CN108171495A - Transfer account method, device, server and storage medium based on VTM - Google Patents
Transfer account method, device, server and storage medium based on VTM Download PDFInfo
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- CN108171495A CN108171495A CN201810020501.4A CN201810020501A CN108171495A CN 108171495 A CN108171495 A CN 108171495A CN 201810020501 A CN201810020501 A CN 201810020501A CN 108171495 A CN108171495 A CN 108171495A
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- transfer
- vtm
- information
- banquet
- attending
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The invention discloses a kind of transfer account method based on VTM, the transfer account method based on VTM is applied to server, server and VTM terminals and long-range end communication connection of attending a banquet；Include the following steps：The transfer request triggered based on VTM terminals is received, obtains the transfer information of transfer request, and triggering artificial transfer instructions immediately are judged whether according to transfer information；If the instant artificial transfer instructions of triggering, the corresponding user account information of transfer request is obtained, and is the long-range end of attending a banquet of user account connection；The proof rule of transferring accounts that end is determined according to transfer information of remotely attending a banquet is received, to carry out authentication to user according to proof rule of transferring accounts；When detect authentication by when, then give user account verification and authorize and perform Instant Transfer.The invention also discloses a kind of transfer device based on VTM, server and storage mediums.The present invention, to carrying out verification of transferring accounts, reduces the risk transferred accounts based on VTM using different proof rules.
Description
Technical field
The present invention relates to financial circles self-service device technical field more particularly to the transfer account method based on VTM, device, service
Device and storage medium.
Background technology
The business of major part bank at present, is required for being handled by business personnel to sales counter, this leads to the custom queueing time
It is long, it eventually leads to customer churn or experience declines, while excessive business just needs more staff, this can be used
Work cost increases.
Thus there is VTM (Virtual Teller Machine, VTM terminal is called virtual cabinet in existing financial industry
Member's machine) partial alternative business personnel work, VTM services are that the emerging bank of integrated electronics bank service and artificial counter service takes
Business, combine depending on, listen, self-service and special messenger service (business personnel guides client's finishing service to handle by video), such as business
Member instructs guest operation, the technology is while convenient for users, it may appear that user's operation in video with customer communication
When the unsafe hidden danger of information.
The above is only used to facilitate the understanding of the technical scheme, and is not represented and is recognized that the above is existing skill
Art.
Invention content
It is a primary object of the present invention to provide a kind of transfer account method based on VTM, device, server and storage medium,
Different verification modes is set when manually transferring accounts immediately, it is intended to reduce the risk transferred accounts based on VTM terminals.
To achieve the above object, the present invention provides a kind of transfer account method based on VTM, the transfer account method based on VTM
Include the following steps：
The transfer account method based on VTM includes the following steps：
The transfer request triggered based on VTM terminals is received, obtains the transfer information of the transfer request, and according to described turn
Account information judges whether triggering artificial transfer instructions immediately；
If the instant artificial transfer instructions of triggering, obtain the corresponding user account information of transfer request, and are the user
The long-range end of attending a banquet of account connection；
The proof rule of transferring accounts that end is determined according to transfer information of remotely attending a banquet is received, with proof rule pair of transferring accounts according to
The user for triggering transfer request carries out authentication；
When detect authentication by when, then give user account verification and authorize and perform Instant Transfer.
Optionally, if the instant artificial transfer instructions of the triggering, obtain the corresponding user account information of transfer request, and
The step of remotely attending a banquet end is connected for the user account, including：
If the instant artificial transfer instructions of triggering obtain the geographical location information carried in artificial transfer instructions immediately, with
According to the geographical location information and whole end status of remotely attending a banquet end of remotely attending a banquet is distributed for the user；
The feedback information sent based on end of remotely attending a banquet is received, the long-range end pair of attending a banquet is judged according to the feedback information
Answer whether business personnel accepts the artificial transfer request immediately；
If the long-range corresponding business personnel in end of attending a banquet accepts the artificial transfer request immediately, connect for the user account
Long-range end of attending a banquet is connect, and opens video communication.
Optionally, the long-range proof rule of transferring accounts that end is determined according to transfer information of attending a banquet of the reception, to be turned according to described
The step of account proof rule carries out authentication to the user for triggering transfer request includes：
Receive the proof rule of transferring accounts that is determined according to transfer information of end of remotely attending a banquet, and judge in the proof rule whether
Include biological characteristic validation；
If the biological characteristic validation information and pre-stored criteria are believed comprising biological characteristic validation in the proof rule
Breath is compared；
If the biological characteristic validation information and pre-stored criteria information matches, trigger the subscriber authentication of transfer request
Pass through.
