Mobile payment and networking system of intelligent oil-paper umbrella

Abstract

The invention discloses a mobile payment and networking system of an intelligent oil-paper umbrella. The mobile payment and networking system comprises an umbrella body, a mobile payment module, a networking module, a multi-sensor module, a power module and an umbrella renting and sharing module. The umbrella body is subjected to intelligent nano coating treatment and has waterproof, antifouling and ultraviolet-proof functions, and the color of the umbrella cover is dynamically adjusted according to humidity changes. The mobile payment module supports NFC and two-dimensional code payment, and payment safety is ensured through a risk control algorithm. The networking module provides payment recommendation and weather early warning through Wi-Fi and GPS. The multi-sensor module monitors the environment in real time, and the umbrella is automatically closed when the wind speed sensor detects strong wind. The power supply module integrates a solar cell panel and a rechargeable lithium battery, and supports wireless charging. The umbrella renting module supports code scanning renting and cross-site returning. The system integrates intelligent payment, Internet of Things and environment monitoring technologies, improves the safety of the umbrella and the user experience, and is suitable for tourist attractions, leasing services and other application scenes.

Description

Technical Field

[0001] The present invention relates to the technical field of intelligent umbrellas, and in particular to a mobile payment and networking system for an intelligent oil-paper umbrella. Background Art

[0002] Traditional oil-paper umbrellas are one of China's intangible cultural heritages, with a long history and cultural value. However, with the advancement of modern technology and changes in lifestyle, oil-paper umbrellas have gradually been replaced by umbrellas made of modern materials and faded out of daily life. At the same time, in the tourism industry, especially in scenic spot guided tour services, the existing tour guide explanation methods are relatively simple, most of which rely on manual guides or simple audio broadcasting equipment, and cannot provide tourists with an immersive interactive experience.

[0003] Although there are some smart umbrella designs in the prior art, such as smart umbrellas with basic anti-loss or positioning functions, their functions are relatively limited and lack intelligence and convenience for tourism scenarios. In scenic spots, tourists not only need to obtain real-time information such as weather and scenic spot introductions, but also need convenient payment and rental services. However, the existing umbrella design does not effectively combine mobile payment, smart networking and tourism needs, and cannot meet the diverse needs of tourists.

[0004] In addition, although the existing scenic area rental system and payment system have gradually introduced mobile payment technology, most of them are limited to simple QR code payment, lacking intelligent risk control management of user payment behavior, and posing certain security risks. At the same time, the application of sensors is not sufficient, and the use status of umbrellas cannot be intelligently adjusted according to environmental changes, which affects the user experience. Therefore, there is an urgent need for an innovative umbrella that can integrate mobile payment, networking, environmental monitoring and intelligent control to enhance the user's travel experience. Summary of the invention

[0005] In order to solve the problems of single function, low intelligence and lack of safe payment and rental system, the present invention provides a mobile payment and networking system for smart oil-paper umbrellas. The present invention can not only realize the basic sunshade and rainproof functions of umbrellas, but also combines a variety of modern intelligent technologies to provide users with convenient payment and networking services, and improve the safety and intelligence of umbrellas.

[0006] In order to achieve the above object, the present invention is implemented by the following technical solutions:

[0007] A mobile payment and networking system for a smart oil-paper umbrella, the system comprising:

[0008] The umbrella body is an oil-paper structure, which has been treated with an intelligent nano-coating and has waterproof, anti-fouling and UV protection functions. The color of the umbrella surface dynamically displays humidity information according to changes in ambient humidity.

[0009] The mobile payment module is integrated into the umbrella handle, supports NFC and QR code payment, and is connected to WeChat Pay and Alipay systems;

[0010] The networking module exchanges data with smart terminal devices via Wi-Fi and provides location-based payment recommendations and weather warnings in combination with the GPS module;

[0011] A multi-sensor module, including humidity, temperature, light and wind speed sensors. The wind speed sensor automatically closes the umbrella when strong winds are detected;

[0012] Power module, including rechargeable lithium battery, solar panel integrated into the umbrella, compatible with Qi wireless charging protocol;

[0013] The umbrella rental and sharing module allows users to rent umbrellas by scanning the QR code on the umbrella through the APP. It supports time-based billing, deposit payment and balance refund, and can realize the return and sharing of umbrellas at multiple locations.

[0014] Preferably, the mobile payment module interacts with the user terminal through a self-developed payment platform, and supports deposit payment, pre-charge, balance refund and time-based billing functions.

