WO2024060951A1

WO2024060951A1 - Servicing method and apparatus for services

Info

Publication number: WO2024060951A1
Application number: PCT/CN2023/115872
Authority: WO
Inventors: 杨久霞; 踪家双; 孙玉海; 马明园
Original assignee: 京东方科技集团股份有限公司
Priority date: 2022-09-19
Filing date: 2023-08-30
Publication date: 2024-03-28
Also published as: CN115544475A

Abstract

A servicing method and apparatus for services. The method comprises: acquiring biometric information of a customer; performing identity authentication on the customer according to the biometric information of the customer and virtual identity information of same; and when the identity authentication result indicates that the customer has passed identity authentication, providing a target service scenario for the customer according to a service to be handled on the basis of the customer's demand.

Description

A business service method and device

This application claims priority to the Chinese patent application with application number 202211136730.5, submitted on September 19, 2022, the entire content of which is incorporated into this disclosure by reference.

Technical field

The present disclosure relates to the field of metaverse business services, and in particular, to a business service method and device.

Background technique

With the rapid development of economy and technology, various industries are gradually transforming to digitalization. And because the new generation of consumers is more thirsty for content consumption and virtual worlds, the Metaverse came into being. In the metaverse, consumers can have a virtual identity that is a real person who does not exist in the real world. The appearance characteristics, basic personality, and interests and preferences of the virtual identity are all set by the consumers themselves.

Virtual identities are widely used in the fields of live broadcast and endorsement, and most of them are operated in a real-person-driven manner. However, in the current application of virtual identity, the virtual identity and the corresponding identity information of the real person are not strongly bound, which poses a great security risk.

Contents of the invention

On the one hand, a business service method is provided, which includes: obtaining the customer's biometric information; authenticating the customer based on the customer's biometric information and the customer's virtual identity information; and when the customer's identity authentication result is passed, handling the business according to the customer's needs and providing the customer with a target business scenario.

In some embodiments, the identity authentication of the customer based on the customer's biometric information and the customer's virtual identity information includes: preprocessing the customer's biometric information; the preprocessing includes stamping the time stamp; and converting the preprocessed Compare and verify the biometric information with the customer's virtual identity information to determine the first verification result; generate a message to be confirmed based on the preprocessed biometric information and the business that the customer determines needs to be handled and send it to the customer's account opening mobile terminal; receive the customer The second verification result fed back by the account opening mobile terminal; when the first verification result and the second verification result are both passed, it is determined that the customer's identity authentication result is passed.

In some embodiments, the target business scenario includes one or more of the following: auxiliary queuing scenario, business guidance scenario, and self-service processing scenario. The above method also includes: if the waiting time for the business that the customer needs to handle is greater than the first duration threshold, Then provide the customer with an auxiliary queuing scenario; if it is detected that the customer has not performed an operation or performed the first preset operation within the second time length threshold, then provide the customer with a business guidance scenario; where the first preset operation is to request a virtual worker Guidance; if it is detected that the client executes The second preset operation provides customers with a self-service handling scenario; where the second preset operation is to request self-service handling services.

In some embodiments, the customer's virtual identity information is stored in the Yuanshi Bank server or the CRM system server; before performing identity authentication on the customer based on the customer's physical identity information and the customer's virtual identity information, the above method further includes: obtaining The customer's physical identity information; among which, the customer's physical identity information includes the customer's biometric information and the customer's account data information; based on the customer's physical identity information, the biometric algorithm model that determines the customer's virtual identity; based on the customer's virtual identity The biometric algorithm model determines the customer's virtual identity information; stores the customer's virtual identity information to the Metaverse Bank or CRM system server.

In some embodiments, the customer's biometric information includes one or more of the following: fingerprint feature information, voiceprint feature information, iris feature information, facial feature information, palm vein feature information, finger vein feature information; when determining the customer Before obtaining the physical identity information, the above method also includes: obtaining the customer's account data information; the customer's account data information includes one or more of the following: customer name, customer ID, account opening timestamp, account password, customer group attribute information.

In some embodiments, the biometric algorithm model of the customer's virtual identity is determined according to the following steps: based on the biometric image enhancement algorithm, feature extraction is performed on the customer's biometric information, customer name, customer identity ID and customer group attribute information, and determines At least one feature vector; a biometric algorithm model for determining the customer's virtual identity based on at least one feature vector; a biometric algorithm model for the customer's biometric information, customer name, customer identity ID, customer group attribute information and the customer's virtual identity , stamp the account opening timestamp to determine the block data; based on the block data, determine the customer's virtual identity.

In some embodiments, the above method further includes: sending block data to the blockchain node.

In some embodiments, before obtaining the customer's biometric information, the above method further includes: detecting the customer's behavior; if it is detected that the customer's behavior is a contact behavior, providing a welcome service to the customer by a virtual staff; The welcome service includes proactive welcome reception, providing business guidance and consulting services to customers; responding to the customer's third preset operation, determining the business that the customer needs to handle.

On the other hand, a business service device is provided, including: an acquisition unit and a processing unit; the acquisition unit is configured to acquire the customer's biometric information; the processing unit is configured to obtain the customer's biometric information and the customer's virtual identity information. , perform identity authentication on the customer; the processing unit is also configured to provide the customer with a target business scenario according to the business handled by the customer when the identity authentication result of the customer is passed.

In some embodiments, the processing unit is also configured to preprocess the customer's biometric information; the preprocessing includes stamping the time stamp; the processing unit is also configured to convert the preprocessed biometric information into The biometric information is compared and verified with the customer's virtual identity information to determine the first verification result; the processing unit is also configured to generate a message to be confirmed and send it to the customer's account opening based on the preprocessed biometric information and the business determined by the customer's needs. The mobile terminal sends; receives the second verification result fed back by the customer's account opening mobile terminal; the processing unit is also configured to determine that the customer's identity authentication result is passed when both the first verification result and the second verification result are passed. .

In some embodiments, the processing unit is also configured to provide an auxiliary queuing scenario for the customer if the waiting time for the business that the customer needs to handle is greater than the first duration threshold; the processing unit is also configured to provide the customer with an auxiliary queuing scenario if it is detected that the customer is in the first If no operation is performed or the first preset operation is performed within the two-time threshold, a business guidance scenario is provided to the customer; wherein the first preset operation is to request guidance from the virtual staff; the processing unit is also configured to detect that the customer performs The second preset operation provides customers with a self-service handling scenario; where the second preset operation is to request a self-service handling service.

In some embodiments, the acquisition unit is also configured to obtain the customer's physical identity information; wherein the customer's physical identity information includes the customer's biometric information and the customer's account data information; the processing unit is also configured to obtain the customer's physical identity information according to the customer's The physical identity information determines the biometric algorithm model of the customer's virtual identity; the processing unit is further configured to determine the customer's virtual identity information based on the biometric algorithm model of the customer's virtual identity; the processing unit is further configured to convert the customer's virtual identity to The virtual identity information is stored in the Metaverse Bank or CRM system server.

In some embodiments, the acquisition unit is also configured to obtain the customer's account data information; the customer's account data information includes one or more of the following: customer name, customer ID, account opening timestamp, account password, customer group attributes information.

In some embodiments, the processing unit is further configured to perform feature extraction on the customer's biometric information, customer name, customer identity ID and customer group attribute information based on the biometric image enhancement algorithm, and determine at least one feature vector; the processing unit , is also configured to determine the biometric algorithm model of the customer's virtual identity based on at least one feature vector; the processing unit is also configured to determine the customer's biometric information, customer name, customer identity ID, customer group attribute information and customer's The biometric algorithm model of the virtual identity is stamped with the account opening timestamp to determine the block data; the processing unit is also configured to determine the customer's virtual identity based on the block data.

In some embodiments, the business service device further includes: a sending unit; a sending unit configured to send block data to the blockchain node.

In some embodiments, the processing unit is further configured to detect customer behavior; the processing unit is also configured to provide welcome services to the customer by virtual staff when detecting that the customer behavior is a contact behavior; The welcome service includes proactive welcome reception, providing business guidance and consulting services to customers; the processing unit is also configured to determine the customer's needs in response to the customer's third preset operation. Requesting business to be handled.

