CN115544475A

CN115544475A - Business service method and device

Info

Publication number: CN115544475A
Application number: CN202211136730.5A
Authority: CN
Inventors: 杨久霞; 踪家双; 孙玉海; 马明园
Original assignee: BOE Technology Group Co Ltd
Current assignee: BOE Technology Group Co Ltd
Priority date: 2022-09-19
Filing date: 2022-09-19
Publication date: 2022-12-30
Also published as: WO2024060951A1

Abstract

The utility model provides a business service method and device, relating to the field of Yuanuniverse business service, which can solve the problems of incomplete identity authentication and low business safety when the client transacts or transacts in Yuanuniverse bank, and comprises the following steps: acquiring the biological characteristic information of a client; according to the biological characteristic information of the client and the virtual identity information of the client, identity authentication is carried out on the client; and under the condition that the identity authentication result of the client is passed, providing a target service scene for the client according to the service transacted by the client. The present disclosure is directed to providing a metaspace business service to a customer.

Description

Business service method and device

Technical Field

The present disclosure relates to the field of meta-universe business services, and more particularly, to a business service and apparatus.

Background

With the rapid development of economy and technology, various industries are gradually transformed to digitalization. And the new generation of consumers are eager for content consumption and virtual world, and the meta universe is brought forward. In the meta universe, a consumer may possess a virtual identity that is a real person that does not exist in the real world. The appearance characteristics, basic personal settings and interest preferences of the virtual identity are set by the consumer.

Virtual identities are widely applied in the field of live broadcast and speech generation, and most of the virtual identities operate in a real person driving mode. However, in the application of the virtual identity at present, the virtual identity and the identity information of the corresponding real person are not strongly bound, so that a great potential safety hazard exists.

Disclosure of Invention

In one aspect, a method for service of a service is provided, where the method includes: acquiring biological characteristic information of a client; according to the biological characteristic information of the client and the virtual identity information of the client, identity authentication is carried out on the client; and under the condition that the identity authentication result of the client is passed, providing a target service scene for the client according to the service transacted by the client.

In some embodiments, authenticating the client based on the biometric information of the client and the virtual identity information of the client comprises: preprocessing the biological characteristic information of the client; pre-processing includes time stamping; comparing the preprocessed biological characteristic information with the virtual identity information of the client for verification, and determining a first verification result; generating a message to be confirmed according to the preprocessed biological characteristic information and the business which needs to be transacted by the client, and sending the message to the account opening mobile terminal of the client; receiving a second verification result fed back by the account opening mobile terminal of the client; and determining that the identity authentication result of the client is passed under the condition that the first verification result and the second verification result are both passed.

In some embodiments, the target traffic scenario includes one or more of: the method comprises the following steps of assisting a queuing scene, a service guide scene and a self-service handling scene, and further comprises the following steps: if the waiting time of the service required to be transacted by the client is longer than the first time threshold, providing an auxiliary queuing scene for the client; if the fact that the client does not operate within the second time length threshold value or executes the first preset operation is detected, a service guide scene is provided for the client; the first preset operation is to request the guidance of a virtual worker; if the fact that the client executes the second preset operation is detected, a self-service handling scene is provided for the client; and the second preset operation is to request self-service transaction.

In some embodiments, the virtual identity information of the customer is stored in a metaspace banking server or a CRM system server; before authenticating the identity of the client according to the physical identity information of the client and the virtual identity information of the client, the method further comprises: acquiring physical identity information of a client; the physical identity information of the customer comprises the biological characteristic information of the customer and the account data information of the customer; determining a biological characteristic algorithm model of the virtual identity of the client according to the physical identity information of the client; determining the virtual identity information of the client according to the biological characteristic algorithm model of the virtual identity of the client; the virtual identity information of the customer is stored to a metaspace bank or CRM system server.

In some embodiments, the biometric information of the customer includes one or more of: fingerprint characteristic information, voiceprint characteristic information, iris characteristic information, face characteristic information, palm vein characteristic information and finger vein characteristic information; before determining the physical identity information of the customer, the method further comprises: acquiring account data information of a client; the account data information of the customer includes one or more of the following: customer name, customer identity ID, account opening timestamp, account password, guest group attribute information.

In some embodiments, the biometric algorithmic model of the virtual identity of the customer is determined according to the following steps: based on a biological feature image enhancement algorithm, performing feature extraction on biological feature information, a client name, a client Identity (ID) and guest group attribute information of a client to determine at least one feature vector; determining a biometric algorithm model of the virtual identity of the customer based on the at least one feature vector; adding an account opening time stamp to the biological characteristic information of the client, the name of the client, the ID of the client, the attribute information of the client group and the biological characteristic algorithm model of the virtual identity of the client to determine block data; and determining the virtual identity of the client according to the block data.

In some embodiments, the above method further comprises: and sending the block data to the block chain link points.

In some embodiments, before obtaining the biometric information of the client, the method further comprises: detecting customer behavior; providing a guest greeting service for the customer by a virtual worker under the condition that the behavior of the customer is detected to be a touch behavior; the welcome service comprises active welcome reception, service guide and consultation service provided for the client; and responding to a third preset operation of the client, and determining the business required to be handled by the client.

In another aspect, a business service apparatus is provided, including: an acquisition unit and a processing unit; an acquisition unit configured to acquire biometric information of a client; a processing unit configured to authenticate the identity of the client based on the biometric information of the client and the virtual identity information of the client; and the processing unit is also configured to provide a target service scene for the client according to the service transacted by the client requirement under the condition that the identity authentication result of the client is passed.

In some embodiments, the processing unit is further configured to pre-process the biometric information of the client; the pre-processing comprises time stamping; the processing unit is also configured to compare the preprocessed biological characteristic information with the virtual identity information of the client for verification, and determine a first verification result; the processing unit is also configured to generate a message to be confirmed and send the message to the account opening mobile terminal of the client according to the preprocessed biological characteristic information and the service which is determined by the client to be transacted; receiving a second verification result fed back by the account opening mobile terminal of the client; the processing unit is further configured to determine that the identity authentication result for the client is passed if the first verification result and the second verification result are both passed.

In some embodiments, the processing unit is further configured to provide an auxiliary queuing scenario for the client if the waiting time of the service that the client needs to transact is longer than a first time threshold; the processing unit is further configured to provide a service guide scene for the client if the fact that the client does not operate within the second time length threshold value or the first preset operation is executed is detected; the first preset operation is to request the guidance of a virtual worker; the processing unit is further configured to provide a self-service handling scene for the client if the fact that the client executes a second preset operation is detected; and the second preset operation is to request self-service business handling.

In some embodiments, the obtaining unit is further configured to obtain physical identity information of the customer; the physical identity information of the client comprises the biological characteristic information of the client and the account data information of the client; a processing unit further configured to determine a biometric algorithmic model of the virtual identity of the customer based on the physical identity information of the customer; a processing unit further configured to determine virtual identity information of the customer based on a biometric algorithmic model of the virtual identity of the customer; a processing unit further configured to store the virtual identity information of the customer to a metasbank or CRM system server.

In some embodiments, the obtaining unit is further configured to obtain account data information of the customer; the account data information of the customer includes one or more of the following: customer name, customer identity ID, account opening timestamp, account password, guest group attribute information.

In some embodiments, the processing unit is further configured to perform feature extraction on the biometric information of the customer, the customer name, the customer identity ID and the customer group attribute information based on a biometric image enhancement algorithm, and determine at least one feature vector; a processing unit further configured to determine a biometric algorithmic model of the virtual identity of the customer based on the at least one feature vector; a processing unit further configured to apply an account opening timestamp to the biometric algorithm model of the biometric information of the customer, the customer name, the customer identity ID, the customer group attribute information, and the virtual identity of the customer to determine tile data; the processing unit is further configured to determine a virtual identity of the customer based on the tile data.

In some embodiments, the business service apparatus further comprises: a transmitting unit; a transmitting unit configured to transmit the block data to the block link points.

In some embodiments, the processing unit is further configured to detect customer behavior; a processing unit further configured to provide a guest greeting service for the customer by a virtual staff member in case it is detected that the customer behavior is a reach behavior; the welcome service comprises active welcome reception, service guidance and consultation service provided for the client; and the processing unit is also configured to respond to a third preset operation of the client and determine the business required to be transacted by the client.

In yet another aspect, a computer-readable storage medium is provided. The computer readable storage medium stores computer program instructions which, when run on a computer (e.g. a business service apparatus), cause the computer to perform a business service apparatus method as described in any of the embodiments above.

