TWI812341B - Virtual environment transfer processing system and method - Google Patents

Abstract

A virtual environment transfer processing system managed by a financial institution, which stores financial account information corresponding to a financial account. The virtual environment transfer processing system is used to determine the first and second to-be-verified information contained in a virtual environment transfer request. After the data is matched with a virtual identity identification information and a certificate device identification information respectively, a debit amount is deducted from the financial account, and a transfer request related to the debit amount is sent to a virtual environment that can provide a The virtual service system allows the debit amount to be converted into a virtual currency transfer amount in the virtual environment. The virtual currency transfer amount uses a virtual character in the virtual environment as the transferor, and is transferred out through a virtual bank operated by the financial institution in the virtual environment.

Description

Virtual environment transfer processing system and method

The present invention relates to a transfer processing system, and in particular, to a virtual environment transfer processing system suitable for processing transfers in a virtual environment. The present invention also relates to a virtual environment transfer processing method implemented by a virtual environment transfer processing system.

With the development of the concept of Metaverse, modern people's life circle has begun to expand from the real world to the virtual environment. Therefore, how to realize the life functions in the real world in the virtual environment has become an issue worth discussing. .

One of the objects of the present invention is to provide a virtual environment transfer processing system that can integrate the flow of funds between real and virtual environments.

The virtual environment transfer processing system of the present invention is suitable for cooperating with a virtual service system that can provide a virtual environment. The virtual environment transfer processing system includes a management system managed by a financial institution. The management system includes a processing unit adapted to be electrically connected to the virtual service system, and a storage unit electrically connected to the processing unit, wherein the The storage unit stores a financial account information, and the financial account information corresponds to a financial account opened by the financial institution for a customer. This processing unit is used to A virtual identity identification information related to the virtual environment and the customer and a credential device identification information present in a credential electronic device are stored in the storage unit, wherein the virtual identity identification information corresponds to the customer's access to the virtual environment. A virtual character controlled in the environment. The processing unit is also configured to, after receiving a virtual environment transfer request including a first data to be verified and a second data to be verified, determine whether the first data to be verified and the second data to be verified respectively match the The virtual identity identification information and the certificate device identification information stored in the storage unit, and if the judgment result is yes, a debit amount will be deducted from the financial account based on the financial account information, and a debit amount related to the financial account will be generated. The transfer request of the debit amount is sent to the virtual service system, so that the debit amount is converted into a virtual currency transfer amount in the virtual environment, wherein the virtual currency transfer amount uses the virtual character as the transferor, and It is transferred out through a virtual bank operated by the financial institution in the virtual environment.

In some implementations of the virtual environment transfer processing system of the present invention, the virtual environment transfer processing system further includes a client system for electrically connecting to the management system through the virtual service system, and the client system includes a client system adapted to communicate with the virtual environment transfer processing system. A virtual character control unit electrically connected to the virtual service system, wherein the virtual character control unit is used to generate the virtual environment transfer request including the first data to be verified and the second data to be verified, and send the virtual environment transfer request transmitted to the processing unit of the management system via the virtual service system.

In some implementation aspects of the virtual environment transfer processing system of the present invention, The client system also includes the credential electronic device for electrical connection with the virtual character control unit, and the avatar control unit includes a head-mounted display device that can be electrically connected with the credential electronic device, and the virtual environment transfer The request is generated by the head-mounted display device based on a user operation on the credential electronic device and transmitted to the management system.

In some implementations of the virtual environment transfer processing system of the present invention, the virtual identity identification data is generated by the management system, and the virtual identity identification data is a unique identification code representing a non-fungible token.

Another object of the present invention is to provide a virtual environment transfer processing method implemented by a virtual environment transfer processing system.

The virtual environment transfer processing method of the present invention is implemented by a virtual environment transfer processing system. The virtual environment transfer processing system is suitable for cooperating with a virtual service system that can provide a virtual environment, and the virtual environment transfer processing system includes a financial institution. Managed and applicable to a management system electrically connected to the virtual service system, the management system stores a financial account information, wherein the financial account information corresponds to a financial account opened by the financial institution for a customer. The virtual environment transfer processing method includes: (A) the management system stores a virtual identity identification information related to the virtual environment and the customer, and a certificate device identification information existing in a certificate electronic device, wherein the virtual identity The identification information corresponds to a virtual character that the customer can control in the virtual environment; (B) the management system receives a packet via the virtual service system After a virtual environment transfer request containing a first data to be verified and a second data to be verified, determine whether the first data to be verified and the second data to be verified respectively match the virtual identity identification information and the certificate device identification information. , and if the judgment result is yes, a debit amount is deducted from the financial account based on the financial account information, and a transfer request related to the debit amount is sent to the virtual service system so that the The debit amount is converted into a virtual currency transfer amount in the virtual environment, wherein the virtual currency transfer amount uses the virtual character as the transferor and is through a virtual bank operated by the financial institution in the virtual environment. Transfer out.

