A virtual bank branch management method and related device

Abstract

The present application provides a virtual bank branch management method and related devices, which can be used in the field of artificial intelligence. The method includes: collecting physical bank branch data, integrating and processing the collected data to obtain isomorphic physical bank branch data, and then establishing a digital twin model of the physical bank branch based on the isomorphic physical bank branch data to obtain the virtual bank branch corresponding to the physical bank branch. In addition, users can interact with the virtual bank branch by visiting the virtual bank branch, and analyze the optimal branch layout and product service customer experience design based on the user access data. The business handling scenario of the virtual bank branch is basically the same as that of the physical bank branch, and can support users of different ages to access and handle target business at any time, improve the efficiency of users handling business, and can also improve the success rate of interaction between users and banks, making users more intelligent and convenient when handling business.

Description

Technical Field

[0001] The present application relates to the field of digital twin technology of artificial intelligence, and in particular to a virtual bank branch management method and related devices. Background Art

[0002] With the advancement of communication and Internet technologies, customers can obtain various financial services and handle banking-related business through mobile banking.

[0003] Mobile banking includes various financial business functions. For example, mobile banking not only includes basic functions such as inquiry, transfer, remittance, payment, temporary report of loss, etc., but also includes other functions such as fund management, commercial payment, online shopping, etc. These financial business functions can be displayed through the mobile phone interface, and users can handle the corresponding business according to the financial business functions displayed on the mobile phone interface.

[0004] However, since mobile banking has many business functions, it requires multiple mobile interfaces to fully display these functions. When users handle target business, they may need to carefully search through these multiple mobile interfaces to find the display position of the target business in the mobile interface, which affects the efficiency of users in handling target business. In addition, some middle-aged and elderly people may give up using mobile banking to handle target business because they do not understand the specific process of handling business on mobile banking, resulting in a lower success rate of interaction between users and banks. Summary of the invention

[0005] The present application provides a virtual bank branch management method and related devices, which are used to solve the problems of low business handling efficiency and low interaction success rate when handling business through mobile banking in the prior art.

[0006] In a first aspect, the present application provides a virtual bank branch management method, comprising: acquiring physical bank branch data, the physical bank branch data including element attribute information of each component unit of multiple components of the physical bank branch, the multiple components including one or more of the following components: personnel, business processes, equipment, and site environment, the element attribute information including static information and dynamic information, the static information including identity information, attribute information, and geometric information, and the dynamic information including status information, location information, and process information; integrating and processing multi-source heterogeneous data in the physical bank branch data to obtain isomorphic physical bank branch data; storing the isomorphic physical bank branch data, the isomorphic physical bank branch data being used to construct a digital twin model of the physical bank branch to obtain a virtual bank branch corresponding to the physical bank branch.

[0007] In this application, by acquiring physical bank branch data and integrating and storing the physical bank branch data, isomorphic physical bank branch data can be obtained, and then model training is performed on the physical bank branch data to construct a digital twin model of the physical bank branch, thereby providing a data basis for the construction of the digital twin model.

[0008] In a possible implementation method, the physical bank branch data is collected by a sensor device, and the data transmission between the sensor device and the physical bank branch equipment is realized through a multi-protocol gateway. The multi-protocol gateway can support the conversion of sensor devices of different types and protocols into a unified communication method, and uniformly connect them to the corresponding physical bank branch equipment to realize the connection between sensor devices of different types and protocols and physical bank branch equipment. In addition, the multi-protocol gateway can also provide a port for connecting to the data base layer, so that some physical bank branch equipment that was originally unable to connect to the Internet or physical bank branch equipment that does not implement the transmission control protocol (TCP) and the Internet protocol (IP) can be connected to the network or system.

[0009] In this method, the multi-source heterogeneous data in the physical bank branch data are integrated and processed, including: using a metadata mapping mechanism to map the multi-source heterogeneous data to a preset logical space to obtain the homogeneous physical bank branch data.

[0010] The multi-source heterogeneous data in the physical bank branch data are integrated and processed, so that these interrelated multi-source heterogeneous data are integrated together, ensuring that users can access these data in a transparent manner. This not only maintains the overall data consistency of the physical bank branch data, but also improves the efficiency of sharing and utilizing the physical bank branch data.

[0011] In the method, storing the physical bank branch data collected by the sensor device and the isomorphic physical bank branch data includes: storing the isomorphic physical bank branch data in a distributed database.

[0012] Distributed databases can support efficient storage of massive amounts of data, and can also provide data service functions such as fast retrieval, concurrent services, batch processing, etc. for virtual bank branch systems, as well as provide an application programming interface (API) to ensure data sharing.

[0013] In this method, the physical bank branch data collected by the sensor device and the isomorphic physical bank branch data are stored, including: storing the isomorphic physical bank branch data according to the classification of the physical bank branch data, wherein the classification includes: one or more classifications of structured data, unstructured data, semi-structured data and spatiotemporal data.