In yet another aspect, a computer-readable storage medium is provided. The computer-readable storage medium stores computer program instructions. When the computer program instructions are run on a computer (for example, a business service device), they cause the computer to execute the business service device method as described in any of the above embodiments.

In yet another aspect, a computer program product is provided. The computer program product includes computer program instructions. When the computer program instructions are executed on a computer (for example, a business service device), the computer program instructions cause the computer to execute the business service device method as described in any of the above embodiments.

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

Description of the drawings

In order to explain the technical solutions in the present disclosure more clearly, the drawings required to be used in some embodiments of the present disclosure will be briefly introduced below. Obviously, the drawings in the following description are only appendices of some embodiments of the present disclosure. For those of ordinary skill in the art, other drawings can also be obtained based on these drawings. In addition, the drawings in the following description can be regarded as schematic diagrams and are not intended to limit the actual size of the product, the actual flow of the method, the actual timing of the signals, etc. involved in the embodiments of the present disclosure.

Figure 1 is a schematic diagram of an application scenario of a business service method provided according to some embodiments;

FIG2 is a schematic diagram of the architecture of a business service system provided according to some embodiments;

FIG3 is a flow chart of a business service method provided according to some embodiments;

Figure 4 is a schematic diagram of a business scenario provided according to some embodiments;

Figure 5 is a schematic diagram of another business scenario provided according to some embodiments;

Figure 6 is a schematic diagram of another business scenario provided according to some embodiments;

Figure 7 is a flow chart of another business service method provided according to some embodiments;

Figure 8 is a flow chart of another business service method provided according to some embodiments;

FIG9 is a flow chart of another business service method provided according to some embodiments;

Figure 10 is a flow chart of another business service method provided according to some embodiments;

Figure 11 is a schematic diagram of a display screen of a display terminal provided according to some embodiments;

Figure 12 is a schematic diagram of a display screen of another display terminal provided according to some embodiments;

Figure 13 is a structural diagram of a business service device provided according to some embodiments;

Figure 14 is a structural diagram of another business service device provided according to some embodiments.

Detailed ways

The technical solutions in some embodiments of the present disclosure will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some of the embodiments of the present disclosure, rather than all of the embodiments. Based on the embodiments provided by this disclosure, all other embodiments obtained by those of ordinary skill in the art fall within the scope of protection of this disclosure.

Unless the context otherwise requires, throughout the specification and claims, the term "comprise" and its other forms such as the third person singular "comprises" and the present participle "comprising" are used. Interpreted as open and inclusive, it means "including, but not limited to." In the description of the specification, the terms "one embodiment", "some embodiments", "exemplary embodiments", "example", "specific "example" or "some examples" and the like are intended to indicate that a particular feature, structure, material or characteristic associated 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 do not necessarily refer 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.

Hereinafter, the terms “first” and “second” are used for descriptive purposes only and cannot be understood as indicating or implying relative importance or implicitly indicating the quantity of indicated technical features. Therefore, features defined as "first" and "second" may explicitly or implicitly include one or more of these features. In the description of the embodiments of the present disclosure, unless otherwise specified, "plurality" means two or more.

"At least one of A, B and C" has the same meaning as "at least one of A, B or C" and includes the following combinations of A, B and C: A only, B only, C only, A and B The combination of A and C, the combination of B and C, and the combination of A, B and C.

“A and/or B” includes the following three combinations: A only, B only, and a combination of A and B.

As used herein, the term "if" is optionally interpreted to mean "when" or "in response to" or "in response to determining" or "in response to detecting," depending on the context. Similarly, depending on the context, the phrase "if it is determined..." or "if [stated condition or event] is detected" is optionally interpreted to mean "when it is determined..." or "in response to the determination..." or “on detection of [stated condition or event]” or “in response to detection of [stated condition or event]”.

The use of "suitable for" or "configured to" in this document implies open and inclusive language that does not exclude devices that are suitable for 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 "based on" one or more stated conditions or values may in practice be based on additional conditions or beyond the stated values.

As used herein, "about,""approximately" or "approximately" includes the stated value as well as and an average value that is within an acceptable range of variation for a particular value, as determined by one of ordinary skill in the art taking into account the measurement in question and the errors associated with the measurement of the particular quantity (i.e., limitations of the measurement system ) determined.

As used herein, "parallel," "perpendicular," and "equal" include the stated situation as well as situations that are approximate to the stated situation within an acceptable deviation range, where Such acceptable deviation ranges are as determined by one of ordinary skill in the art taking into account the measurement in question and the errors associated with the measurement of the particular quantity (ie, the limitations of the measurement system). For example, "parallel" includes absolutely parallel and approximately parallel, and the acceptable deviation range of approximately parallel may be, for example, a deviation within 5°; "perpendicular" includes absolutely vertical and approximately vertical, and the acceptable deviation range of approximately vertical may also be, for example, Deviation within 5°. "Equal" includes absolute equality and approximate equality, wherein the difference between the two that may be equal within the acceptable deviation range of approximately equal is less than or equal to 5% of either one, for example.

For example, specifically, in the Yuanverse Bank in the digital industry era, consumers (hereinafter referred to as customers) can handle banking services or conduct transactions with virtual identities. However, if the customer's physical identity in the real world is simply mapped to the virtual identity in the virtual environment, and the customer's physical identity in the real world is not strongly bound to the virtual identity in the virtual environment, it will easily lead to customer confusion. Accounts have been misappropriated, causing serious transaction security issues. Moreover, at this stage, Yuan Universe Bank’s customer identity authentication process is not complete enough during the business processing process, and it is unable to properly ensure the security of business transactions.

In view of this, the present disclosure provides a business service method and device to solve the existing technology problems of insufficient identity authentication and low business security when customers conduct business or transactions at Yuanshi Bank. The method provided by this disclosure can also provide a variety of target scenarios for the business needs to be handled by customers to meet the business handling needs of customers.

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

Processor, the processor can be a general central processing unit (CPU), A microprocessor, an application-specific integrated circuit (ASIC), or one or more integrated circuits used to control program execution of the disclosed solution.

Transceiver, a transceiver can be any device such as a transceiver used to communicate with other devices or communication networks, such as Ethernet, radio access network (RAN), wireless local area networks, WLAN) etc.

Memory, memory can be read-only memory (ROM) or other types of static storage devices that can store static information and instructions, random access memory (random access memory, RAM) or other types that can store information and instructions. Type of dynamic storage device, it can also be electrically erasable programmable read-only memory (EEPROM), compact disc read-only memory (CD-ROM) or other optical disk storage, optical disc Storage (including compact discs, laser discs, optical discs, digital versatile discs, Blu-ray discs, etc.), magnetic disk storage media or other magnetic storage devices, or can be used to carry or store desired program code in the form of instructions or data structures and can be used by Any other media accessed by a computer, but not limited to this. The memory can exist independently and be connected to the processor through communication lines. Memory can also be integrated with the processor.

It should be noted that the various embodiments of the present disclosure can be used for reference or reference to each other. For example, the same or similar steps, method embodiments, system embodiments and device embodiments can be referred to each other without limitation.

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

Illustratively, as shown in Figure 1, Figure 1 is a schematic diagram of an application scenario of a business service method provided according to some embodiments. The application scenario in Figure 1 includes a digital business service system 10, a client 20 and a Yuanverse bank server 30.

Among them, the digital business service system 10 can provide metaverse virtual business services to customers 20 based on human-computer interaction.

After the customer 20 makes a 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 achieve accurate interaction with the customer 20 through the interactive devices in the business service system 10.

The Yuanverse Bank server 30 is used to receive the communication data sent by the business service system 10 to realize the Yuanverse banking business processing of the customer 20 .

The application scenarios of a business service method provided by some embodiments of the present disclosure have been described above.

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

Among them, the interactive system 11 is used to realize the interaction with the Metaverse for the client 20 .

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

In some embodiments, the interaction system 11 has built-in interaction rules, so that the interaction system 11 can implement human-computer interaction according to the operations of the customer 20 .