Optionally, if comprising biological characteristic validation in the proof rule, by the biological characteristic validation information
The step of being compared with pre-stored criteria information includes：
If comprising biological characteristic validation rule in the proof rule, the acquisition for triggering biological characteristic validation information refers to
It enables；
Preset harvester, the face of user's specified angle of trigger collection transfer request are opened according to the acquisition instruction
Image, finger print information and/or voiceprint；
Using the face-image, finger print information and/or voiceprint as biological characteristic validation information, by the biology
Signature verification information is compared with pre-stored criteria information, to carry out authentication.
Optionally, it is described when detect authentication by when, then give user account verification authorize and perform immediately turn
The step of account, includes：
When detect authentication by when, give user account verification and authorize, and transferred accounts account based on transfer information acquisition
Family relevant information；
The transfer account relevant information is shown on the display interface of the VTM terminals, so that user is confirmed；
The confirmation instruction inputted based on VTM terminals is received, performs transferring step.
Optionally, if the instant artificial transfer instructions of the triggering, obtain the corresponding user account information of transfer request, and
After long-range the step of the holding of attending a banquet of user account connection, including：
When detecting based on the triggering remote assistance request of VTM terminals, obtain remote assistance and ask and shared password is set；
The remote assistance for carrying the shared password is asked, is sent to long-range end of attending a banquet, so that long-range end of attending a banquet is to VTM
Terminal is verified；
The verification result that end is sent of remotely attending a banquet is received, if being verified, by VTM terminal current desktops teleengineering support extremely
Long-range end of attending a banquet, so that the long-range corresponding business personnel in end of attending a banquet carries out remote assistance.
Optionally, the transfer information for receiving the transfer request triggered based on VTM terminals, obtaining the transfer request,
And after the step of judging whether to trigger artificial transfer instructions immediately according to the transfer information, including：
If not triggering instant artificial transfer instructions, the transfer information inputted based on VTM terminals is obtained, and is based on transferring accounts
Acquisition of information transfer account relevant information；
The transfer account relevant information is shown on the display interface of the VTM terminals, so that user is confirmed；
The confirmation instruction inputted based on VTM terminals is received, performs transferring step.
In addition, to achieve the above object, the present invention also provides a kind of transfer devices based on VTM；
The transfer device based on VTM includes：
Acquisition module is received, for receiving the transfer request triggered based on VTM terminals, obtains transferring accounts for the transfer request
Information, and triggering artificial transfer instructions immediately are judged whether according to the transfer information；
Link block is obtained, if for triggering artificial transfer instructions immediately, obtains the corresponding user account of transfer request
Information, and be the long-range end of attending a banquet of user account connection；
Authentication module, for receiving the proof rule of transferring accounts that long-range end of attending a banquet is determined according to transfer information, with basis
The proof rule of transferring accounts carries out authentication to the user for triggering transfer request；
Verification is transferred accounts module, for when detect authentication by when, then give user account verification and authorize and perform
Instant Transfer.
In addition, to achieve the above object, the present invention also provides a kind of servers；
The server includes：It camera, memory, processor and is stored on the memory and can be in the processing
The program of transferring accounts based on VTM run on device, wherein：
The camera obtains user's image data for shooting；
The transfer account method based on VTM as described above is realized when the program of transferring accounts based on VTM is performed by the processor
The step of.
In addition, to achieve the above object, the present invention also provides a kind of storage mediums；
The program of transferring accounts based on VTM is stored on the storage medium, the program of transferring accounts based on VTM is held by processor
The step of transfer account method based on VTM as described above is realized during row.
A kind of transfer account method based on VTM, device, VTM terminals and the storage medium that the embodiment of the present invention proposes；It is based on
The transfer account method of VTM includes the following steps：The transfer request triggered based on VTM terminals is received, obtains turning for the transfer request
Account information, and triggering artificial transfer instructions immediately are judged whether according to the transfer information；If the instant artificial transfer instructions of triggering,
The corresponding user account information of transfer request is then obtained, and is the long-range end of attending a banquet of user account connection；Reception is remotely attended a banquet
Hold the proof rule of transferring accounts that is determined according to transfer information, with transfer accounts according to proof rule to trigger the user of transfer request into
Row authentication；When detect authentication by when, then give user account verification and authorize and perform Instant Transfer.Server
Authentication is carried out to the different users that transfers accounts by using different proof rules according to transfer information difference, at the same time,
User can be based on VTM terminals and initiate to assist to ask to end of remotely attending a banquet is connected, and connection, which is remotely attended a banquet, holds corresponding business personnel sharp
The password login provided with bank obtains the business desktop of the user to be directed to VTM terminals used by a user of transferring accounts
Property guidance so that user can quickly and conveniently carry out transfer operation, ensure user's operation experience while, reduce base
In the risk that VTM terminals are transferred accounts.