[0015] Preferably, the system implements the following steps based on the payment risk control algorithm:

[0016] Step S1: Obtain the user's historical payment behavior data, sensor data including humidity, temperature, wind speed, location information GPS and payment data; format the data, eliminate invalid data and redundant data, and standardize the input data; Step S2: Use the generative adversarial network GAN to generate data samples of abnormal payment behavior, make up for the missing fraud behavior data in the normal data samples, and form an enhanced data set;

[0017] Step S3: During the payment operation of the umbrella terminal and the user terminal, the payment model is trained; the model completes the abnormal detection of payment behavior based on local data, and builds a new local model in combination with the user's historical payment data;

[0018] Step S4: Use the convolutional neural network CNN to extract features from the time series data of the user's payment behavior, and generate the historical risk assessment score f of the payment behavior through the pooling operation layer and the fully connected layer. CNN (X history );

[0019] Step S5: Use the Generative Adversarial Network (GAN) to identify potential fraud samples X in the payment data. fraud Perform abnormal behavior detection and generate a fraud risk assessment score f CNN (X history );

[0020] Step S6: Use graph neural network GNN to analyze the payment behavior network G pay Perform analysis, extract global features in the payment network through the deep learning layer, and generate a risk assessment score f for the payment network GNN (G pay );

[0021] Step S7: The risk assessment scores of the above three models are weighted and summed to obtain the final payment risk assessment score, and the formula is as follows:

[0022] Risk Score=α×f CNN (X history )+β×f GAN (X fraud )+γ×f GNN (G pay )

[0023] Among them, α, β, and γ are weighting coefficients, which are used to adjust the contribution ratio of CNN, GAN, and GNN in the final risk score respectively;

[0024] Step S8: When the final payment risk assessment score exceeds the preset threshold, the system will trigger a multi-factor verification mechanism, including SMS verification, fingerprint recognition, and facial recognition.

[0025] Preferably, the networking module realizes point-to-point communication between umbrellas through the Internet of Things platform technology based on the LoRa communication protocol, optimizes network access and data transmission, and the communication method realizes low-power long-distance communication of multiple umbrellas through a distributed network structure, ensuring that the system continues to operate under high load conditions while ensuring the stability and security of data transmission.

[0026] Preferably, the multi-sensor module includes temperature, humidity sensors and wind speed sensors, and the sensors are used to collect environmental data, determine user needs in combination with umbrella movements, and adjust the umbrella and trigger functions based on the detected data.

[0027] Preferably, the umbrella body is provided with a projection module, which generates corresponding projection content based on the data collected by the sensor to realize information display, weather warning and interactive prompt functions.

[0028] Preferably, the umbrella shell adopts laser cutting technology and high-precision CO2 laser cutting equipment, and achieves high-resolution detailed pattern engraving by surface treatment of the umbrella material. The pattern is customized according to the cultural characteristics of the scenic spot, and the umbrella shell is nano-coated after cutting. The design of the pattern is linked with other intelligent functions of the umbrella, including sensors and networking modules.

[0029] Preferably, the power module supports a scan code charging function, and the user connects to the mobile payment module of the umbrella by scanning the QR code set in the scenic area. After the payment is completed, the charging program is started. The scan code charging function also supports real-time data feedback during the charging process, and the user can check the charging progress through the APP.

[0030] Preferably, the system provides an open API interface, allowing third-party developers to expand the functions of the umbrella and can be linked with smart home devices including voice assistants, lighting equipment and real-time weather forecast systems.

[0031] Compared with the prior art, the beneficial effects of the present invention are as follows: first, the present invention uses an intelligent nano coating to process the umbrella body, so that the umbrella has significant waterproof, anti-fouling and anti-ultraviolet functions. This coating can effectively prevent rain and stains from adhering, and provides a higher protection effect by reflecting ultraviolet rays, which is far superior to traditional oil-paper umbrellas and ordinary umbrellas, greatly improving the durability and service life of the umbrella. Secondly, most of the smart umbrellas in the prior art are limited to simple scan code payment functions, while the present invention combines NFC with QR code payment, and adopts a multi-level payment risk control system, using generative adversarial networks (GAN), convolutional neural networks (CNN) and graph neural networks (GNN) to conduct a comprehensive risk assessment of payment behavior. Through the multi-factor verification mechanism, the security of the payment process is significantly improved, fraud is effectively avoided, and the user's sense of trust is enhanced. The present invention also integrates multiple sensors such as humidity, temperature, light and wind speed, which can monitor external environmental conditions in real time. When the wind speed exceeds the set threshold, the umbrella can be automatically closed to prevent damage; the color of the umbrella surface is dynamically adjusted with humidity changes, providing users with intuitive environmental information display. These intelligent control functions not only improve the user experience, but also effectively protect the umbrella from bad weather. Compared with the prior art, the networking module of the present invention can achieve real-time interaction with terminal devices through Wi-Fi and GPS, push personalized service information (such as weather warnings, nearby merchant discounts, etc.), and support multi-umbrella low-power communication based on the LoRa protocol. The system also provides an API interface, allowing linkage with smart home devices (such as voice assistants, lighting equipment, etc.), further enhancing the intelligent application scenarios of umbrellas. The umbrella rental and sharing module of the present invention manages the rental and return of umbrellas through APP, supports cross-location umbrella sharing, and provides multiple payment methods such as deposit payment and balance management. Unlike the existing single payment function, the sharing platform of the present invention also combines real-time data feedback function to improve the convenience and user experience of the rental service. Through actual user survey data, the present invention has achieved extremely high user satisfaction (average score of 4.8 points or more) in terms of payment convenience, umbrella rental and return process, sensor response speed, etc. This result proves that the present invention not only surpasses the prior art in terms of function, but also makes significant improvements in user experience, and is suitable for a variety of commercial and tourism scenarios. The present invention combines smart materials, mobile payment, Internet of Things technology and sensor applications, significantly improving the intelligence level of umbrellas and user experience. It has good commercial application prospects, especially in tourist attractions, smart cities, rental services and other fields. It has broad market potential. BRIEF DESCRIPTION OF THE DRAWINGS

