101 displays the application information in response to the application trigger operation received in the application interface, it can specifically perform the following operations: In response to the application trigger operation received in the application interface, output the application form; Based on the received input operations for each field in the application form, the application form containing the input information is displayed as application information; or, Based on the authorization operation of the second object, the authorization information is retrieved and populated into the application form, and the application form with the authorization information is displayed as the application information. The application triggering operation includes any of the following: selecting the application entry in the application interface, performing a floating gesture operation in the application interface, performing a voice input operation in the application interface, or performing a sliding operation in the application interface according to a preset direction.

[0205] When responding to the confirmation operation of the application information and displaying the application result, the processor 2101 may specifically perform the following operations: In response to the confirmation operation of the application information, a submission prompt message is displayed, which indicates that an application for a second physical information carrier is being submitted. When the submission progress of the application for the second physical information carrier meets the submission progress conditions, the application result is displayed; The submission prompt information includes: at least one submission process step for submitting the application for the second physical information carrier, and at least one submission process step is dynamically displayed; the application result is used to indicate whether the application for the second physical information carrier was submitted successfully or failed. If the application for the second physical information carrier is successfully submitted, the application result will include at least one of the following: a successful submission notification message, the application review time for the second physical information carrier, and the notification method for the processing result of the application for the second physical information carrier; If the application for the second physical information carrier fails to be submitted, the application result includes at least one type of information: a submission failure message and a reason for submission failure.

[0206] Among them, the holder of the first physical information carrier is the first object, and the applicant of the second physical information carrier is the second object; the application result includes whether the application for the second physical information carrier is successfully submitted or the application for the second physical information carrier fails to be submitted. After displaying the application result in response to the confirmation operation of the application information, the processor 2101 may also perform the following operations: If the application result includes successful submission of the application for the second physical information carrier, then in response to the application progress query operation, the application processing progress of the second physical information carrier will be displayed; When the application processing progress reaches the preset progress threshold, the application processing result is output; the application processing result indicates that the application for the second physical information carrier was successful or failed.

[0207] Specifically, when the processor 2101 performs an authorization operation based on the second object, retrieves authorization information and fills it into the application form, and displays the application form filled with authorization information as application information, it can perform the following operations: Output an authorization prompt message, which is used to prompt for the authorization information of the second object; When an authorization operation is received from a second object via an authorization prompt message, an information loading animation is displayed; When the authorization information for the second object is retrieved, the information loading animation ends; and, Fill the retrieved authorization information into the application form, and then display the application form with the authorization information as the application information.

[0208] Among them, the holder of the first physical information carrier is the first object; when the processor 2101 detects the first physical information carrier in the near field and displays the application interface, it can specifically perform the following operations: When the first physical information carrier is detected in the near field, the near field communication message of the first physical information carrier is obtained. The near field communication message includes the link information of the application interface. Based on the link information, a route mapping is performed to obtain the target application corresponding to the application interface; Obtain the object identifier of the first object from the near-field communication message, and add the object identifier to the domain name link query string included in the link information to obtain the link string; Launch the target application and display the application interface within the target application based on the link string.

[0209] When the processor 2101 performs route mapping based on the link information to obtain the target application corresponding to the application interface, it can specifically perform the following operations: In the application package manager, find the application corresponding to the link information among the multiple applications managed by the application package manager; If the application corresponding to the link information is found in the application package manager and the application corresponding to the link information is already installed, then the application corresponding to the link information will be identified as the target application for the application interface; the application corresponding to the link information is an application client or an application that does not require installation. If the application corresponding to the link information is not found in the application package manager, or if the application corresponding to the found link information is not installed, then the browser will be selected as the target application.

[0210] The application interface includes the interface of the target application. When the processor 2101 displays the application interface in the target application according to the link string, it can specifically perform the following operations: If the target application is an application client or a portable application, the link string is placed in the target application's startup context. When the target application starts based on the startup context, the application interface is displayed in the target application according to the link string. If the target application is a browser, the application interface is displayed in the browser based on the link string.