In some implementation aspects of the virtual environment transfer processing method of the present invention, the virtual environment transfer processing system also includes a client system, and the client system includes a virtual character control unit adapted to be electrically connected to the virtual service system; The virtual environment transfer processing method also includes between steps (A) and (B): (C) the virtual character control unit generates a virtual environment transfer request including the first data to be verified and the second data to be verified, And transmit the virtual environment transfer request to the management system via the virtual service system.

In some implementation aspects of the virtual environment transfer processing method of the present invention, the client system further includes the voucher electronic device for electrically connecting with the virtual character control unit, and the virtual character control unit includes a device capable of communicating with the voucher electronic device. A head-mounted display device electrically connected to the device; wherein, in step (C), the virtual environment transfer request is made by the head-mounted display device based on a user operation received by the credential electronic device generated and transmitted to the management system.

In some implementation aspects of the virtual environment transfer processing method of the present invention, in step (A), the virtual identity recognition data is generated by the management system, and the virtual identity recognition data represents a non-fungible token. unique identification code.

The effect of the present invention is that the virtual environment transfer processing system can bind the financial account that the customer applies to the financial institution in the real environment with the specific virtual character controlled by the customer in the virtual environment, so that the customer can take advantage of the real environment. The deposits in the financial account are transferred in the virtual environment through the virtual bank operated by the financial institution. Through this, the virtual environment transfer processing system can integrate financial transfer services in the real and virtual environments, and can be used in the Metaverse It has wide application value in the world.

1: Virtual environment transfer processing system

11:Management system

111:Financial account management server

112:Virtual financial service server

113:Mobile device management server

12:User system

121: Virtual character control unit

122:Head mounted display device

123:Input device

2:Mobile device

3: Voucher electronic device

5:Virtual service system

E: virtual environment

b: virtual bank

10:Financial institutions

20:Customer

50:Virtual Service Provider

D1: Financial account information

D2: Virtual identification data

D3: Credential device identification data

D4: Credential device password information

D5: Control device identification data

D6: Mobile device identification data

D7: Virtual transfer setting information

S11~S17: Steps

S21~S30: steps

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a hardware block diagram illustrating an embodiment of the virtual environment transfer processing system of the present invention; and A mobile device and a virtual service system are suitable for cooperation with this embodiment, and the dotted arrows in the figure are used to indicate the corresponding relationship between the hardware blocks and their managers; Figure 2 is a flow chart for exemplary To illustrate a virtual ring implemented in this embodiment A virtual environment account opening process included in the international transfer processing method; Figure 3 is a schematic diagram schematically showing the data stored in the financial account management server of this embodiment, and the dotted arrows in the figure are used to represent the data The corresponding relationship between; Figure 4A is a flow chart for illustrating a virtual environment transfer process included in the virtual environment transfer processing method; and Figure 4B is a flow chart for illustrating the virtual environment transfer process. The virtual environment transfer process included in the environment transfer processing method.

Before the present invention is described in detail, it should be noted that if not specifically defined, the "electrical connection" described in this patent specification generally refers to the "wired connection" between multiple electronic devices/devices/components through conductive materials. "Electrical connection", and "radio connection" for one/two-way wireless signal transmission through wireless communication technology. On the other hand, the "electrical connection" mentioned in this patent specification also generally refers to the "direct electrical connection" formed by multiple electronic devices/devices/components being directly connected to each other, as well as the "direct electrical connection" between multiple electronic devices/devices/components. They are also indirectly connected to each other through other electronic equipment/devices/components to form an "indirect electrical connection".

Referring to FIG. 1 , one embodiment of the virtual environment transfer processing system 1 of the present invention is suitable for operating in cooperation with a virtual service system 5 . In the application of this embodiment, the virtual The virtual service system 5 is managed by a virtual service provider 50, and the virtual service system 5 includes, for example, a plurality of server devices (not shown) that are electrically connected to each other. More specifically, in an application of this embodiment, the virtual service system 5 is implemented as a blockchain network, and the server devices are, for example, multiple nodes of the blockchain network. However, it should be understood that the application of this embodiment is not limited to blockchain networks.

The virtual service system 5 can provide a virtual environment E, and the virtual environment E is, for example, a three-dimensional virtual environment based on computer three-dimensional graphics technology. Moreover, the virtual service system 5 can accept multiple users to log in with multiple pre-registered user accounts, and the clients are respectively used for operation by multiple users. Thereby, each user can operate the corresponding client to control the activities of a virtual character in the virtual environment E, that is, to play the virtual character in the virtual environment E. Moreover, the activities that each virtual character can perform in the virtual environment E include but are not limited to interacting with virtual objects (such as virtual service agencies, virtual buildings, virtual items and NPCs) in the virtual environment E, and interacting with other virtual characters. User-controlled virtual character interaction.