[0032] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying creative labor.

[0033] in:

[0034] Figure 1 This is a schematic diagram of the overall structure of the intelligent oil-paper umbrella system in an embodiment of the present invention;

[0035] Figure 2 is a circuit connection diagram of a mobile payment module in an embodiment of the present invention;

[0036] Figure 3 A schematic diagram of a circuit and application of a sensor module in an embodiment of the present invention;

[0037] Figure 4 Schematic diagram of interaction between the networking module, the umbrella and the terminal in an embodiment of the present invention;

[0038] Figure 5 This is the device list interface of the smart oil-paper umbrella in the embodiment of the present invention;

[0039] Figure 6 This is a schematic diagram of a recharge selection interface in an embodiment of the present invention;

[0040] Figure 7 This is a schematic diagram of the scan code rental interface in an embodiment of the present invention. DETAILED DESCRIPTION

[0041] In order to make the purpose, technical solution and advantages of the embodiment of the present invention clearer, the technical solution of the embodiment of the present invention will be clearly and completely described below in conjunction with the drawings of the embodiment of the present invention. Obviously, the described embodiment is a part of the embodiment of the present invention, not all of the embodiments. Based on the described embodiment of the present invention, all other embodiments obtained by ordinary technicians in this field belong to the scope of protection of the present invention.

[0042] Example 1

[0043] like Figure 1 As shown in FIG. 1 , an embodiment of the present invention is provided, which provides a mobile payment and networking system for a smart oil-paper umbrella, including:

[0044] The umbrella body is an oil-paper structure, which has been treated with an intelligent nano-coating and has waterproof, anti-fouling and UV protection functions. The color of the umbrella surface dynamically displays humidity information according to changes in ambient humidity.

[0045] The umbrella body of the present invention is an oil-paper structure, which is treated with an intelligent nano-coating to have waterproof, anti-fouling and anti-ultraviolet functions, ensuring the durability of the umbrella in various weather conditions. Through the nano-coating, the umbrella can prevent rain or dirt from adhering to the umbrella surface, and at the same time can reflect ultraviolet rays to provide better protection.

[0046] In addition, the color of the umbrella automatically and dynamically displays humidity information according to the change of ambient humidity. This function detects the humidity change of the external environment in real time through the integrated humidity sensor. The sensor data is connected to the display unit on the umbrella through the circuit. The color of the umbrella changes with the humidity, providing users with intuitive environmental feedback. This innovative design not only improves the practicality of the umbrella, but also increases the interactive experience with the user.

[0047] Further, such as Figure 2 As shown, the mobile payment module is integrated into the umbrella handle, supports NFC and QR code payment, and is connected to WeChat Pay and Alipay systems;

[0048] Specifically, the mobile payment module interacts with the user terminal through a self-developed payment platform, and supports deposit payment, pre-charge, balance refund and time-based billing functions.

[0049] The mobile payment module is integrated into the umbrella handle and supports NFC (near field communication) and QR code payment. Users can complete payment by placing their mobile phone close to the NFC area on the umbrella handle, or by scanning the QR code integrated on the umbrella handle. The payment module connects to WeChat Pay and Alipay systems, supporting the mainstream mobile payment platforms widely used by users in daily life.

[0050] In addition, the payment module also implements payment history and security functions through local storage and computing modules, and combines payment risk control algorithms to ensure data security during the user's payment process and prevent malicious payments and fraud.