[0014] By storing homogeneous physical bank branch data according to their classification, the element attribute information of each component unit in multiple components can be classified and stored. When a digital twin model of each component unit is subsequently established based on the element attribute information of each component unit in multiple components, the efficiency and accuracy of constructing the digital twin model can be improved.

[0015] In a second aspect, the present application provides a virtual bank branch management method, including: obtaining isomorphic physical branch data of physical bank branches, the isomorphic physical branch data is data obtained by integrating and processing multi-source heterogeneous data in the physical branch data, the physical branch data includes element attribute information of each component unit in multiple components of the physical branch, the multiple components include one or more of the following components: personnel, business processes, equipment, site environment, the element attribute information includes static information and dynamic information, the static information includes identity information, attribute information and geometric information, and the dynamic information includes status information, location information and process information; constructing a digital twin model of the physical bank branch according to the isomorphic physical bank branch data to obtain a virtual bank branch corresponding to the physical bank branch.

[0016] By training the model on the data of physical bank branches, a digital twin model of the physical bank branches is constructed, thereby obtaining a virtual bank branch. The virtual bank branch can accept customer visits, support the interaction between physical bank branches and virtual branches, and support the completion of customer business process transactions.

[0017] In this method, a digital twin model of the physical bank branch is constructed according to the isomorphic physical bank branch data, including: constructing multiple sub-models corresponding to the multiple component units of the physical bank branch and the model relationship between the multiple sub-models, wherein the sub-model corresponding to the personnel is a personnel digital twin model, the sub-model corresponding to the business process is a business process digital twin model, the sub-model corresponding to the equipment is an equipment digital twin model, and the sub-model corresponding to the site environment is a site environment digital twin model.

[0018] Each of the multiple components of a physical bank branch has its own corresponding digital twin model, which can ensure that the virtual bank branch also includes these multiple components, and these multiple components in the virtual bank branch are obtained by modeling each of the multiple components of the physical bank branch, so that each component in the virtual bank branch corresponds to each component of the physical bank branch, thereby mapping the entire life cycle process of each component of the physical bank branch one by one.

[0019] In the present method, a sub-model of any one of the multiple components is constructed, including: obtaining a static model of the any one of the components, and generating a dynamic simulation model of the any one of the components based on data related to the any one of the components in the physical bank branch data, wherein the static model is a model obtained by performing three-dimensional geometric modeling on the physical object of the any one of the components.

[0020] The element attribute information of each component unit in the multiple components of the physical bank branch includes static information and dynamic information, wherein the static information includes identity information, attribute information and geometric information, and the dynamic information includes state information, location information and process information. By establishing a static model and a dynamic simulation model, any component unit in the multiple components of the virtual bank branch can contain element attribute information consistent with the physical bank branch.

[0021] In this method, a model relationship between the multiple sub-models is constructed, including: based on a multi-scale model fusion modeling method and an anchor-based virtual-real entity calibration method, the multiple sub-models are integrated in different scale dimensions of a fixed space to obtain a digital twin model of the physical bank branch.

[0022] By integrating multiple sub-models at different scales in a fixed space, a complete virtual bank branch system can be obtained, which enables the virtual bank branch system to characterize and describe physical bank branches from multiple scales, thereby reflecting the entire life cycle process of the corresponding physical bank branches.

[0023] In a third aspect, the present application provides a virtual bank branch management method, comprising: when a user visits a virtual bank branch, capturing the user's actions based on motion recognition interaction technology, and the virtual bank branch is a virtual bank branch obtained using the method of the second aspect; calculating and processing the positions of key parts of the actions to analyze and obtain the user's action behavior; converting the action behavior into an input trigger instruction and performing corresponding operations based on the input trigger instruction to obtain user access data; analyzing the optimal branch layout and product service customer experience design based on the user access data; designing a customer service process and optimizing the customer service process.

[0024] Virtual bank branches can provide a product design platform for the entire life cycle of physical bank branches, allowing banks to monitor the production and operation of physical bank branches in real time and provide customers with a panoramic banking experience service that combines online and offline, virtual and real.

[0025] In combination with the method described in the third aspect, the method further includes: collecting production operation data of the equipment; and detecting or predicting operation failures of the equipment based on the production operation data of the equipment.

[0026] Virtual bank branches can also support user experience and obtain the optimal branch layout and customer service design based on customer experience data, thereby optimizing customer service processes.

[0027] In a fourth aspect, the present application provides a virtual bank branch management device, including: a data intelligent perception module, used to collect physical bank branch data, the physical bank branch data including element attribute information of each component unit of multiple components of the physical bank branch, the multiple components including one or more of the following components: personnel, business processes, equipment, site environment, the element attribute information including static information and dynamic information, the static information including identity information, attribute information and geometric information, the dynamic information including status information, location information and process information; a data integration module, used to integrate and process multi-source heterogeneous data in the physical bank branch data to obtain isomorphic physical bank branch data; a data storage module, used to store the isomorphic physical bank branch data, the isomorphic physical bank branch data is used to construct a digital twin model of the physical bank branch to obtain a virtual bank branch corresponding to the physical bank branch.

