CN115511479B - Multi-source data-based diversified payment management system and method - Google Patents
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Abstract
The invention discloses a diversified payment management system and method based on multi-source data, and belongs to the technical field of diversified payment. The system comprises: the system comprises a diversified payment module, a software triggering module, a terminal acquisition module, a light and shadow change module and a track judgment module; the output end of the diversified payment module is connected with the input end of the software triggering module; the output end of the software triggering module is connected with the input end of the terminal acquisition module; the output end of the terminal acquisition module is connected with the input end of the light and shadow change module; the output end of the light and shadow change module is connected with the input end of the track judgment module. According to the invention, in the payment process of the user, multi-source data can be collected for judgment and analysis, the problem that the user has screen leakage in the payment waiting process is solved, the payment safety is protected, and the payment efficiency can be improved.
Description
Technical Field
The invention relates to the technical field of diversified payment, in particular to a diversified payment management system and method based on multi-source data.
Background
Electronic payment refers to the act of securely transmitting payment information between a consumer, a merchant and a financial institution to a bank or a corresponding processing institution via an information network by using secure electronic means to realize currency payment or fund transfer. With the rapid popularization of the internet, the electronic commerce technology has been developed, and has gradually become the largest hot spot for internet applications. Electronic payment has become an indispensable part of people in the current life.
In the current electronic payment, diversified payment modes exist, for example, a user establishes payment with a payment port of a merchant through a two-dimensional code displayed by a mobile phone terminal, the merchant scans the two-dimensional code of the user through a scanning gun and pays, however, in places such as large-scale business supermarkets and intelligent dining halls, the situation of queuing and paying often occurs, in general, people carry commodities in hand and can prepare payment codes in advance, however, due to the screen saving or locking function of the mobile phone, when people arrive at the payment, the mobile phone needs to be opened again, which is very inconvenient.
Disclosure of Invention
The present invention provides a diversified payment management system and method based on multi-source data, so as to solve the problems proposed in the background art.
In order to solve the technical problems, the invention provides the following technical scheme: a diversified payment management method based on multi-source data comprises the following steps:
s1, a user logs in and registers diversified payment software, the diversified payment software is authorized to realize data acquisition, unlocking and screen-lighting functions, and the diversified payment software is installed on a payment terminal;
s2, constructing a software triggering instruction, wherein the software triggering instruction is used for acquiring payment software of a payment terminal of a user and triggering the software to enter a judgment function when a payment code of the payment software opened by the user is acquired;
s3, constructing a screen light and shadow change model of the payment terminal, judging the similarity between a screen light and shadow change curve of the payment terminal and a preset curve of the system, automatically unlocking and lighting the screen if the similarity exceeds a similarity threshold, and entering a payment code page;
s4, constructing a payment terminal rotation track model, and acquiring a contact included angle value formed by a plane where a payment terminal page is located and a plane where a user face is located, wherein the contact included angle value is an included angle in the positive directions of the two planes, and the positive direction of the plane where the payment terminal page is located is the direction where a screen of the payment terminal is located; the positive direction of the plane where the user face is located is the user facing direction;
s5, setting an angle change threshold value and a retention time threshold value, if the contact included angle value exceeds the angle change threshold value within a preset time period threshold value, and when the contact included angle value meets the retention time threshold value after reaching a payment angle interval, automatically unlocking and lighting a screen, and entering a payment code page.
According to the above technical solution, in step S2, the method further includes:
the method comprises the steps that software builds a preset database, wherein the preset database comprises payment software program names;
the method comprises the steps of obtaining a program name on a payment terminal of a user, selecting payment software, constructing a data stream channel, generating a software trigger instruction when the user opens a payment code of the payment software, and triggering diversified payment software to enter a judgment function.
According to the technical scheme, the construction of the screen light and shadow change model of the payment terminal comprises the following steps:
building a Domain
Wherein
Refers to a change value of the screen shadow of the payment terminal from the initial change to the non-change,
the change value indicates that the screen shadow of the payment terminal initially changes; the change value refers to the fact that a fixed time interval preset by a system is used for collecting the shadow change area caused by external light sensation on the screen of the payment terminal;
acquiring a screen light and shadow change curve of the payment terminal preset by the system and recording the curve as
；
Continuously collecting the screen light and shadow change of the payment terminal according to a fixed time interval preset by a system, generating a real-time screen light and shadow change curve of the payment terminal, and recording the curve as
；
Constructing a similar loss function:
wherein, the first and the second end of the pipe are connected with each other,
representative curve
、
A similar loss function of (d);
calculating the minimum of the similarity loss function
I.e. is a curve
、
The similarity of (2);
setting similarity threshold if curve exists
、
If the similarity exceeds the similarity threshold, the screen is automatically unlocked and lightened, and the payment code page is entered.