[0051] Furthermore, the system implements the following steps based on the payment risk control algorithm:

[0052] Step S1: Obtain the user's historical payment behavior data, sensor data including humidity, temperature, wind speed, location information GPS and payment data; format the data, eliminate invalid data and redundant data, and standardize the input data; Step S2: Use the generative adversarial network GAN to generate data samples of abnormal payment behavior, make up for the missing fraud behavior data in the normal data samples, and form an enhanced data set;

[0053] Step S3: During the payment operation of the umbrella terminal and the user terminal, the payment model is trained; the model completes the abnormal detection of payment behavior based on local data, and builds a new local model in combination with the user's historical payment data;

[0054] Step S4: Use the convolutional neural network CNN to extract features from the time series data of the user's payment behavior, and generate the historical risk assessment score f of the payment behavior through the pooling operation layer and the fully connected layer. CNN (X history );

[0055] Step S5: Use the Generative Adversarial Network (GAN) to identify potential fraud samples X in the payment data. fraud Perform abnormal behavior detection and generate a fraud risk assessment score f CNN (X history );

[0056] Step S6: Use graph neural network GNN to analyze the payment behavior network G pay Perform analysis, extract global features in the payment network through the deep learning layer, and generate a risk assessment score f for the payment network GNN (G pay );

[0057] Step S7: The risk assessment scores of the above three models are weighted and summed to obtain the final payment risk assessment score, and the formula is as follows:

[0058] Risk Score=α×f CNN (X history )+β×f GAN (X fraud )+γ×f GNN (G pay )

[0059] Among them, α, β, and γ are weighting coefficients, which are used to adjust the contribution ratio of CNN, GAN, and GNN in the final risk score respectively;

[0060] Step S8: When the final payment risk assessment score exceeds the preset threshold, the system will trigger a multi-factor verification mechanism, including SMS verification, fingerprint recognition, and facial recognition.

[0061] Further, such as Figure 4 As shown, the networking module interacts with smart terminal devices via Wi-Fi and provides location-based payment recommendations and weather warnings in combination with the GPS module;

[0062] Specifically, the networking module combines GPS and Wi-Fi positioning functions, pushes personalized discount information of nearby merchants through user historical preferences, and associates the mobile payment module of the umbrella.

[0063] Specifically, the networking module realizes point-to-point communication between umbrellas through the Internet of Things platform technology based on the LoRa communication protocol, optimizes network access and data transmission, and realizes low-power long-distance communication of multiple umbrellas through a distributed network structure, ensuring the continuous operation of the system under high load conditions while ensuring the stability and security of data transmission.

[0064] The networking module exchanges data with the user's smart terminal device via Wi-Fi. By connecting to the umbrella's Wi-Fi network, the user can receive service prompts and data push from the umbrella. The networking module also combines with the GPS positioning module to provide users with location-based payment recommendations and weather warning services. For example, when a user enters a specific area, the system will recommend nearby merchant discount information based on the user's preferences, or push warning information in advance when the weather changes suddenly.

[0065] The module also supports networking with other umbrellas in the scenic area, allowing the umbrellas to be synchronized via the wireless network to achieve information sharing and function expansion.

[0066] Further, such as Figure 3 As shown, the multi-sensor module includes humidity, temperature, light and wind speed sensors. The wind speed sensor automatically closes the umbrella when strong wind is detected.

[0067] Specifically, the multi-sensor module includes temperature, humidity sensors and wind speed sensors, which are used to collect environmental data, determine user needs in combination with umbrella movements, and adjust the umbrella and trigger functions based on the detected data.

[0068] The smart umbrella integrates multiple sensor modules, including humidity, temperature, light and wind speed sensors. Through these sensors, the umbrella can detect external environmental data in real time and respond accordingly. For example, when the wind speed sensor detects strong winds, the umbrella will automatically close to prevent damage and ensure the safety of the user. At the same time, the temperature and humidity sensors can dynamically adjust the opening and closing mode of the umbrella according to weather conditions, improving the convenience and intelligence of use.

[0069] The sensor data can also be transmitted to users through the networking module, allowing users to view environmental information in real time through mobile devices, enhancing the user experience.

[0070] Furthermore, the umbrella body is provided with a projection module, which generates corresponding projection content based on the data collected by the sensor to realize information display, weather warning and interactive prompt functions.

[0071] Furthermore, the power module includes a rechargeable lithium battery, a solar panel integrated into the umbrella, and is compatible with the Qi wireless charging protocol;

[0072] Specifically, the power module supports the scanning code charging function. The user connects to the mobile payment module of the umbrella by scanning the QR code set in the scenic area. After the payment is completed, the charging program is started. The scanning code charging function also supports real-time data feedback during the charging process, and the user can check the charging progress through the APP.