In yet another aspect, a computer program product is provided. The computer program product comprises computer program instructions which, when executed on a computer (e.g. a business service apparatus), cause the computer to perform the business service apparatus method as described in any of the embodiments above.

In yet another aspect, a computer program is provided. When the computer program is executed on a computer (e.g., a business service apparatus), the computer program causes the computer to execute the business service apparatus method as described in any of the embodiments above.

Drawings

In order to more clearly illustrate the technical solutions in the present disclosure, the drawings needed to be used in some embodiments of the present disclosure will be briefly described below, and it is apparent that the drawings in the following description are only drawings of some embodiments of the present disclosure, and other drawings can be obtained by those skilled in the art according to the drawings. Furthermore, the drawings in the following description may be considered as schematic diagrams, and do not limit the actual size of products, the actual flow of methods, the actual timing of signals, and the like, involved in the embodiments of the present disclosure.

Fig. 1 is a schematic view of an application scenario of a business service method according to some embodiments;

FIG. 2 is a block diagram of a business service system according to some embodiments;

FIG. 3 is a flow diagram of a business service method provided in accordance with some embodiments;

FIG. 4 is a schematic illustration of a service scenario provided in accordance with some embodiments;

FIG. 5 is a schematic diagram of another service scenario provided in accordance with some embodiments;

FIG. 6 is a schematic diagram of another service scenario provided in accordance with some embodiments;

FIG. 7 is a flow diagram of another business service method provided in accordance with some embodiments;

FIG. 8 is a flow diagram of another business service method provided in accordance with some embodiments;

FIG. 9 is a flow diagram of another business service method provided in accordance with some embodiments;

FIG. 10 is a flow diagram of another business service method provided in accordance with some embodiments;

FIG. 11 is a schematic diagram of a display screen of a display terminal according to some embodiments;

FIG. 12 is a schematic view of a display screen of another display terminal provided in accordance with some embodiments;

FIG. 13 is a block diagram of a business service apparatus provided in accordance with some embodiments;

FIG. 14 is a block diagram of another business service apparatus provided in accordance with some embodiments.

Detailed Description

Technical solutions in some embodiments of the present disclosure will be clearly and completely described below with reference to the accompanying drawings, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all of the embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments provided by the present disclosure belong to the protection scope of the present disclosure.

Unless the context requires otherwise, throughout the description and the claims, the word "comprise" and its other forms, such as "comprises" and "comprising", will be interpreted as open, inclusive meaning that the word "comprise" and "comprises" will be interpreted as meaning "including, but not limited to", in the singular. In the description of the specification, the terms "one embodiment", "some embodiments", "example", "specific example" or "some examples" and the like are intended to indicate that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the present disclosure. The schematic representations of the above terms are not necessarily referring to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be included in any suitable manner in any one or more embodiments or examples.

In the following, the terms "first", "second" are used for descriptive purposes only and are not to be understood as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of that feature. In the description of the embodiments of the present disclosure, "a plurality" means two or more unless otherwise specified.

"at least one of A, B and C" has the same meaning as "at least one of A, B or C" and includes combinations of the following A, B and C: a alone, B alone, C alone, a combination of A and B, A and C in combination, B and C in combination, and A, B and C in combination.

"A and/or B" includes the following three combinations: a alone, B alone, and a combination of A and B.

As used herein, the term "if" is optionally interpreted to mean "when 8230; \8230, when" or "at 8230; \8230, when" or "in response to a determination" or "in response to a detection", depending on the context. Similarly, the phrase "if it is determined \8230;" or "if [ a stated condition or event ] is detected" is optionally interpreted to mean "upon determining 8230; \8230, or" in response to determining 8230; \8230; "or" upon detecting [ a stated condition or event ], or "in response to detecting [ a stated condition or event ], depending on the context.

The use of "adapted to" or "configured to" herein means open and inclusive language that does not exclude devices adapted to or configured to perform additional tasks or steps.

Additionally, the use of "based on" is meant to be open and inclusive in that a process, step, calculation, or other action that is "based on" one or more stated conditions or values may, in practice, be based on additional conditions or exceed the stated values.

As used herein, "about," "approximately" or "approximately" includes the stated value as well as average values within an acceptable range of deviation for the particular value as determined by one of ordinary skill in the art in view of the measurement in question and the error associated with measuring the particular quantity (i.e., the limitations of the measurement system).

As used herein, "parallel," "perpendicular," and "equal" include the stated case and cases that approximate the stated case to within an acceptable range of deviation as determined by one of ordinary skill in the art in view of the measurement in question and the error associated with the measurement of the particular quantity (i.e., the limitations of the measurement system). For example, "parallel" includes absolute parallel and approximately parallel, where an acceptable deviation from approximately parallel may be, for example, within 5 °; "perpendicular" includes absolute perpendicular and approximately perpendicular, where an acceptable deviation from approximately perpendicular may also be within 5 °, for example. "equal" includes absolute and approximate equality, where the difference between the two, which may be equal within an acceptable deviation of approximately equal, is less than or equal to 5% of either.

Virtual identities are widely applied in the field of live broadcast and speech generation, and most of the virtual identities operate in a real person driving mode. However, in the current application of virtual identities, the virtual identities and the identity information of corresponding real persons are not strongly bound, so that great potential safety hazards exist.

For example, in the metauniverse bank of the digital industry age, consumers (hereinafter, customers) can transact banking or perform transactions with virtual identities. However, if the physical identity of the customer in the real world and the virtual identity in the virtual environment are simply mapped, the physical identity of the customer in the real world and the virtual identity in the virtual environment are not strongly bound, which easily causes the account of the customer to be stolen, and causes a serious transaction safety problem. In addition, in the transaction process of the Yuan universe bank at the present stage, the identity authentication process of the client is not perfect, and the safety of the business transaction cannot be ensured properly.

In view of this, the present disclosure provides a business service method and device, so as to solve the problems in the prior art that when a customer performs business handling or transaction in the metastic bank, the identity authentication is not perfect and the business security is not high. The method provided by the disclosure can also provide various target scenes aiming at the business required to be handled by the client, and meet the business handling requirements of the client.

It should be noted that, in the business service method provided by the present disclosure, the execution subject is a business service device. The business service device may be a server, or may be a device coupled to a part of the server, such as a system-on-chip in the server. The business service device comprises:

the processor, which may be a Central Processing Unit (CPU), a microprocessor, an application-specific integrated circuit (ASIC), or one or more ics for controlling the execution of programs in accordance with the disclosed aspects.

A transceiver, which may be any device using any transceiver or the like, for communicating with other devices or communication networks, such as ethernet, radio Access Network (RAN), wireless Local Area Networks (WLAN), etc.

Memory, which may be, but is not limited to, read-only memory (ROM) or other types of static storage devices that may store static information and instructions, random Access Memory (RAM) or other types of dynamic storage devices that may store information and instructions, electrically erasable programmable read-only memory (EEPROM), compact disk read-only memory (CD-ROM) or other optical disk storage, optical disk storage (including compact disk, laser disk, optical disk, digital versatile disk, blu-ray disk, etc.), magnetic disk storage or other magnetic storage devices, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer. The memory may be separate and coupled to the processor via a communication link. The memory may also be integral to the processor.

It is noted that embodiments of the present disclosure may be referred to or referred to one another, for example, the same or similar steps, method embodiments, system embodiments, and apparatus embodiments may be referred to one another, without limitation.

The embodiments of the present disclosure will be described in detail below with reference to the accompanying drawings.

Illustratively, as shown in fig. 1, fig. 1 is a schematic view of an application scenario of a business service method provided according to some embodiments. In the application scenario of fig. 1, there are included a digital business service system 10, a customer 20, and a metasbanking server 30.

Among them, the digital business service system 10 can provide the meta-universe virtual business service for the client 20 based on human-computer interaction.

After the customer 20 performs the corresponding operation and is detected by the digital business service system 10, the digital business service system 10 can respond to the operation of the customer 20 and realize accurate interaction with the customer 20 through the interaction device in the business service system 10.

And the metasbanking server 30 is used for receiving the communication data transmitted by the business service system 10 so as to implement metasbanking of the client 20.

The application scenarios of a service method provided in some embodiments of the present disclosure are described above.

Illustratively, as shown in fig. 2, fig. 2 is a schematic diagram of an architecture of a digital service system according to some embodiments. In fig. 2, the digital service system 10 includes: interactive system 11, computing platform 12, storage module 13, and digital service management platform 14.

Wherein, the interactive system 11 is used for realizing the interaction with the metasma for the client 20.

In some embodiments, the interactive system 11 presents the service scenario to the customer 20 by setting up an interactive terminal. For example, the interactive terminal may be a display terminal, a VR terminal, or an AR terminal, etc.