In this embodiment, the virtual environment transfer processing system 1 includes a management system 11 and a client system 12 for electrically connecting to the management system 11 through the virtual service system 5, wherein the management system 11 is composed of a The client system 12 is managed by a financial institution 10 (eg, a bank) and is operated by a customer 20 of the financial institution 10 . However, in different embodiments, the virtual environment transfer processing system 1 can also be implemented only with the management system 11 without including the user system 12. Instead, In other words, in other embodiments, the user system 12 does not necessarily need to be included in the virtual environment transfer processing system 1 .

In this embodiment, the management system 11 includes three server terminals, where each server terminal is a server device, and each server terminal includes a processing device with data computing and processing functions, and an electrical connection to the processing device. And a data storage device used to store digital data. Further, the processing device is, for example, a central processing unit, and the data storage device is, for example, a hard disk.

More specifically, in this embodiment, the three servers are respectively used as a financial account management server 111, a virtual financial service server 112 electrically connected to the financial account management server 111, and a virtual financial service server 112 electrically connected to the financial account management server 111. The mobile device management server 113 of the account management server 111. Among them, the virtual financial service server 112 is suitable for electrical connection with the virtual service system 5 through the network, and the mobile device management server 113 is suitable for electrical connection with a mobile device 2 held by the customer 20 through the network. And the mobile device 2 is a smart phone.

The financial account management server 111 stores a financial account information D1, and the financial account information D1 corresponds to a financial account opened by the financial institution 10 for the customer 20. To be more specific, the financial account corresponding to the financial account information D1 is a legal currency deposit account that the customer 20 applied to the financial institution 10, and the financial account information D1, for example, at least includes an account number corresponding to the financial account. and an account balance. It should be understood that in actual implementation, this The financial account management server 111 will also store a plurality of other financial account data corresponding to other financial accounts. However, in order to facilitate description and understanding, this embodiment will only illustrate the financial account belonging to the customer 20. .

The virtual financial service server 112 is adapted to be electrically connected to the virtual service system 5 through a network (including but not limited to the public Internet), thereby communicating with the virtual service system 5 . Specifically, there is a virtual bank b in the virtual environment E provided by the virtual service system 5, and the virtual bank b is set up by the virtual service provider 50 for the financial institution 10 in the virtual environment E. . In other words, the virtual bank b is a virtual financial service institution operated by the financial institution 10 in the virtual environment E. Therefore, when any virtual character goes to the virtual bank b in the virtual environment E to request virtual financial services (for example, requesting to open an account in the virtual bank b), the virtual financial service server 112 will receive a message from the virtual bank b. System 5 is related to the relevant information requesting financial services (such as an account opening request).

The mobile device management server 113 is used to manage and record the binding relationship between the financial account of the customer 20 and the mobile device 2 . More specifically, the customer 20 can operate the mobile device 2 to install and execute a financial service application issued by the financial institution 10, and input his or her identity recognition information (such as identity) in the running environment of the financial service application. certificate number and/or account number of a financial account), and then controls the mobile device 2 to provide its identification information and mobile phone number to the mobile device management server 113. Thereby, the mobile device management server 113 will store the The mobile phone number of the customer 20 is obtained, and a corresponding relationship between the financial account of the customer 20 and the mobile phone number of the customer 20 is established, which is equivalent to binding the financial account of the customer 20 with the mobile device 2 .

It should be added that the three processing devices of the financial account management server 111, the virtual financial service server 112 and the mobile device management server 113 are jointly used as a processing unit included in the management system 11, The three data storage devices of the financial account management server 111 , the virtual financial service server 112 and the mobile device management server 113 are collectively included in the management system 11 and electrically connected to the processing unit. storage unit. However, in different implementation aspects, the management system 11 can also be implemented as a single server device, that is to say, the processing unit can also be implemented as a single processing device, and the storage unit can also be implemented as A single data storage device. In addition, in different implementation forms, each processing device can also be a collection of multiple central processors, and each data storage device can also be a different type of computer-readable recording media, or multiple computer-readable recording media. Read a collection of recording media. Therefore, the hardware implementation of the management system 11 is not limited to this embodiment.

In this embodiment, the client system 12 includes a virtual character control unit 121, and the virtual character control unit 121 includes a head-mounted display device 122 that can be worn on the head by the customer 20, and a device for An input device 123 electrically connected to the head-mounted display device 122 and operable by the customer 20 . Wherein, the head-mounted display device 122 is a virtual reality (VR) glasses, and the head-mounted display device 122 is suitable for Used to electrically connect to the virtual service system 5 through the network. The input device 123 is a game controller, and the input device 123 can be electrically connected to the head-mounted display device 122 in a wired or wireless manner. More specifically, the virtual character control unit 121 is one of the clients that can log in to the virtual service system 5. That is to say, the client 20 can control a virtual character by operating the virtual character control unit 121. Activities in this virtual environment E. For the convenience of description, the virtual character controlled by the customer 20 is regarded as a specific virtual character corresponding to the customer 20 in this embodiment.