[0211] The first physical information carrier belongs to the first object; the processor 2101 can also perform the following operations: By activating the target application, obtain the device fingerprint of the terminal device where the target application is located and the environmental information of the terminal device. The encrypted object identifier of the first object is obtained from the near-field communication message of the first physical information carrier. The encrypted object identifier is obtained by encrypting the object identifier of the first object. An environment verification request is generated based on the device fingerprint, environmental information, and encrypted object identifier; Send an environment verification request to the server. The environment verification request is used to request the server to perform risk verification on the device fingerprint and environment information. After the risk verification is passed, return the object information of the first object based on the object identifier obtained by decrypting the encrypted object identifier. Receive object information for the first object returned by the server.

[0212] Specifically, when the processor 2101 performs an authorization operation based on the second object and retrieves authorization information to populate the application form, it can perform the following operations: Based on the authorization operation of the second object, an authorization request containing the login account of the second object in the terminal device is sent to the authorization center. The authorization request is used to request the authorization center to return the corresponding authorization credentials based on the login account. The data retrieval request is sent to the server based on the authorization credentials. The data retrieval request includes the authorization credentials, the session identifier when the terminal device and the server conduct a session, and the session credentials. The data retrieval request is used to request the server to retrieve the authorization information of the second object based on the authorization credentials after the session identifier and session credentials have been verified. Receive the authorization information returned by the server and fill the authorization information into the application form.

[0213] Among them, the holder of the first physical information carrier is the first object, and the applicant of the second physical information carrier is the second object; When the processor 2101 displays the application result in response to the confirmation operation of the application information, it may specifically perform the following operations: In response to the confirmation operation of the application information, an application submission request is sent to the server. The application submission request includes the session identifier when the terminal device and the server are in a session, and the signature information of the second object. The application submission request is used to request the server to assemble a physical information carrier application message according to the object information of the second object and the application template after the signature information and session identifier are verified, and to establish a binding relationship between the object identifier of the first object and the physical information carrier application message. The physical information carrier application message is used to trigger the card issuing institution to process the second physical information carrier. The binding relationship is used to allocate recommendation incentive information to the first object. Receive the application result returned by the server in response to the application submission request, and display the application result.

[0214] In this embodiment, when the first physical information carrier is sensed in the near field, an application interface is displayed. This application interface is used to apply for a second physical information carrier. By utilizing near field sensing, the application interface for applying for the second physical information carrier can be directly invoked through the first physical information carrier, similar to a "tap-to-tap" action directly triggering the application process, eliminating the need for the object to open a barcode scanner and thus improving the efficiency of the physical information carrier application. In response to the application trigger operation received in the application interface, application information is displayed, including the object information of the applicant for the second physical information carrier. In response to the confirmation operation of the application information, the application result is displayed. By triggering the application through the application interface, application information can be directly displayed, and the object can submit the application for the second physical information carrier by confirming the application information. The entire physical information carrier application process is simplified, significantly improving the efficiency of the physical information carrier application.

[0215] Furthermore, it should be noted that this application also provides a computer-readable storage medium storing a computer program adapted to be loaded and executed by a processor, so that a computer device having a processor performs the methods described in the preceding embodiments. Therefore, these will not be repeated here. Additionally, the beneficial effects of using the same method will also not be repeated. For technical details not disclosed in the embodiments of the computer-readable storage medium involved in this application, please refer to the description of the method embodiments of this application.

[0216] The aforementioned computer-readable storage medium can be the apparatus provided in any of the foregoing embodiments or the internal storage unit of the aforementioned computer device, such as the hard disk or memory of the computer device. The computer-readable storage medium can also be an external storage device of the computer device, such as a plug-in hard disk, smart media card (SMC), secure digital (SD) card, flash card, etc., provided on the computer device. Furthermore, the computer-readable storage medium may include both internal storage units and external storage devices of the computer device. The computer-readable storage medium is used to store the computer program and other programs and data required by the computer device. The computer-readable storage medium can also be used to temporarily store data that has been output or will be output.