In some embodiments, the interactive system 11 has interaction rules built in to enable the interactive system 11 to implement human-machine interaction according to the operation of the customer 20.

In some embodiments, the interactive system 11 is provided with a sensing device or other sensor device with detection function to collect information about the customer and detect status and behavior information of the customer. For example, the sensing device is used for sensing the position, state and behavior information of the client, and the sensing device package can select the type sensing devices such as a camera, a motion sensing device, a touch device, a radar and a voiceprint recognition device based on different application subdivision scenes.

In some embodiments, in a case that the interactive system 11 is provided with a sensing device, the Customer information sensed by the sensing device is stored in the storage module 13, and is simultaneously sent to the digital business Management platform 14, so that the digital business Management platform 14 determines the identity information of the Customer according to the information of the Customer, and the digital business Management platform 14 may further send to a metaspace bank server or a Customer Relationship Management (CRM) system to perform Customer identity recognition to determine the identity information of the Customer.

And the computing platform 12 is configured to compute the state information and the behavior information of the client 20, which are acquired by the interactive system 11, so as to ensure that the interaction between the service scene and the virtual worker provided by the subsequent digital service management platform 14 is accurate. In addition, the computing platform 12 is also used to compute the internet of things status of the business scenario and upload the relevant data of the internet of things status to the digital business management platform 14, so that the digital business management platform 14 records the data,

in some embodiments, the computing platform 12 can further accurately compute a behavior instruction of the client based on the real-time location, the state of the client, the behavior of the client, and the service requirement information of the client, which are sensed by the interactive system 11, and then feed the instruction back to the interactive terminal, so that the interactive terminal accurately presents the service scene according to the instruction. Illustratively, the content presented by the interactive terminal in the interactive system 11 includes scene space, scene service transaction process information, service transaction amount information, current queue condition, and environmental condition.

In some embodiments, the computing platform 12 is further configured to compute, for a client entering a business space (e.g., metasbank), a category of the client to which the current client belongs, that is, whether the current client is an inventory client or a visiting client, based on the relevant information of the client collected by the sensing device in the interactive system 11.

In some embodiments, the computing platform 12 is further configured to compute and determine sex, character, age, asset condition, consumption habit, environmental information, and the like of the current client based on the information about the client collected by the sensing device in the interactive system 11. After that, the digital business service system 10 generates a virtual identity for the current client according to the calculation result, so that the client can log in the metaspace bank to handle the required business with the virtual identity.

In some embodiments, the computing platform 12 is also used to compute Internet of things status data for business scenarios offered to customers. After that, the digital business service system 10 can provide personalized services for the customers based on the internet of things status data. Illustratively, the internet of things status data may include: festival, solar terms, weather, etc.

And the storage module 13 is used for storing the data sensed and processed by the interactive system 11, model data of a service scene provided by the digital service management platform 14, data generated by the interactive system 11 in response to the customer behavior, and the like.

In some embodiments, storage module 13 is also used to store data determined after the analysis of the calculations by computing platform 12. For example, the computing platform 12 calculates and determines the gender, character, age, asset condition, consumption habit, and environmental information of the current client according to the information about the client collected by the sensing device in the interactive system 11, or calculates the internet of things status data of the service scene provided for the client by the computing platform 12.

The digital service management platform 14 is configured to manage multimedia material content and data of a digital service scene, a 3D virtual space model and data of the digital service scene, a virtual identity model and data, a virtual employee model and data, digital service scene interaction data, and personalized recommendation service data. And the digital business management platform 14 is also used for data interaction with the metaspace bank so as to realize the metaspace bank business handling of the client.

In some embodiments, the digital business management platform 14 may be configured with a digital content management unit, a digital twin business scene space management unit, a data management unit, and a personalized service recommendation management unit to implement the management functions of the multimedia material content and data of the digital business scene, the 3D virtual space model and data of the digital business scene, the virtual identity model and data, the virtual employee model and data, the digital business scene interaction data, and the personalized recommendation service data of the digital business scene.

In some embodiments, the digital business management platform can communicate data with the CRM server according to a communication link.

In some embodiments, when computing platform 12 and storage module 13 are located locally, to relieve computing resource utilization of local devices, computing platform 12 and storage module 13 may be located in an edge box 15 (shown in dashed boxes) based on edge cloud computing technology.

The functions of the interactive system 11, the computing platform 12, the storage module 13 and the digital service management platform 14 included in the digital service system 10 provided by the present disclosure are described above.

The following is an exemplary description of the functions that the digital business service system 10 can implement based on the interaction rules:

1. client-aware functionality

It should be noted that the client-aware function can be divided into functions of client behavior awareness, virtual worker reception, virtual worker information presentation, and the like.

1.1, a function of perceiving client behaviors: the interactive system 11 senses the behavior of the client through the sensing device. For example, the behaviors of touch, away, gesture operation and the like of the client are sensed.

1.2, virtual staff reception function: the interactive system 11 displays virtual staff at the interactive terminal to welcome and receive customers.

1.3, virtual staff information presentation function: the interactive system 11 displays the information of the virtual staff member for the customer to review.

For example, when the sensing device of the interactive system 11 senses the touch behavior of the client, the virtual worker is presented on the interactive display terminal for welcoming and reception, and the interactive terminal also displays the information of the virtual worker for the client to review.

2. Function for collecting customer information

It is understood that the interactive system 11 can collect information of the customer through the sensing device.

For example, the interactive system 11 may be provided with a camera and a fingerprint collecting device to collect the face feature information, the iris feature information and the fingerprint feature information of the client.

3. Computing and storing client identity functionality

It should be noted that the function of calculating and storing the client identity can be divided into functions of identifying the attribution type of the client, calling stock client information, directing access to the client to open an account, presenting the client identity information, and the like.

3.1, a client attribution category identification function: the interactive system 11 sends the client information to the computing platform 12 based on the function of collecting the client information, and the computing platform 12 determines the attribution type of the current client according to the client information. For example, the attribution category of the client comprises an inventory client and an access client, wherein the inventory client is the client which has completed the account opening operation and has a historical access record, and the access client is the client which has accessed for the first time and has not opened an account. Based on this, the interactive system 11 can determine whether the current customer is a stock customer or a visiting customer.

3.2, calling stock customer information function: the computing platform 12 accesses the customer information database and invokes information associated with the customer. In some embodiments, the computing platform 12 may send the called customer information to the interactive system 11, and after being filtered by the interactive system 11, the customer information with low public and secret requirements is displayed to the customer on the interactive terminal. In some embodiments, the customer information database may be a database in the digital business management platform, or may be a database provided in the metaspace banking server. When the client information database is the latter, the digital business management platform acquires information related to the client by sending a call request to the metaseque bank server.

3.3, guiding access to a client account opening function: the interactive system 11 directs the visiting customer to perform an account opening operation. It can be understood that, in the process of an account opening operation of an accessing client, information related to the accessing client needs to be collected, and at this time, the interactive system 11 can perform, calculation and storage of feature information on the accessing client in combination with the computing platform 12. For example, the sex, age and character information of the client are analyzed, calculated and stored.

3.4, presenting the client identity information function: the interactive system 11 displays the identity information of the customer on the interactive terminal for the customer to review. For example, in conjunction with the description in 3.2, the interactive system 11 can display the customer information that is publicized and has low security requirements to the customer on the interactive terminal. Or, the interactive system 11 presents the corresponding virtual identity to the client in the business scene based on the interactive terminal, so as to bring the client with an immersive meta-universe business experience.

It is understood that the function of calculating and storing the identity of the client can assist the digital business service system 10 in collecting and calling the identity information of the client.

4. Service information uploading and service scene pushing functions

It should be noted that the functions of uploading service information and pushing service scenes may be divided into functions of uploading service information and pushing service scenes.

4.1, a customer requirement analysis function: after the customer performs corresponding operations through the interactive system 11, the interactive system 11 responds to the operations of the customer to send information for reflecting the customer requirements to the computing platform 12, and the computing platform 12 can analyze and calculate the customer requirements accordingly and send the analysis and calculation results to the digital service management platform 14.

4.2, a service scene pushing function: the digital service management platform 14 pushes the corresponding service scene to the interactive terminal of the interactive system 11 according to the requirement of the customer, and the interactive terminal displays the scene to the customer.

It can be understood that the service information uploading and service scenario pushing functions can provide service scenarios for customers based on the needs of the customers.