[0028] Optionally, the device may further include a data transmission module for performing data transmission through a multi-protocol gateway.

[0029] In a fifth aspect, the present application provides a virtual bank branch management device, including: an acquisition module for acquiring isomorphic physical branch data of a physical bank branch; a digital twin model construction module for constructing a digital twin model of the physical bank branch based on the isomorphic physical bank branch data to obtain a virtual bank branch corresponding to the physical bank branch.

[0030] In a sixth aspect, the present application provides a virtual bank branch management device, including: an enhanced interaction module, which is used to capture user actions based on motion recognition interaction technology, and is also used to calculate and process the positions of key parts of the actions to analyze the user's action behavior, and is also used to convert the action behavior into an input trigger instruction and perform corresponding operations based on the input trigger instruction to obtain user access data; a customer experience module, which is used to analyze the optimal branch layout and product service customer experience design based on user access data; a product design and process optimization module, which is used to design customer service processes and optimize customer service processes.

[0031] In a seventh aspect, the present application provides a virtual bank branch management device, which may include various modules for implementing the methods in the first aspect, the second aspect, and the third aspect. For example, the device may include a memory and a processor coupled to the memory.

[0032] The processor is used to execute program instructions to implement the instructions executed by the methods in the first aspect, the second aspect and the third aspect; the memory is used to store the instructions executed by the processor or the input data required for the processor to run the instructions or the data generated after the processor runs the instructions.

[0033] In an eighth aspect, the present application provides a computer-readable storage medium storing a program code for execution by a processor, wherein the program code includes instructions executed to implement the methods in the first aspect, the second aspect, and the third aspect.

[0034] In a ninth aspect, the present application provides a computer program product, which, when executed on a processor, enables the virtual bank branch device to implement the methods in the first, second and third aspects. BRIEF DESCRIPTION OF THE DRAWINGS

[0035] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0036] Figure 1 A virtual bank branch management system architecture diagram provided in an embodiment of the present application;

[0037] Figure 2 A flowchart of a virtual bank branch management method provided by one embodiment of the present application;

[0038] Figure 3 A schematic diagram of a physical bank branch component unit provided for one embodiment of the present application;

[0039] Figure 4A schematic diagram of data transmission between a sensor device and a device through a multi-protocol gateway provided by an embodiment of the present application;

[0040] Figure 5 A flowchart of a virtual bank branch management method provided by another embodiment of the present application;

[0041] Figure 6 A flowchart of a virtual bank branch management method provided by another embodiment of the present application;

[0042] Figure 7 A schematic diagram of a virtual bank branch management device provided in one embodiment of the present application;

[0043] Figure 8 A schematic diagram of a virtual bank branch management device provided in another embodiment of the present application;

[0044] Fig. 9 A schematic diagram of a virtual bank branch management device provided in yet another embodiment of the present application;

[0045] Fig.10 A schematic diagram of a virtual bank branch management device provided for yet another embodiment of the present application.

[0046] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0047] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0048] Figure 1 This is a diagram of a virtual bank branch management system architecture provided by the embodiment of the present application. Figure 1 As shown, the virtual bank branch management system includes a data platform device, a construction device and a service group device. The data platform device and the construction device can communicate with each other, and the construction device and the service group device can communicate with each other.

[0049] Among them, the data platform equipment is used to obtain physical bank branch data, which includes element attribute information of each component unit of the multiple components of the physical bank branch, and the multiple components include one or more of the following components: personnel, business processes, equipment, and site environment. The element attribute information includes static information and dynamic information, wherein the static information includes identity information, attribute information, and geometric information, and the dynamic information includes status information, location information, and process information.

[0050] The data platform device can obtain the physical bank branch data collected in real time by the control sensor device, which can be deployed in the physical bank branch and connected to the equipment in the physical bank branch. The sensor device can include intelligent sensing devices, cameras, radio frequency identification readers (RFID), sensors (including image sensors, sound sensors, biometric sensors) and various front-end acquisition devices.

[0051] Optionally, the data platform device can also transmit data between the sensor device and the physical bank branch device through a multi-protocol gateway. The multi-protocol gateway can support the conversion of sensor devices of different types and protocols into a unified communication method, and connect them to the corresponding physical bank branch devices in a unified manner, so as to realize the connection between sensor devices of different types and protocols and physical bank branch devices. The multi-protocol gateway can also provide a port for connecting to the back-end data platform, so that some physical bank branch devices that were originally unable to connect to the Internet or physical bank branch devices that do not implement the TCP / IP protocol stack can be connected to the network or system.

[0052] It can be understood that the data platform device can also encrypt the data transmission process when transmitting data between the data platform device and the sensor device and equipment through the multi-protocol gateway.

[0053] It can be understood that the present embodiment can use the fifth generation mobile communication network technology (5G) to achieve high-speed, reliable and real-time data transmission by leveraging the characteristics of low latency, large bandwidth, ubiquitous network and low power consumption of the 5G network.