In the above solution, a curve is calculated
、
In the similarity degree, we take the extreme value to see if the curve is
、
Are completely overlapped with each other, then
It should be equal to 0, which is the time when the two curves are most similar, so that the closer the value of the similarity loss function calculated by the two curves is to 0, the higher the similarity of the two curves.
According to the technical scheme, the construction of the payment terminal rotation track model comprises the following steps:
acquiring test data input by a user when registering diversified payment software, wherein the test data comprises a mobile phone simulated rotation track in the payment process of the user;
acquiring a contact included angle value under each unit time point according to a fixed time interval preset by a system, wherein the unit time point is in the fixed time interval preset by the system;
constructing an original data structure column by using contact included angle value data at the last unit time point, and recording the original data structure column as
(ii) a Wherein
；
Wherein the content of the first and second substances,
respectively representing contact included angle value data under the last unit time point under each group of test data;
representing the number of test data sets involved;
to pair
And performing gray accumulation generation processing to generate:
wherein, the first and the second end of the pipe are connected with each other,
respectively representing the results after gray accumulation generation processing, the gray accumulation generation processing comprising:
wherein m =1,2, … …, N;
represents a serial number value;
to pair
Processing, calculating in a manner of close proximity mean, generating
：
Wherein the content of the first and second substances,
calculating processed results respectively representing close-to-average values, the close-to-average values including:
recording the processed result into a matrix;
establishing
The whitening differential equation of (a) is:
wherein the content of the first and second substances,
in order to develop the coefficients of the image,
is the ash action amount;
solving to obtain:
the predicted contact included angle value calculation model at the last unit time point is obtained as follows:
setting the value number K, and respectively calculating by using the predicted contact included angle value calculation model at the last unit time point
、
、
Selecting the minimum value and the maximum value, and constructing an angle interval as a payment angle interval for next payment;
and setting an angle change threshold value and a retention time threshold value, if the contact included angle value exceeds the angle change threshold value within a preset time period threshold value, and when the contact included angle value meets the retention time threshold value after reaching a payment angle interval, automatically unlocking and brightening the screen, and entering a payment code page.
In the above technical solution, mainly considering the habituation of the user holding the payment terminal (in this application, the default is mobile phone payment), the contact included angle value formed by the plane where the payment terminal page is located and the plane where the user face is located is 0 degree (i.e. the screen is parallel to the face plane) at the minimum and 180 degrees at the maximum (i.e. the facing direction of the mobile phone screen is the same as the facing direction of the face, and is also in a parallel state); according to the hand-held habit of human, the contact included angle value formed by the plane of the payment terminal page and the plane of the user face is generally about 90 degrees, the holding habit of human is better met in the angle interval, when the user pays, the mobile phone screen page is usually displayed to a merchant, the merchant is enabled to scan by using a code scanning gun, the contact included angle value formed by the plane of the payment terminal page and the plane of the user face is generally close to 180 degrees, the contact included angle value can form larger angle span, and on the basis of the contact included angle value, the range of the payment angle interval is judged, so that whether the user pays is further determined.