5. Personalized service providing function

It can be appreciated that different customers have different business requirements. In the present disclosure, in a specific service scenario provided by the digital service management platform 14 for a customer, the interaction behavior of a virtual worker providing service for the customer is obtained through AI technical training in advance, and can provide required service for the customer through voice, text, corresponding video and animation, and interact with the customer. And each service scene is that the digital service management platform 14 makes intelligent decision by combining the analysis result of the computing platform 12 on the behavior and the input information of the client, so as to provide the intelligent decision for the client, and meet the personalized service requirement of the client.

6. Personalized service presentation functionality

It can be understood that, after determining the personalized service scenario provided for the customer through intelligent decision according to the customer's requirement, the digital service management platform 14 may send the relevant information of the service scenario to the interactive terminal of the interactive system 11, so that the interactive terminal presents the service scenario to give the customer an immersive and immersive sensation. The interactive terminal now presents a digital service scenario in a virtual spatial dimension and in a real time dimension.

The functions that can be implemented by the digital business service system 10 provided by the present disclosure are specifically described above.

The digital business interaction system can provide a multi-dimensional interactive financial scene for a client, immersive interactive experience is brought to the client, brand propaganda strength when the client contacts with business is improved, business handling experience of the client is improved, stickiness of the client is increased, and propaganda and display of the Yuanzhou bank business are facilitated.

It should be noted that the digital service interaction system provided by the present disclosure may be implemented as a service device. In this case, the interactive system, the computing platform, the storage module and the digital service management platform in the digital service interactive system may be configured as modules in a service device.

It should be noted that, in the business service method provided by the present disclosure, the execution subject is a business service device. The business service device may be an electronic device (e.g., a computer terminal, a server), a processor in the electronic device, a control module for business service in the electronic device, or a client for business service in the electronic device.

The following describes a flow of the service method provided in this embodiment.

Exemplarily, as shown in fig. 3, fig. 3 is a business service method provided according to an embodiment, which includes the following steps:

step 301, the service device obtains the biometric information of the client.

Wherein the biometric information of the client may include one or more of: fingerprint characteristic information, voiceprint characteristic information, iris characteristic information, human face characteristic information, palm vein characteristic information and finger vein characteristic information. It can be understood that, in combination with the introduction of the functions of the digital business interaction system described above, in the case that the digital business interaction system is implemented as a business service apparatus, the business service apparatus may obtain the biometric information of the customer based on the customer sensing function and the customer information collecting function.

In a possible implementation manner, the business service apparatus may set a camera to obtain iris feature information and face feature information of the client, set a fingerprint collecting device to obtain fingerprint feature information of the client, set a vein information collecting device to obtain palm vein feature information and finger vein feature information of the client, and set a voiceprint collecting device to obtain voiceprint feature information of the client.

In a possible implementation manner, after acquiring the biometric information of the customer, the business service device stores the biometric information of the customer in the storage module, and can also send the biometric information of the customer to a customer management system of a main bank of the metastic bank and a local virtual website server of the metastic bank, so that double backup of a cloud and an edge is realized, the security of the biometric information of the customer can be ensured, and low time delay can be realized by using edge calculation.

Step 302, the business service device authenticates the identity of the client according to the biological characteristic information of the client and the virtual identity information of the client.

The virtual identity information of the client is related information of a virtual identity registered when the client transacts the Yuanzhou banking business through the business service device for the first time. Illustratively, the virtual identity information of the customer may include one or more of: the client's avatar, virtual name, virtual asset, virtual social relationship, etc.

It should be noted that the virtual identity of the client is the only identity mark of the client in the metasbank, and the client can access the metasbank and handle the business only through the virtual identity.

In one possible implementation manner, in the embodiment of the disclosure, when a customer accesses the metasma bank for the first time, the business service apparatus determines a virtual identity of the customer based on the biometric information and the account data information of the customer, and the virtual identity has uniqueness. Specifically, when the business service apparatus determines that the current client is the client who is visited for the first time based on the client attribution type identification function, the business service apparatus collects the biometric information and the account data information of the client, and determines the virtual identity of the client according to the biometric information and the account data information of the client.

In a possible implementation manner, in the embodiment of the present disclosure, after the virtual identity of the client is determined, the relevant information of the virtual identity of the client may be stored on the blockchain according to a blockchain technique, so as to ensure the security and the uniqueness of the virtual identity of the client.

Illustratively, the biometric information of the client includes iris feature information. When the business service device determines that the current client is the client who is accessed for the first time, iris characteristic information of the client is collected; after that, the business service device establishes an iris algorithm model for designing a virtual identity based on the iris characteristic information and account data information of the client. And then, the business service device migrates the biological characteristic information and the account number data information of the client to the virtual identity according to the iris algorithm model, and designs the virtual identity which is strongly bound with the biological characteristic of the client.

It can be understood that, since the virtual identity is based on the biometric information of the client, the virtual identity of the client is unique while the iris feature information ensures the uniqueness of the client identity.

In a possible implementation manner, the process of the business service apparatus performing identity authentication on the client according to the biometric information of the client and the virtual identity information of the client specifically includes two verification processes, which are specifically described below:

the verification process I comprises a business service device side verification process.

In the verification process, after the business service device preprocesses the biological characteristic information of the client, the business service device performs comparison verification by combining the virtual identity information of the client to determine a first verification result.

And a second verification process and a client side verification process.

In the verification process, the service device generates a message to be confirmed by combining the preprocessed biological characteristic information of the client with the service transacted by the client requirement and sends the message to the account opening client of the client. And after the client confirms on the account opening client, the business service device receives the information fed back by the account opening client and determines a second verification result according to the information.

Further, in the case that both the first verification result and the second verification result are passed, the business service apparatus determines that the identity authentication result for the client is passed.

It should be noted that, the flow of the business service apparatus authenticating the identity of the client specifically according to the biometric information of the client and the virtual identity information of the client refers to the following steps 701 to 705, which are not described herein again.

Step 303, the service device provides a target service scene for the client according to the service handled by the client requirement under the condition that the identity authentication result of the client is passed.

In a possible implementation manner, if the service device passes the identity authentication result of the client, the service device may obtain the service required by the client based on the client sensing function and the client information collecting function when the digital service interaction system is implemented as the service device. Furthermore, the business service device provides a target business scene for the client according to the business handled by the client demand.

Illustratively, the target business scenario provided by the business service apparatus may include one or more of: an auxiliary queuing scene, a service guide scene and a self-service handling scene. The following describes a target service scenario provided by a service device in detail:

in the first case, the waiting time of the service required to be handled by the client is longer than the first time threshold.

At this time, it is described that the business requested by the client is a hot business, and the number of people who have been handled before is large, and a long time is required to wait. Furthermore, the business service device can provide a queuing assisting scene for the client, help the client to queue, and inform the client to perform business transaction after the queuing is completed.

It can be understood that, in the case that the service device provides an auxiliary queuing scenario for the customer, and is implemented as the service device in combination with the digital service interaction system, as shown in fig. 4, the scenario can be implemented as follows: for a service scenario a in which multiple users (i.e. more than three users) are queued, the digital service interaction system queues the virtual identities of the different clients according to the login sequence of the virtual identities of the clients (i.e. virtual identity 1, virtual identity 2, and virtual identity 3 in the figure). When the digital service interaction system transacts services for the virtual identity 1 in sequence, the digital service interaction system guides the virtual identity 1 to a service scene A to transact services, and the virtual identity 2 and the virtual identity 3 are in a queue state; when the virtual identity 1 service transaction is finished, the system sends an invitation to the virtual identity 2 and guides the virtual identity 2 to the service scene A for transaction, and at the moment, the virtual identity 3 queues up for waiting. In a possible implementation manner, if the number of virtual identities queued by the client is too large, the digital service interaction system can remind the client of too many queuing people and please handle other services in advance.

And in the second situation, the client does not operate or executes the first preset operation within the second time length threshold.

In a possible implementation manner, the first preset operation of the client is a click or slide operation performed on the interactive terminal. Correspondingly, the interactive terminal is provided with a request guidance button, or the interactive terminal is provided with a request guidance virtual button in a displayed interactive interface, and a client clicks the button to indicate that a service device is requested to guide service handling.