[0054] The data platform device can also be used to integrate and process multi-source heterogeneous data in physical bank branch data to obtain homogeneous physical bank branch data.

[0055] Multi-source heterogeneous data includes two characteristics: one is that the data sources are multi-source; the other is that the types and forms of data are complex, that is, heterogeneous. It can be understood that the multi-source nature of physical bank branch data means that the physical bank branch data comes from multiple data sources, including data collected by multiple devices in the physical bank branch during work. Different data sources have different operating systems and management systems, different data storage modes and logical structures, and different data generation times, usage locations, and code protocols. In addition, the heterogeneity of physical bank branch data means that physical bank branch data includes multiple types of structured data, semi-structured data, and unstructured data. Structured data refers to relational model data, that is, data managed in the form of relational database tables, such as business processing flow data; semi-structured data refers to data that is not a relational model but has a basic fixed structure pattern, such as log files, emails, etc.; unstructured data refers to data without a fixed pattern, such as images and sounds at the scene.

[0056] Before the data platform device integrates and processes the multi-source heterogeneous data in the physical bank branch data, it is also necessary to connect the multi-source heterogeneous data. For example, the data platform device can connect the data through at least one of Java database connectivity (JDBC), open database connectivity (ODBC), data warehouse technology (extract transform load, ETL), and JavaScript object notation (Json).

[0057] The data platform device can also be used to store physical bank branch data collected by sensor devices and isomorphic physical bank branch data.

[0058] When storing the physical bank branch data collected by the sensor device and the isomorphic physical bank branch data, the isomorphic physical bank branch data can be stored in the distributed database. The isomorphic physical bank branch data is stored according to the classification of the physical bank branch data, wherein the classification includes: one or more classifications of structured data, unstructured data, semi-structured data and spatiotemporal data.

[0059] It is understandable that the distributed database may include any one of a non-relational database (not only SQL, NoSQL), a distributed cloud database (Cloudant), a distributed file storage database (MongoDB), a remote dictionary service database (remote dictionary server, Redis) and a Hadoop database (hadoop database, HBASE).

[0060] Taking HBASE as an example, the distributed database can store the data of homogeneous physical bank branches by using storage technologies such as Hadoop distributed file system (HDFS), data warehouse tool (HIVE), Hadoop database (HBASE) and so on to achieve efficient storage of massive data. In addition, the distributed database also supports fast retrieval, concurrent service, batch processing and other data service functions for the virtual bank branch system, and provides application programming interface to ensure data sharing.

[0061] Build equipment to build a digital twin model of a physical bank branch, thereby obtaining a virtual bank branch. Users can use the virtual bank branch to interact with the physical bank branch to complete user business process transactions.

[0062] Service group devices can support users to interact with digital twin models. When the enhanced interaction module is used for users to interact with digital twin models, artificial intelligence technology and enhanced interaction technology can be used to support real-time interaction between virtual branches and physical bank branches, so that business process transactions can be completed at virtual branches.

[0063] The service group device can also support users to experience the virtual bank branch, and obtain the optimal branch layout and customer service design based on user experience data, as well as design and optimize customer service processes.

[0064] Service group equipment can also collect production and operation data of various types of equipment, monitor the production and operation data of various types of equipment, and detect or predict production and operation failures.

[0065] Figure 2 A flow chart of a virtual bank branch management method provided by an embodiment of the present application, the method comprises: step 201, step 202, step 203 and step 204. The method can be Figure 1 The system architecture shown is implemented using the data platform device.

[0066] Step 201, obtaining physical bank branch data.

[0067] In this embodiment, the physical bank branch data includes element attribute information of each component unit of the multiple components of the physical bank branch, and the multiple components include one or more of the following components: personnel, business processes, equipment, and site environment. In addition, the element attribute information includes static information and dynamic information, the static information includes identity information, attribute information, and geometric information, and the dynamic information includes state information, location information, and process information.

[0068] Figure 3 A schematic diagram of a physical bank branch component unit provided for one embodiment of the present application is shown in FIG. Figure 3 As shown, the physical bank branch may include multiple functional areas: a storefront, an internal area guide area, an intelligent self-service area, a waiting area, a closed counter, an open counter and a VIP financial management center, and each of these multiple functional areas includes its own corresponding component units.

[0069] In this implementation, the physical bank branch data can be collected through a sensor device. When the sensor device collects the physical bank branch data, data transmission needs to be performed between the sensor device and the equipment through a multi-protocol gateway. Figure 4 A schematic diagram of data transmission between a sensor device and a device through a multi-protocol gateway provided in one embodiment of the present application, such as Figure 4 As shown, it is assumed that the physical bank branch includes M devices, which are respectively recorded as device 1 to device M. Each of the M devices has its own corresponding sensor device, wherein device 1 corresponds to sensor device 1, and so on, device M corresponds to sensor device M. Sensor device 1 is used to collect data in device 1, sensor device 2 is used to collect data in device 2, sensor device 3 is used to collect data in device 3, ..., sensor device M is used to collect data in device M. When the M sensor devices collect data from the devices corresponding to them, the M sensor devices are first connected uniformly through the multi-protocol gateway, and then the M sensor devices are connected to the communication interfaces of the devices corresponding to them through the multi-protocol gateway. At the same time, the multi-protocol gateway can also provide a connection data port, so that some physical bank branch devices that were originally unable to connect to the Internet or physical bank branch devices that do not implement the transmission control protocol and network protocol can be connected to the network or system.