[0073] The power module contains a rechargeable lithium battery and is integrated into the solar panel on the umbrella. The solar panel can charge the umbrella's battery by absorbing sunlight, ensuring the long-term operation of the umbrella. The power module is also compatible with the Qi wireless charging protocol. Users can charge the umbrella through a wireless charging device without using a traditional charging cable, providing greater convenience.

[0074] The combination of solar cells and wireless charging ensures efficient and environmentally friendly power supply for the umbrella, while supporting the charging function of mobile devices during travel.

[0075] Furthermore, the umbrella shell adopts laser cutting technology and high-precision CO2 laser cutting equipment. By treating the surface of the umbrella material, high-resolution and delicate pattern engraving is achieved. The pattern is customized according to the cultural characteristics of the scenic spot. The umbrella shell is nano-coated after cutting. The design of the pattern is linked to other intelligent functions of the umbrella, including sensors and networking modules.

[0076] Furthermore, the umbrella rental and sharing module allows users to rent umbrellas by scanning the QR code on the umbrella through the APP. It supports time-based billing, deposit payment and balance refund, and can realize the return and sharing of umbrellas at multiple locations.

[0077] Specifically, the system provides an open API interface, allowing third-party developers to expand the functions of the umbrella and can be linked with smart home devices including voice assistants, lighting equipment and real-time weather forecast systems.

[0078] The umbrella rental and sharing module allows users to rent umbrellas by scanning the QR code on the umbrella through the APP. This module supports time-based billing, and users can choose to return the umbrella to any umbrella return point after renting it for a period of time. The system also supports deposit payment and balance refund. When the user ends the rental, the system will automatically calculate the fee and settle the bill.

[0079] The core function of this module is to allow umbrellas to be shared and returned across locations, allowing umbrellas to circulate between users in different locations, improving the efficiency of umbrella use and the application of the sharing economy.

[0080] like Figure 5As shown, the device list interface of the smart oil-paper umbrella is displayed. Each entry shows the status of the umbrella, the remaining power, and the buttons for selection. The user can select the appropriate umbrella for rental operation in the interface. The figure shows the basic information of multiple devices, including the battery status of the umbrella (such as 85%, 75%, 100%) and the umbrella number (No. 1 umbrella, No. 2 umbrella, No. 3 umbrella, etc.). The figure shows the function of the networking module, which can provide users with umbrella selection according to the device status.

[0081] Annotation:

[0082] Equipment List: Displays the list of parachutes currently connected to the Internet, including the parachute numbers and status available for rental.

[0083] Battery indicator: The current remaining battery power of the parachute helps the user understand the endurance of the parachute.

[0084] Select button: The user clicks the Select button to enter the umbrella rental page.

[0085] like Figure 6 As shown in the figure, the recharge interface of the user when renting a smart oil-paper umbrella is displayed. The user can choose different rental time periods, including half an hour, one hour, two hours, morning, afternoon and all day. Through this interface, the user can select the rental time according to the needs and complete the corresponding payment operation.

[0086] Annotation:

[0087] Rental period options: Provide users with a variety of time options for renting umbrellas.

[0088] Rental time button: The user selects the desired rental time by clicking the corresponding button.

[0089] Payment module: This interface is associated with the mobile payment module. After selecting the rental time, the system will perform corresponding fee calculation and payment operations based on the selected duration.

[0090] like Figure 7 The figure shows the interface for users to scan the QR code to rent a smart oil-paper umbrella. Users scan the QR code on the umbrella to enter the rental operation page and start using the umbrella. The figure shows the workflow of the mobile payment module and the umbrella networking system.

[0091] Annotation:

[0092] Scanning area: Users click the "Scan" button and use the camera to scan the QR code on the umbrella to enter the rental process.

[0093] Mobile payment module: This interface is integrated with the umbrella rental and payment system. Users scan the code to enter the payment page and complete the payment operation.

[0094] Networking system: This interface obtains the real-time status and location of the umbrella through the networking system to ensure that users can complete the rental operation smoothly.

[0095] Example 2

[0096] In this embodiment, the mobile payment module of the smart oil-paper umbrella not only supports conventional NFC and QR code payment functions, but also introduces a payment risk control system based on a multi-model combination to ensure the user's payment security.

[0097] The mobile payment module is integrated into the umbrella handle and supports two payment methods: NFC and QR code. Users can complete payment by placing their smartphone close to the NFC area of ​​the umbrella handle, or by scanning the QR code displayed on the umbrella handle. The mobile payment module connects with mainstream payment platforms such as WeChat Pay and Alipay through a self-developed payment platform, supporting common payment functions such as deposit payment, balance recharge, rental fee deduction, and balance refund.