A multi-source data-based diversified payment management system, the system comprising: the system comprises a diversified payment module, a software triggering module, a terminal acquisition module, a light and shadow change module and a track judgment module;
the diversified payment module is used for setting diversified payment software, authorizing the diversified payment software to realize data acquisition, unlocking and screen lightening functions after a user logs in and registers, and installing the diversified payment software on a payment terminal; the software triggering module is used for constructing a software triggering instruction, the software triggering instruction is used for acquiring payment software of a payment terminal of a user, and when a payment code of the payment software opened by the user is acquired, the software is triggered to enter a judging function; the terminal acquisition module is used for acquiring a change value of the screen shadow of the payment terminal when the screen shadow changes from the initial state to the non-change state; the system comprises a light and shadow change module, a payment code page and a system preset curve, wherein the light and shadow change module is used for constructing a payment terminal screen light and shadow change model, judging the similarity between a payment terminal screen light and shadow change curve and the system preset curve, and automatically unlocking and lighting a screen to enter the payment code page if the similarity exceeds a similarity threshold; the track judgment module is used for constructing a payment terminal rotation track model, acquiring a contact included angle value formed by a plane where a payment terminal page is located and a plane where a user face is located, setting an angle change threshold value and a retention time threshold value, if the contact included angle value exists, the change value exceeds the angle change threshold value within a preset time period threshold value, and when the contact included angle value meets the retention time threshold value after reaching a payment angle interval, automatically unlocking and lighting a screen to enter a payment code page;
the output end of the diversified payment module is connected with the input end of the software triggering module; the output end of the software triggering module is connected with the input end of the terminal acquisition module; the output end of the terminal acquisition module is connected with the input end of the light and shadow change module; the output end of the light and shadow change module is connected with the input end of the track judgment module.
According to the technical scheme, the diversified payment module comprises a diversified payment software registration unit and a diversified payment software control unit;
the diversified payment software registering unit is used for installing diversified payment software on the user payment terminal; the diversified payment software control unit is used for realizing data acquisition, unlocking and screen-lighting functions by utilizing diversified payment software after a user logs in and registers;
the output end of the diversified payment software registration unit is connected with the input end of the diversified payment software control unit.
According to the technical scheme, the software triggering module comprises a software triggering instruction generating unit and a judging unit;
the trigger instruction generating unit is used for constructing a software trigger instruction, the software trigger instruction is used for acquiring payment software of a user payment terminal, and when a payment code of the payment software opened by a user is acquired, the software is triggered to enter a judging function; the judging unit is used for outputting a judging instruction and starting the terminal acquisition module.
According to the technical scheme, the terminal acquisition module comprises a light and shadow acquisition unit and a track acquisition unit;
the light and shadow acquisition unit is used for acquiring a change value of the light and shadow of the screen of the payment terminal when the light and shadow is changed from the initial state to the non-change state; the track acquisition unit is used for acquiring a rotation track of the user payment terminal;
the output end of the light and shadow acquisition unit is connected with the input end of the light and shadow change module; the output end of the track acquisition unit is connected with the input end of the track judgment module.
According to the technical scheme, the light and shadow change module comprises a first model building unit and a similar control unit;
the first model building unit is used for building a screen light and shadow change model of the payment terminal; the similarity control unit is used for judging the similarity between a screen light and shadow change curve of the payment terminal and a system preset curve, and if the similarity exceeds a similarity threshold value, automatically unlocking and lightening the screen, and entering a payment code page;
the output end of the first model building unit is connected with the input end of the similar control unit.
According to the technical scheme, the track judgment module comprises a second model construction unit and an angle change unit;
the second model building unit is used for building a payment terminal rotation track model and obtaining a contact included angle value formed by a plane where a payment terminal page is located and a plane where a user face is located; the angle change unit is used for setting an angle change threshold value and a retention time threshold value, if the contact included angle value exceeds the angle change threshold value within a preset time period threshold value, and when the contact included angle value meets the retention time threshold value after reaching a payment angle interval, the contact included angle value is automatically unlocked and is lightened, and a payment code page is entered;
the contact included angle value is an included angle in the positive directions of the two planes, and the positive direction of the plane where the payment terminal page is located is the direction where the screen of the payment terminal is located; the positive direction of the plane where the face of the user is located is the facing direction of the user.
Compared with the prior art, the invention has the following beneficial effects:
according to the invention, in the payment process of the user, multi-source data can be collected for judgment and analysis, the problem that the user has screen leakage in the payment waiting process is solved, the payment safety is protected, and the payment efficiency can be improved.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention and not to limit the invention. In the drawings:
FIG. 1 is a flow chart of a multi-source data-based diversified payment management system and method of the present invention;
FIG. 2 is a schematic diagram illustrating the change of screen shadow termination in a multi-source data-based diversified payment management system and method according to the present invention;
FIG. 3 is a schematic diagram of the initial change of screen shadows in the multi-source data-based diversified payment management system and method according to the present invention;
FIG. 4 is a schematic diagram of contact angle values of a diversified payment management system and method based on multi-source data according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without making any creative effort based on the embodiments in the present invention, belong to the protection scope of the present invention.
