Risk identification device based on big data payment mode

Abstract

The utility model relates to a risk identification device based on a big data payment mode, and the device comprises a payment housing, and also comprises a circular groove which is disposed at the top of the payment housing; the risk identification mechanism is mounted in the circular groove, the risk identification mechanism comprises a miniature electric telescopic cylinder, the miniature electric telescopic cylinder is mounted at the bottom end in the circular groove, and a three-dimensional camera is mounted at the top of the electric telescopic cylinder; according to the utility model, when a person carries out big data payment, the three-dimensional camera is driven by the miniature electric telescoping cylinder to move out of the circular groove, three-dimensional structure identification of the face of the payment person can be directly carried out, and payment can be completed only after the three-dimensional structure is confirmed to be consistent with face 3D data in big data. The risk of fingerprint verification can be avoided, in addition, after verification of the three-dimensional camera is completed, the three-dimensional camera can be driven by the micro electric telescopic cylinder to enter the circular groove again, and the three-dimensional camera is prevented from being exposed to the outside all the time.

Description

Technical Field

[0001] The utility model relates to the field of big data payment processing, and in particular to a risk identification device based on big data payment methods. Background Art

[0002] Mobile payment refers to the use of mobile client electronic products to make electronic currency payments. Mobile payment effectively combines the Internet, terminal equipment, and financial institutions to form a new payment system. Mobile payment can not only make monetary payments, but also pay for phone bills, gas, water, electricity and other living expenses. Mobile payment has created a new payment method and made electronic currency popular. At present, with the development of information technology, information technology has been integrated into all walks of life. In particular, mobile payment is an inevitable trend in the development of payment methods. The promotion and application of mobile payment has the following three advantages for merchants, service providers and consumers: For merchants, mobile payment will provide a convenient payment system without space and time barriers for the development of their own business. While accelerating payment efficiency and reducing operating costs, it also lowers the consumption threshold of the target user group, which will help to further build a diversified marketing model and further enhance the overall marketing effect.

[0003] According to the public patent 202021851402.X, a mobile payment processing terminal based on fingerprint recognition is known to include a main body, the surface of the main body is provided with an operating table and a payment table, the surface of the operating table is embedded with a key area and a first payment terminal in sequence, and the key area and the first payment terminal are connected through an internal electrical signal, an alarm display light is provided on the surface of the operating table and on the bottom side of the first payment terminal, a second payment terminal is provided on the surface of the payment table, and a first fingerprint module and a second fingerprint module are symmetrically provided on the bottom side of the second payment terminal, a camera device is provided between the first fingerprint module and the second fingerprint module, a card swiping slot and a card insertion slot are installed on one side of the main body, and a USB interface and a charging port are provided on the side of the main body relative to the card swiping slot and the card insertion slot. In short, the mobile payment processing terminal based on fingerprint recognition makes the payment process simple and safe through a variety of payment methods, especially the fingerprint recognition payment method. In the process of realizing the present utility model, the inventor found that there are at least the following problems in the prior art that have not been solved. Although a first fingerprint module and a second fingerprint module are provided on the payment counter, when payment is required, only fingerprint recognition payment is required, and there is no need to swipe the card and enter the password, thereby avoiding the risk of capital loss, and the payment is fast and solves the problem that in traditional payment, the payer needs to manually enter the payment password. If the payment password is remembered by an illegal person at this time, it is easy to cause a large amount of money to be lost in the event of the theft of the mobile phone or bank card. However, during use, the traditional risk identification device based on big data payment method can only use the fingerprint module to verify the fingerprint for payment. The fingerprint payment method that only uses fingerprints has the possibility of cracking the fingerprint verification method such as fingerprint cover, resulting in the security of fingerprint verification payment not being very high. For this reason, it is necessary to design a new technical solution to solve it. Utility Model Content

[0004] The purpose of this utility model is to overcome the shortcomings of the existing technology, adapt to actual needs, and provide a risk identification device based on big data payment methods to solve the current traditional risk identification device based on big data payment methods. It can only use the fingerprint module to verify the fingerprint for payment. The fingerprint payment method is simply adopted. There are ways to crack fingerprint verification such as fingerprint sleeves, resulting in a technical problem that the security of fingerprint verification payment is not very high.

[0005] In order to achieve the purpose of the present invention, the technical solution adopted by the present invention is to design a risk identification device based on big data payment methods, including a payment shell and:

[0006] A circular groove is provided on the top of the payment shell;

[0007] A risk identification mechanism is installed inside the circular groove, and the risk identification mechanism includes a micro electric telescopic cylinder installed at the bottom end of the circular groove, and a three-dimensional camera is installed on the top of the micro electric telescopic cylinder;

[0008] A top cover is fixed on the top of the three-dimensional camera.

[0009] Preferably, a micro motor is installed at the top of the front end of the payment shell, a motor shaft is connected to the rear side of the micro motor, and the rear end of the motor shaft passes through the payment shell and extends into the circular groove.