At this time, it is stated that the client is unfamiliar with the service required to be transacted, and does not make the next action within a certain time, or the client directly requests the service device to guide the transaction. Furthermore, the business service device can provide a business guide scene for the client, guide the client to handle business through virtual staff,

it can be understood that, in the case that the service guide scenario provided by the service device for the customer is implemented as the service device in combination with the digital service interaction system, as shown in fig. 5, the scenario can be implemented as follows: the business scenes corresponding to the metastic banking business are multiple, when the virtual identity logs in the business selected to be handled by the metastic banking, the digital business interaction system provides a business guide scene, such as a visual guide interface, for the client, and the guide interface can be used for setting voice or text reminding so as to guide the virtual identity of the client to reach the corresponding business scene for handling the business. When a client transacts business, the digital business interaction system distributes virtual workers aiming at different business scenes, and the virtual workers can provide personalized service for the client. Illustratively, the personalization service includes specialized skills of virtual workers for the same business scenario, and a virtual worker avatar designed based on the characteristics of the current customer.

And step three, the client executes a second preset operation.

In a possible implementation manner, the second preset operation of the client is to perform a click or slide operation on the interactive terminal. Correspondingly, the interactive terminal is provided with a self-service handling button, or the interactive terminal is provided with a self-service handling virtual button in a displayed interactive interface, and a client clicks the button to indicate that the client does not need the guidance of virtual workers and requests to enter a self-service handling scene.

At this time, the customer is familiar with the business required to be handled, and the self-service is directly selected without the guidance of virtual staff. Furthermore, the business service device can provide a self-service handling scene for the client, so that the client can handle business by self.

It can be understood that, in the case that the business service apparatus provides a self-service handling scenario for the customer, and is implemented as the business service apparatus in combination with the digital business interaction system, as shown in fig. 6, the scenario can be implemented as follows: the digital service interaction system provides a self-service transaction scene for the client, and does not distribute virtual workers for the client, so that the client can perform self-service transaction. In addition, the customer can send an instruction for requiring virtual workers through a touch interaction or voice mode, and the digital business interaction system distributes the virtual workers for the customer to serve after receiving the instruction.

Based on the technical scheme, the embodiment obtains the biological characteristic information of the client and compares the biological characteristic information with the corresponding virtual identity information of the client in the meta universe to realize the identity authentication of the client, and under the condition that the identity authentication result of the client is passed, the service transacted according to the client requirement provides a plurality of target service scenes for the client. Therefore, the security verification of the identity of the client is realized, the security of the property of the client is guaranteed, various target scenes meeting the requirements can be provided for the client, the business handling experience of the client is improved, the viscosity of the client is increased, and the promotion and display of the Yuanzhou bank business are facilitated.

Exemplarily, referring to fig. 3 and fig. 7, fig. 7 is a diagram of another service method provided according to an embodiment, which includes the following steps:

step 701, the business service device preprocesses the biological characteristic information of the client.

In one possible implementation, the business service apparatus preprocessing the biometric information of the customer includes time-stamping the biometric information of the customer.

Step 702, the service device compares the preprocessed biological characteristic information with the virtual identity information of the client for verification, and determines a first verification result.

It is understood that, since the virtual identity of the customer is determined based on the biometric information of the customer, the virtual identity of the customer and the biometric information should correspond in the case where the customer logs in the metachroc bank himself. Furthermore, after the business service device compares and verifies the preprocessed biological characteristic information and the virtual identity information of the client, when the first verification result is that the client logs in for the user, the security risk does not exist; when the first verification result is that the client is not logged in for oneself, namely the first verification result is not passed, the client logs in for oneself, and safety risks exist.

Specifically, taking the example that the biological characteristic information of the client includes the iris characteristic information, when the digital business interaction system is implemented as a business service device, the business service device extracts the iris characteristic information in the biological characteristic information after preprocessing; after that, the business service device extracts the iris specific diagnosis information which is collected and stored when the client is used for determining the virtual identity from the storage module based on the identity function of the client which is calculated and stored, compares the stored iris characteristic information with the iris characteristic information extracted from the preprocessed biological characteristic information, and if the comparison result of the two information is consistent, determines that the first verification result is passed.

And step 703, the business service device generates a message to be confirmed according to the preprocessed biological characteristic information and the business required to be transacted by the client, and sends the message to the account opening mobile terminal of the client.

The information to be confirmed comprises an equipment identifier of acquisition equipment of the business service device, and biological characteristic information, account information and timestamp information of a client.

Illustratively, the message to be confirmed generated by the business service apparatus may be in the form of a two-dimensional code. When the client determines that the operation is the personal operation, the two-dimension code is scanned on the account opening client and the verification is confirmed, the account opening client of the client feeds back a second verification result indicating that the verification of the client side is passed to the service device. Similarly, if the client does not transact business in the log-in Yuanzhou bank, the account opening client feeds back a second verification result that the verification fails to pass to the business service device.

Step 704, the service device receives the second verification result fed back by the account opening mobile terminal of the client.

It can be understood that the second verification result received by the service device from the account-opening mobile terminal of the client includes two results, i.e., a verification pass result and a verification fail result.

Step 705, the service device determines that the identity authentication result for the client is passed under the condition that both the first verification result and the second verification result are passed.

It can be understood that, when the first verification result and the second verification result both pass, that is, both the business service apparatus side and the client side pass the verification, the business service apparatus will determine that the authentication result for the client is passed. Therefore, the embodiment realizes double authentication, prevents the virtual identity of the fake identity from being generated after the client information is embezzled from logging in the client account, and avoids causing the property loss of the client.

Based on the technical scheme, the embodiment realizes double authentication of the digital service interaction system side and the client account opening mobile side based on the biological characteristic information and the virtual identity information of the client, further ensures the reliability of the client identity authentication, and improves the safety in the service handling process.

Exemplarily, referring to fig. 3, as shown in fig. 8, fig. 8 is another service method provided according to the embodiment, including the following steps:

step 801, the service device obtains physical identity information of the client.

The physical identity information of the customer comprises the biological characteristic information and account data information of the customer.

Illustratively, the account data information of the customer includes one or more of: customer name, customer identity ID, account opening timestamp, account password, guest group attribute information.

In some embodiments, the customer group attribute information may be characteristic information of the group of customers. Illustratively, the customer group attribute information may include age, gender, professional attributes, etc. of the customer, which are not limited by the disclosed embodiments.

It can be understood that, when the business service apparatus acquires the biometric information of the client, the business service apparatus synchronously acquires the account data information of the client.

Step 802, the business service device determines a biometric algorithm model of the virtual identity of the customer according to the physical identity information of the customer.

It will be appreciated that the type of biometric algorithm model depends on which biometric of the client the biometric information specifically includes. Illustratively, if the biometric information of the client includes iris feature information, the biometric algorithm model is an iris algorithm model; and if the biological characteristic information of the client comprises fingerprint characteristic information, the biological characteristic algorithm model is a fingerprint algorithm model. Similarly, when the biological characteristic information of the client comprises various biological characteristics of the client, the biological characteristic algorithm model is a composite algorithm model.

In one possible implementation, the biometric information of the client includes iris feature information. When the business service device determines that the current client is the client who is accessed for the first time, iris characteristic information of the client is collected; after that, the business service device establishes an iris algorithm model for designing the virtual identity based on the iris characteristic information and the account data information of the client.

Step 803, the business service device determines the virtual identity of the customer according to the biometric algorithm model of the virtual identity of the customer.

Illustratively, in combination with the example in step 802, the business service apparatus migrates the biometric information and the account data information of the customer to a virtual identity according to the iris algorithm model, and designs a virtual identity strongly bound to the biometric information of the customer.

It should be noted that, in the embodiment of the present disclosure, the business service apparatus may combine the blockchain technology to determine a biometric algorithm model of the virtual identity of the customer, and further determine the virtual identity unique to the customer through the model. The following describes the foregoing steps 802-803 with reference to a specific example in which the biometric information of the client includes iris feature information:

1) The business service device performs feature extraction on the biological feature information of the client, the client name, the client identity ID and the client group attribute information based on a biological feature image enhancement algorithm to determine at least one feature vector.

Among them, biometric image enhancement algorithms are the prior art in the field. Further, feature extraction is performed on the feature information according to a biometric image enhancement algorithm to obtain a feature vector, which is a mature technical means in the field and is not described herein again in the embodiments of the present disclosure.

2) The business service device determines a biometric algorithmic model of the virtual identity of the customer based on the at least one feature vector.

It should be noted that the biometric algorithm model is also constructed based on the biometric image enhancement algorithm.

3) The business service device adds an account opening time stamp to the biological characteristic algorithm model of the biological characteristic information of the customer, the customer name, the customer identity ID, the customer group attribute information and the virtual identity of the customer to determine the block data.

Wherein, the block data determined by the business service device,

in some embodiments, the service device sends the block data to the block chain nodes based on the block chain technology, so as to ensure the security and the uniqueness of the block data by utilizing the non-tampering characteristic of the block chain technology.

4) And the business service device determines the virtual identity of the client according to the block data.