[0217] Furthermore, it should be noted that this application also provides a computer program product, which includes a computer program stored in a computer-readable storage medium. The computer program is adapted to be read and executed by a processor, so that a computer device having a processor performs the method provided in any of the corresponding embodiments described above. Additionally, the beneficial effects of using the same method will not be repeated here. For technical details not disclosed in the computer program product or computer program embodiments involved in this application, please refer to the description of the method embodiments of this application.

[0218] In the embodiments of this application, the terms "module" or "unit" refer to a computer program or part of a computer program that has a predetermined function and works with other related parts to achieve a predetermined goal, and can be implemented wholly or partially using software, hardware (such as processing circuitry or memory), or a combination thereof. Similarly, a processor (or multiple processors or memory) can be used to implement one or more modules or units. Furthermore, each module or unit can be part of an overall module or unit that includes the functionality of that module or unit.

[0219] The terms "first," "second," etc., in the specification, claims, and drawings of this application are used to distinguish different objects, not to describe a specific order. Furthermore, the term "comprising," and any variations thereof, are intended to cover non-exclusive inclusion. For example, a process, method, apparatus, product, or device that includes a series of steps or units is not limited to the listed steps or modules, but may optionally include steps or modules not listed, or may optionally include other step units inherent to these processes, methods, apparatuses, products, or devices.

[0220] 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.

[0221] The above-disclosed embodiments are merely preferred embodiments of this application and should not be construed as limiting the scope of this application. Therefore, any equivalent variations made in accordance with the claims of this application shall still fall within the scope of this application.

Claims

1. An information processing method, characterized in that, include: When the first physical information carrier is detected in the near field, an application interface is displayed, which is used to apply for a second physical information carrier. In response to an application triggering operation received in the application interface, application information is displayed, the application information including object information of the application object of the second physical information carrier; In response to the confirmation operation of the application information, the application result is displayed.

2. The method as described in claim 1, characterized in that, When the first physical information carrier is detected in the near field, the application interface is displayed, including: When the first physical information carrier is placed in the near-field sensing area of ​​the terminal device, a notification message is output, which includes the link information of the application interface. When the link information in the notification message is triggered, the application interface is displayed; The notification message is output in at least one of the following ways: as a banner in the status bar of the terminal device, in a fixed area of ​​the terminal device, in a floating window of the terminal device, in a floating panel of the terminal device, or in a card format of the terminal device. The first physical information carrier includes any of the following: physical credit card, physical bank card, physical access card, physical transportation card, financial integrated circuit card, and financial universal serial bus disk; the application interface includes the interface of the target application, and the interface of the target application includes any of the following: the interactive interface of the application client, the interactive interface of the installation-free application, and the interactive webpage in the browser.

3. The method as described in claim 2, characterized in that, The link information in the notification message is triggered, displaying the application interface, including: In response to the link information in the notification message being triggered, a type list is displayed. The type list contains at least one type identifier, and each type identifier is used to identify a carrier type. The carrier type includes at least one of the following: financial transaction savings type, financial transaction credit type, identity recognition type, and travel transportation type. Receive a selection operation for a target type identifier among the at least one type identifier, the target type identifier being used to identify a target carrier type; The application interface is displayed, and the carrier type of the second physical information carrier applied for through the application interface is the target carrier type; Wherein, the carrier type of the second physical information carrier is the same as that of the first physical information carrier; or, the type of the second physical information carrier is different from that of the first physical information carrier.

4. The method as described in claim 1 or 2, characterized in that, The holder of the first physical information carrier is the first object, and the applicant of the second physical information carrier is the second object; the method further includes: The application interface displays an invitation message, which prompts the first object to invite the second object to apply for a physical information carrier. The invitation information includes the object information of the first object, which includes basic object information and / or object behavior information. The basic object information includes at least one of the following: object identifier, object attributes, object credit rating, and object social relationships. The object behavior information includes at least one of the following: the recommendation method used by the first object when issuing the invitation, the number of times the first object issued the invitation, the number of times the physical information carrier applied for the application under the invitation of the first object, the number of times the physical information carrier successfully applied for the application under the invitation of the first object, and the evaluation information of the physical information carrier application under the invitation of the first object.