In some embodiments, the interactive system 11 is equipped with sensing devices or other sensor devices with detection functions to collect customer-related information and detect customer status and behavior information. For example, sensing devices are used to sense the customer's location, status and behavioral information. Based on different application segmentation scenarios, the sensing device package can select types of sensing devices such as cameras, somatosensory, touch, radar, and voiceprint recognition.

In some embodiments, when 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 sent to the digital business management platform 14 at the same time, so that the digital business management platform 14 can use it according to the customer's information. The information to determine the identity information of the customer, the digital business management platform 14 can also further send it to the Yuanshi Bank server or the Customer Relationship Management (Customer Relationship Management, CRM) system for customer identification to determine the identity information of the customer.

The computing platform 12 is used to calculate the status information and behavior information of the customer 20 obtained by the interactive system 11, thereby ensuring that the subsequent business scenarios and virtual staff interactions provided by the digital business management platform 14 are accurate. In addition, the computing platform 12 is also used to calculate the Internet of Things status of the business scenario, and upload relevant data of the Internet of Things status to the digital business management platform 14, so that the digital business management platform 14 records these data.

In some embodiments, the computing platform 12 can also accurately calculate the customer's behavioral instructions based on the real-time location, customer status, customer behavior, and customer business demand information perceived by the interactive system 11, and then feed the instructions back to the interactive terminal. , allowing the interactive terminal to accurately present business scenarios according to instructions. For example, the content presented by the interactive terminal in the interactive system 11 includes scene space, scene service processing process information, service transaction volume information, current queue status, and environmental conditions.

In some embodiments, the computing platform 12 is also used to calculate and determine the customer category to which the current customer belongs, that is, whether the current customer is an existing customer or a visiting customer, based on the relevant information of the customer collected by the sensing device in the interactive system 11.

In some embodiments, the computing platform 12 is also used to calculate and determine the gender, personality, age, asset status, consumption habits, environmental information, etc. of the current customer based on the customer's relevant information collected by the sensing device in the interactive system 11 . After that, the digital business service system 10 will The calculation result generates a virtual identity for the current customer, so that the customer can log in to Yuanshi Bank with the virtual identity to handle the required business.

In some embodiments, the computing platform 12 is also used to calculate IoT status data for business scenarios provided to customers. After that, the digital business service system 10 can provide personalized services to customers based on the Internet of Things status data. For example, the IoT status data may include characteristics such as festivals, solar terms, weather, etc.

The storage module 13 is used to store data sensed and processed by the interactive system 11, model data of business scenarios provided by the digital business management platform 14, data generated by the interactive system 11 in response to customer behavior, etc.

In some embodiments, the storage module 13 is also used to store data determined after analysis and calculation by the computing platform 12 . For example, the computing platform 12 calculates and determines the gender, personality, age, asset status, consumption habits, and environmental information of the current customer based on the customer's relevant information collected by the sensing device in the interactive system 11, or the computing platform 12 calculates Provide customers with IoT status data for business scenarios.

Digital business management platform 14, used to manage multimedia material content and data of digital business scenarios, 3D virtual space models and data of digital business scenarios, virtual identity models and data, virtual employee models and data, digital business scenario interaction data, and personalized recommendations Service data. Moreover, the digital business management platform 14 is also used for data interaction with Yuanverse Bank to realize customers' Yuanverse Banking business processing.

In some embodiments, the digital business management platform 14 can be divided into a digital content management unit, a digital twin business scenario space management unit, a data management unit, and a personalized service recommendation management unit to realize the multimedia material content and data of the above-mentioned digital business scenarios. Management functions of digital business scenario 3D virtual space model and data, virtual identity model and data, virtual employee model and data, digital business scenario interaction data, and personalized recommendation service data.

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

In some embodiments, when the computing platform 12 and the storage module 13 are configured locally, in order to alleviate the computing resource occupation pressure of the local device, the computing platform 12 and the storage module 13 can be configured in the edge box 15 based on edge cloud computing technology (Fig. (shown with a dotted box).

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

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

1. Perceive customer functions

It should be noted that the customer sensing function can be divided into functions such as sensing customer behavior, virtual staff reception, and virtual staff information presentation.

1.1. Function of sensing customer behavior: The interactive system 11 senses customer behavior through the set sensing device. For example, sensing the customer’s contact, departure, gesture operations and other behaviors.

1.2. Virtual staff reception function: The interactive system 11 displays virtual staff on the interactive terminal to greet and receive customers.

1.3. Virtual staff information presentation function: The interactive system 11 displays virtual staff information for customers to review.

For example, when the sensing device of the interactive system 11 senses the customer's contact behavior, the virtual staff appears on the interactive display terminal to welcome and receive guests. At the same time, the interactive terminal also displays the virtual staff's information for customers to check.

2. Collect customer information function

It can be understood that the interactive system 11 can collect customer information through sensing devices.

For example, the interactive system 11 can be equipped with a camera and a fingerprint collection device to collect the customer's facial feature information, iris feature information, and fingerprint feature information.

3. Calculate and store customer identity function

It should be noted that the function of calculating and storing customer identity can be divided into functions such as identifying customer belonging categories, calling existing customer information, guiding visiting customers to open accounts, and presenting customer identity information.

3.1. Customer category identification function: Based on the function of collecting customer information, the interactive system 11 sends the customer information to the computing platform 12, and the computing platform 12 determines the category of the current customer accordingly. For example, the customer categories include existing customers and visiting customers. Existing customers are customers who have completed account opening operations and have historical access records. Visiting customers are customers who visit for the first time and have not opened an account. Based on this, the interactive system 11 can determine whether the current customer is an existing customer or a visiting customer.

3.2. Call existing customer information function: the computing platform 12 accesses the customer information database and calls customer-related information. In some embodiments, the computing platform 12 can send the called customer information to the interactive system 11, and after screening by the interactive system 11, the customer information that can be disclosed and has lower confidentiality requirements is displayed to the customer on the interactive terminal. In some embodiments, the customer information database may be a database in a digital business management platform, or may be a database provided on the Yuanverse Bank server. When the customer information database is the latter, the digital business management platform obtains customer-related information by sending a call request to the Yuan Universe Bank server.

3.3. Function of guiding visiting customers to open accounts: The interactive system 11 guides visiting customers to open accounts. It is understandable that in the process of visiting customers for account opening operations, it is necessary to collect customer-related information. Information, at this time the interactive system 11 can combine with the computing platform 12 to obtain, calculate and store the characteristic information of the visiting customers. For example, the customer's gender, age, and personality information are analyzed, calculated, and stored.

3.4. Function of presenting customer identity information: The interactive system 11 displays the customer's identity information on the interactive terminal for customers to review. For example, in conjunction with the description in 3.2 above, the interactive system 11 can display customer information that can be disclosed and has low confidentiality requirements on the interactive terminal to the customer. Alternatively, the interactive system 11 is based on an interactive terminal and presents customers with their corresponding virtual identities in business scenarios, so as to bring customers an immersive Metaverse business experience.

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

4. Business information upload and business scenario push functions

It should be noted that the business information upload and business scenario push functions can be divided into business information upload, business scenario push and other functions.

4.1. Customer demand analysis function: After the customer performs corresponding operations through the interactive system 11, the interactive system 11 responds to the customer's operation and sends information reflecting the customer's needs to the computing platform 12. The computing platform 12 can analyze and analyze the customer's needs accordingly. Calculate, and send the analysis and calculation results to the digital business management platform 14.

4.2. Business scenario push function: The digital business management platform 14 pushes the corresponding business service scenario to the interactive terminal of the interactive system 11 according to the customer's needs, and the interactive terminal displays it to the customer.

It can be understood that the business information upload and business scenario push functions can provide customers with business service scenarios based on their needs.

5. Personalized service provision function

It is understandable that different customers have different business needs. In this disclosure, in the specific business scenarios provided by the digital business management platform 14 to customers, the interactive behaviors of virtual staff providing services to customers are obtained in advance through AI technology training, and can provide customers with services through voice, text, corresponding videos, and animations. Provide requested services and interact with customers. In each business scenario, the digital business management platform 14 combines the analysis results of the customer's behavior and input information with the computing platform 12 to make intelligent decisions to provide customers with personalized business needs.