In some embodiments, the business service apparatus may also incorporate external environmental conditions when determining the virtual identity of the customer based on the tile data. For example, the appearance, clothing, etc. of the virtual identity is designed according to different seasons, festivals, or solar terms information in the year, thereby generating the virtual identity of the customer in the metastic bank.

It should be noted that the virtual identity of the client determined in the embodiment of the present disclosure is an identifier of identity uniqueness of the client in the metastic bank. In the metasbank, all the customers' virtual identities are independent individuals, and different virtual identities correspond to accounts of different customers in the metasbank. Furthermore, since a customer may have multiple metaspace bank accounts, the same virtual identity may have multiple metaspace bank accounts.

And step 804, the business service device stores the virtual identity information of the customer to a metastic bank server or a CRM system server.

For example, as described in the foregoing description of the digital business management system, in a case where the digital business interaction system is implemented as a business service device, the business service device may send the virtual identity information of the customer to the metaspace banking server or the CRM system server in a data interaction manner, so that the metaspace banking server or the CRM system server stores the virtual identity information of the customer.

Based on the technical scheme, the embodiment generates the one-to-one strongly-bound virtual identity for the client by adopting the algorithm model based on the physical identity information of the client, avoids the false identity of the client from being faked by a malicious attacker or a fake account, greatly improves the safety and reliability of the virtual identity of the client, and simultaneously provides guarantee for the smooth identity authentication process of the client in the subsequent service handling process.

Exemplarily, referring to fig. 3, as shown in fig. 9, fig. 9 is another service method provided according to an embodiment, including the following steps:

step 901, the business service device detects the customer behavior.

It is understood that, in case the digital business interaction system is implemented as a business service apparatus, the business service apparatus may detect the behavior of the client based on the client-aware function.

And step 902, under the condition that the business service device detects that the customer behavior is the reach behavior, providing guest welcoming service for the customer by the virtual worker.

The welcome service comprises active welcome reception, service guide and consultation service provided for the client.

It should be understood that reach behavior indicates that the customer has interacted with the business services device, requiring the transaction of the associated metaspace banking.

It should be noted that, in the case that the virtual worker is implemented as a business service device in the digital business interaction system, the business service device displays an avatar for welcoming and receiving customers on the interaction terminal through the set interaction system. And the business service device also displays the information of the virtual staff on the set interactive terminal for the client to look up and know the business type which can be provided by the virtual staff.

And step 903, the business service device responds to the third preset operation of the client to determine the business required to be handled by the client.

In a possible implementation manner, the third preset operation of the client is to perform a click or slide operation on the interactive terminal. Correspondingly, the interactive terminal is provided with a service option button, or the interactive terminal is provided with a service option virtual button in a displayed interactive interface, and a user clicks the button to indicate that a service device is requested to guide the transaction of the corresponding type of service.

Based on the technical scheme, the embodiment can detect the behavior of the client, allocate virtual workers for the client, and determine the business required to be handled by the client according to the operation of the client so as to facilitate the subsequent business handling process.

Illustratively, with reference to fig. 10, fig. 11 and fig. 12, another business service method provided by some embodiments is described with reference to an actual usage scenario of a client, including the following steps:

step 1001, the interactive system displays a scene space of the metasequoiy.

At this time, no client touches, and the digital business service system is in a silent state.

Step 1002, the interactive system senses the touch of the client, and the digital service system recommends virtual workers to carry out welcome service on the client based on client characteristics in a personalized mode.

Illustratively, as shown in FIG. 11, the customer arrives at the digital business service system. Further, as shown in fig. 5, a sensing device in the interactive system senses the behavior of the client based on the client sensing function, and after sensing that the client touches, the interactive system displays a virtual worker on a display terminal to provide a guest greeting service for the client. The process of sensing the client behavior by the interactive system is described in the above functional description of the digital service system, and is not described here again.

Step 1003, the interactive system collects customer information.

It will be appreciated that the perception device in the interactive system collects customer information based on the collect customer information function, i.e. the customer information comprises the previously described biometric information of the customer. For example, the perception device collects iris feature information of the client. The process of the interactive system referring to the customer information refers to the above functional description of the digital service system, and is not described herein again.

Step 1004, the computing platform determines the client attribution based on the collected client information.

Illustratively, corresponding to the example in step 1003, the computing platform determines whether the attribution type of the client is a stock client or a visiting client based on the client attribution type identification function and in combination with the iris feature information of the client. The process of determining the client attribution by the computing platform is described in the above functional description of the digital service system, and is not described herein again.

If the computing platform determines that the customer is a stock customer, then execute a subsequent step 1005;

if the computing platform determines that the customer is an accessing customer, then the following steps 1007 are performed.

Step 1005, the computing platform invokes the customer information.

Illustratively, the computing platform calls customer information stored in the database based on calling the inventory customer information function. The specific process of calling the client information by the computing platform is described in the above functional description of the digital service system, and is not described herein again.

And step 1006, the digital service management platform performs identity authentication on the client.

In one possible implementation manner, the digital service management platform compares and verifies the client information called in the database according to the client information received from the interactive system. In addition, the digital service management platform can also send a message to be confirmed to the account opening mobile terminal of the client in a two-dimensional code mode, so that the client can determine whether the log-in meta universe is operated by the client. And under the condition that the two verification results are both passed, the digital service management platform determines that the identity authentication is passed.

It is understood that, here, the computing platform may refer to the foregoing step 302, steps 701 to 705, and steps 801 to 804 for the process of authenticating the identity of the client, which is not described herein again.

It should be noted that, when the business that the customer needs to transact is the metauniverse banking financial business and needs to perform card swiping consumption (that is, the interactive system is provided with a card swiping terminal), the two-dimensional code information sent by the digital business service system to the account opening mobile terminal of the customer includes the ID of the card swiping terminal.

Step 1007, the interactive system guides the customer to open an account.

Illustratively, the interactive system directs the visiting client to perform an account opening operation based on directing the visiting client to perform an account opening function. The process of the interactive system directing the customer to open an account is referred to the above functional description of the digital service system, and is not described here again.

It can be understood that after the account is opened, the identity authentication of the access client is not needed.

Step 1008, the interactive system displays the customer information and the scene information.

Illustratively, after the digital service management platform passes the identity authentication of the client or the client successfully opens an account, the digital service management platform instructs the interactive system to display the client information and the service scene provided by the digital service system on the display terminal of the interactive system.

In one possible implementation, as shown in fig. 11, the digital service management platform may further instruct the display terminal of the interactive system to display the virtual identity of the customer in the service scenario. Illustratively, a customer logs into a business scene of the metaspace space in the form of a virtual identity after logging into the business system.

Step 1009, the interactive system determines the business that the customer needs to handle.

Illustratively, the interactive system determines the business that the customer needs to handle based on a customer demand analysis function. The process of the interactive system specifically determining the business required to be transacted by the client refers to the functional description of the digital business service system, and is not described herein again.

Step 1010, the digital service management platform pushes a service scene for the client.

Illustratively, as shown in fig. 12, the digital service management platform pushes a service scenario for a client based on a service scenario pushing function, and the client may click a corresponding area in the service scenario to enter a corresponding service handling scenario. The process of pushing the service scene for the client by the digital service management platform according to the service handled by the client specifically refers to the functional description of the digital service system above, and is not described here again.

Step 1011, the digital business management platform provides personalized services for the customer.

In a possible implementation manner, the personalized service provided by the digital service management platform to the customer includes providing different target service scenarios to the customer, which may be referred to as step 303 above.

In another possible implementation, the personalized service provided by the digital business management platform to the customer may further include assigning different virtual staff member images to the customer.

Illustratively, virtual staff members in the target business scenario take over customers and provide business support and services. And the interaction mode between the virtual staff in the target service scene and the client is obtained by training in advance through an artificial intelligence technology, and voice and corresponding animation are generated through text driving. In detail, the information input by the client is automatically acquired, analyzed and identified, the subsequent output text of the virtual staff is decided according to the calculation result, and the virtual staff is driven to generate corresponding voice and actions to realize the interactive interaction between the digital staff and the client.

In addition, the virtual staff image in the embodiment of the disclosure may be an exclusive digital staff designed for the customer by the digital service management platform based on the customer attribute in combination with the biometric algorithm model, and meanwhile, the appearance characteristics of the exclusive digital staff are changed based on the environmental conditions and the customer attribute characteristics, so that the service requirements of the customer can be met, and the business experience of the customer is improved.

Step 1012, the interactive system presents the personalized service.