It should be added that in other implementations, the virtual character control unit 121 can also be implemented as a computer (such as a desktop computer or a notebook computer), or a game console with a game controller. , but not limited to the aspect of this embodiment. In addition, in some implementations, the virtual service system 5 may be included in the virtual environment transfer processing system 1 .

The following describes how the virtual environment transfer processing system 1 of this embodiment is applied to the virtual service system 5 and implements a virtual environment transfer processing method.

In this embodiment, the virtual environment transfer processing method includes a virtual environment account opening process, and a virtual environment transfer process after the virtual environment account opening process is completed. With reference to Figure 2 and Figure 3, the virtual environment account opening process will be described below.

First, in step S11, after receiving an account opening request from the virtual service system 5, the virtual financial service server 112 generates And store a virtual identity identification information related to the virtual environment E and the customer 20, and transmit the virtual identity identification information to the head-mounted display device 122 of the virtual character control unit 121 for display through the virtual service system 5, by This provides the virtual identification information to the customer 20.

In this embodiment, the account opening request is generated and transmitted by the virtual service system 5 when the specific virtual character goes to the virtual bank b to apply for opening an account in the virtual environment E. In other words, if the customer 20 controls the specific The virtual character goes to the virtual bank b to apply for opening an account, and the customer 20 will obtain the virtual identity identification information fed back by the virtual financial service server 112 through the virtual service system 5 . Further, the virtual identity identification data generated by the virtual financial service server 112 represents a unique identification code of a non-fungible token (NFT). More specifically, the virtual identity identification information represents a non-fungible token issued by the financial institution 10 to the customer 20, and if the specific virtual character successfully opens an account at the virtual bank b in the virtual environment E, If you become a virtual customer of the virtual bank b, the virtual identity identification information can be used by the virtual financial service server 112 to identify the virtual customer.

After the virtual financial service server 112 generates and stores the virtual identity identification information, the process proceeds to step S12.

In step S12, the financial account management server 111 and the mobile device management server 113 each obtain and store the virtual identity identification information, and a Credential device identification data stored in a portable credential electronic device 3. Moreover, the virtual identity identification information and the credential device identification information correspond to each other in both the financial account management server 111 and the mobile device management server 113 .

In more detail, after the customer 20 learns the virtual identity identification information, if the customer 20 wants to complete the account opening operation of the specific virtual character in the virtual bank b, the customer 20 must first go to the financial institution 10 in real life. A physical branch is established in the environment, and based on at least the virtual identity recognition information, the electronic certificate device 3 to be distributed to the customer 20 is obtained from the physical branch. Wherein, the electronic certificate device 3 includes, for example, a processor, a memory electrically connected to the processor, and a button combination electrically connected to the processor (for example, including up, down, left, right, OK, cancel and Arabic numeral zero). to the ninth button), and a wireless communication module electrically connected to the processor, and the wireless communication module is a Bluetooth communication module in this embodiment (it can also be a near field communication module in other embodiments). , that is, NFC module). Through the Bluetooth communication module, the credential electronic device 3 can be connected to the head-mounted display device 122 of the virtual character control unit 121 through Bluetooth radio. Moreover, a certificate device identification data is stored in the memory of the certificate electronic device 3, and the certificate device identification data is a string of unique codes.

In this embodiment, the financial account management server 111 obtains the virtual identity identification information and the certificate device identification information from an employee terminal (not shown) installed in a physical branch of the financial institution 10, and then It is shown in Figure 3 as a The virtual identity recognition data D2 and a certificate device identification data D3 are stored, and a corresponding relationship between the virtual identity recognition data D2 and the certificate device identification data D3 is established, and then the virtual identity recognition data D2 and the certificate device identification data corresponding to each other are identified Data D3 is provided to the mobile device management server 113 for storage. The banker's use terminal is operated by a banker of the physical branch of the financial institution 10, and the banker's use terminal is obtained according to the banker's manual operation, for example, before the banker delivers the voucher electronic device 3 to the customer 20. And transmit the virtual identity identification information and the certificate device identification information to the financial account management server 111 for storage.

Specifically, in the preferred implementation of this embodiment, the electronic certificate device 3 is suitable to be implemented as a "non" smart device (that is, not a smart phone or a tablet) that is easy to carry around. Furthermore, the electronic certificate device 3 itself does not have the function of directly connecting to the Internet (such as Wi-Fi connection function), but is equivalent to a cold wallet device. Thereby, the credential device identification data can always be stored in the memory of the credential electronic device 3 in an offline state, thereby reducing the risk of the credential device identification data being leaked through the network.