6. Personalized service presentation function

It can be understood that after the digital business management platform 14 determines the personalized service business scenario to be provided to the customer through intelligent decision-making based on the customer's needs, the relevant information of the business scenario can be sent to the interactive terminal of the interactive system 11 to enable interaction. The terminal presents the business scenario, giving customers an immersive and immersive feeling. At this time, the interactive terminal presents a virtual spatial dimension. and digital business scenarios in the real time dimension.

The above has given a detailed description of the functions that can be realized by the digital business service system 10 provided by the present disclosure.

The digital business interaction system provided by the present disclosure can provide customers with multi-dimensional interactive financial scenarios, bring customers an immersive interactive experience, improve customer brand promotion when contacting the business, and at the same time improve customers' business handling experience and increase It increases customer stickiness and helps promote and display Yuanshi Bank’s business.

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

It should be pointed out that in the business service method provided by the present disclosure, the execution subject is the business service device. The business service device may be an electronic device (such as a computer terminal, a server), a processor in the electronic device, a control module for business services in the electronic device, or a processor in the electronic device. Business service client.

The process of the business service method provided by this embodiment is described below.

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

Step 301: The business service device obtains the customer's biometric information.

Among them, the customer's biometric information may include one or more of the following: fingerprint feature information, voiceprint feature information, iris feature information, facial feature information, palm vein feature information, and finger vein feature information. It can be understood that, based on the function introduction of the digital business interaction system mentioned above, when the digital business interaction system is implemented as a business service device, the business service device can obtain customer information based on the customer sensing function and the customer information collection function. biometric information.

In a possible implementation, the business service device can set up a camera to obtain the customer's iris feature information and facial feature information, set up a fingerprint collection device to obtain the customer's fingerprint feature information, and set up a vein information collection device to obtain the customer's fingerprint feature information. palm vein characteristic information and finger vein characteristic information, and set up voiceprint collection equipment to obtain the customer's voiceprint characteristic information.

In a possible implementation, after obtaining the customer's biometric information, the business service device, in addition to storing the customer's biometric information in the storage module, can also send the customer's biometric information to the Yuanshi Bank Head Office. The customer management system and the local virtual branch server of Yuanshi Bank are used to achieve dual backup between the cloud and the edge, which can not only ensure the security of customers' biometric information, but also use edge computing to achieve low latency.

Step 302: The business service device based on the customer's biometric information and the customer's virtual identity information, Authenticate the customer's identity.

Among them, the customer's virtual identity information is the information related to the virtual identity registered when the customer first handles Yuanshi banking business through the business service device. For example, the customer's virtual identity information may include one or more of the following: the customer's virtual image, virtual name, virtual assets, virtual social relationships, etc.

It should be noted that the customer's virtual identity is the customer's only identity mark in Yuanverse Bank. Only through this virtual identity can the customer access Yuanverse Bank and handle business.

In a possible implementation, in the embodiment of the present disclosure, when a customer visits Yuanshi Bank for the first time, the business service device determines the customer's virtual identity based on the customer's biometric information and account data information, and the virtual identity has a unique sex. Specifically, when the business service device determines that the current customer is a customer visiting for the first time based on the customer belonging category identification function mentioned above, the business service device collects the customer's biometric information and account data information, and based on the customer's biometric features Information and account data determine the virtual identity of the customer.

In a possible implementation, in the embodiment of the present disclosure, after the customer's virtual identity is determined, the relevant information of the customer's virtual identity can be stored on the blockchain according to blockchain technology to ensure the customer's virtual identity. Security and uniqueness of identity.

For example, take the customer's biometric information including iris feature information as an example. When the business service device determines that the current customer is a first-time visitor, it collects the customer's iris feature information; after that, the business service device establishes an iris algorithm model for designing virtual identities based on the customer's iris feature information and account data information. . Furthermore, the business service device migrates the customer's biometric information and account data information to the virtual identity based on the iris algorithm model, and designs a virtual identity that is strongly bound to the customer's biometric features.

It is understandable that since the virtual identity is based on the customer's biometric information, while the iris feature information ensures the uniqueness of the customer's identity, the customer's virtual identity is also unique.

In one possible implementation, the business service device performs an identity authentication process on the customer based on the customer's biometric information and the customer's virtual identity information. Specifically, the process includes two verification processes, which are described in detail below:

Verification process 1. Business service device side verification process.

In this verification process, the business service device pre-processes the customer's biometric information, and then performs comparison verification with the customer's virtual identity information to determine the first verification result.

Verification process 2. Client-side verification process.

In this verification process, the business service device will process the customer’s biometric information after preprocessing. Based on the business needs of the customer, a message to be confirmed is generated and sent to the customer's account opening client. After the customer confirms on the account opening client, the business service device receives the information fed back by the account opening client and determines the second verification result accordingly.

Further, when both the first verification result and the second verification result are passed, the business service device determines that the identity authentication result of the customer is passed.

It should be noted that the business service device specifically authenticates the customer's identity based on the customer's biometric information and the customer's virtual identity information. Please refer to the following steps 701-705, which will not be described again here.

Step 303: When the identity authentication result of the customer is passed, the business service device provides the customer with a target business scenario according to the business required by the customer.

In a possible implementation, if the identity authentication result of the customer by the business service device is passed, then when the digital business interaction system is implemented as a business service device, the business service device can be based on the function of sensing customers and collecting customer information. , to obtain the business that customers need to handle. Further, the business service device provides customers with target business scenarios based on the business handled by customers.

For example, the target business scenario provided by the business service device may include one or more of the following: auxiliary queuing scenario, business guidance scenario, and self-service processing scenario. The following is a detailed introduction to the target business scenarios provided by the business service device according to the situation:

Situation 1: The waiting time for the business that the customer needs to handle is greater than the first duration threshold.

At this time, it means that the business the customer needs to handle is a popular business, and there are many people handling it before, so they need to wait for a long time. Furthermore, the business service device can provide auxiliary queuing scenarios for customers, help customers queue up, and notify customers to proceed with business processing after queuing is completed.

It can be understood that when the auxiliary queuing scenario provided by the business service device for customers is implemented as a business service device in conjunction with the digital business interaction system, as shown in Figure 4, this scenario can be implemented as follows: for multiple people (that is, three people) In the business scenario A of queuing (more than 100 people), the digital business interaction system queues the virtual identities of different customers according to the order in which they log in (that is, virtual identity 1, virtual identity 2, and virtual identity 3 in the figure). When the digital business interaction system handles business for virtual identity 1 in sequence, the digital business interaction system guides virtual identity 1 to business scenario A to handle business. At this time, virtual identity 2 and virtual identity 3 are in a queue waiting state; when virtual identity 1 handles business At the end, the system sends an invitation to virtual identity 2 and guides virtual identity 2 to business scenario A to handle business. At this time, virtual identity 3 is waiting in line. In one possible implementation, if a customer has too many virtual identities queued up before, the digital business interaction system can remind the customer that there are too many people in the queue and please handle other business first.

Scenario 2: The customer does not perform any operation or performs the first preset operation within the second time duration threshold.

In a possible implementation, the customer's first preset operation is to click or slide 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 the displayed interactive interface. When the customer clicks the button, it indicates that the business service device is requested to guide the business processing.

At this time, it means that the customer is relatively unfamiliar with the business that needs to be handled and has not taken the next step within a certain period of time, or the customer directly requests the business service device to guide the business handling. Furthermore, the business service device can provide customers with business guidance scenarios and use virtual staff to guide customers to handle business.