[0070] Step 202, integrating and processing the multi-source heterogeneous data in the physical bank branch data to obtain homogeneous physical bank branch data.

[0071] In this embodiment, a method for implementing integrated processing of multi-source heterogeneous data in physical bank branch data includes: using a metadata mapping mechanism to map the multi-source heterogeneous data to a preset logical space to obtain the homogeneous physical bank branch data.

[0072] Step 203: store the isomorphic physical bank branch data, where the isomorphic physical bank branch data is used to construct a digital twin model of the physical bank branch to obtain a virtual bank branch corresponding to the physical bank branch.

[0073] In this embodiment, when storing the physical bank branch data and the isomorphic physical bank branch data, the isomorphic physical bank branch data can be stored according to the classification of the physical bank branch data, where the classification includes one or more classifications of structured data, unstructured data, semi-structured data and spatiotemporal data.

[0074] It is understandable that the homogeneous physical bank branch data can be stored in a distributed database, which can include any one of a non-relational database (not only SQL, NoSQL), a distributed cloud database (Cloudant), a distributed file storage database (MongoDB), a remote dictionary service database (remote dictionary server, Redis) and a Hadoop database (hadoop database, HBASE).

[0075] Figure 5 A flowchart of a virtual bank branch management method provided by another embodiment of the present application is shown in FIG. Figure 5 As shown, the method includes: step 501, step 502, step 503 and step 504. The method can be Figure 1 The system architecture shown is constructed to execute the device.

[0076] Step 501, obtaining homogeneous physical branch data of physical bank branches, wherein the homogeneous physical branch data is data obtained by integrating and processing multi-source heterogeneous data in the physical branch data, and the physical branch data includes element attribute information of each component unit in multiple component units of the physical branch, wherein the multiple component units include one or more of the following component units: personnel, business process, equipment, and site environment.

[0077] Each of these multiple components has a corresponding sub-model. For example, the sub-model corresponding to personnel is the personnel digital twin model, the sub-model corresponding to business processes is the business process digital twin model, and so on.

[0078] In this embodiment, each of the multiple component units includes element attribute information, and the element attribute information includes dynamic information and static information. Since the static model of the component unit can be constructed based on the static information of the component unit, the dynamic model of the component unit can be constructed based on the dynamic information of the component unit and data related to the dynamic information.

[0079] Step 502, obtaining a static model of multiple component units in the physical bank branch data.

[0080] In this embodiment, a method for obtaining static models of multiple component units in a physical bank branch includes: performing three-dimensional geometric modeling on the entity object of any one of the multiple component units to obtain a static model of the component unit, and then performing the same operation on each of the multiple component units to obtain a static model of each of the multiple component units.

[0081] When performing three-dimensional geometric modeling on a physical object of any component unit, the three-dimensional model can be constructed based on the design drawings of the physical object of any component unit or the two-dimensional information of multi-angle photographs, or the physical object of any component unit can be first three-dimensionally scanned and then the three-dimensional geometric model can be generated by a computer. Optionally, the three-dimensional geometric model can be established using modeling and simulation tools such as CAD and FlexSim.

[0082] Step 503: Generate dynamic simulation models of multiple component units based on data related to the multiple component units in the physical bank branch data.

[0083] An implementation method for generating dynamic models of multiple component units includes: generating a dynamic simulation model of the component unit based on data related to any one of the component units in the physical bank branch data, and then performing the same operation on each of the multiple component units to obtain a dynamic simulation model of each of the multiple component units.

[0084] For any component unit, the data related to the component unit refers to the dynamic information of the component unit and the data related to the dynamic information. The dynamic information includes the status information, location information and process information of the component unit. For example, when the component unit includes a person, it is assumed that the behavior of the person at different times is different. At this time, the behavior of the person at different times is the dynamic information of the person. At this time, the behavior of the person can be modeled bionically through the existing behavior model. For another example, when the component unit includes the business process of the equipment, the business process processing process of the equipment is the dynamic information of the business process of the equipment. At this time, it is necessary to first use the business process model to locate the business process processing page corresponding to the business process model according to the anchor point and embed it into the equipment model, so that the business processing process can be associated with the equipment.

[0085] It is understandable that, due to the differences in the constituent units, the method of establishing the model of each of the multiple constituent units may be different.

[0086] As an example, when the component unit includes a person, the behavior activities of the person at different times are the dynamic information of the person. At this time, the behavior activities of the person can be bionic modeled through the existing behavior model.