[0098] In order to ensure the security of the payment process, a multi-level payment risk control system based on generative adversarial networks (GAN), convolutional neural networks (CNN) and graph neural networks (GNN) is used in this embodiment. The main function of the system is to automatically identify and prevent potential payment fraud through machine learning algorithms. The specific implementation steps are as follows:

[0099] The system first obtains initial data from the user's payment record, environmental data collected by sensors (such as humidity, temperature, wind speed, etc.), GPS positioning information, etc. These data will be formatted and standardized to eliminate redundant and abnormal data.

[0100] Generate abnormal data samples in payment behavior using Generative Adversarial Networks (GANs) to make up for the lack of fraudulent behavior data in normal data sets. The generated samples will be combined with actual payment data to form an enhanced data set for subsequent risk analysis.

[0101] The system uses a convolutional neural network (CNN) to extract features from the user's payment behavior time series data, and generates a historical risk assessment score for payment behavior through a pooling operation layer and a fully connected layer. In addition, the system also uses GAN to further detect anomalies in payment behavior and generate a risk assessment score for fraudulent behavior.

[0102] Payment behaviors often occur in a wide network environment, so the system uses graph neural networks (GNNs) to analyze the global features in the payment behavior network and extract the correlations between multiple payment behaviors to generate a global risk assessment score for the payment network.

[0103] The final payment risk assessment score is obtained by weighted summing the risk assessment scores generated by the CNN, GAN and GNN models. The formula is as follows:

[0104] Final risk assessment score = α×CNN score + β×GAN score + γ×GNN score;

[0105] Among them, α, β, and γ are weighting coefficients, which are used to adjust the contribution ratio of the three models in the final risk assessment.

[0106] When the final payment risk assessment score exceeds the system's preset security threshold, the payment system will automatically trigger a multi-factor verification mechanism, which includes SMS verification codes, fingerprint recognition, facial recognition and other verification methods to ensure payment security.

[0107] By introducing multi-model machine learning algorithms, the system can automatically identify potential payment risks and effectively improve the security of the payment process.

[0108] The risk control system can perform real-time risk assessment during the payment process and instantly trigger multi-factor verification as needed.

[0109] The user's payment process remains simple, and the system completes complex risk analysis in the background, intervening only when an anomaly is detected, ensuring a balance between security and convenience.

[0110] Through the above technical means, the intelligent oil-paper umbrella system of the present invention has extremely high security in mobile payment function and can provide users with a convenient payment experience.

[0111] Example 3

[0112] In order to verify the effectiveness and superior performance of the smart oil-paper umbrella of the present invention in actual use, a number of experiments were conducted, covering the protection performance of the umbrella body, the security of the payment system, networking and sensor response speed. The following are the specific experimental designs and results.

[0113] 1. Protection performance test

[0114] The experimental design tests the waterproof, anti-fouling and anti-ultraviolet functions of the umbrella surface. This experiment compares the intelligent oil-paper umbrella of the present invention with the traditional oil-paper umbrella and the oil-paper umbrella without nano-coating treatment.

[0115] Experimental conditions: In an environment simulating rain, sewage and strong ultraviolet rays, the three groups of umbrellas were exposed for 1 hour respectively.

[0116] The protective effect of the umbrella is evaluated by observing water stains, stain residue and UV transmittance.

[0117] Experimental results:

[0118] Umbrella type Water stains Stains Remain UV transmittance (%) Traditional oil paper umbrella obvious obvious 65 Oil-paper umbrella without nano coating medium medium 52 Intelligent oil-paper umbrella of the present invention none none 10

[0119] The smart oil-paper umbrella of the present invention is treated with nano-coating to exhibit excellent waterproof, anti-fouling and anti-ultraviolet performance, which is significantly better than traditional umbrellas.

[0120] 2. Security testing of payment systems

[0121] In order to evaluate the security of the payment system, especially the performance of the payment risk control system, experiments simulating normal payment behavior and fraudulent payment behavior were conducted.

[0122] Experimental conditions: 100 sets of normal payment behavior data and 100 sets of simulated fraudulent payment behavior data were used to test the risk detection capability of the system.

[0123] Test the performance of the payment risk control system through generative adversarial network (GAN), convolutional neural network (CNN) and graph neural network (GNN) models, and detect the trigger rate of the multi-factor authentication mechanism.

[0124] Experimental results:

[0125]

[0126] The payment system of the present invention can effectively detect abnormal payment behavior and trigger the multi-factor verification mechanism in time to ensure payment security. Experimental results show that the detection rate of fraudulent behavior is as high as 96%, and the system performs well in payment security.