It can be understood that when the business service device provides business guidance scenarios for customers, combined with the digital business interaction system, and is implemented as a business service device, as shown in Figure 5, in this scenario, it can be implemented as: Business corresponding to Yuanshi banking business There are multiple scenarios. When the virtual identity logs in to the business selected by Yuanshi Bank, the digital business interaction system provides customers with business guidance scenarios, such as a visual guidance interface. The guidance interface can set voice or text reminders to guide customers' virtual The identity reaches the corresponding business scenario to handle the business. When customers are handling business, the digital business interaction system may allocate virtual staff according to different business scenarios, and virtual staff can provide personalized services to customers. For example, personalized services include virtual staff with professional skills for the same business scenario, and virtual staff images designed based on the characteristics of current customers.

Scenario 3: The customer performs the second preset operation.

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

At this time, it means that the customer is familiar with the business that needs to be handled, and directly chooses self-service without the guidance of virtual staff. Furthermore, the business service device can provide customers with self-service handling scenarios so that customers can handle business by themselves.

It can be understood that when the self-service handling scenario provided by the business service device for customers is combined with the digital business interaction system and implemented as a business service device, as shown in Figure 6, in this scenario, it can be implemented as: the digital business interaction system provides customers with In the self-service handling scenario, virtual staff are not assigned to customers so that customers can handle business by themselves. In addition, customers can issue instructions for virtual staff through touch interaction or voice. After receiving the instruction, the digital business interaction system assigns virtual staff to serve customers.

Based on the above technical solution, this embodiment obtains the customer's biometric information and compares it with the customer's corresponding virtual identity information in the metaverse to achieve identity verification of the customer. When the identity verification result is passed, we will provide customers with multiple target business scenarios based on the business they need to handle. As a result, the security verification of the customer's identity is achieved, the security of the customer's property is guaranteed, and at the same time, it can also provide customers with multiple target scenarios that meet their needs, improve the customer's business handling experience, increase the customer's stickiness, and have Contribute to the promotion and display of Yuanshi Bank’s business.

Illustratively, in conjunction with Figure 3, as shown in Figure 7, Figure 7 is another business service method provided according to an embodiment, including the following steps:

Step 701: The business service device preprocesses the customer's biometric information.

In a possible implementation manner, the business service device preprocessing the customer's biometric information includes stamping the customer's biometric information with a time stamp.

Step 702: The business service device compares and verifies the preprocessed biometric information with the customer's virtual identity information to determine the first verification result.

It is understandable that since the customer's virtual identity is determined based on the customer's biometric information, when the customer logs in to Yuanshi Bank, the customer's virtual identity and biometric information should correspond. Furthermore, after the business service device compares and verifies the preprocessed biometric information with the customer's virtual identity information, when the first verification result is passed, it means that the customer has logged in for himself, and there is no security risk; when the first verification result is not Passing means that the customer does not log in for himself and there is a security risk.

Specifically, taking the case where the customer's biometric information includes iris feature information, when the digital business interaction system is implemented as a business service device, the business service device extracts the iris feature information from the pre-processed biometric information; thereafter, the business service device extracts the iris special diagnosis information collected and stored by the customer for determining the virtual identity from the storage module based on the function of calculating and storing the customer's identity, and compares the stored iris feature information with the iris feature information extracted from the pre-processed biometric information. If the comparison results of the two pieces of information are consistent, the first verification result is determined to be passed.

Step 703: The business service device generates a message to be confirmed based on the preprocessed biometric information and the business that the customer determines needs to be handled, and sends it to the customer's account opening mobile terminal.

Among them, the information to be confirmed includes the device identification of the collection device of the business service device, as well as the customer's biometric information, account information, and timestamp information.

For example, the message to be confirmed generated by the business service device may be in the form of a two-dimensional code. When the customer confirms that the operation is done by himself and scans the QR code on the account opening client and confirms the verification, the customer's account opening client will feed back to the business service device a second verification result indicating that the client side has passed the verification. In the same way, if the customer is not logging in to Yuanshi Bank to handle business, the account opening client will feed back the second verification result of failed verification to the business service device.

Step 704: The business service device receives the second verification result fed back by the customer's account opening mobile terminal.

It can be understood that the second verification result received by the business service device from the customer's account opening mobile terminal includes two results: verification passed and verification failed.

Step 705: When the first verification result and the second verification result are both passed, the business service device determines that the identity authentication result of the customer is passed.

It can be understood that if both the first verification result and the second verification result are passed, it means that both the business service device side and the client side have passed the verification. Only then will the business service device determine that the identity authentication result for the customer is passed. Therefore, this embodiment realizes double authentication, preventing a virtual identity with a fake identity from logging into the customer account after the customer information is stolen, and avoiding customer property losses.

Based on the above technical solution, this embodiment implements dual authentication on the digital business interaction system side and the customer account opening mobile side based on the customer's biometric information and virtual identity information, further ensuring the reliability of customer identity authentication and improving business processing. Safety in the process.

Illustratively, in conjunction with Figure 3, as shown in Figure 8, Figure 8 is another business service method provided according to an embodiment, including the following steps:

Step 801: The business service device obtains the customer's physical identity information.

Among them, the customer's physical identity information includes the customer's biometric information and account data information.

For example, the customer's account data information includes one or more of the following: customer name, customer ID, account opening timestamp, account password, and customer group attribute information.

In some embodiments, the customer group attribute information may be characteristic information of the customer group. For example, the customer group attribute information may include the customer's age group, gender, occupational attributes, etc., which is not limited in this embodiment of the disclosure.

It can be understood that when obtaining the customer's biometric information, the business service device simultaneously obtains the customer's account data information.

Step 802: The business service device determines the biometric algorithm model of the customer's virtual identity based on the customer's physical identity information.

It can be understood that the type of biometric algorithm model depends on which biometric characteristics of the customer are included in the customer's biometric information. For example, if the customer's biometric information includes iris feature information, the biometric algorithm model is an iris algorithm model; if the customer's biometric information includes fingerprint feature information, the biometric algorithm model is a fingerprint algorithm model. Similarly, when the customer's biometric information includes multiple biometric features of the customer, the biometric algorithm model is a composite algorithm model.

In a possible implementation, the customer's biometric information includes iris feature information. When the service device determines that the current customer is a first-time visitor, the customer's iris feature information is collected. Feature information; after that, the business service device establishes an iris algorithm model for designing a virtual identity based on the customer's iris feature information and account data information.

Step 803: The business service device determines the customer's virtual identity based on the biometric algorithm model of the customer's virtual identity.

Illustratively, based on the example in step 802, the business service device migrates the customer's biometric information and account data information to the virtual identity based on the iris algorithm model, and designs a virtual identity that is strongly bound to the customer's biometric features.

It should be noted that in the embodiment of the present disclosure, the business service device can combine blockchain technology to determine the biometric algorithm model of the customer's virtual identity, and then determine the customer's unique virtual identity through the model. The aforementioned steps 802-803 are explained below with a specific example of the customer's biometric information including iris feature information:

1) Based on the biometric image enhancement algorithm, the business service device extracts features from the customer's biometric information, customer name, customer identity ID and customer group attribute information, and determines at least one feature vector.

Among them, the biometric image enhancement algorithm is an existing technology in this field. Then, performing feature extraction on the feature information according to the biometric image enhancement algorithm to obtain feature vectors is a mature technical means in this field, and the embodiments of the present disclosure will not be described in detail here.

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

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

3) The business service device stamps the account opening time stamp on the customer's biometric information, customer name, customer ID, customer group attribute information and the customer's virtual identity biometric algorithm model to determine the block data.

Among them, the business service device determines the block data. In some embodiments, the business service device sends the above block data to the blockchain node based on blockchain technology to take advantage of the non-tampering characteristics of the blockchain technology to ensure Security and uniqueness of block data.

4) The business service device determines the customer's virtual identity based on the block data.

In some embodiments, when determining the virtual identity of a customer based on the block data, the business service device may also combine external environmental conditions. For example, the appearance, clothing, etc. of the virtual identity may be designed based on different seasons, festivals, or solar terms in a year, thereby generating the virtual identity of the customer in the Metaverse Bank.

It should be noted that the virtual identity of the customer determined in the embodiment of this disclosure is the customer’s identity in the metaverse. A sign of unique identity in banks. In Metaverse Bank, the virtual identities of all customers are independent individuals, and different virtual identities correspond to the accounts of different customers in Metaverse Bank. In addition, since a customer may have multiple Metaverse bank accounts, the same virtual identity can have multiple Metaverse bank accounts.