[0087] As another example, when the component unit includes the business process of a device, the business process processing process of the device is the dynamic information of the business process of the device. At this time, it is necessary to first use the business process model to locate the business process processing page corresponding to the business process model according to the anchor point and embed it into the device model, so that the business processing process can be associated with the device.

[0088] Step 504, based on the multi-scale model fusion modeling method and the anchor-based virtual-real entity calibration method, the static models and dynamic simulation models of multiple component units are integrated in different scale dimensions of a fixed space to obtain a digital twin model of the physical bank branch.

[0089] In this embodiment, the digital twin model of the physical bank branch is the virtual bank branch corresponding to the physical bank branch. The business handling scenarios of the virtual bank branch are basically the same as those of the physical bank branch, and can support users of different age groups to access and handle target business at any time.

[0090] Figure 6 A flow chart of a virtual bank branch management method provided by an embodiment of the present application. Figure 6 As shown, the method includes step 601, step 602, step 603, step 604 and step 605. The method can be Figure 1 The system architecture shown is implemented by the service group device.

[0091] Step 601: When a user visits a virtual bank branch, the user's actions are acquired based on the action recognition interaction technology.

[0092] In this embodiment, the virtual bank branch is the virtual bank branch obtained in step 504 .

[0093] In this embodiment, the motion recognition interaction technology includes touch technology, gesture recognition technology, voice recognition technology, eye tracking technology, etc.

[0094] It is understandable that when users visit virtual bank branches, they can access them through a 3D browser or through the digital space projected by the entire smart terminal.

[0095] When a user accesses the virtual bank branch system through a 3D browser, the user can access the virtual bank branch system by touching the device screen with a finger or pen tip, and the user's operation can be obtained through touch technology. In addition, the user can also access the virtual bank branch system by clicking the browser with a mouse, and the user's operation can be obtained by sensing the mouse.

[0096] When users access the digital space through the holographic projection of smart terminals, their movements can be acquired through gesture recognition technology, voice recognition technology and eye tracking technology.

[0097] As an example, gesture recognition technology and voice recognition technology are first used to track the user's behavior and obtain the user's spatial position. Then, eye tracking technology is used to track the user's line of sight and predict the user's status and needs.

[0098] Step 602, calculating and processing the positions of the key parts of the user's actions to analyze and obtain the user's action behavior.

[0099] Step 603: convert the action behavior into an input trigger instruction, and perform corresponding operations based on the input trigger instruction to obtain user access data.

[0100] A method for converting the action behavior into an input trigger instruction includes: matching a corresponding instruction template according to the user's action behavior, and then obtaining the user's input trigger instruction.

[0101] An implementation method for performing corresponding operations based on input trigger instructions includes: first, using the dynamic link library function of the data acquisition card used in the software development platform to collect the input trigger instructions of the virtual network point, and then storing the collected input trigger instructions in the database, and finally connecting the modeling and simulation tool with the database to obtain the user's input trigger instructions in real time, thereby realizing the interaction between the user and the digital twin model, and then obtaining the user data.

[0102] Step 604, analyzing the optimal network layout and product service customer experience design based on user access data.

[0103] In this embodiment, the user access data includes multiple user access data, that is, multiple user access data of at least one user are analyzed to obtain the optimal network layout and product service customer experience design.

[0104] Step 605, designing the customer service process and optimizing the customer service process.

[0105] In this embodiment, the method for designing and optimizing the customer service process includes: obtaining the customer service process according to the optimal network layout and product service customer experience design, and optimizing the customer service process based on the data obtained from the customer service process.

[0106] It should be noted that the service group device can also monitor the production and operation data of the physical bank branch equipment, and detect or predict the operation failure of the physical bank branch equipment based on the production and operation data of the physical bank branch equipment.

[0107] In the technical solution proposed in this application, the physical bank branch data is first obtained, and a digital twin model of the physical bank branch is constructed based on the physical bank branch data to obtain a virtual bank branch. This method can ensure that the virtual bank branch has business handling functions, and can also ensure that the virtual bank branch has functions such as production and operation monitoring, customer experience, product design and decision optimization, and realizes equipment digitization, business processing automation, intelligence, customer experience panoramic reality and product design simulation. The virtual bank branch is consistent with the physical bank branch, and both provide full life cycle management from customer experience, product design to production and operation, which can improve the success rate of customer and bank interaction and the efficiency of users handling target business, improve customer experience, and in addition, it can also improve the operating efficiency of bank branches and reduce operating costs and production and operation costs.

[0108] Figure 7 A schematic diagram of a virtual bank branch management device provided by an embodiment of the present application is shown in FIG. Figure 7 As shown, the virtual bank branch management device 700 includes: a data intelligent perception module 701, a data integration module 702 and a data storage module 703.

[0109] As an example, the virtual bank branch management device 700 can be used to implement Figure 2 The flow chart of the virtual bank branch management method of the embodiment shown is as follows: wherein the data intelligent perception module 701 is used to execute the steps in S201; the data integration module 702 is used to execute the steps in S202; and the data storage module 703 is used to execute the steps in S203.