Description of the drawings
Fig. 1 is the apparatus structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to；
Fig. 2 is the flow diagram of the transfer account method first embodiment the present invention is based on VTM；
Fig. 3 is the refinement flow diagram of the step S30 of the transfer account method based on VTM in Fig. 2；
Fig. 4 is the flow diagram of the transfer account method second embodiment the present invention is based on VTM；
Fig. 5 is the high-level schematic functional block diagram of one embodiment of transfer device the present invention is based on VTM；
Fig. 6 is the concrete scene schematic diagram of one embodiment of transfer account method the present invention is based on VTM.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
Due to it is of the prior art based on VTM handling bank business be that flow is handled according to front-end business, these are flowed
Cheng Tongyi is moved on line and is coordinated the information collection control of all-in-one machine and video core body component, is completed the business for facing cabinet requirement, is reached
Artificial purpose is substituted to shunting.
The present invention provides a kind of transfer account method based on VTM, and the transfer account method based on VTM is applied to server, server
With VTM terminals, long-range end communication connection of attending a banquet, asked as shown in fig. 6, server receives user based on transferring accounts of trigger of VTM terminals
It asks, obtains the transfer information of transfer request, and triggering artificial transfer instructions immediately are judged whether according to the transfer information；If it touches
The instant artificial transfer instructions of hair, the then corresponding user account information of server acquisition transfer request, and remote for user account connection
Journey is attended a banquet end, and when the long-range corresponding business personnel in end that attends a banquet receives transfer request, transfer information is sent to long-range seat by server
Xi Duan, so that the verification rule of transferring accounts that long-range end of attending a banquet (or the long-range corresponding business personnel in end that attends a banquet) determines according to transfer information
Then, server receives the proof rule of transferring accounts that end is determined according to transfer information of remotely attending a banquet, with proof rule of transferring accounts according to
Authentication is carried out to the user for triggering transfer request；When detect authentication by when, then give user account verification award
It weighs and performs Instant Transfer.
As shown in Figure 1, the server architecture schematic diagram for the hardware running environment that Fig. 1, which is the embodiment of the present invention, to be related to.
Server of the embodiment of the present invention, such as " internet of things equipment ", the intelligent air condition with network savvy, intelligent electric lamp, intelligence
Power supply etc.；Or the AR/VR equipment with network savvy, intelligent sound box, autonomous driving vehicle, PC, smart mobile phone, tablet electricity
Brain, E-book reader, pocket computer etc. have the terminal device of display function.
As shown in Figure 1, the server can include：Processor 1001, such as CPU, network interface 1004, user interface
1003, memory 1005, communication bus 1002.Wherein, communication bus 1002 is used to implement the connection communication between these components.
User interface 1003 can include display screen (Display), input unit such as keyboard (Keyboard), optional user interface
1003 can also include standard wireline interface and wireless interface.Network interface 1004 can optionally connect including the wired of standard
Mouth, wireless interface (such as WI-FI interfaces).Memory 1005 can be high-speed RAM memory or the memory of stabilization
(non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of aforementioned processor
1001 storage device.
Optionally, server can also include camera, RF (Radio Frequency, radio frequency) circuit, sensor, sound
Frequency circuit, WiFi module；Input unit, than display screen, touch screen；Network interface can be blue in blanking wireless interface in addition to WiFi
Tooth, probe, 3G/4G/5G internet base station equipment etc..Wherein, sensor such as optical sensor, motion sensor and other biographies
Sensor.Server can also configure the other sensors such as gyroscope, barometer, hygrometer, thermometer, infrared ray sensor, herein
It repeats no more.
It will be understood by those skilled in the art that the server architecture shown in Fig. 1 does not form the restriction to server, it can
To include either combining certain components or different components arrangement than illustrating more or fewer components.
As shown in Figure 1, the computer software product is stored in a storage medium (storage medium：It is called computer storage
Medium, computer media, readable medium, readable storage medium storing program for executing, computer readable storage medium are directly medium etc., such as
ROM/RAM, magnetic disc, CD) in, it is used including some instructions so that a station terminal equipment (can be mobile phone, computer services
Device, air conditioner or network equipment etc.) method described in each embodiment of the present invention is performed, it stores and is situated between as a kind of computer
Can include operating system, network communication module, Subscriber Interface Module SIM and transferring accounts based on VTM in the memory 1005 of matter should
Use program.
In server shown in Fig. 1, network interface 1004 is mainly used for connecting background data base (high in the clouds), with rear number of units
According to library (high in the clouds), into row data communication；User interface 1003 is mainly used for connecting client (user terminal), with client into line number
According to communication；And processor 1001 can be used for calling the application program of transferring accounts based on VTM stored in memory 1005, and perform
Step in the transfer account method based on VTM that following embodiment of the present invention provides.
With reference to Fig. 2, in a kind of first embodiment of the transfer account method based on VTM of the invention, the side of transferring accounts based on VTM
Method includes：
Step S10 receives the transfer request triggered based on VTM terminals, obtains the transfer information of the transfer request, and root
Judge whether triggering artificial transfer instructions immediately according to the transfer information.