[0127] 3. Networking and sensor response speed test

[0128] The experiment tested the response time of the networking module and the sensor module to verify the umbrella's real-time response capability when detecting environmental changes.

[0129] Experimental conditions: Test the response speed of humidity, temperature and wind speed sensors in the system, as well as the time it takes for the parachute to automatically react and upload data.

[0130] Experimental results:

[0131]

[0132]

[0133] The networking module and the sensor module of the present invention respond quickly, can change the color of the umbrella surface within 2.5 seconds, and automatically close the umbrella within 1.8 seconds, thus ensuring the intelligence and real-time performance of the system.

[0134] 4. User experience and satisfaction survey

[0135] In order to evaluate the user satisfaction with the smart oil-paper umbrella of the present invention, a user experience survey was conducted, especially in terms of payment, sensor response speed and ease of use. The test subjects were 100 tourists who used the smart umbrella of the present invention.

[0136] Findings:

[0137] Evaluation Project Average rating (out of 5 points) Convenience of mobile payment 4.8 Umbrella rental and return procedures 4.7 Sensor response speed 4.6 Overall satisfaction 4.9

[0138] Users are highly satisfied with the user experience of the smart oil-paper umbrella of the present invention, and especially highly recognize the convenience of payment and the system response speed. The comprehensive score is close to full marks, indicating that the present invention performs well in user experience.

[0139] Through the above multiple experimental data verification, the intelligent oil-paper umbrella system of the present invention has significant advantages in protection performance, payment security, sensor response speed and user experience. Compared with traditional umbrellas, the present invention not only has stronger environmental adaptability, but also can provide safe and convenient intelligent services, bringing higher satisfaction to users.

[0140] In summary, the present invention provides an intelligent oil-paper umbrella system that integrates mobile payment, networking, sensor monitoring and intelligent control. By using the umbrella body material treated with intelligent nano-coating, the present invention greatly improves the waterproof, anti-fouling and UV protection performance of the umbrella; by integrating NFC and QR code payment functions, combined with payment risk control system and multi-factor verification, the security of the payment process is guaranteed; through the combination of multi-sensor modules and networking modules, it can monitor external environmental data in real time and respond quickly, improving the user experience.

[0141] The experimental data shows that the present invention is significantly superior to the existing technology in terms of protection performance, payment security, system response speed and user experience, which brings great convenience and security to users. Therefore, the present invention has a wide range of application prospects in the field of smart umbrellas, especially suitable for tourist attractions, rental sharing services and other scenarios.

[0142] The beneficial effects of the present invention include but are not limited to:

[0143] Significantly improves the protective performance of the umbrella (waterproof, anti-fouling, anti-ultraviolet).

[0144] It provides convenient mobile payment functions and ensures payment security through a multi-level risk control system.

[0145] The sensor system can respond to environmental changes in real time and achieve intelligent control and automated operations.

[0146] User experience surveys show that the system received extremely high satisfaction scores in terms of payment convenience, umbrella rental and sharing process, and sensor response speed.

[0147] In the description of this specification, the description with reference to the terms "one embodiment", "some embodiments", "example", "specific example", or "some examples" means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present application. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or more embodiments or examples in a suitable manner. In addition, those skilled in the art may combine and combine different embodiments or examples described in this specification and the features of different embodiments or examples, unless they are contradictory.

[0148] Any process or method description in the flow chart or otherwise described herein can be understood to represent a module, fragment or portion of a code including one or more executable instructions for implementing the steps of a specific logical function or process. And the scope of the preferred embodiment of the present application includes other implementations, in which the functions may not be performed in the order shown or discussed, including in a substantially simultaneous manner or in a reverse order according to the functions involved.

[0149] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any technician familiar with the technical field can easily think of various changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

Claims

1. A mobile payment and networking system for smart oil-paper umbrellas, characterized in that: The system comprises: The umbrella body is an oil-paper structure, which has been treated with an intelligent nano-coating and has waterproof, anti-fouling and UV protection functions. The color of the umbrella surface dynamically displays humidity information according to changes in ambient humidity. The mobile payment module is integrated into the umbrella handle, supports NFC and QR code payment, and is connected to WeChat Pay and Alipay systems; The networking module exchanges data with smart terminal devices via Wi-Fi and provides location-based payment recommendations and weather warnings in combination with the GPS module; A multi-sensor module, including humidity, temperature, light and wind speed sensors, which automatically close the umbrella when the wind speed sensor detects strong winds; Power module, including rechargeable lithium battery, solar panel integrated into the umbrella, compatible with Qi wireless charging protocol; The umbrella rental and sharing module allows users to rent umbrellas by scanning the QR code on the umbrella through the APP. It supports time-based billing, deposit payment and balance refund, and can realize the return and sharing of umbrellas at multiple locations.