[0110] Optionally, the virtual bank branch management device 700 may further include a data transmission module 704, and the data transmission module 704 may be used to transmit physical bank branch data.

[0111] Figure 8 A schematic diagram of a virtual bank branch management device provided in another embodiment of the present application is shown in FIG. Fig. 9 As shown, the virtual bank branch management device 800 includes: an acquisition module 801 and a digital twin model construction module 802.

[0112] As an example, the virtual bank branch management device 800 can be used to implement Figure 5 The flowchart of the virtual bank branch management method of the illustrated embodiment. The acquisition module 801 can be used to execute the steps in S501, and the digital twin model construction module 802 can be used to execute the steps in S502, S503 and S504.

[0113] Fig. 9 A schematic diagram of a virtual bank branch management device provided in yet another embodiment of the present application is shown in FIG. Fig. 9 As shown, the virtual bank branch management device 900 includes: an enhanced interaction module 901, a customer experience module 902 and a product design and process optimization module 903.

[0114] As an example, the virtual bank branch management device 900 can be used to implement Figure 6 The flowchart of the virtual bank branch management method of the embodiment shown is as follows: wherein the enhanced interaction module 901 can be used to execute steps S601, S602 and S603; the customer experience module 902 can be used to execute step S604; and the process optimization module 903 can be used to execute step S605.

[0115] Fig.10 A schematic diagram of a virtual bank branch management device provided in an embodiment of the present application is shown in FIG. Fig.10 As shown, the virtual bank branch device 1000 includes: a processor 1001, an interface circuit 1002 and a memory 1003. The processor 1001 and the interface circuit 1002 are coupled to each other. It can be understood that the interface circuit 1002 can be a transceiver or an input-output interface. The memory 1003 is used to store instructions executed by the processor 1001 or to store input data required by the processor 1001 to run instructions or to store data generated after the processor 1001 runs instructions.

[0116] As an example, the interface circuit 1002 can be used to implement the functions of the above-mentioned data intelligent perception module 701 and the data transmission module 704, and the processor 1001 can be used to implement the functions of the above-mentioned data integration module 702 and the data storage module 703.

[0117] As another example, the processor 1001 can be used to implement the functionality of the above-mentioned digital twin model building module 801.

[0118] As yet another example, the processor 1001 may be used to implement the functions of the enhanced interaction module 901 , the customer experience module 902 , and the product design and process optimization module 903 .

[0119] It is understood that the processor in the embodiments of the present application may be a central processing unit, or other general-purpose processors, digital signal processors, application-specific integrated circuits, field programmable gate arrays or other programmable logic devices, transistor logic devices, hardware components or any combination thereof. The general-purpose processor may be a microprocessor or any conventional processor.

[0120] The method steps in the embodiments of the present application can be implemented by hardware, or by a processor executing software instructions. The software instructions can be composed of corresponding software modules, and the software modules can be stored in random access memory, flash memory, read-only memory, programmable read-only memory, erasable programmable read-only memory, electrically erasable programmable read-only memory, register, hard disk, mobile hard disk, read-only compact disk (CD-ROM) or any other form of storage medium known in the art. An exemplary storage medium is coupled to the processor so that the processor can read information from the storage medium and can write information to the storage medium. Of course, the storage medium can also be a component of the processor. The processor and the storage medium can be located in an application specific integrated circuit (Application Specific Integrated Circuit, ASIC). In addition, the application specific integrated circuit can be located in a network device or a terminal device. Of course, the processor and the storage medium can also be present in a network device or a terminal device as discrete components.

[0121] In the above embodiments, it can be implemented in whole or in part by software, hardware, firmware or any combination thereof. When implemented by software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer programs or instructions. When the computer program or instruction is loaded and executed on a computer, the process or function described in the embodiment of the present application is executed in whole or in part. The computer may be a general-purpose computer, a special-purpose computer, a computer network, a network device, a user device or other programmable device. The computer program or instruction may be stored in a computer-readable storage medium, or transmitted from one computer-readable storage medium to another computer-readable storage medium, for example, the computer program or instruction may be transmitted from one website site, computer, server or data center to another website site, computer, server or data center by wired or wireless means. The computer-readable storage medium may be any available medium that a computer can access or a data storage device such as a server, data center, etc. that integrates one or more available media. The available medium may be a magnetic medium, for example, a floppy disk, a hard disk, a tape; it may also be an optical medium, for example, a digital video disc; it may also be a semiconductor medium, for example, a solid-state hard disk.

[0122] In each embodiment of the present application, if there is no special explanation and logical conflict, the terms and / or descriptions between different embodiments are consistent and can be referenced to each other, and the technical features in different embodiments can be combined to form new embodiments according to their inherent logical relationships. The term "multiple" in this article refers to two or more. The term "and / or" in this article is only a description of the association relationship of associated objects, indicating that three relationships can exist. For example, A and / or B can represent: A exists alone, A and B exist at the same time, and B exists alone. In addition, the character " / " in this article generally indicates that the previous and next associated objects are in an "or" relationship; in a formula, the character " / " indicates that the previous and next associated objects are in a "division" relationship.