After both the financial account management server 111 and the mobile device management server 113 obtain the virtual identity identification information and the certificate device identification information, the process proceeds to step S13.

In step S13, the financial account management server 111 obtains and stores the certificate device password data D4 corresponding to the certificate device identification data D3 (shown in FIG. 3), and the certificate device password data D4 is a string of passwords specified by the customer 20. In this embodiment, the credential device password data D4 is generated by the banker's user terminal according to the banker's manual operation before the banker delivers the credential electronic device 3 to the customer 20 and is transmitted to the financial account management. Server 111 stores. However, in different implementations, the credential device password data D4 may also be generated by the customer 20 operating the mobile device 2 after the customer 20 obtains the credential electronic device 3 and provided to the financial account management server. Terminal 111 stores.

After the financial account management server 111 stores the credential device password information D4, the process proceeds to step S14.

In step S14, when the financial account management server 111 receives a binding request output by the mobile device 2 and indicating the credential device identification data D3 and the financial account data D1 via the mobile device management server 113 At this time, the financial account management server 111 establishes the corresponding relationship between the credential device identification data D3 and the financial account data D1 according to the binding request as shown in FIG. 3 . In this way, the financial account management server 111 is equivalent to binding the specific virtual character that the customer 20 can operate with the financial account of the customer 20, that is, the specific virtual character is in the virtual bank in the virtual environment E. b successfully opens an account and becomes a virtual customer of virtual bank b.

After the financial account management server 111 establishes the corresponding relationship between the certificate device identification data D3 and the financial account data D1, the process proceeds to step S15 and step S16.

In step S15, the financial account management server 111 obtains and stores a control device identification data D5 stored in the head-mounted display device 122 of the virtual character control unit 121, and establishes the control as shown in Figure 3 The corresponding relationship between the device identification data D5 and the certificate device identification data D3. In more detail, the financial account management server 111 receives the control device identification data D5 from the head-mounted display device 122 of the virtual character control unit 121, and the control device identification data D5 corresponds to the head-mounted display. A unique code for device 122. Moreover, the head-mounted display device 122 installs, for example, a certificate application issued by the financial institution 10 and related to the certificate electronic device 3 according to the manual operation of the customer 20, and then runs the certificate application. Next, the control device identification data stored by the customer 20 is sent to the financial account management server 111 for storage according to the manual operation of the customer 20 . In addition, by running the credential application, the head-mounted display device 122 can communicate with the credential electronic device 3 through Bluetooth, thereby reading the credential device identification information from the credential electronic device 3 through Bluetooth.

In step S16, the financial account management server 111 obtains and stores a mobile device identification data D6 stored in the mobile device 2, and establishes the mobile device identification data D6 and the credential device identification as shown in FIG. 3 Correspondence between data D3. In more detail, the financial account management server 111 receives the mobile device identification data D6 from the mobile device management server 113, and the mobile device The identification data D6 is a unique code corresponding to the mobile device 2 . Further, the mobile device identification data D6 is, for example, transmitted to the mobile device management server 113 by the mobile device 2 according to the manual operation of the customer 20 when running the financial service application. Moreover, when the mobile device management server 113 receives the mobile device identification data D6 from the mobile device 2, the mobile device management server 113, for example, first determines whether the mobile device 2 has been connected to the financial account of the customer 20. Binding, and only when the judgment result is yes, the mobile device identification data D6 is sent to the financial account management server 111 for storage.

After the financial account management server 111 stores the mobile device identification data D6 and establishes a corresponding relationship between the mobile device identification data D6 and the certificate device identification data D3, the process proceeds to step S17.

In step S17, the financial account management server 111 receives and stores a virtual transfer setting data D7 output by the mobile device 2 via the mobile device management server 113, and establishes the virtual transfer setting data D7 and the certificate device identification. Correspondence between data D3. In more detail, the virtual transfer setting data D7 is transmitted by the mobile device 2 to the financial account management server through the mobile device management server 113 according to the manual operation of the customer 20 while running the financial service application. The virtual transfer setting data D7 is stored on the terminal 111, and the virtual transfer setting data D7 includes, for example, a single transfer amount limit preferred by the customer 20, and a plurality of other virtual identity recognition data, wherein the other virtual identity recognition data, for example, respectively correspond to For this customer 20 The virtual roles played by multiple friends in the virtual environment E are equivalent to being jointly used as a common transfer list for the specific virtual role in the virtual bank b.

The above is the description of the virtual environment account opening process in this embodiment. It should be added that steps S11 to S17 of the virtual environment account opening process are equivalent to being executed by the processing unit of the management system 11 . Moreover, after the virtual environment account opening process is completed, the electronic certificate device 3 is kept by the customer 20. Therefore, the electronic certificate device 3 is equivalent to being added to the client system 12, that is, together with the virtual character control unit 121 are included in the client system 12 together.