Referring to fig. 1-4, in the first embodiment: take a child business super as an example:
the method comprises the steps that a system obtains a program name on a user payment terminal, and selects payment software, wherein the payment software is a credit payment software and a treasure payment software;
and respectively constructing data flow channels, and generating a software trigger instruction when the user opens the two payment software payment codes, so as to trigger the diversified payment software to enter a judgment function.
Building a Domain
Wherein
Finger paymentThe change value of the terminal screen shadow from the initial change to the non-change is 20% in the present embodiment, specifically as shown in fig. 2;
the change value of the initial change of the screen light shadow of the payment terminal is 50% in the embodiment, which is specifically shown in fig. 3;
acquiring a screen light and shadow change curve of the payment terminal preset by the system and recording the curve as
；
Continuously collecting the screen light and shadow change of the payment terminal according to a fixed time interval preset by a system, generating a real-time screen light and shadow change curve of the payment terminal, and recording the curve as
；
Constructing a similar loss function:
wherein the content of the first and second substances,
representative curve
、
A similar loss function of (d);
the derivative function is set to 0, and the minimum value of the similarity loss function is calculated
I.e. is a curve
、
The similarity of (2);
setting similarity threshold if curve exists
、
If the similarity exceeds the similarity threshold, the screen is automatically unlocked and lightened, and the payment code page is entered.
Acquiring test data input by a user when registering diversified payment software, wherein the test data comprises a mobile phone simulated rotation track in the payment process of the user;
acquiring a contact included angle value under each unit time point according to a fixed time interval preset by a system, wherein the unit time point is in the fixed time interval preset by the system;
constructing an original data structure column by using contact included angle value data at the last unit time point, and recording the original data structure column as
(ii) a Wherein
；
Wherein the content of the first and second substances,
respectively representContact included angle value data at the last unit time point under each group of test data;
representing the number of test data sets involved;
to pair
And performing gray accumulation generation processing to generate:
wherein the content of the first and second substances,
respectively representing the results after gray accumulation generation processing, the gray accumulation generation processing comprising:
wherein m =1,2, … …, N;
represents a serial number value;
to pair
Processing, calculating in a manner of being close to the mean, generating
：
Wherein the content of the first and second substances,
respectively generation by generationCalculating the processed result in a manner that represents an immediate mean value, the immediate mean value comprising:
recording the processed result into a matrix;
establishing
The whitening differential equation of (a) is:
wherein, the first and the second end of the pipe are connected with each other,
in order to develop the coefficients of the image,
is the ash action amount;
solving to obtain:
the predicted contact pinch angle value calculation model at the last unit time point is obtained as follows:
setting the value number K, and respectively calculating by using the predicted contact included angle value calculation model at the last unit time point
、
、
Selecting the minimum value and the maximum value, and constructing an angle interval as a payment angle interval for next payment;
and setting an angle change threshold value and a retention time threshold value, if the contact included angle value has a change value exceeding the angle change threshold value within a preset time period threshold value, and automatically unlocking and lighting a screen to enter a payment code page when the contact included angle value meets the retention time threshold value after reaching a payment angle interval.
In this children business surpasses the interior, be that customer pays by oneself through scanning the code machine, in the time interval of presetting of system, gather through terminal acquisition module respectively, it is similar to discover the light and shadow change satisfies the curve, jumps to the payment code page, pays.
In a second embodiment, a diversified payment management system based on multi-source data is provided, the system including: the system comprises a diversified payment module, a software triggering module, a terminal acquisition module, a light and shadow change module and a track judgment module;
the diversified payment module is used for setting diversified payment software, authorizing the diversified payment software to realize data acquisition, unlocking and screen-lighting functions after a user logs in and registers, and installing the diversified payment software on a payment terminal; the software triggering module is used for constructing a software triggering instruction, the software triggering instruction is used for acquiring payment software of a user payment terminal, and when a payment code of the payment software opened by a user is acquired, the software is triggered to enter a judging function; the terminal acquisition module is used for acquiring a change value of the screen shadow of the payment terminal when the screen shadow changes from the initial state to the non-change state; the system comprises a light and shadow change module, a payment code page and a system preset curve, wherein the light and shadow change module is used for constructing a payment terminal screen light and shadow change model, judging the similarity between a payment terminal screen light and shadow change curve and the system preset curve, and automatically unlocking and lighting a screen to enter the payment code page if the similarity exceeds a similarity threshold; the track judgment module is used for constructing a payment terminal rotation track model, acquiring a contact included angle value formed by a plane where a payment terminal page is located and a plane where a user face is located, setting an angle change threshold value and a retention time threshold value, if the contact included angle value exists, the change value exceeds the angle change threshold value within a preset time period threshold value, and when the contact included angle value meets the retention time threshold value after reaching a payment angle interval, automatically unlocking and lighting a screen to enter a payment code page;
the output end of the diversified payment module is connected with the input end of the software triggering module; the output end of the software trigger module is connected with the input end of the terminal acquisition module; the output end of the terminal acquisition module is connected with the input end of the light and shadow change module; and the output end of the light and shadow change module is connected with the input end of the track judgment module.