Step 804: The business service device stores the customer's virtual identity information in the Yuanverse Bank server or CRM system server.

For example, as described above for the digital business management system, when the digital business interaction system is implemented as a business service device, the business service device can transmit the customer's virtual identity information to the Yuanshi Bank server or the Yuanshi Bank server through data interaction. The CRM system server sends it, causing the Yuanshi Bank server or the CRM system server to store the customer's virtual identity information.

Based on the above technical solution, this embodiment uses an algorithm model to generate a one-to-one strongly bound virtual identity for the customer based on the customer's physical identity information, thereby preventing malicious attackers or fake accounts from impersonating the customer's virtual identity, greatly improving the security and reliability of the customer's virtual identity, and at the same time providing a guarantee for the smooth implementation of the customer's identity authentication process in subsequent business processing.

Illustratively, in conjunction with Figure 3, as shown in Figure 9, Figure 9 is another business service method provided according to an embodiment, including the following steps:

Step 901: The business service device detects customer behavior.

It can be understood that when the digital business interaction system is implemented as a business service device, the business service device can detect the customer's behavior based on the customer sensing function.

Step 902: When the business service device detects that the customer's behavior is a contact behavior, the virtual staff provides welcome service to the customer.

Among them, welcome services include proactive welcome reception, providing business guidance and consulting services to customers.

It should be understood that the contact behavior indicates that the customer has interacted with the business service device and needs to handle relevant Yuanverse banking services.

It should be noted that when the digital business interaction system is implemented as a business service device, the virtual staff is a virtual image displayed on the interactive terminal by the business service device through the set interactive system and used to welcome and receive customers. In addition, the business service device also displays the information of the virtual staff on the interactive terminal provided for customers to check and learn the types of business that the virtual staff can provide and handle.

Step 903: In response to the customer's third preset operation, the business service device determines the business that the customer needs to handle.

In a possible implementation, the customer's third preset operation is to click or slide on the interactive terminal. Correspondingly, the interactive terminal is equipped with business option buttons, or the interactive terminal displays The interactive interface shown is provided with a business option virtual button. When the user clicks the button, it indicates that the business service device is requested to guide the management of the corresponding type of business.

Based on the above technical solution, this embodiment can detect the customer's behavior, assign virtual staff to the customer, and at the same time determine the business that the customer needs to handle based on the customer's operation, so as to facilitate the subsequent business processing process.

Illustratively, with reference to Figure 10, Figure 11 and Figure 12, another business service method provided by some embodiments is described in combination with the actual usage scenario of the customer, including the following steps:

Step 1001: The interactive system displays the scene space of the metaverse.

At this time, there is no customer contact and the digital business service system is in a silent state.

Step 1002: The interactive system senses customer contact and allocates virtual staff to provide welcome services to customers.

For example, as shown in FIG11 , the customer arrives in front of the digital business service system. Further, as shown in FIG5 , the sensing device in the interactive system senses the customer behavior based on the sensing customer function. After sensing the customer's arrival, the interactive system displays a virtual staff member on the display terminal to provide a welcoming service for the customer. The process of the interactive system sensing the customer's behavior can be found in the functional description of the digital business service system above, which will not be repeated here.

Step 1003. The interactive system collects customer information.

It can be understood that the sensing device in the interactive system collects customer information based on the function of collecting customer information, and the customer information includes the customer's biometric information described above. For example, the sensing device collects the customer's iris characteristic information. The process of the interactive system accessing customer information can be found in the functional description of the digital business service system above, and will not be described again here.

Step 1004: The computing platform determines customer ownership based on the collected customer information.

For example, corresponding to the example in step 1003, the computing platform determines whether the customer's attribution category is an existing customer or a visiting customer based on the customer attribution category recognition function and the customer's iris feature information. The process of the computing platform determining the customer's attribution is described in the above functional description of the digital business service system, which will not be repeated here.

If the computing platform determines that the customer is an existing customer, subsequent steps 1005 will be executed;

If the computing platform determines that the customer is an access customer, subsequent step 1007 is performed.

Step 1005: The computing platform calls customer information.

For example, the computing platform calls the customer information stored in the database based on the function of calling existing customer information. For the specific process of calling customer information by the computing platform, please refer to the functional description of the digital business service system above, and will not be repeated here.

Step 1006: The digital business management platform authenticates the customer's identity.

In a possible implementation, the digital business management platform compares and verifies the customer information received from the interactive system with the customer information called in the database. In addition, the digital business management platform can also send a confirmation message to the customer's account opening mobile terminal in the form of a QR code, so that the customer can determine whether the login to the Metaverse is done by him/her. When both verification results are passed, the digital business management platform determines that the identity authentication has passed.

It can be understood that, for the process of identity authentication of the client by the computing platform, please refer to the aforementioned step 302, steps 701-705, and steps 801-804, which will not be described again here.

It should be noted that when the business that the customer needs to handle is Metaverse Bank's financial business and requires card payment (that is, the interactive system is equipped with a card swiping terminal), the QR code information sent by the digital business service system to the customer's account opening mobile terminal includes the ID of the card swiping terminal.

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

For example, the interactive system guides the visiting customer to open an account based on the function of guiding the visiting customer to open an account. For the process of how the interactive system guides customers to open an account, please refer to the functional description of the digital business service system above and will not be repeated here.

It is understandable that after the visiting customer opens an account, there is no need to authenticate the visiting customer's identity.

Step 1008: The interactive system displays customer information and scene information.

For example, after the digital business management platform passes the customer's identity authentication, or the customer successfully opens an account, the digital business management platform instructs the interactive system to display the customer information and the business scenario provided by the digital business service system on the display terminal of the interactive system.

In a possible implementation, as shown in Figure 11, the digital business management platform can also instruct the display terminal of the interactive system to display the customer's virtual identity in the business scenario. For example, after logging into the business system, the customer logs in to the business scene in the metaverse space using the image of a virtual identity.

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

For example, the interactive system determines the business that the customer needs to handle based on the customer demand analysis function. The process of the interactive system specifically determining the business that customers need to handle can be found in the functional description of the digital business service system above, and will not be described again here.

Step 1010. The digital business management platform pushes business scenarios to customers.

For example, as shown in Figure 12, the digital business management platform pushes business scenarios to customers based on the business scenario push function. Customers can click on the corresponding area in the business scenario to enter the corresponding business processing scenario. The digital business management platform specifically handles business based on customer needs and pushes business scenarios to customers. Please refer to the functional description of the digital business service system above and will not go into details here.

Step 1011. The digital business management platform provides customers with personalized services.

In a possible implementation manner, the personalized services provided by the digital business management platform to customers include providing customers with different target business scenarios. For details, see step 303 above.

In another possible implementation, the personalized services provided by the digital business management platform to customers may also include assigning different virtual staff images to customers.

Illustratively, virtual workers in the target business scenario receive customers and provide business support and services. And the way virtual staff interact with customers in the target business scenario is pre-trained through artificial intelligence technology, and speech and corresponding animations are generated through text drive. Specifically, it realizes the interaction between digital employees and customers by automatically obtaining and analyzing the information input by the customers, deciding the subsequent output text of the virtual staff based on the calculation results, and driving the virtual staff to generate corresponding voices and actions.

In addition, the virtual staff image in the embodiment of the present disclosure can be an exclusive digital employee designed for the customer by the digital business management platform based on customer attributes and a biometric algorithm model. At the same time, the appearance characteristics of the exclusive digital employee are based on environmental conditions and customer attribute characteristics. Changes can meet customers' service needs and improve customers' business experience.

Step 1012. The digital business management platform provides personalized services to customers.

It is understandable that the personalized services provided to customers by the digital business management platform in step 1011 are presented to customers based on the interactive system. The interactive system is based on the personalized service presentation function. For details about the process of presenting personalized services, please refer to the functional description of the digital business service system above, and will not be repeated here.