Referring to FIG. 1 together with FIG. 3 and FIG. 4 (composed of FIG. 4A and FIG. 4B), the virtual environment transfer process of this embodiment will be described below. The virtual environment transfer process is performed when the client 20 operates the virtual character control unit 121 to control the specific virtual character's activities in the virtual environment E.

First, in step S21, the virtual character control unit 121 of the client system 12 generates a first data to be verified, a second data to be verified, a designated transfer amount, a payee virtual identity data and the control The device identifies the virtual environment transfer request of the data and transmits the virtual environment transfer request to the virtual financial service server 112 via the virtual service system 5 . The designated transfer amount represents the amount of virtual currency that the customer 20 wants to transfer out in the virtual environment E, and the virtual identity identification information of the payee is, for example, one of the virtual identity identification information in the frequently used transfer list.

In a preferred implementation of this embodiment, the virtual environment transfer request is made by the head-mounted display device 122 when the head-mounted display device 122 and the credential electronic device 3 communicate with each other through Bluetooth. It is generated according to the user operation received by the certificate electronic device 3 and sent to the virtual financial service server 112 . In other words, when the customer 20 wants to control the specific virtual character to transfer money through the virtual bank b in the virtual environment E, the customer 20 can operate the button combination of the electronic certificate device 3 to make the electronic certificate device 3 The processor of 3 sends instructions to the head-mounted display device 122 through the wireless communication module, and further causes the head-mounted display device 122 to generate and send the virtual environment transfer request to the virtual financial service server 112 . However, in different implementations, the virtual environment transfer request may also be generated by the head-mounted display device 122 according to itself or a user operation received by the input device 123 . Therefore, in different implementations, the customer 20 can also cause the head-mounted display device 122 to generate and send the virtual environment transfer request to the head-mounted display device 122 by operating the input device 123 . Virtual financial service server 112.

More specifically, in this embodiment, the first data to be verified is the virtual identity identification data stored in the head-mounted display device 122 itself or obtained from the virtual service system 5, and the second data to be verified is The data is the credential device identification data read from the credential electronic device 3 when the head-mounted display device 122 is electrically connected to the credential electronic device 3 . That is to say, the virtual character control unit 121 The virtual identity identification data and the certificate device identification data are used as the first data to be verified and the second data to be verified respectively.

After the virtual character control unit 121 transmits the virtual environment transfer request to the virtual financial service server 112 via the virtual service system 5, the process proceeds to step S22.

In step S22, when the virtual financial service server 112 receives the virtual environment transfer request via the virtual service system 5, the virtual financial service server 112 generates a transfer request based on the virtual environment transfer request, which at least includes the first to-be-verified The virtual transfer verification request includes the data and the second data to be verified, and sends the virtual transfer verification request to the financial account management server 111 . Then, the process proceeds to step S23.

In step S23, when the financial account management server 111 receives the virtual transfer verification request from the virtual financial service server 112, the financial account management server 111 determines the first pending item in the virtual transfer verification request. Whether the verification data and the second data to be verified respectively match the virtual identity identification data D2 and the certificate device identification data D3 stored in the financial account management server 111 itself. If the determination result is yes, the financial account management server 111 determines that the verification is successful, and the process proceeds to step S24.

In step S24, once the financial account management server 111 determines that the verification is successful, the financial account management server 111 sends a certificate password request to the virtual financial service server 112, and then the process proceeds to step S25.

In step S25, once the virtual financial service server 112 receives the certificate and password request from the financial account management server 111, the virtual financial service server 112 sends a certificate and password input prompt via the virtual financial account management server 111 according to the certificate and password request. The service system 5 transmits it to the head-mounted display device 122 of the virtual character control unit 121, so that the head-mounted display device 122 displays the voucher password input prompt, thereby prompting the customer 20 to enter the voucher device password set by him. . Then, the process proceeds to step S26.

In step S26, when the financial account management server 111 receives a password to be verified that is transmitted by the virtual character control unit 121 via the virtual service system 5 and the virtual financial service server 112 and corresponds to the certificate password requirement At this time, the financial account management server 111 determines whether the password to be verified matches the certificate device password data D4 stored in the financial account management server 111 itself. The password to be verified is, for example, generated by the input device 123 of the virtual character control unit 121 according to the manual operation of the customer 20, and is generated by the head-mounted display device 122 through the virtual service system 5 and the virtual financial service. The server 112 transmits it to the virtual financial service server 112 . If the financial account management server 111 determines that the password to be verified is consistent with the stored password data D4 of the certificate device, the financial account management server 111 determines that the password to be verified is correct, and the process proceeds to step S27.