[0010] Preferably, a rotating disk is fixed to one end of the motor shaft located in the circular groove, and a cleaning brush is fixed to one end of the rotating disk away from the motor shaft.

[0011] Preferably, a payment terminal is embedded in the top of the front end of the payment housing.

[0012] Preferably, a square groove is provided at the bottom of the front end of the payment shell, a mounting block is installed inside the square groove, and the upper and lower ends of the front end of the mounting block are respectively embedded with a palm vein module and a fingerprint module.

[0013] Compared with the prior art, the beneficial effects of the present invention are:

[0014] 1. The utility model combines the payment shell, the micro electric telescopic cylinder and the three-dimensional camera. When the person makes a big data payment, the micro electric telescopic cylinder can drive the three-dimensional camera to move out of the circular groove, and can directly perform three-dimensional facial structure recognition on the payee. Only after confirming that the three-dimensional structure is consistent with the 3D facial data in the big data, can the payment be completed, which can avoid the risk of fingerprint verification. Moreover, after the three-dimensional camera verification is completed, the micro electric telescopic cylinder can drive the three-dimensional camera to re-enter the circular groove, avoiding the three-dimensional camera being exposed to the outside all the time, resulting in a large amount of dust adhering to the surface of the three-dimensional camera, solving the problem of traditional risk identification devices based on big data payment methods, which can only make payments by using fingerprint modules to verify fingerprints. The method of using fingerprint payment alone has the problem that there are ways to crack fingerprint verification such as fingerprint covers, resulting in a technical problem that the security of fingerprint verification payment is not very high.

[0015] 2. The present invention utilizes a combination of a micro motor, a rotating disk, and a cleaning brush. After the 3D camera is inserted into the circular groove, the micro motor drives the rotating disk and the cleaning brush to rotate, thereby cleaning the surface of the 3D camera. Furthermore, a palm vein module and a fingerprint module are provided on the surface of the payment shell, which can cooperate with the 3D camera to realize triple recognition of palm vein, fingerprint, and 3D structured light. Only after the payment personnel pass the triple recognition can they make big data payments, thereby reducing the risks brought by big data payments. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] Figure 1 It is a schematic diagram of the overall structure of the utility model;

[0017] Figure 2 This is a schematic diagram of the internal structure of the circular groove of the present utility model.

[0018] In the figure: 1. Payment shell; 101. Payment terminal; 2. Circular groove; 201. Micro electric telescopic cylinder; 202. 3D camera; 203. Top cover; 204. Square groove; 205. Mounting block; 206. Palm vein module; 207. Fingerprint module; 3. Micro motor; 301. Motor shaft; 302. Rotating disk; 303. Cleaning brush. DETAILED DESCRIPTION

[0019] The present invention is further described below with reference to the accompanying drawings and embodiments:

[0020] Example 1: A risk identification device based on big data payment method, see Figures 1 to 2 , including a payment shell 1, and also including: a circular groove 2, which is opened on the top of the payment shell 1; a risk identification mechanism, which is installed inside the circular groove 2, and the risk identification mechanism includes a micro electric telescopic cylinder 201, which is installed at the bottom end of the circular groove 2, and a three-dimensional camera 202 is installed on the top of the micro electric telescopic cylinder 201; a top cover 203 is fixed on the top of the three-dimensional camera 202. When a person makes a big data payment, the payment terminal 101 will control the micro electric telescopic cylinder 201 to start, and the micro electric telescopic cylinder 201 will drive the three-dimensional camera 202 to move up, and move the three-dimensional camera 202 out of the circular groove 2. After the three-dimensional camera 202 is moved out, the three-dimensional structure of the face of the payee can be recognized. In addition, the payment can be completed only after confirming that the three-dimensional structure is consistent with the 3D facial data in the big data, which can avoid the risk of fingerprint verification. Moreover, after the three-dimensional camera 202 completes the verification, the three-dimensional camera 202 can be driven by the micro electric telescopic cylinder 201 to re-enter the circular groove 2, avoiding the three-dimensional camera 202 being exposed to the outside all the time, resulting in a large amount of dust adhering to the surface of the three-dimensional camera 202, and solving the risk identification device based on the traditional big data payment method. The fingerprint module 207 can only be used to verify the fingerprint for payment. The fingerprint payment method that is used alone has the problem that there are ways to crack the fingerprint verification, such as fingerprint sleeves, resulting in the technical problem that the security of fingerprint verification payment is not very high.

[0021] For details, see Figure 2A micro motor 3 is installed on the top front end of the payment shell 1, and a motor shaft 301 is connected to the rear side of the micro motor 3. The rear end of the motor shaft 301 passes through the payment shell 1 and extends into the circular groove 2. After the three-dimensional camera 202 extends into the circular groove 2, the front end position of the three-dimensional camera 202 will fit with the cleaning brush 303. When the surface of the three-dimensional camera 202 needs to be cleaned, the micro motor 3 can be turned on, the micro motor 3 drives the motor shaft 301, the motor shaft 301 drives the rotating disk 302, and the rotating disk 302 drives the cleaning brush 303 to clean the front end of the three-dimensional camera 202.