It should be noted that the above steps 1001-1012 specifically describe the process of a customer handling Metaverse banking business according to the digital business service system provided by the embodiment of the present disclosure. The process described in steps 1001-1012 is only a possible example of the business service method provided by the present disclosure, and does not mean that the business service method provided by the present disclosure can only be implemented by relying on the process of steps 1001-1012.

Illustratively, with reference to Figure 6, another business service method provided by some embodiments will be described in conjunction with the customer's actual usage scenario:

S1. Display the three-dimensional space of Yuan Universe Bank, including multiple three-dimensional space scenes; when a customer is sensed, the interactive system display window switches the display window content based on the calculation results of the computing platform.

S2. Customers can selectively operate the display window of the interactive system according to their own business needs.

Among them, business needs are the specific business content expected by customers to handle specific business processing requirements in Yuanshi Bank, including specific business classifications and partitions in Yuanshi Bank.

S3. Adjust the display effect of the business scenario on the display terminal according to the customer's business processing needs and business processing content, and adjust the display effect of the business scenario and scene business content in the interactive system display window according to the location of the virtual identity.

It should be noted that the interaction method in the embodiment of the disclosure adopts human-computer interaction, and the display terminal of the interactive system in the embodiment of the disclosure displays three-dimensional spatial scenes and content.

Therefore, when the user chooses to handle a certain business, for example, the customer needs to understand and handle the exclusive rights and interests business, the customer issues a demand instruction through voice interaction, and the computing platform will calculate the interaction system adjustment based on the customer's location and the customer's demand instruction. Presented content and presentation effect.

For example, customers need to handle exclusive rights and interests services in the exclusive wealth space of Yuan Universe Bank. Therefore, the interactive system uses the entire business space of Yuan Universe Bank as a whole to adjust the number of windows presented, the content presented, and the presentation effects. The presentation content and presentation effect also include the effect of the customer reaching the next level of content presentation in the business scenario.

Yuanshi Bank's exclusive wealth space can be divided into exclusive rights space, simulated transaction space, wealth management space, etc. according to business classification. At the same time, the exclusive wealth space also includes virtual staff and virtual identities. For example, when a customer applies for exclusive rights and interests, the customer needs to participate in a wealth salon activity. At this time, the display terminal needs to adjust the display content and display effect again based on the customer's interactive instructions, and guide the customer to the salon space to learn about the salon activities through virtual staff or text and voice instructions. place and content.

It can be understood that, based on the above example, since the content displayed by the display terminal is three-dimensional content, the computing unit needs to calculate the specific three-dimensional spatial position of the service according to the customer's interactive instructions, and adjust the display effect of the displayed service window and the displayed content. The customer's interaction instructions may be voice interaction instructions, touch interaction instructions, gesture instructions, etc., which are not specifically limited in this disclosure.

It should be noted that, based on the above examples, the sensing device and the information collection device in the interactive system in the present disclosure may be the same set of devices, or they may be two sets of devices respectively. When the sensing device and the information collection device are the same set of equipment, the device can be equipped with a camera, a card reader, and a fingerprint recognition terminal, a vein recognition terminal, a voiceprint recognition terminal and other biometric collection terminals.

Embodiments of the present disclosure can divide the business service device into functional modules or functional units according to the above method examples. For example, each functional module or functional unit can be divided corresponding to each function, or two or more functions can be integrated into one in the processing module. The above-mentioned integrated modules can be implemented in the form of hardware or in the form of software function modules or functional units. Among them, the division of modules or units in the embodiments of the present disclosure is schematic and is only a logical function division. In actual implementation, there may be other division methods.

As shown in Figure 13, it is a schematic structural diagram of a business service device 1300 provided according to some embodiments. The device includes: an acquisition unit 1301, a processing unit 1302 and a sending unit 1303.

Among them, the obtaining unit 1301 is configured to obtain the customer's biometric information.

The processing unit 1302 is configured to perform the processing according to the customer's biometric information and the customer's virtual identity information. information to authenticate the customer’s identity.

The processing unit 1302 is also configured to provide the customer with a target business scenario according to the business needs of the customer when the identity authentication result of the customer is passed.

In some embodiments, the processing unit 1302 is also configured to pre-process the customer's biometric information; the pre-processing includes stamping the time stamp.

In some embodiments, the processing unit 1302 is also configured to compare and verify the preprocessed biometric information with the customer's virtual identity information to determine the first verification result.

In some embodiments, the processing unit 1302 is further configured to generate a confirmation message and send it to the customer's account opening mobile terminal according to the pre-processed biometric information and the business determined by the customer to be handled, and receive a second verification result fed back by the customer's account opening mobile terminal.

In some embodiments, the processing unit 1302 is further configured to determine that the identity authentication result of the customer is passed when both the first verification result and the second verification result are passed.

In some embodiments, the processing unit 1302 is also configured to provide an auxiliary queuing scenario for the customer if the waiting time for the service the customer needs to handle is greater than the first duration threshold.

In some embodiments, the processing unit 1302 is also configured to provide a business guidance scenario for the customer if it is detected that the customer has not performed an operation or performed a first preset operation within the second duration threshold. Among them, the first default operation is to request guidance from the virtual staff.

In some embodiments, the processing unit 1302 is also configured to provide a self-service handling scenario for the customer if it is detected that the customer performs the second preset operation. Among them, the second default operation is to request self-service processing.

In some embodiments, the obtaining unit 1301 is also configured to obtain the customer's physical identity information. Among them, the customer's physical identity information includes the customer's biometric information and the customer's account data information.

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

In some embodiments, the processing unit 1302 is further configured to determine the customer's virtual identity information based on the biometric algorithm model of the customer's virtual identity.

In some embodiments, the processing unit 1302 is also configured to store the customer's virtual identity information to the Metaverse Bank or CRM system server.

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

In some embodiments, the acquisition unit 1301 is also configured to perform special processing on the customer's biometric information, customer name, customer identity ID and customer group attribute information based on the biometric image enhancement algorithm. Feature extraction determines at least one feature vector.

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

In some embodiments, the acquisition unit 1301 is also configured to stamp the account opening time stamp on the customer's biometric information, customer name, customer identity ID, customer group attribute information and the biometric algorithm model of the customer's virtual identity to determine block data.

In some embodiments, the acquisition unit 1301 is also configured to determine the customer's virtual identity based on the block data.

In some embodiments, the sending unit 1303 is configured to send block data to the blockchain node.

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

In some embodiments, the processing unit 1302 is also configured to use the virtual staff to provide welcome services to the customer when it is detected that the customer's behavior is a contact behavior. Among them, welcome service includes providing customers with business consulting needs.

In some embodiments, the processing unit 1302 is further configured to determine the business that the customer needs to handle in response to the customer's third preset operation.

In some embodiments, the business service device 1300 may also include a storage unit (shown as a dotted box in Figure 13), which stores programs or instructions. When the processing unit 1302 executes the program or instruction, the business service device 1300 can execute the business service method described in the above method embodiment.

In addition, the technical effects of the business service device described in Figure 13 can be referred to the technical effects of the business service method described in the above embodiments, and will not be described again here.

Figure 14 shows another possible structural diagram of the business service device involved in the above embodiment. The business service device 1400 includes: a processor 1402 and a communication interface 1403. The processor 1402 is configured to control and manage the actions of the business service device 1400, for example, perform the steps performed by the above-mentioned acquisition unit 1301, processing unit 1302, and sending unit 1303, and/or be configured to perform other technologies described herein. process. The communication interface 1403 is configured to support communication between the business service device 1400 and other network entities. The business service device 1400 may also include a memory 1401 and a bus 1404. The memory 1401 is configured to store program codes and data of the business service device 1400.

Among them, the memory 1401 can be the memory in the business service device 1400, etc. The memory can include volatile memory, such as random access memory; the memory can also include non-volatile memory, such as read-only memory, flash memory, Hard disk or solid state drive; the memory may also include a combination of the above types of memory.