It is to be understood that the personalized service provided by the digital business management platform to the customer in step 1011 is presented to the customer based on the interactive system. The process of presenting the personalized service by the interactive system based on the personalized service presentation function specifically refers to the functional description of the digital service system, which is not described herein again.

It should be noted that, the foregoing steps 1001-1012 specifically describe the process of conducting the metasma banking by the client according to the digital business service system provided by the embodiment of the present disclosure. The flow described in steps 1001-1012 is only one possible example of the business service method provided by the present disclosure, and does not represent that the business service method provided by the present disclosure can be implemented only by means of the flow of steps 1001-1012.

Illustratively, in conjunction with fig. 6, another business service method provided by some embodiments is described in conjunction with an actual usage scenario of a client:

s1, displaying a three-dimensional space of a metachronic bank, wherein the three-dimensional space comprises a plurality of three-dimensional space scenes; and when the client is sensed, the display window of the interactive system is switched based on the calculation result of the calculation platform.

And S2, selectively operating the display window of the interactive system by the client according to the service requirement of the client.

The business requirements are that a client prepares specific business handling requirements in the metaseque bank to predict specific business contents, and the specific business handling requirements comprise specific business classification and partition in the metaseque bank.

And S3, adjusting the display effect of the service scene on the display terminal according to the client service handling requirements and the service handling content, and adjusting the display effect of the service scene and the scene service content on the display window of the interactive system according to the position of the virtual identity.

It should be noted that, the interaction mode in the embodiment of the present disclosure is a human-computer interaction mode, and a display terminal of the interaction system in the embodiment of the present disclosure displays a three-dimensional stereo space scene and content.

Therefore, after a user selects to transact a certain service, for example, the user needs to know and transact the equity honored service, the user sends a demand instruction through voice interaction, and the computing platform instructs the computing interaction system to adjust the presented content and the presented effect based on the position of the user and the demand of the user.

Illustratively, the customer needs to transact equity business in the Yuanzhou bank's honored wealth space, so the interactive system adjusts the number of windows rendered, the content rendered, and the effect rendered, taking the entire Yuanzhou bank's business space as a whole. The presentation content and the presentation effect further comprise the effect of the client reaching the next level of content presentation in the business scenario.

The Yuanzhou bank honors the wealth space can be divided into an equity honor space, a simulated transaction space, a wealth management space and the like according to business classification, and meanwhile, the wealth honor space also contains contents such as virtual workers, virtual identities and the like. For example, when a client transacts the interest of honor and interests, the client needs to participate in the fortune salon activity, at the moment, the display terminal adjusts the display content and the display effect again based on the client interaction instruction, and the client is guided to go to the salon space to know the place and the content of the salon activity through virtual staff or character voice instructions.

It can be understood that, with reference to the above example, since the content displayed by the display terminal is three-dimensional content, the computing unit needs to compute the specific three-dimensional spatial position of the service according to the interaction instruction of the client, and adjust the display effect of the displayed service window and the displayed content. The interactive instruction of the client may be a voice interactive instruction, or a touch interactive instruction, a gesture instruction, and the like, which is not specifically limited in this disclosure.

It should be noted that, in combination with the above example, the sensing device and the information collecting device in the interactive system in the present disclosure may be the same device, or may be two devices respectively. Under the condition that the sensing equipment and the information acquisition equipment are the same set of equipment, a camera, a card reader, a fingerprint identification terminal, a vein identification terminal, a voiceprint identification terminal and other biological characteristic acquisition terminals can be arranged in the equipment.

The embodiment of the present disclosure may perform division of the functional modules or the functional units on the service device according to the above method example, for example, each functional module or functional unit may be divided corresponding to each function, or two or more functions may be integrated into one processing module. The integrated module may be implemented in the form of hardware, or may also be implemented in the form of a software functional module or functional unit. The division of the modules or units in the embodiments of the present disclosure is schematic, and is only one logic function division, and there may be another division manner in actual implementation.

As shown in fig. 13, a schematic structural diagram of a business service apparatus 1300 according to some embodiments is provided, the apparatus including: an acquisition unit 1301, a processing unit 1302 and a sending unit 1303.

The obtaining unit 1301 is configured to obtain biometric information of the client.

A processing unit 1302 configured to authenticate the client according to the biometric information of the client and the virtual identity information of the client.

The processing unit 1302 is further configured to provide a target service scenario for the client according to the service required by the client if the identity authentication result for the client is passed.

In some embodiments, the processing unit 1302 is further configured to pre-process the biometric information of the client; the pre-processing includes time stamping.

In some embodiments, the processing unit 1302 is further configured to compare the preprocessed biometric information with the virtual identity information of the client for verification, and determine a first verification result.

In some embodiments, the processing unit 1302 is further configured to generate a to-be-confirmed message according to the preprocessed biometric information and the service that the client determines to need to transact, and send the to-be-confirmed message to the account opening mobile terminal of the client. And receiving a second verification result fed back by the account opening mobile terminal of the client.

In some embodiments, the processing unit 1302 is further configured to determine that the authentication result for the client is a pass if the first verification result and the second verification result both pass.

In some embodiments, the processing unit 1302 is further configured to provide the customer with an auxiliary queuing scenario if the waiting time of the business requested to be transacted by the customer is longer than the first time threshold.

In some embodiments, the processing unit 1302 is further configured to provide the service guide scenario for the customer if it is detected that the customer does not perform the operation within the second duration threshold or performs the first preset operation. The first preset operation is to request the guidance of a virtual worker.

In some embodiments, the processing unit 1302 is further configured to provide a self-service transaction scenario for the client if it is detected that the client performs the second preset operation. And the second preset operation is to request self-service transaction.

In some embodiments, the obtaining unit 1301 is further configured to obtain physical identity information of the client. The physical identity information of the customer comprises the biological characteristic information of the customer and the account data information of the customer.

In some embodiments, the processing unit 1302 is further configured to determine a biometric algorithmic model of the virtual identity of the customer based on the physical identity information of the customer.

In some embodiments, the processing unit 1302 is further configured to determine the virtual identity information of the customer according to a biometric algorithm model of the virtual identity of the customer.

In some embodiments, processing unit 1302 is further configured to store the virtual identity information of the customer to a metaspace bank or CRM system server.

In some embodiments, the obtaining unit 1301 is further configured to obtain account data information of the customer. The account data information of the customer includes one or more of the following: customer name, customer identity ID, account opening timestamp, account password, guest group attribute information.

In some embodiments, the obtaining unit 1301 is further configured to perform feature extraction on the biometric information of the customer, the customer name, the customer identity ID and the customer group attribute information based on a biometric image enhancement algorithm, and determine at least one feature vector.

In some embodiments, the obtaining unit 1301 is further configured to determine a biometric algorithm model of the virtual identity of the customer based on the at least one feature vector.

In some embodiments, the obtaining unit 1301 is further configured to apply an account opening time stamp to the biometric algorithm model of the biometric information of the customer, the customer name, the customer identity ID, the customer group attribute information and the virtual identity of the customer to determine the tile data.

In some embodiments, the obtaining unit 1301 is further configured to determine a virtual identity of the client according to the block data.

In some embodiments, the transmitting unit 1303 is configured to transmit the block data to the block nodes.

In some embodiments, the processing unit 1302 is further configured to detect customer behavior.

In some embodiments, the processing unit 1302 is further configured to provide a guest greeting service for the customer by the virtual staff member in case it is detected that the customer behavior is a reach behavior. The welcome service comprises the business consultation requirement for the client.

In some embodiments, the processing unit 1302 is further configured to determine a business that the client needs to transact in response to a third preset operation of the client.

In some embodiments, the business service apparatus 1300 may further include a storage unit (shown in fig. 13 as a dashed box) that stores programs or instructions. The program or instructions, when executed by the processing unit 1302, enable the business service apparatus 1300 to perform the business service method described in the above method embodiments.

In addition, for the technical effect of the service device described in fig. 13, reference may be made to the technical effect of the service method described in the foregoing embodiment, and details are not repeated here.

Fig. 14 shows a schematic diagram of another possible structure of the business service device involved in the above embodiment. The service device 1400 includes: a processor 1402, and a communication interface 1403. The processor 1402 is configured to control and manage actions of the business service apparatus 1400, for example, to perform the steps performed by the obtaining unit 1301, the processing unit 1302, the sending unit 1303, and/or other processes configured to perform the techniques described herein. The communication interface 1403 is configured to support communication of the traffic service apparatus 1400 with other network entities. The business service apparatus 1400 may further include a memory 1401 and a bus 1404, the memory 1401 being configured to store program codes and data of the business service apparatus 1400.