User is inserted into bank card in VTM terminals, and icon of transferring accounts is clicked in VTM terminals, with triggering based on VTM terminals
Transfer request, at the same time, show and transfer accounts when VTM terminals detect that user triggers transfer request, in VTM terminal display interfaces
Information (transfer information includes beneficiary account, name, the amount of money)；Server receive user based on VTM terminals trigger transfer accounts ask
It asks, obtains the transfer information of the transfer request, and triggering artificial transfer instructions immediately are judged whether according to the transfer information,
For example, user's transfer amounts be more than preset value (preset value can be set as the case may be, for example, 50000) when, VTM terminals
Have immediately according in transfer amounts automatic trigger input by user immediately artificial transfer instructions or the display interface of VTM terminals
The button manually transferred accounts, user are manually triggered artificial transfer instructions immediately based on the button manually transferred accounts, are connect with VTM terminals
Whether server can detect user based on the instant artificial transfer instructions of button triggering manually transferred accounts.
After step S10, further include：
Step a1 if not triggering instant artificial transfer instructions, obtains the transfer information inputted based on VTM terminals, and
Transfer account relevant information is obtained based on transfer information；
Step a2 shows the transfer account relevant information on the display interface of the VTM terminals, so that user carries out
Confirm；
Step a3 is received the confirmation instruction inputted based on VTM terminals, performs transferring step.
Specifically, if server detects that user does not trigger artificial transfer instructions immediately in VTM terminals, acquisition is based on
Transfer information (the transfer information of VTM terminals input：Including the corresponding account of transfer account, transfer amounts etc.), and be based on transferring accounts
Acquisition of information transfer account relevant information, (transfer account relevant information, for example, payee's surname；) that is, server is defeated according to user
The transfer information that enters obtains the corresponding information of transfer account, and by transfer account relevant information the VTM terminals display circle
It is shown on face, so that user is confirmed；The confirmation instruction inputted based on VTM terminals is received, performs transferring step.
Step S20, if the instant artificial transfer instructions of triggering, obtain the corresponding user account information of transfer request, and be
The long-range end of attending a banquet of user account connection.
If artificial transfer instructions, server obtain the corresponding user account information of transfer request immediately for triggering, that is, service
The bank card being inserted into device identification VTM terminals, and obtain the account of the bank card of insertion, bank card address information or corresponding
Account holder's information is the user account according to user account information as the corresponding user account information of transfer request, server
The long-range end of attending a banquet of connection.Specifically：
Step b1 if the instant artificial transfer instructions of triggering, obtains the geographical location carried in artificial transfer instructions immediately
Information holds status as the long-range end of attending a banquet of user distribution all to attend a banquet according to the geographical location information and remotely；
Step b2 receives the feedback information sent based on end of remotely attending a banquet, is judged according to the feedback information described long-range
Whether the corresponding business personnel in end that attends a banquet accepts the artificial transfer request immediately；
Step b3, if the long-range corresponding business personnel in end of attending a banquet accepts the artificial transfer request immediately, for the use
The long-range end of attending a banquet of family account connection, and open video communication.
If triggering artificial transfer instructions immediately in the step of the present embodiment, obtain and carried in artificial transfer instructions immediately
Geographical location information, using according to the geographical location information and all remotely attend a banquet end status for the user distribution far
Journey is attended a banquet end；That is, server determines to need to transfer accounts to ask according to the address information (or address where VTM terminals) of bank card
The corresponding address information of transmission is sought, server obtains the long-range end state in which information of attending a banquet of corresponding address, and based on long-range
End state in which information of attending a banquet is manually to transfer accounts distribution immediately to corresponding long-range end of attending a banquet, for example, server obtains VTM ends
End present position is Shenzhen City, Guangdong Province, and server obtains Shenzhen City, Guangdong Province so the information at long-range end of attending a banquet, and according to remote
Journey, which is attended a banquet, holds state in which that will manually transfer accounts distribution immediately to corresponding long-range end of attending a banquet, and server, which receives, to be based on remotely attending a banquet
It is described instant to judge whether the long-range corresponding business personnel in end of attending a banquet accepts according to the feedback information for the feedback information that end is sent
Artificial transfer request；The artificial transfer request immediately is accepted in the long-range corresponding business personnel in end of attending a banquet, then is the user account
The long-range end of attending a banquet of connection, and open video communication.
Long-range transfer amounts of the end in transfer information of attending a banquet, it is determined whether body is carried out to the user for initiating transfer request
Part verification, that is, long-range end of attending a banquet obtains the transfer amounts in the transfer information, by the transfer amounts and default proof rule
(the corresponding proof rule of transferring accounts of different transfer amounts for including pre-selection setting in default proof rule) is compared；It obtains default
In proof rule with the matched proof rule of the transfer amounts.