The diversified payment module comprises a diversified payment software registration unit and a diversified payment software control unit;
the diversified payment software registering unit is used for installing diversified payment software on the user payment terminal; the diversified payment software control unit is used for realizing data acquisition, unlocking and screen-lighting functions by utilizing diversified payment software after a user logs in and registers;
the output end of the diversified payment software registration unit is connected with the input end of the diversified payment software control unit.
The software triggering module comprises a software triggering instruction generating unit and a judging unit;
the trigger instruction generating unit is used for constructing a software trigger instruction, the software trigger instruction is used for acquiring payment software of a payment terminal of a user and triggering the software to enter a judging function when a payment code of the payment software opened by the user is acquired; the judging unit is used for outputting a judging instruction and starting the terminal acquisition module.
The terminal acquisition module comprises a light and shadow acquisition unit and a track acquisition unit;
the light and shadow acquisition unit is used for acquiring a change value of the light and shadow of the screen of the payment terminal when the light and shadow is changed from the initial state to the non-change state; the track acquisition unit is used for acquiring a rotation track of the user payment terminal;
the output end of the light and shadow acquisition unit is connected with the input end of the light and shadow change module; the output end of the track acquisition unit is connected with the input end of the track judgment module.
The light and shadow change module comprises a first model construction unit and a similar control unit;
the first model building unit is used for building a screen light and shadow change model of the payment terminal; the similarity control unit is used for judging the similarity between the screen light and shadow change curve of the payment terminal and a preset curve of the system, and if the similarity exceeds a similarity threshold value, the screen is automatically unlocked and lightened, and the payment code page is entered;
the output end of the first model building unit is connected with the input end of the similar control unit.
The track judgment module comprises a second model construction unit and an angle change unit;
the second model building unit is used for building a payment terminal rotation track model and obtaining a contact included angle value formed by a plane where a payment terminal page is located and a plane where a user face is located; the angle change unit is used for setting an angle change threshold value and a retention time threshold value, if the contact included angle value exceeds the angle change threshold value within a preset time period threshold value, and the contact included angle value meets the retention time threshold value after reaching a payment angle interval, automatically unlocking and turning on a screen to enter a payment code page;
the contact included angle value is an included angle in the positive direction of the two planes, and the positive direction of the plane where the payment terminal page is located is the direction where the screen of the payment terminal is located; the positive direction of the plane where the face of the user is located is the facing direction of the user.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus.