In step S27, once the financial account management server 111 determines that the password to be verified is correct, the financial account management server 111 D1 generates a debit amount deducted from the financial account of the customer 20, then generates a pair of virtual environment transfer instructions for the debit amount, and transmits the virtual environment transfer instructions to the virtual financial service server 112. The virtual environment transfer instruction includes, for example, the specified transfer amount, the virtual identity identification information corresponding to the customer 20, and the payee's virtual identity identification information. On the other hand, the amount of the debit amount is calculated by the financial account management server 111 based on the exchange rate between the virtual currency and the legal currency in the virtual environment E.

After the financial account management server 111 transmits the virtual environment transfer instruction to the virtual financial service server 112, the process proceeds to step S28.

In step S28, when the virtual financial service server 112 receives the virtual environment transfer instruction from the financial account management server 111, the virtual financial service server 112 generates a message including the specified transfer according to the virtual environment transfer instruction. The amount, the transfer request corresponding to the virtual identification information of the customer 20 and the virtual identification information of the payee, and the transfer request is sent to the virtual service system 5 so that the debit amount is transferred to the virtual service system 5 is converted into a virtual currency transfer amount in the virtual environment E. Among them, the virtual currency transfer is made with the specific virtual character controlled by the customer 20 as the transferor, and another virtual character corresponding to the payee's virtual identity identification information (for example, controlled by a friend of the customer 20 virtual character) is the payee, and the virtual currency transfer amount is transferred out through the virtual bank b operated by the financial institution 10 in the virtual environment E.

After the virtual financial service server 112 transmits the transfer request to the virtual service system 5, the process proceeds to step S29.

In step S29, when the virtual financial service server 112 receives a transfer completion record from the virtual service system 5 corresponding to the transfer request, it means that the virtual currency transfer amount has been successfully transferred to the virtual currency of the payee. The virtual character corresponding to the identity recognition data. In this case, the virtual financial service server 112 stores the transfer completion record and sends a transfer success notification corresponding to the transfer completion record to the header of the virtual character control unit 121 Wearable display device 122. Optionally, the virtual financial service server 112 also sends another transfer success notification corresponding to the transfer completion record to the mobile device 2 via the mobile device management server 113 for the mobile device 2 to output another transfer success notification. Successfully notify the customer of 20 references. Finally, the process proceeds to step S30.

In step S30 , when the head-mounted display device 122 receives the successful transfer notification from the virtual financial service server 112 , the head-mounted display device 122 displays the successful transfer notification, thereby prompting the customer 20 that the transfer is successful. The virtual currency transfer has been completed.

The above is the description of the virtual environment transfer process in this embodiment. It should be added that steps S22 to S29 of the virtual environment transfer process are equivalent to being executed by the processing unit of the management system 11 .

It should be understood that steps S11~S17 and S21~S30 in this embodiment The flowcharts in Figures 2 and 4 are only used to illustrate one possible implementation of the virtual environment transfer processing method of the present invention. It should be understood that even if steps S11 to S17 and S21 to S30 are merged, split, or the sequence adjusted, if the process after the merge, split, or sequence adjustment is substantially the same as that of this embodiment, it will be achieved in substantially the same way. The effect still belongs to the implementable aspect of the virtual environment transfer processing method of the present invention. Therefore, steps S11 to S17, S21 to S30 of this embodiment and the flow charts in Figures 2 and 4 are not used to limit the implementable aspects of the present invention. Scope.

To sum up, the virtual environment transfer processing system 1 can bind the financial account applied by the customer 20 to the financial institution 10 in the real environment with the specific virtual character controlled by the customer 20 in the virtual environment E, and This enables the customer 20 to use the deposit in the financial account in the real environment to transfer virtual currency in the virtual environment E through the virtual bank b operated by the financial institution 10, whereby the virtual environment transfer processing system 1 can be integrated Financial transfer services in real and virtual environments can exert extensive application value in the metaverse world, so they can indeed achieve the purpose of the present invention. It is worth mentioning that when the customer 20 wants to transfer money in the virtual environment E, he must operate the virtual character control unit 121 to use the certificate device identification data stored in the certificate electronic device 3 as the first data to be verified. Sent to the management system 11 for verification, and the financial account management server 111 of the management system 11 will determine that the verification is successful only when it at least determines that the first data to be verified is consistent with its own stored certificate device identification data D3. The customer 20 is allowed to make transfers in the virtual environment E, since the voucher is loaded with The set identification information is stored in the electronic certificate device 3 that is kept by the customer 20 and does not have a network connection function. Therefore, using the certificate device identification information for verification can prevent the deposit of the financial account of the customer 20 from being due to a specific If the virtual character is stolen by others, it will be stolen together, which will help ensure the security of virtual environment transfers.

However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by the patent of this invention.