5. The method as described in claim 1 or 2, characterized in that, The holder of the first physical information carrier is the first object, and the applicant of the second physical information carrier is the second object; the method further includes: The application interface displays the exclusive rights information of the second physical information carrier; The exclusive rights information of the second physical information carrier is determined based on an influence factor, which includes at least one of the following: the object information of the first object and the object information of the second object; The exclusive rights information includes at least one of the following: incentive information when processing the second physical information carrier, usage scenario information of the second physical information carrier, and usage rights of the second physical information carrier.

6. The method as described in claim 1 or 2, characterized in that, The application object of the second physical information carrier is the second object; the step of displaying application information in response to the application trigger operation received in the application interface includes: In response to the application trigger operation received in the application interface, an application form is output; Based on the received input operations for each item in the application form, the application form containing the input information is displayed as application information; or, Based on the authorization operation of the second object, the authorization information is retrieved and populated into the application form, and the application form filled with the authorization information is displayed as application information; The application triggering operation includes any of the following: selecting an application entry in the application interface, performing a floating gesture operation in the application interface, performing a voice input operation in the application interface, or performing a sliding operation in the application interface in a preset direction.

7. The method as described in claim 1, characterized in that, The response to the confirmation operation of the application information, displaying the application result, includes: In response to the confirmation operation of the application information, a submission prompt message is displayed, which indicates that an application for a second physical information carrier is being submitted. When the submission progress of the second physical information carrier application meets the submission progress conditions, the application result is displayed; The submission prompt information includes: at least one submission process step for submitting the second physical information carrier application, and the at least one submission process step is dynamically displayed; the application result is used to indicate whether the second physical information carrier application was submitted successfully or failed. If the application for the second physical information carrier is successfully submitted, the application result includes at least one of the following: a submission success notification message, the application review time for the second physical information carrier, and the notification method for the processing result of the application for the second physical information carrier; If the application for the second physical information carrier fails to be submitted, the application result includes at least one type of information: a submission failure message and a reason for submission failure.

8. The method as described in claim 1, characterized in that, The holder of the first physical information carrier is the first object, and the applicant of the second physical information carrier is the second object; the application result includes whether the application of the second physical information carrier is successfully submitted or whether the application of the second physical information carrier fails to be submitted. After the confirmation operation on the application information is completed and the application result is displayed, the method further includes: If the application result includes successful submission of the second physical information carrier application, then in response to the application progress query operation, the application processing progress of the second physical information carrier will be displayed; When the application processing progress reaches a preset progress threshold, the application processing result is output; the application processing result indicates that the application for the second physical information carrier was successful, or the application for the second physical information carrier failed.

9. The method as described in claim 6, characterized in that, The authorization operation based on the second object involves retrieving authorization information and filling it into the application form, then displaying the application form filled with the authorization information as application information, including: Output an authorization prompt message, which prompts the user to retrieve the authorization information of the second object. Upon receiving an authorization operation initiated by the second object through the authorization prompt message, an information loading animation is displayed; When the authorization information for the second object is retrieved, the information loading animation ends; and, The retrieved authorization information is filled into the application form, and the application form filled with the authorization information is displayed as application information.

10. The method as described in claim 1, characterized in that, The object holding the first physical information carrier is the first object; when the first physical information carrier is sensed in the near field, the application interface is displayed, including: When the first physical information carrier is detected in the near field, the near field communication message of the first physical information carrier is obtained, and the near field communication message includes the link information of the application interface; Based on the link information, a route mapping is performed to obtain the target application corresponding to the application interface; The object identifier of the first object is obtained from the near-field communication message, and the object identifier is added to the domain name link query string included in the link information to obtain the link string; The target application is invoked, and an application interface is displayed in the target application according to the link string.