Finally, it should be noted that: although the present invention has been described in detail with reference to the foregoing embodiments, it will be apparent to those skilled in the art that changes may be made in the embodiments and/or equivalents thereof without departing from the spirit and scope of the invention. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (9)
1. A diversified payment management method based on multi-source data is characterized by comprising the following steps: the method comprises the following steps:
s1, a user logs in and registers diversified payment software, the diversified payment software is authorized to realize data acquisition, unlocking and screen lightening functions, and the diversified payment software is installed on a payment terminal;
s2, constructing a software triggering instruction, wherein the software triggering instruction is used for acquiring payment software of a user payment terminal and triggering the software to enter a judging function when a payment code of the payment software opened by a user is acquired;
s3, constructing a screen light and shadow change model of the payment terminal, judging the similarity between a screen light and shadow change curve of the payment terminal and a preset curve of the system, automatically unlocking and lighting the screen if the similarity exceeds a similarity threshold, and entering a payment code page;
s4, constructing a payment terminal rotation track model, and acquiring a contact included angle value formed by a plane where a payment terminal page is located and a plane where a user face is located, wherein the contact included angle value is an included angle between the positive directions of the two planes, and the positive direction of the plane where the payment terminal page is located is the direction where a screen of the payment terminal is located; the positive direction of the plane where the user face is located is the user facing direction;
s5, setting an angle change threshold value and a retention time threshold value, if the contact included angle value exceeds the angle change threshold value within a preset time period threshold value, and meeting the retention time threshold value after reaching a payment angle interval, automatically unlocking and lighting a screen, and entering a payment code page;
the method for constructing the screen light and shadow change model of the payment terminal comprises the following steps:
building a Domain
Wherein->
Means a change value of the screen shadow of the payment terminal from the initial change to the non-change, and then>
The change value indicates that the screen shadow of the payment terminal initially changes; the change value refers to the fact that a fixed time interval preset by a system is used for collecting the shadow change area caused by external light sensation on the screen of the payment terminal;
acquiring a screen light and shadow change curve of the payment terminal preset by the system and recording the curve as
；
Continuously collecting the screen light and shadow change of the payment terminal according to a fixed time interval preset by a system, generating a real-time screen light and shadow change curve of the payment terminal, and recording the curve as
；
Constructing a similar loss function:
wherein the content of the first and second substances,
represents a curve->
、/>
A similar loss function of (d);
calculating the minimum of the similarity loss function
I.e. is the curve->
、/>
The similarity of (2);
setting similarity threshold if curve exists
、/>
If the similarity exceeds the similarity threshold, the screen is automatically unlocked and lightened, and the payment code page is entered.
2. The diversified payment management method based on multi-source data according to claim 1, wherein: in step S2, the method further includes:
the method comprises the steps that software builds a preset database, wherein the preset database comprises payment software program names;
the method comprises the steps of obtaining a program name on a user payment terminal, selecting payment software, constructing a data flow channel, generating a software trigger instruction when a user opens a payment code of the payment software, and triggering diversified payment software to enter a judgment function.
3. The diversified payment management method based on multi-source data according to claim 2, wherein: the method for constructing the payment terminal rotation track model comprises the following steps:
acquiring test data input by a user when registering diversified payment software, wherein the test data comprises a mobile phone simulated rotation track in the payment process of the user;
acquiring a contact included angle value under each unit time point according to a fixed time interval preset by a system, wherein the unit time point is in the fixed time interval preset by the system;
constructing an original data structure column by using contact included angle value data at the last unit time point, and recording the original data structure column as
(ii) a Wherein
；
Wherein the content of the first and second substances,
respectively representing contact included angle value data under the last unit time point under each group of test data; />
Representing the number of test data sets involved;
to pair
Performing gray accumulation generation processing to generate:
wherein the content of the first and second substances,
respectively, representing the results after the gray accumulation generation process, which includes:
wherein m =1,2, … …, N;
represents a serial number value;
to pair
Processed, calculated in a manner that is immediately adjacent to the mean, generates ≥>
：
Wherein the content of the first and second substances,
calculating processed results respectively representing close-to-average values, the close-to-average values including:
recording the processed result into a matrix;
establishing
The whitening differential equation of (a) is:
wherein the content of the first and second substances,
to develop the coefficient, <' >>
Is the ash action amount;
solving to obtain:
the predicted contact included angle value calculation model at the last unit time point is obtained as follows:
setting the value number K, and respectively calculating by using the predicted contact included angle value calculation model at the last unit time point
、/>
、/>
Selecting the minimum value and the maximum value, and constructing an angle interval as a payment angle interval for next payment;
and setting an angle change threshold value and a retention time threshold value, if the contact included angle value has a change value exceeding the angle change threshold value within a preset time period threshold value, and automatically unlocking and lighting a screen to enter a payment code page when the contact included angle value meets the retention time threshold value after reaching a payment angle interval.
