VTM-based transfer method, device, server and storage medium

Abstract

Disclosed is a VTM-based transfer method. The VTM-based transfer method is applied to a server which is communicationally connected to a VTM terminal and a remote agent end. The method comprises the following steps: receiving a transfer request triggered by a VTM terminal, obtaining transfer information of the transfer request, and determining, according to the transfer information, whether to trigger an instant manual transfer instruction; if an instant manual transfer instruction is triggered, obtaining information of a user account corresponding to the transfer request, and connecting the user account to the remote agent end; receiving a transfer verification rule determined by the remote agent end according to the transfer information to perform identity verification on a user according to the transfer verification rule; and when it is detected that the identity verification succeeds, providing a user account verification grant and executing instant transfer. Also disclosed are a VTM-based transfer device, a server, and a storage medium. The present application performs transfer verification using different verification rules, so that the risk of VTM-based transfer is reduced.

Description

technical field [0001] The invention relates to the technical field of self-service equipment in the financial industry, in particular to a VTM-based transfer method, device, server and storage medium. Background technique [0002] At present, most of the bank's business needs to be handled by the salesman at the counter, which leads to the long queue time of customers, which eventually leads to the loss of customers or the decline of customer experience. At the same time, too many businesses require more staff, which will consume workers. Increased costs. [0003] Therefore, in the existing financial industry, VTM (Virtual Teller Machine, VTM terminal is also called virtual teller machine) has partially replaced the work of salesmen. VTM service is an emerging banking service that integrates electronic banking services and manual counter services. It combines audio-visual , self-service and personal service (the salesman guides the customer to complete the business through...

AI Technical Summary

Problems solved by technology

[0002] At present, most of the bank's business needs to be handled by the salesman at the counter, which leads to the long queue time of customers, which eventually leads to the loss of customers or the decline of customer experience. At the same time, too many businesses require more staff, which will consume workers. Increased costs

[0003] Therefore, in the existing financial industry, VTM (Virtual Teller Machine, VTM terminal is also called virtual teller machine) has partially replaced the work of salesmen. VTM service is an emerging banking service that integrates electronic banking services and manual counter services. It combines audio-visual , self-service and personal service (the salesman guides the customer to complete the business through the video), for example, the salesman communicates with the customer in the video and guides the customer's operation. While this technology is convenient for the user, there will be information insecurity during the user's operation Hidden danger

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