2. The mobile payment and networking system of the smart oil-paper umbrella according to claim 1 is characterized in that: The mobile payment module interacts with the user terminal through a self-developed payment platform, and supports deposit payment, pre-charge, balance refund and time-based billing functions.

3. The mobile payment and networking system of the smart oil-paper umbrella according to claim 2 is characterized in that: The system implements the following steps based on the payment risk control algorithm: Step S1: Obtain the user's historical payment behavior data, sensor data including humidity, temperature, wind speed, location information GPS and payment data; format the data, eliminate invalid data and redundant data, and standardize input data; Step S2: Generate data samples of abnormal payment behaviors using the Generative Adversarial Network (GAN) to make up for the missing fraud behavior data in the normal data samples and form an enhanced data set; Step S3: During the payment operation of the umbrella terminal and the user terminal, the payment model is trained; the model completes the abnormal detection of payment behavior based on local data, and builds a new local model in combination with the user's historical payment data; Step S4: Use the convolutional neural network CNN to extract features from the time series data of the user's payment behavior, and generate the historical risk assessment score f of the payment behavior through the pooling operation layer and the fully connected layer. CNN (X history ); Step S5: Use the Generative Adversarial Network (GAN) to identify potential fraud samples X in the payment data. fraud Perform abnormal behavior detection and generate a fraud risk assessment score f CNN (X history ); Step S6: Use graph neural network GNN to analyze the payment behavior network G pay Perform analysis, extract global features in the payment network through the deep learning layer, and generate a risk assessment score f for the payment network GNN (G pay ); Step S7: The risk assessment scores of the above three models are weighted and summed to obtain the final payment risk assessment score, and the formula is as follows: Risk Score=α×f CNN (X history )+β×f GAN (X fraud )+γ×f GNN (G pay ) Among them, α, β, and γ are weighting coefficients, which are used to adjust the contribution ratio of CNN, GAN, and GNN in the final risk score respectively; Step S8: When the final payment risk assessment score exceeds the preset threshold, the system will trigger a multi-factor verification mechanism, including SMS verification, fingerprint recognition, and facial recognition.

4. The mobile payment and networking system of the smart oil-paper umbrella according to claim 1 is characterized in that: The networking module combines GPS and Wi-Fi positioning functions, pushes personalized discount information of nearby merchants through user historical preferences, and associates the mobile payment module of the umbrella.

5. The mobile payment and networking system of the smart oil-paper umbrella according to claim 1 is characterized in that: The networking module realizes point-to-point communication between parachutes through the Internet of Things platform technology based on the LoRa communication protocol, optimizes network access and data transmission, and realizes low-power long-distance communication of multiple parachutes through a distributed network structure, ensuring the continuous operation of the system under high load conditions while ensuring the stability and security of data transmission.

6. The mobile payment and networking system of the smart oil-paper umbrella according to claim 1 is characterized in that: The multi-sensor module includes temperature, humidity sensors and wind speed sensors, which are used to collect environmental data, judge user needs in combination with umbrella movements, and adjust the umbrella and trigger functions according to the detected data.

7. The mobile payment and networking system of the smart oil-paper umbrella according to claim 1 is characterized in that: The umbrella body is provided with a projection module, which generates corresponding projection content based on the data collected by the sensor to realize information display, weather warning and interactive prompt functions.

8. The mobile payment and networking system of the smart oil-paper umbrella according to claim 1 is characterized in that: The umbrella shell adopts laser cutting technology and high-precision CO2 laser cutting equipment. By treating the surface of the umbrella material, high-resolution and delicate pattern engraving is achieved. The pattern is customized according to the cultural characteristics of the scenic spot. The umbrella shell is nano-coated after cutting. The design of the pattern is linked with other intelligent functions of the umbrella, including sensors and networking modules.

9. The mobile payment and networking system of the smart oil-paper umbrella according to claim 1 is characterized in that: The power module supports the scanning code charging function. Users can connect to the mobile payment module of the umbrella by scanning the QR code set in the scenic area. After the payment is completed, the charging program is started. The scanning code charging function also supports real-time data feedback during the charging process. Users can check the charging progress through the APP.

10. The mobile payment and networking system of the smart oil-paper umbrella according to claim 1 is characterized in that: The system provides an open API interface, allowing third-party developers to expand the functions of the umbrella and can be linked with smart home devices including voice assistants, lighting equipment and real-time weather forecast systems.

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