Step S30 receives the proof rule of transferring accounts that end is determined according to transfer information of remotely attending a banquet, and is tested with transferring accounts according to
Card rule carries out authentication to the user for triggering transfer request.
Server receives the proof rule of transferring accounts that is determined according to transfer information of end of remotely attending a banquet, and server is according to remotely attending a banquet
The determining proof rule of transferring accounts in end carries out authentication, for example, user's transfer amounts are 5000 to the user for triggering transfer request
Member, then what end of remotely attending a banquet determined transfers accounts rule as mobile phone dynamic password verification, and server then obtains the corresponding hand of user account
Machine number, and the phone number is sent into dynamic authentication identifying code, the dynamic verification code that user can receive oneself mobile phone
It is sent to server and carries out user's progress authentication；User's transfer amounts are 50000 yuan, then what end of remotely attending a banquet determined transfers accounts
Rule adds user fingerprints to verify for mobile phone dynamic password verification, and server then obtains the corresponding phone number of user account and by institute
It states phone number and sends dynamic authentication identifying code, user can believe the dynamic verification code that oneself mobile phone receives with the fingerprint of oneself
Breath is sent to server and carries out user's progress authentication.
Step S40, when detect authentication by when, then give user account verification and authorize and perform Instant Transfer.
Server detect subscriber authentication by when, server give user account verification authorize, that is, server
Subscriber authentication by when, user can transfer accounts to the money in the bank card, and specifically, server is based on transferring accounts letter
Breath obtains transfer account relevant information；Server shows the transfer account relevant information on the display interface of VTM terminals, with
Confirmed for user；For example, show that collecting account is on the display interface of VTM terminals：6523xxxx xxxx xxxx545；
Beneficiary name：Wu (xx), the user that transfers accounts are confirmed that the confirmation that server reception is inputted based on VTM terminals refers in VTM terminals
It enables, performs transferring step.
Server transfers accounts to different by using different proof rules according to transfer information difference in the present embodiment
User carries out authentication, and at the same time, user can assist request to connect to the long-range end of attending a banquet of connection based on the initiation of VTM terminals
The long-range corresponding business personnel in end that attends a banquet is met using the password login that bank provides to VTM terminals used by a user of transferring accounts, is obtained
The business desktop of the user is targetedly to be instructed so that user can quickly and conveniently carry out transfer operation, ensure
While user's operation is experienced, the risk transferred accounts based on VTM terminals is reduced.
Further, with reference to Fig. 3, on the basis of first embodiment of the invention, this implementation of the invention is further provided
Example, difference lies in further illustrated in the present embodiment according to biological characteristic validation for the present embodiment and first embodiment of the invention
Transfer accounts user identity method；
The transfer account method based on VTM includes：
Step S31 receives the proof rule of transferring accounts that end is determined according to transfer information of remotely attending a banquet, and judges the verification rule
Whether biological characteristic validation is included in then.
Server receives the proof rule of transferring accounts that end is determined according to transfer information of remotely attending a banquet, and server acquisition is remotely attended a banquet
The determining proof rule in end, and judge whether (biological characteristic validation is pointer comprising biological characteristic validation in the proof rule
Verification to the people for triggering transfer request, that is, the biology that the biological characteristic for the user that transfers accounts and bank card are opened card people by server is special
Sign is compared, and verifies whether the user that transfers accounts is that bank card opens card people, for example, user's head portrait that server authentication is transferred accounts is with preselecting
Whether the user images of preservation are identical).
Step S32, if comprising biological characteristic validation in the proof rule, by the biological characteristic validation information and in advance
Standard information is deposited to be compared.
If server determines to trigger obtaining for biological characteristic validation information comprising biological characteristic validation rule in proof rule
Instruction fetch；Server opens the preset harvester (verification that preset harvester acquires as needed according to the acquisition instruction
Information is determined, and the verification information if desired acquired is the face-image of user, then harvester is camera, is if desired adopted
The verification information of collection is the finger print information of user, then harvester is Fingerprint Identification Unit, and the verification information if desired acquired is to use
The voiceprint at family, then harvester is recording setting), the face-image of user's specified angle of trigger collection transfer request,
Finger print information or voiceprint；Server is using the face-image, finger print information and/or voiceprint as biological characteristic
Verification information, by the biological characteristic validation information and pre-stored criteria information (pre-stored criteria information：Refer to that user opens in bank card
Card is the information of acquisition, for example, the photographic intelligence of user's shooting when bank card opens card, the user fingerprints information of acquisition) it carries out
It compares, to carry out authentication.
Step S33 if the biological characteristic validation information and pre-stored criteria information matches, triggers the user of transfer request
Authentication passes through.