Among other things, the memory 1401 may be a memory in the business service apparatus 140, which may include volatile memory, such as random access memory; the memory may also include non-volatile memory, such as read-only memory, flash memory, a hard disk, or a solid state disk; the memory may also comprise a combination of memories of the kind described above.

The processor 1402 may be implemented or performed with the various illustrative logical blocks, modules, and circuits described in connection with the disclosure. The processor may be a central processing unit, general purpose processor, digital signal processor, application specific integrated circuit, field programmable gate array or other programmable logic device, transistor logic device, hardware component, or any combination thereof. Which may implement or execute the various illustrative logical blocks, modules, and circuits described in connection with the disclosure. The processor may also be a combination of computing functions, e.g., comprising one or more microprocessors, DSPs, and microprocessors, among others.

The bus 1404 may be an Extended Industry Standard Architecture (EISA) bus or the like. The bus 1404 may be divided into an address bus, a data bus, a control bus, and the like. For ease of illustration, only one thick line is shown in FIG. 14, but this is not intended to represent only one bus or type of bus.

The business service apparatus 1400 in fig. 14 may also be a chip. The chip includes one or more (including two) processors 1402 and a communication interface 1403.

In some embodiments, the chip also includes memory 1401, which may include both read-only memory and random access memory, and provides operating instructions and data to processor 1402. A portion of memory 1401 may also include non-volatile random access memory (NVRAM).

In some embodiments, memory 1401 stores elements, execution modules or data structures, or a subset thereof, or an expanded set thereof.

In the embodiment of the present disclosure, by calling an operation instruction stored in the memory 1401 (the operation instruction may be stored in an operating system), a corresponding operation is performed.

Through the description of the foregoing embodiments, it will be clear to those skilled in the art that, for convenience and simplicity of description, only the division of the functional modules is illustrated, and in practical applications, the above function distribution may be completed by different functional modules as needed, that is, the internal structure of the apparatus may be divided into different functional modules to complete all or part of the above described functions. For the specific working processes of the system, the apparatus and the unit described above, reference may be made to the corresponding processes in the foregoing method embodiments, and details are not described here again.

Some embodiments of the present disclosure provide a computer-readable storage medium (e.g., a non-transitory computer-readable storage medium) having stored therein computer program instructions that, when executed on a computer (e.g., a business service apparatus), cause the computer to perform a business service method as described in any one of the above embodiments.

Illustratively, the computer-readable storage medium may include, but is not limited to: magnetic storage devices (e.g., hard Disk, floppy Disk, magnetic strips, etc.), optical disks (e.g., CD (Compact Disk), DVD (Digital Versatile Disk), etc.), smart cards, and flash Memory devices (e.g., EPROM (Erasable Programmable Read-Only Memory), cards, sticks, key drives, etc.). Various computer-readable storage media described in this disclosure can represent one or more devices and/or other machine-readable storage media for storing information. The term "machine-readable storage medium" can include, without being limited to, wireless channels and various other media capable of storing, containing, and/or carrying instruction(s) and/or data.

Some embodiments of the present disclosure also provide a computer program product, for example, stored on a non-transitory computer-readable storage medium. The computer program product includes computer program instructions which, when executed on a computer (e.g., a business service apparatus), cause the computer to perform the business service method as described in the above embodiments.

Some embodiments of the disclosure also provide a computer program. When the computer program is executed on a computer (e.g., a business service apparatus), the computer program causes the computer to execute the business service method as described in the above embodiments.

The beneficial effects of the above computer-readable storage medium, computer program product, and computer program are the same as the beneficial effects of the business service methods described in some embodiments, and are not described herein again.

In the several embodiments provided in the present disclosure, it should be understood that the disclosed system, apparatus, and method may be implemented in other ways. For example, the above-described device embodiments are merely illustrative, and for example, the division of the units is only one type of logical functional division, and other divisions may be realized in practice, for example, multiple units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present disclosure may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.

The above description is only for the specific embodiments of the present disclosure, but the scope of the present disclosure is not limited thereto, and any person skilled in the art will appreciate that changes or substitutions within the technical scope of the present disclosure should be covered by the scope of the present disclosure. Therefore, the protection scope of the present disclosure should be subject to the protection scope of the claims.

Claims

1. A method for servicing a service, comprising:

acquiring biological characteristic information of a client;

performing identity authentication on the client according to the biological characteristic information of the client and the virtual identity information of the client;

and under the condition that the identity authentication result of the client is passed, providing a target service scene for the client according to the service transacted by the client.

2. The method of claim 1, wherein authenticating the customer based on the biometric information of the customer and the virtual identity information of the customer comprises:

preprocessing the biological characteristic information of the client; the pre-processing comprises time stamping;

comparing the preprocessed biological characteristic information with the virtual identity information of the client for verification, and determining a first verification result;

generating a message to be confirmed according to the preprocessed biological characteristic information and the service which is determined by the client to be transacted, and sending the message to the account opening mobile terminal of the client; receiving a second verification result fed back by the account opening mobile terminal of the client;

and determining that the identity authentication result of the client is passed under the condition that the first verification result and the second verification result are both passed.

3. The method of claim 2, wherein the target traffic scenario comprises one or more of: an auxiliary queuing scene, a service guide scene and a self-service handling scene; the method further comprises the following steps:

if the waiting time of the service required to be transacted by the client is longer than a first time threshold, providing the auxiliary queuing scene for the client;

if the fact that the customer does not operate within a second time length threshold value or first preset operation is executed is detected, the service guide scene is provided for the customer; the first preset operation is to request the guidance of a virtual worker;

if the fact that the customer executes a second preset operation is detected, the self-service handling scene is provided for the customer; and the second preset operation is to request self-service business handling.

4. The method of claim 3, wherein the virtual identity information of the customer is stored in a metaspace banking server or a customer relationship management system server;

before the authenticating the identity of the customer according to the physical identity information of the customer and the virtual identity information of the customer, the method further includes:

acquiring physical identity information of the client; wherein the physical identity information of the customer comprises biometric information of the customer and account data information of the customer;

determining a biometric algorithm model of the virtual identity of the customer according to the physical identity information of the customer;

determining the virtual identity information of the customer according to the biometric algorithm model of the virtual identity of the customer;

and storing the virtual identity information of the customer to the metasma bank or a customer relationship management system server.

5. The method of claim 4, wherein the biometric information of the client comprises one or more of: fingerprint characteristic information, voiceprint characteristic information, iris characteristic information, face characteristic information, palm vein characteristic information and finger vein characteristic information;

prior to said determining physical identity information of said customer, said method further comprises:

acquiring account data information of the customer; wherein the account data information of the customer includes one or more of: customer name, customer identity ID, account opening timestamp, account password, guest group attribute information.

6. The method according to claim 5, characterized in that the biometric algorithmic model of the virtual identity of the customer is determined according to the following steps:

based on a biological feature image enhancement algorithm, performing feature extraction on the biological feature information of the client, the name of the client, the identity ID of the client and the attribute information of the client group to determine at least one feature vector;

determining a biometric algorithmic model of the virtual identity of the customer based on the at least one feature vector;

overlaying the account opening time stamp on the biological characteristic information of the customer, the name of the customer, the ID of the customer, the attribute information of the customer group and the biological characteristic algorithm model of the virtual identity of the customer to determine block data;

and determining the virtual identity of the client according to the block data.

7. The method of claim 6, further comprising:

and sending the block data to a block link point.

8. The method according to any one of claims 1-7, wherein prior to said obtaining biometric information of said client, said method further comprises:

detecting customer behavior;

providing welcome service for the customer by a virtual worker in the case that the customer behavior is detected to be reach behavior; the welcome service comprises active welcome reception, service guide and consultation service provided for the client;

and responding to a third preset operation of the client, and determining the business required to be transacted by the client.

9. A business service apparatus, comprising: an acquisition unit and a processing unit;

the acquisition unit is configured to acquire the biological characteristic information of the client;

the processing unit is configured to authenticate the client according to the biological characteristic information of the client and the virtual identity information of the client;

and the processing unit is also configured to provide a target service scene for the client according to the service transacted by the client requirement under the condition that the identity authentication result of the client is passed.

10. A business service apparatus comprising a processor and a communication interface; the communication interface is coupled to the processor for executing a computer program or instructions for implementing the business service method of any one of claims 1-8.

11. A business service system comprising a processor and a memory, the memory storing computer program instructions which, when executed by the processor, perform the business service method of any of claims 1 to 8.

12. A non-transitory computer readable storage medium, wherein instructions are stored therein, and when executed by a computer, the computer performs the business service method of any one of claims 1-8.