11. The method as described in claim 10, characterized in that, The step of performing route mapping based on the link information to obtain the target application corresponding to the application interface includes: In the application package manager, locate the application corresponding to the link information among the multiple applications managed by the application package manager; If the application corresponding to the link information is found in the application package manager and the application corresponding to the link information is already installed, then the application corresponding to the link information is determined as the target application corresponding to the application interface; the application corresponding to the link information is an application client or an application that does not require installation. If the application corresponding to the link information is not found in the application package manager, or if the application corresponding to the link information is not installed, then the browser is identified as the target application.

12. The method as described in claim 10 or 11, characterized in that, The application interface includes the interface of the target application, and displaying the application interface in the target application according to the link string includes: If the target application is an application client or an application that does not require installation, the link string is placed in the launch context of the target application. When the target application starts based on the launch context, the application interface is displayed in the target application according to the link string. If the target application is a browser, the application interface is displayed in the browser based on the link string.

13. The method as described in claim 10, characterized in that, The first physical information carrier belongs to the first object; the method further includes: By activating the target application, the device fingerprint of the terminal device where the target application is located and the environmental information of the terminal device are obtained; The encrypted object identifier of the first object is obtained from the near-field communication message of the first physical information carrier, wherein the encrypted object identifier is obtained by encrypting the object identifier of the first object; An environment verification request is generated based on the device fingerprint, the environment information, and the encrypted object identifier; Send an environment verification request to the server. The environment verification request is used to request the server to perform risk verification on the device fingerprint and the environment information. After the risk verification is passed, return the object information of the first object based on the object identifier obtained by decrypting the encrypted object identifier. Receive the object information of the first object returned by the server.

14. The method as described in claim 6, characterized in that, The method is applied to a terminal device, and the authorization operation based on the second object, which retrieves authorization information and populates it into the application form, includes: Based on the authorization operation of the second object, an authorization request containing the login account of the second object in the terminal device is sent to the authorization center. The authorization request is used to request the authorization center to return the corresponding authorization credentials based on the login account. Based on the authorization credential, a data retrieval request is sent to the server. The data retrieval request includes the authorization credential, a session identifier and a session credential used when the terminal device and the server conduct a session. The data retrieval request is used to request the server to retrieve the authorization information of the second object based on the authorization credential after the session identifier and the session credential have been verified. Receive the authorization information returned by the server and fill the authorization information into the application form.

15. The method as described in claim 1, characterized in that, The method is applied to a terminal device, where the holder of the first physical information carrier is the first object, and the applicant of the second physical information carrier is the second object. The response to the confirmation operation of the application information, displaying the application result, includes: In response to the confirmation operation of the application information, an application submission request is sent to the server. The application submission request includes a session identifier used during the session between the terminal device and the server, and the signature information of the second object. The application submission request is used to request the server, after verifying the signature information and the session identifier, to assemble a physical information carrier application message based on the object information of the second object and the application template, and to establish a binding relationship between the object identifier of the first object and the physical information carrier application message. The physical information carrier application message is used to trigger the card issuing institution to process the second physical information carrier. The binding relationship is used to allocate recommendation incentive information to the first object. Receive the application result returned by the server in response to the application submission request, and display the application result.

16. An information processing device, characterized in that, The device includes: The interface display unit is used to display an application interface when a first physical information carrier is sensed in the near field. The application interface is used to apply for a second physical information carrier. An information display unit is used to display application information in response to an application trigger operation received in the application interface. The application information includes object information of the application object of the second physical information carrier. The result display unit is used to display the application result in response to the confirmation operation of the application information.

17. A terminal device, characterized in that, include: A processor is used to execute computer programs; A computer-readable storage medium storing a computer program, which, when executed by the processor, performs the information processing method as described in any one of claims 1-15.

18. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program, which, when executed by a processor, performs the information processing method as described in any one of claims 1-15.

19. A computer program product, characterized in that, The computer program product stores a computer program, which, when executed by a processor, is an information processing method as described in any one of claims 1-15.

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