Server biological characteristic validation information and pre-stored criteria information matches, then trigger the subscriber authentication of transfer request
Pass through, then server authorizes user account permission, and user can transfer accounts to the corresponding transfer account of the bank card automatically；If
The biological characteristic validation information is mismatched with pre-stored criteria information, then the subscriber authentication for triggering transfer request does not pass through,
Then server does not authorize user account permission, and user cannot transfer accounts to the corresponding transfer account of the bank card automatically, together
When server the corresponding account of the bank card is locked.
Server verifies that is, server tests the people that transfers accounts to the user for triggering transfer request in the present embodiment
Card, improves the safety for the account transferred accounts while user's operation convenience is ensured, caused by preventing user information leakage
Loss.
Further, with reference to Fig. 4, in the second embodiment the present invention is based on the transfer account method of VTM, illustrate that user is in sight
When Shi Rengong transfers accounts, user can carry out Desktop Share, and the transfer account method based on VTM includes：
Step S50 when detecting based on the triggering remote assistance request of VTM terminals, obtains remote assistance and asks and set
Shared password.
User can utilize the business such as card is opened in the completion of VTM terminals, financing is transferred accounts, in this manner it is possible to which it is small to provide 24 for client
When service；If user, when financial business is transferred accounts in selection, VTM terminals call the business interface automatically, prompt client how complete
Into transferring accounts, if client is not understood that the prompting of VTM terminals, it is possible to exchanged by video with business personnel, if with business
In member's video, card business (such as can not find certain function button) cannot be still completed out, remote assistance request can be triggered at this time,
VTM terminals generate shared password, and shared password is added to remote assistance request when receiving triggering remote assistance request
In, and server is sent to, so that remote assistance request is sent to the long-range association of the long-range end requested service person that attends a banquet by server
It helps.
Step S60 asks the remote assistance for carrying the shared password, is sent to long-range end of attending a banquet, so that long-range sit
Xi Duan verifies VTM terminals.
Remote assistance request is sent to long-range end of attending a banquet by server, and request, which is remotely attended a banquet, holds the long-range association of corresponding business personnel
It helps and asks the remote assistance for carrying the shared password, specifically, the remote assistance that server receives the transmission of VTM terminals please
It asks and (carries shared password), and then the shared password in remote assistance request can be extracted, and send according to shared password
To long-range end of attending a banquet, so that VTM terminals are verified at long-range end of attending a banquet, i.e., the long-range association that end sends server of remotely attending a banquet
Help the shared password in request and shared password (the shared password in preset VTM terminals in preset VTM terminals：It is pre-
The shared password first defined) it is compared.
Step S70 receives the verification result that end is sent of remotely attending a banquet, if being verified, VTM terminal current desktops is remote
Journey is shared to long-range end of attending a banquet, so that the long-range corresponding business personnel in end of attending a banquet carries out remote assistance.
Long-range attend a banquet holds the shared password during the remote assistance that server is sent is asked and being total in preset VTM terminals
Password is enjoyed to be compared；If the shared password in the remote assistance request that server is sent and sharing in preset VTM terminals
Password match is then verified, the shared password in the remote assistance request that server is sent and being total in preset VTM terminals
Password mismatch is enjoyed, then verifies and does not pass through, when being verified, the corresponding business personnel in end of remotely attending a banquet is receiving shared desktop
Afterwards, it is possible to which specific guidance/assistance user's operation is to complete transferred account service.
In the present embodiment when client needs remote assistance, initiate to assist to ask to end of remotely attending a banquet is connected, connection is remote
Journey attends a banquet the corresponding business personnel in end using VTM terminals used in the password login to the client of bank's offer, obtains the client
Business desktop targetedly to be instructed, the operation of the user made is more convenient, avoids other terminal devices and carries out
The security risk that viral implantation belt comes.
In addition, with reference to Fig. 5, the embodiment of the present invention also proposes a kind of transfer device based on VTM, described to be turned based on VTM
Account device includes：
Acquisition module 10 is received, for receiving the transfer request triggered based on VTM terminals, obtains turning for the transfer request
Account information, and triggering artificial transfer instructions immediately are judged whether according to the transfer information；
Link block 20 is obtained, if for triggering artificial transfer instructions immediately, obtains the corresponding user's account of transfer request
Family information, and be the long-range end of attending a banquet of user account connection；
Authentication module 30, for receiving the proof rule of transferring accounts that long-range end of attending a banquet is determined according to transfer information, with root
Authentication is carried out to the user for triggering transfer request according to the proof rule of transferring accounts；
Verification is transferred accounts module 40, for when detect authentication by when, then give user account verification and authorize and hold
Row Instant Transfer.
Wherein, the step of each Implement of Function Module of the transfer device based on VTM can refer to turns the present invention is based on VTM
Each embodiment of account method, details are not described herein again.
In addition, the embodiment of the present invention also proposes a kind of storage medium.
The storage medium is called the program of transferring accounts being stored on computer storage media based on VTM, described to be based on VTM
Program of transferring accounts operation in the transfer account method based on VTM that above-described embodiment provides is realized when being executed by processor.