1: Virtual environment transfer processing system

11:Management system

111:Financial account management server

112:Virtual financial service server

113:Mobile device management server

12:User system

121: Virtual character control unit

122:Head mounted display device

123:Input device

2:Mobile device

3: Voucher electronic device

5:Virtual service system

E: virtual environment

b: virtual bank

10:Financial institutions

20:Customer

50:Virtual Service Provider

Claims (8)

A virtual environment transfer processing system, suitable for cooperating with a virtual service system that can provide a virtual environment; the virtual environment transfer processing system includes: A management system is managed by a financial institution and includes a processing unit adapted to be electrically connected to the virtual service system, and a storage unit electrically connected to the processing unit, wherein the storage unit stores a financial account information, and the financial account information corresponds to a financial account opened by the financial institution for a customer; in, The processing unit is used to store a virtual identity identification data related to the virtual environment and the customer and a credential device identification data existing in a credential electronic device to the storage unit, wherein the virtual identity identification data is corresponding to a virtual character that the customer can control in the virtual environment, The processing unit is also configured to, after receiving a virtual environment transfer request including a first data to be verified and a second data to be verified, determine whether the first data to be verified and the second data to be verified respectively match the The virtual identity identification information and the certificate device identification information stored in the storage unit, and if the judgment result is yes, a debit amount will be deducted from the financial account based on the financial account information, and a debit amount related to the financial account will be generated. The transfer request of the debit amount is sent to the virtual service system, so that the debit amount is converted into a virtual currency transfer amount in the virtual environment, wherein the virtual currency transfer amount uses the virtual character as the transferor, and It is transferred out through a virtual bank operated by the financial institution in the virtual environment. The virtual environment transfer processing system as claimed in claim 1, further comprising a client system for electrically connecting to the management system via the virtual service system, the client system including a virtual server adapted to be electrically connected to the virtual service system. Character control unit, wherein the virtual character control unit is used to generate the virtual environment transfer request including the first data to be verified and the second data to be verified, and transmit the virtual environment transfer request to the virtual environment transfer request via the virtual service system Manage this processing unit of the system. The virtual environment transfer processing system as claimed in claim 2, wherein the client system further includes the voucher electronic device for electrically connecting with the virtual character control unit, and the virtual character control unit includes an electronic device capable of communicating with the voucher electronic device. The device is electrically connected to a head-mounted display device, and the virtual environment transfer request is generated by the head-mounted display device according to a user operation by the credential electronic device and transmitted to the management system. The virtual environment transfer processing system as described in claim 1, wherein the virtual identification information is generated by the management system, and the virtual identification information is a unique identification code representing a non-fungible token. A virtual environment transfer processing method is implemented by a virtual environment transfer processing system. The virtual environment transfer processing system is suitable for cooperating with a virtual service system that can provide a virtual environment, and the virtual environment transfer processing system includes a financial institution. Managed and applicable to a management system electrically connected to the virtual service system, the management system stores a financial account information, wherein the financial account information corresponds to a financial account opened by the financial institution for a customer; the virtual service system Environment transfer processing methods include: (A) The management system stores a virtual identity identification information related to the virtual environment and the customer, and a credential device identification information stored in a credential electronic device, wherein the virtual identity identification information corresponds to the customer's ability to a virtual character controlled in the virtual environment; and (B) After receiving a virtual environment transfer request containing a first data to be verified and a second data to be verified through the virtual service system, the management system determines the first data to be verified and the second data to be verified. Whether it is consistent with the virtual identity identification information and the certificate device identification information respectively, and if the judgment result is yes, a debit amount will be deducted from the financial account based on the financial account information, and a debit amount will be related to the debit amount. The transfer request of the debit amount is sent to the virtual service system, so that the debit amount is converted into a virtual currency transfer amount in the virtual environment, wherein the virtual currency transfer amount uses the virtual character as the transferor, and is Transfer out through a virtual bank operated by the financial institution in the virtual environment. As for the virtual environment transfer processing method described in claim 5, the virtual environment transfer processing system also includes a user system, and the user system includes a virtual character control unit adapted to be electrically connected to the virtual service system; the virtual environment The transfer processing method also includes between steps (A) and (B): (C) the virtual character control unit generates a virtual environment transfer request including the first data to be verified and the second data to be verified, and The virtual environment transfer request is transmitted to the management system via the virtual service system. As for the virtual environment transfer processing method described in claim 6, the client system further includes the voucher electronic device for electrically connecting with the virtual character control unit, and the virtual character control unit includes a voucher electronic device that can be electrically connected to the voucher electronic device. A connected head-mounted display device; wherein, in step (C), the virtual environment transfer request is generated by the head-mounted display device according to a user operation by the credential electronic device and transmitted to the management system. The virtual environment transfer processing method as described in claim 5, wherein in step (A), the virtual identity recognition data is generated by the management system, and the virtual identity recognition data represents a non-fungible token. unique identification code.

Images