[0022] For further information, see Figure 2 A rotating disk 302 is fixed to one end of the motor shaft 301 located in the circular groove 2 , and a cleaning brush 303 is fixed to one end of the rotating disk 302 away from the motor shaft 301 .

[0023] It is worth noting that, see Figure 1 The payment terminal 101 is embedded in the top of the front end of the payment shell 1.

[0024] It is worth noting that see Figure 1 A square groove 204 is provided at the bottom front end of the payment shell 1, and a mounting block 205 is installed inside the square groove 204. The upper and lower ends of the front end of the mounting block 205 are respectively embedded with a palm vein module 206 and a fingerprint module 207. A palm vein module 206 and a fingerprint module 207 are also provided on the surface of the payment shell 1, which can cooperate with the three-dimensional camera 202 to realize triple recognition of palm vein, fingerprint and three-dimensional structured light. Only after the payment personnel pass the triple recognition can they make big data payment, thereby reducing the risks brought by big data payment.

[0025] When using a risk identification device based on a big data payment method, when a person makes a big data payment, the payment terminal 101 will control the micro electric telescopic cylinder 201 to start, and the micro electric telescopic cylinder 201 will drive the three-dimensional camera 202 to move up, and move the three-dimensional camera 202 out of the circular groove 2. After the three-dimensional camera 202 is moved out, the three-dimensional structure of the payee's face can be identified. After confirming that the three-dimensional structure is consistent with the 3D facial data in the big data, the payment can be completed, which can avoid the risk of fingerprint verification. Moreover, after the three-dimensional camera 202 completes the verification, the three-dimensional camera 202 can be driven by the micro electric telescopic cylinder 201 to re-enter the circular groove 2, avoiding the three-dimensional camera 202 being exposed to the outside all the time, resulting in the three-dimensional camera A large amount of dust adheres to the surface of 202. After the three-dimensional camera 202 is inserted into the circular groove 2, the front end of the three-dimensional camera 202 will fit with the cleaning brush 303. When the surface of the three-dimensional camera 202 needs to be cleaned, the micro motor 3 can be turned on, and the micro motor 3 drives the motor shaft 301, the motor shaft 301 drives the rotating disk 302, and the rotating disk 302 drives the cleaning brush 303 to clean the front end of the three-dimensional camera 202. A palm vein module 206 and a fingerprint module 207 are also provided on the surface of the payment shell 1, which can cooperate with the three-dimensional camera 202 to realize triple recognition of palm vein, fingerprint and three-dimensional structured light. Only after the payment personnel pass the triple recognition can they make big data payments, thereby reducing the risks brought by big data payments.

[0026] In addition, the components designed in this utility model are all universal standard parts or components known to technical personnel in this field. Their structures and principles can be known to technical personnel through technical manuals or through conventional experimental methods. They can be fully implemented by technical personnel in this field. Needless to say, the content protected by this utility model does not involve improvements to internal structures and methods.

[0027] The embodiments disclosed in the present invention are preferred embodiments, but are not limited to them. Ordinary technicians in this field can easily understand the spirit of the present invention based on the above embodiments and make different extensions and changes. As long as they do not deviate from the spirit of the present invention, they are all within the scope of protection of the present invention.

Claims

1. A risk identification device based on big data payment method, comprising a payment housing (1), characterized in that: Also includes: A circular groove (2) is provided on the top of the payment housing (1); A risk identification mechanism is installed inside the circular groove (2), the risk identification mechanism comprising a micro electric telescopic cylinder (201), the micro electric telescopic cylinder (201) is installed at the bottom end inside the circular groove (2), and a three-dimensional camera (202) is installed on the top of the micro electric telescopic cylinder (201); A top cover (203) is fixed on the top of the three-dimensional camera (202).

2. A risk identification device based on big data payment method as claimed in claim 1, characterized in that: A micro motor (3) is installed at the top of the front end of the payment housing (1), and a motor shaft (301) is connected to the rear side of the micro motor (3). The rear end of the motor shaft (301) passes through the payment housing (1) and extends into the circular groove (2).

3. A risk identification device based on big data payment method as claimed in claim 2, characterized in that: A rotating disk (302) is fixed to one end of the motor shaft (301) located in the circular groove (2), and a cleaning brush (303) is fixed to one end of the rotating disk (302) away from the motor shaft (301).

4. A risk identification device based on big data payment method as claimed in claim 1, characterized in that: The front top of the payment housing (1) is embedded with a payment terminal (101).

5. The risk identification device based on big data payment method as claimed in claim 1, characterized in that: The front bottom of the payment housing (1) is provided with a square groove (204), a mounting block (205) is installed inside the square groove (204), and the upper and lower ends of the front end of the mounting block (205) are respectively embedded with a palm vein module (206) and a fingerprint module (207).

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