It should be noted that herein, relational terms such as first and second and the like are used merely to a reality
Body/operation/object is distinguished with another entity/operation/object, without necessarily requiring or implying these entity/operations/
There are any actual relationship or orders between object；Term " comprising ", "comprising" or its any other variant meaning
Covering non-exclusive inclusion, so that process, method, article or system including a series of elements not only include that
A little elements, but also including other elements that are not explicitly listed or further include for this process, method, article or
The intrinsic element of system.In the absence of more restrictions, the element limited by sentence "including a ...", is not arranged
Except also there are other identical elements in the process including the element, method, article or system.
For device embodiment, since it is substantially similar to embodiment of the method, so describe fairly simple, it is related
Part illustrates referring to the part of embodiment of the method.The apparatus embodiments described above are merely exemplary, wherein making
The unit illustrated for separating component may or may not be physically separate.In can selecting according to the actual needs
Some or all of module realize the purpose of the present invention program.Those of ordinary skill in the art are not making the creative labor
In the case of, you can to understand and implement.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme of the present invention substantially in other words does the prior art
Going out the part of contribution can be embodied in the form of software product, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions use so that a station terminal equipment (can be mobile phone,
Computer, server, air conditioner or network equipment etc.) perform method described in each embodiment of the present invention.
It these are only the preferred embodiment of the present invention, be not intended to limit the scope of the invention, it is every to utilize this hair
The equivalent structure or equivalent flow shift that bright specification and accompanying drawing content are made directly or indirectly is used in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of transfer account method based on VTM, which is characterized in that the transfer account method based on VTM is applied to server, described
Server and VTM terminals, long-range end communication connection of attending a banquet；
The transfer account method based on VTM includes the following steps：
The transfer request triggered based on VTM terminals is received, obtains the transfer information of the transfer request, and according to the letter of transferring accounts
Breath judges whether triggering artificial transfer instructions immediately；
If the instant artificial transfer instructions of triggering, obtain the corresponding user account information of transfer request, and are the user account
The long-range end of attending a banquet of connection；
The proof rule of transferring accounts that end is determined according to transfer information of remotely attending a banquet is received, with proof rule of transferring accounts according to triggering
The user of transfer request carries out authentication；
When detect authentication by when, then give user account verification and authorize and perform Instant Transfer.
2. the transfer account method based on VTM as described in claim 1, which is characterized in that the finger if triggering is manually transferred accounts immediately
It enables, then obtains the corresponding user account information of transfer request, and the step of remotely attending a banquet end, packet are connected for the user account
It includes：
If the instant artificial transfer instructions of triggering obtain the geographical location information carried in artificial transfer instructions immediately, with basis
The geographical location information and end status of all remotely attending a banquet distribute end of remotely attending a banquet for the user；
The feedback information sent based on end of remotely attending a banquet is received, the long-range corresponding industry in end of attending a banquet is judged according to the feedback information
Whether business person accepts the artificial transfer request immediately；
If the long-range corresponding business personnel in end of attending a banquet accepts the artificial transfer request immediately, remote for user account connection
Journey is attended a banquet end, and opens video communication.
3. the transfer account method based on VTM as claimed in claim 2, which is characterized in that the reception, which is remotely attended a banquet, holds basis to turn
What account information determined transfer accounts proof rule, carries out identity to the user for triggering transfer request with proof rule of transferring accounts according to and tests
The step of card, includes：
The proof rule of transferring accounts that end is determined according to transfer information of remotely attending a banquet is received, and judges whether included in the proof rule
Biological characteristic validation；
If comprising biological characteristic validation in the proof rule, by the biological characteristic validation information and pre-stored criteria information into
Row compares；
If the biological characteristic validation information and pre-stored criteria information matches, the subscriber authentication for triggering transfer request are led to
It crosses.
4. the transfer account method based on VTM as claimed in claim 3, which is characterized in that if being included in the proof rule
Biological characteristic validation, then the step of biological characteristic validation information being compared with pre-stored criteria information, include：
If the acquisition instruction of biological characteristic validation information is triggered comprising biological characteristic validation rule in the proof rule；
Preset harvester, the face figure of user's specified angle of trigger collection transfer request are opened according to the acquisition instruction
Picture, finger print information and/or voiceprint；
Using the face-image, finger print information and/or voiceprint as biological characteristic validation information, by the biological characteristic
Verification information is compared with pre-stored criteria information, to carry out authentication.
5. the transfer account method based on VTM as described in claim 1, which is characterized in that described to detect that authentication passes through
When, then it gives user account verification and authorizes and include the step of performing Instant Transfer：
When detect authentication by when, give user account verification authorize, and based on transfer information obtain transfer account phase
Close information；
The transfer account relevant information is shown on the display interface of the VTM terminals, so that user is confirmed；
The confirmation instruction inputted based on VTM terminals is received, performs transferring step.