4. The diversified payment management system based on the multi-source data, which applies the diversified payment management method based on the multi-source data according to claim 1, is characterized in that: the system comprises: the system comprises a diversified payment module, a software triggering module, a terminal acquisition module, a light and shadow change module and a track judgment module;
the diversified payment module is used for setting diversified payment software, authorizing the diversified payment software to realize data acquisition, unlocking and screen lightening functions after a user logs in and registers, and installing the diversified payment software on a payment terminal; the software triggering module is used for constructing a software triggering instruction, the software triggering instruction is used for acquiring payment software of a user payment terminal, and when a payment code of the payment software opened by a user is acquired, the software is triggered to enter a judging function; the terminal acquisition module is used for acquiring a change value of the screen shadow of the payment terminal when the screen shadow changes from the initial state to the non-change state; the light and shadow change module is used for constructing a light and shadow change model of a payment terminal screen, judging the similarity between a light and shadow change curve of the payment terminal screen and a preset curve of the system, automatically unlocking and brightening the screen if the similarity exceeds a similarity threshold, and entering a payment code page; the track judgment module is used for constructing a payment terminal rotation track model, acquiring a contact included angle value formed by a plane where a payment terminal page is located and a plane where a user face is located, setting an angle change threshold value and a retention time threshold value, if the contact included angle value exists, the change value exceeds the angle change threshold value within a preset time period threshold value, and when the contact included angle value meets the retention time threshold value after reaching a payment angle interval, automatically unlocking and lighting a screen to enter a payment code page;
the output end of the diversified payment module is connected with the input end of the software triggering module; the output end of the software triggering module is connected with the input end of the terminal acquisition module; the output end of the terminal acquisition module is connected with the input end of the light and shadow change module; the output end of the light and shadow change module is connected with the input end of the track judgment module.
5. The multi-source data-based diversified payment management system according to claim 4, wherein: the diversified payment module comprises a diversified payment software registration unit and a diversified payment software control unit;
the diversified payment software registering unit is used for installing diversified payment software on the user payment terminal; the diversified payment software control unit is used for realizing data acquisition, unlocking and screen-on functions by utilizing diversified payment software after a user logs in and registers;
the output end of the diversified payment software registration unit is connected with the input end of the diversified payment software control unit.
6. The multi-source data-based diversified payment management system according to claim 4, wherein: the software triggering module comprises a software triggering instruction generating unit and a judging unit;
the trigger instruction generating unit is used for constructing a software trigger instruction, the software trigger instruction is used for acquiring payment software of a user payment terminal, and when a payment code of the payment software opened by a user is acquired, the software is triggered to enter a judging function; the judging unit is used for outputting a judging instruction and starting the terminal acquisition module.
7. The multi-source data-based diversified payment management system according to claim 4, wherein: the terminal acquisition module comprises a light and shadow acquisition unit and a track acquisition unit;
the light and shadow acquisition unit is used for acquiring a change value of the light and shadow of the screen of the payment terminal when the light and shadow is changed from the initial state to the non-changed state; the track acquisition unit is used for acquiring a rotation track of the user payment terminal;
the output end of the light and shadow acquisition unit is connected with the input end of the light and shadow change module; the output end of the track acquisition unit is connected with the input end of the track judgment module.
8. The multi-source data-based diversified payment management system according to claim 4, wherein: the light and shadow change module comprises a first model construction unit and a similar control unit;
the first model building unit is used for building a screen light and shadow change model of the payment terminal; the similarity control unit is used for judging the similarity between the screen light and shadow change curve of the payment terminal and a preset curve of the system, and if the similarity exceeds a similarity threshold value, the screen is automatically unlocked and lightened, and the payment code page is entered;
the output end of the first model building unit is connected with the input end of the similar control unit.
9. The multi-source data-based diversified payment management system according to claim 4, wherein: the track judgment module comprises a second model construction unit and an angle change unit;
the second model building unit is used for building a payment terminal rotation track model and obtaining a contact included angle value formed by a plane where a payment terminal page is located and a plane where a user face is located; the angle change unit is used for setting an angle change threshold value and a retention time threshold value, if the contact included angle value exceeds the angle change threshold value within a preset time period threshold value, and when the contact included angle value meets the retention time threshold value after reaching a payment angle interval, the contact included angle value is automatically unlocked and is lightened, and a payment code page is entered;
the contact included angle value is an included angle in the positive directions of the two planes, and the positive direction of the plane where the payment terminal page is located is the direction where the screen of the payment terminal is located; the positive direction of the plane where the face of the user is located is the facing direction of the user.
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Inventor after: Wang Hailong Inventor after: Chen Jian Inventor after: Li Shanman Inventor after: Luo Laizhong Inventor before: Chen Jian Inventor before: Li Shanman Inventor before: Luo Laizhong |