The above-described processor 1402 may implement or execute various exemplary processes described in conjunction with the present disclosure. Ground logic blocks, modules and circuits. The processor may be a central processing unit, a general-purpose processor, a digital signal processor, an application-specific integrated circuit, a field-programmable gate array or other programmable logic devices, transistor logic devices, hardware components, or any combination thereof. It may implement or execute the various illustrative logical blocks, modules and circuits described in connection with this disclosure. The processor may also be a combination that implements computing functions, such as a combination of one or more microprocessors, a combination of a DSP and a microprocessor, etc.

The bus 1404 may be an Extended Industry Standard Architecture (EISA) bus or the like. The bus 1404 can be divided into an address bus, a data bus, a control bus, etc. For ease of presentation, only one thick line is used in Figure 14, but it does not mean that there is only one bus or one type of bus.

The business service device 1400 in Figure 14 can also be a chip. The chip includes one or more (including two) processors 1402 and communication interfaces 1403.

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

In some embodiments, memory 1401 stores elements, execution modules, or data structures, or subsets thereof, or extended sets thereof.

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

Through the above description of the embodiments, those skilled in the art can clearly understand that for the convenience and simplicity of description, only the division of the above functional modules is used as an example. In actual applications, the above functions can be allocated as needed. It is completed by different functional modules, that is, the internal structure of the device is divided into different functional modules to complete all or part of the functions described above. For the specific working processes of the systems, devices and units described above, reference can be made to the corresponding processes in the foregoing method embodiments, which will not be described again here.

Some embodiments of the present disclosure provide a computer-readable storage medium (eg, a non-transitory computer-readable storage medium) having computer program instructions stored therein, and the computer program instructions are stored in a computer (eg, a business When running on the service device), the computer is caused to execute the business service method as described in any of the above embodiments.

Illustratively, the computer-readable storage medium may include, but is not limited to: magnetic storage devices (for example, hard disks, floppy disks or magnetic tapes, etc.), optical disks (for example, CD (Compact Disk, compressed disk), DVD (Digital Versatile Disk, etc.) digital versatile disk), etc.), smart cards and flash memory devices (e.g., EPROM (Erasable Programmable Read-Only Memory, Erasable Programmable Read-Only Memory), card, stick or key drive, etc.). The various computer-readable storage media described in this disclosure may represent one or more devices and/or other machine-readable storage media for storing information. The term "machine-readable storage medium" may include, but is not limited to, wireless channels and various other media capable of storing, containing and/or carrying instructions and/or data.

Some embodiments of the present disclosure also provide a computer program product, for example, the computer program product is stored on a non-transitory computer-readable storage medium. The computer program product includes computer program instructions. When the computer program instructions are executed on a computer (for example, a business service device), the computer program instructions cause the computer to execute the business service method as described in the above embodiment.

Some embodiments of the present disclosure further provide a computer program. When the computer program is executed on a computer (eg, a business service device), the computer program enables the computer to execute the business service method described in the above embodiments.

The beneficial effects of the above computer-readable storage media, computer program products and computer programs are the same as the beneficial effects of the business service methods described in some of the above embodiments, and will not be described again here.

In the several embodiments provided in this disclosure, it should be understood that the disclosed systems, devices and methods can be implemented in other ways. For example, the device embodiments described above are only illustrative. For example, the division of the units is only a logical function division. In actual implementation, there may be other division methods. For example, multiple units or components may be combined or can be integrated into another system, or some features can be ignored, or not implemented. On the other hand, the coupling or direct coupling or communication connection between each other shown or discussed may be through some interfaces, and the indirect coupling or communication connection of the devices or units may be in electrical, mechanical or other forms.

The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place, or they may be distributed to multiple network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

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

The above are only specific embodiments of the present disclosure, but the protection scope of the present disclosure is not limited thereto. Any changes or substitutions that come to mind within the technical scope disclosed by the present disclosure by any person familiar with the technical field should be covered. within the scope of this disclosure. Therefore, the protection scope of the present disclosure should be subject to the protection scope of the claims.

Claims

A business service method that includes:

Obtain customers’ biometric information;

Perform identity authentication on the customer based on the customer's biometric information and the customer's virtual identity information;

When the identity authentication result of the customer is passed, the target business scenario is provided for the customer according to the business requested by the customer.
The method according to claim 1, wherein performing identity authentication on the customer based on the customer's biometric information and the customer's virtual identity information includes:

Preprocess the customer's biometric information; the preprocessing includes stamping the time;

Compare and verify the preprocessed biometric information with the customer's virtual identity information to determine the first verification result;

According to the preprocessed biometric information and the business that the customer determines to need to handle, generate a message to be confirmed and send it to the customer's account opening mobile terminal; receive the second verification result fed back by the customer's account opening mobile terminal;

When both the first verification result and the second verification result are passed, it is determined that the identity authentication result for the customer is passed.
According to the method of claim 2, the target business scenario includes one or more of the following: auxiliary queuing scenario, business guidance scenario, self-service processing scenario; the method further includes:

If the waiting time for the business the customer needs to handle is greater than the first duration threshold, the auxiliary queuing scenario is provided to the customer;

If it is detected that the customer has not performed an operation or performed a first preset operation within the second time length threshold, the business guidance scenario is provided to the customer; wherein the first preset operation is to request a virtual worker. guidance;

If it is detected that the customer performs a second preset operation, the self-service handling scenario is provided to the customer; wherein the second preset operation is to request a self-service handling service.
According to the method of claim 3, the customer's virtual identity information is stored in the Yuanshi Bank server or the customer relationship management system server;

Before performing identity authentication on the customer based on the customer's physical identity information and the customer's virtual identity information, the method further includes:

Obtain the customer's physical identity information; wherein the customer's physical identity information includes the customer's biometric information and the customer's account data information;

Determine a biometric algorithm model of the customer's virtual identity based on the customer's physical identity information;

Determine the customer's virtual identity information based on the biometric algorithm model of the customer's virtual identity;

Store the customer's virtual identity information in the Metaverse Bank or customer relationship management system server.
According to the method of claim 4, the biometric information of the customer includes one or more of the following: fingerprint feature information, voiceprint feature information, iris feature information, face feature information, palm vein feature information, finger vein feature information;

Before determining the physical identity information of the customer, the method further includes:

Obtain the customer's account data information; wherein the customer's account data information includes one or more of the following: customer name, customer ID, account opening timestamp, account password, customer group attribute information.
According to the method of claim 5, the biometric algorithm model of the customer's virtual identity is determined according to the following steps:

Based on the biometric image enhancement algorithm, feature extraction is performed on the customer's biometric information, customer name, customer ID, and customer group attribute information to determine at least one feature vector;

Determine a biometric algorithm model of the customer's virtual identity based on the at least one feature vector;

Add the account opening timestamp to the customer's biometric information, customer name, customer identity ID, customer group attribute information and the biometric algorithm model of the customer's virtual identity to determine the block data;

Based on the block data, the virtual identity of the customer is determined.
The method of claim 6, further comprising:

Send the block data to the blockchain node.
The method according to any one of claims 1-7, before obtaining the biometric information of the customer, the method further includes:

Detect customer behavior;

When it is detected that the customer's behavior is a contact behavior, the virtual staff will provide welcome services to the customers; the welcome services include proactive welcome reception, providing business guidance and consulting services to customers;

In response to the customer's third preset operation, the business that the customer needs to handle is determined.
A business service device includes: an acquisition unit and a processing unit;

The acquisition unit is configured to acquire the customer's biometric information;

The processing unit is configured to use the customer's biometric information and the customer's virtual Provide identity information to authenticate the customer;

The processing unit is further configured to provide a target business scenario for the customer based on the business required by the customer when the identity authentication result for the customer is passed.
A business service device, including a processor and a communication interface; the communication interface is coupled to the processor, and the processor is used to run computer programs or instructions to implement the business as described in any one of claims 1-8 Service method.
A business service system includes a processor and a memory. The memory stores computer program instructions. When the processor runs the computer program instructions, it executes the business service method described in any one of claims 1-8.
A non-transitory computer-readable storage medium, wherein instructions are stored in the non-transitory computer-readable storage medium. When the computer executes the instructions, the computer executes any one of the above claims 1-8. The business service method described above.