6. the transfer account method based on VTM as described in claim 1, which is characterized in that the finger if triggering is manually transferred accounts immediately
Enable, then obtain the corresponding user account information of transfer request, and for user account connection remotely attend a banquet end the step of after,
Including：
When detecting based on the triggering remote assistance request of VTM terminals, obtain remote assistance and ask and shared password is set；
The remote assistance for carrying the shared password is asked, is sent to long-range end of attending a banquet, so that long-range end of attending a banquet is to VTM terminals
It is verified；
The verification result that end is sent of remotely attending a banquet is received, if being verified, by VTM terminal current desktop teleengineering supports to long-range
It attends a banquet end, so that the long-range corresponding business personnel in end of attending a banquet carries out remote assistance.
7. the transfer account method based on VTM as described in claim 1, which is characterized in that described to receive what is triggered based on VTM terminals
Transfer request obtains the transfer information of the transfer request, and judges whether that triggering is immediately artificial according to the transfer information and turn
After the step of account instructs, including：
If not triggering instant artificial transfer instructions, the transfer information inputted based on VTM terminals is obtained, and based on transfer information
Obtain transfer account relevant information；
The transfer account relevant information is shown on the display interface of the VTM terminals, so that user is confirmed；
The confirmation instruction inputted based on VTM terminals is received, performs transferring step.
8. a kind of transfer device based on VTM, which is characterized in that the transfer device based on VTM includes：
Acquisition module is received, for receiving the transfer request triggered based on VTM terminals, obtains the letter of transferring accounts of the transfer request
Breath, and triggering artificial transfer instructions immediately are judged whether according to the transfer information；
Link block is obtained, if for triggering artificial transfer instructions immediately, obtains the corresponding user account information of transfer request,
And it is the long-range end of attending a banquet of user account connection；
Authentication module, for receiving the proof rule of transferring accounts that long-range end of attending a banquet is determined according to transfer information, with according to
Proof rule of transferring accounts carries out authentication to the user for triggering transfer request；
Verification is transferred accounts module, for when detect authentication by when, then give user account verification and authorize and perform immediately
It transfers accounts.
9. a kind of server, which is characterized in that the server includes：Camera, memory, processor and it is stored in described deposit
On reservoir and the program of transferring accounts based on VTM that can run on the processor, wherein：
The camera obtains user's image data for shooting；
The base as described in any one of claim 1 to 7 is realized when the program of transferring accounts based on VTM is performed by the processor
In the transfer account method of VTM the step of.
10. a kind of storage medium, which is characterized in that the program of transferring accounts based on VTM is stored on the storage medium, it is described to be based on
The transfer account method based on VTM as described in any one of claim 1 to 7 is realized when the program of transferring accounts of VTM is executed by processor
The step of.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810020501.4A CN108171495B (en) | 2018-01-08 | 2018-01-08 | Transfer method, device, server and storage medium based on VTM |
| PCT/CN2018/076376 WO2019134218A1 (en) | 2018-01-08 | 2018-02-12 | Vtm-based transfer method and device, server, and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810020501.4A CN108171495B (en) | 2018-01-08 | 2018-01-08 | Transfer method, device, server and storage medium based on VTM |
Publications (2)
| Publication Number | Publication Date |
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| CN108171495A true CN108171495A (en) | 2018-06-15 |
| CN108171495B CN108171495B (en) | 2020-03-17 |
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ID=62518120
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810020501.4A Active CN108171495B (en) | 2018-01-08 | 2018-01-08 | Transfer method, device, server and storage medium based on VTM |
Country Status (2)
| Country | Link |
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| CN (1) | CN108171495B (en) |
| WO (1) | WO2019134218A1 (en) |
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| CN109040970A (en) * | 2018-08-15 | 2018-12-18 | 中国平安人寿保险股份有限公司 | Method and terminal device are handled in plan of operation based on cloud computing |
| CN109450953A (en) * | 2018-12-29 | 2019-03-08 | 北京三快在线科技有限公司 | A kind of authorization method and device, electronic equipment and computer readable storage medium |
| CN110443621A (en) * | 2019-08-07 | 2019-11-12 | 深圳前海微众银行股份有限公司 | Video core body method, apparatus, equipment and computer storage medium |
| CN111556209A (en) * | 2020-04-27 | 2020-08-18 | 中国银行股份有限公司 | Customer service switching method and device, storage medium and electronic equipment |
| CN114531945A (en) * | 2019-09-26 | 2022-05-24 | 亚马逊科技公司 | Template-based loading of web-enabled devices |
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Also Published As
| Publication number | Publication date |
|---|---|
| WO2019134218A1 (en) | 2019-07-11 |
| CN108171495B (en) | 2020-03-17 |
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