[0123] It should be understood that the various numerical numbers involved in the embodiments of the present application are only used for the convenience of description and are not used to limit the scope of the embodiments of the present application.

[0124] It is to be understood that, in the embodiments of the present application, the size of the sequence number of each process does not mean the order of execution, and the order of execution of each process should be determined by its function and inherent logic, and the implementation process of the embodiments of the present application should not be limited in any way. Those skilled in the art will easily think of other embodiments of the present application after considering the specification and practicing the invention disclosed herein. The present application is intended to cover any modification, use or adaptive change of the present application, which follows the general principles of the present application and includes the common knowledge or customary technical means in the art that are not disclosed in the present application. The specification and embodiments are only regarded as exemplary, and the true scope and spirit of the present application are indicated by the following claims.

[0125] It should be understood that the present application is not limited to the precise structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present application is limited only by the appended claims.

[0126] It should be noted that the virtual bank branch management method provided in this application can be applied to the financial field, and can also be applied to any field other than finance. This application does not limit the application field.

Claims

1. A virtual bank branch management method, characterized in that: include: Acquire isomorphic physical bank branch data of physical bank branches, wherein the isomorphic physical bank branch data is data obtained by integrating and processing multi-source heterogeneous data in the physical bank branch data, and the physical bank branch data includes element attribute information of each component unit of multiple components of the physical bank branch, wherein the multiple components include: personnel, business processes, equipment, and site environment, and the element attribute information includes static information and dynamic information, wherein the static information includes identity information, attribute information, and geometric information, and the dynamic information includes state information, location information, and process information; wherein the dynamic information of personnel is the behavior activities of personnel at different times, and the dynamic information of business processes is the business process processing process; Constructing multiple sub-models corresponding to the multiple component units of the physical bank branch and the model relationship between the multiple sub-models, wherein the sub-model corresponding to the personnel is a personnel digital twin model, the sub-model corresponding to the business process is a business process digital twin model, the sub-model corresponding to the equipment is a equipment digital twin model, and the sub-model corresponding to the site environment is a site environment digital twin model; Based on a multi-scale model fusion modeling method and an anchor-based virtual-real entity calibration method, the multiple sub-models are integrated in different scale dimensions of a fixed space to obtain a digital twin model of the physical bank branch, where the digital twin model is a virtual bank branch corresponding to the physical bank branch; Wherein, constructing a sub-model of any one of the plurality of component units comprises: Obtaining a static model of any one of the component units, and generating a dynamic simulation model of any one of the component units based on data related to any one of the component units in the physical bank branch data, wherein the static model is constructed by integrating the two-dimensional information of the physical object of any one of the component units according to the design drawings of the physical object or photos taken from multiple angles; The step of generating a dynamic simulation model of any one of the component units based on the data related to the any one of the component units in the physical bank branch data includes: When the component unit includes personnel, the personnel behavior activities are bionic modeled through the preset behavior model; When the component unit includes a business process of a device, the business process model is used to locate and embed the business process processing page corresponding to the business process model into the device model according to the anchor point.

2. A virtual bank branch management method, characterized in that: include: When a user visits a virtual bank branch, the user's actions are captured based on the action recognition interaction technology, and the virtual bank branch is a virtual bank branch obtained by using the method of claim 1; Calculating and processing the positions of key parts of the action to analyze and obtain the action behavior of the user; Converting the action behavior into an input trigger instruction and performing a corresponding operation based on the input trigger instruction to obtain user access data; Analyze the optimal network layout and product service customer experience design based on the user access data; Design customer service processes and optimize them.

3. The method according to claim 2, characterized in that The method further comprises: Monitor the production and operation data of physical bank branch equipment; Detect or predict operational failures of the physical bank branch equipment based on production and operation data of the physical bank branch equipment.

4. A virtual bank branch management device, characterized in that: include: An acquisition module is used to acquire isomorphic physical bank branch data of a physical bank branch, wherein the isomorphic physical bank branch data is data obtained by integrating and processing multi-source heterogeneous data in the physical bank branch data, and the physical bank branch data includes element attribute information of each component unit of a plurality of component units of the physical bank branch, wherein the plurality of component units include: personnel, business processes, equipment, and site environment, wherein the element attribute information includes static information and dynamic information, wherein the static information includes identity information, attribute information, and geometric information, and the dynamic information includes state information, location information, and process information; wherein the dynamic information of the personnel is the behavior activities of the personnel at different times, and the dynamic information of the business process is the business process processing process; A digital twin model construction module is used to construct multiple sub-models corresponding to the multiple component units of the physical bank branch and the model relationship between the multiple sub-models, wherein the sub-model corresponding to the personnel is a personnel digital twin model, the sub-model corresponding to the business process is a business process digital twin model, the sub-model corresponding to the equipment is a equipment digital twin model, and the sub-model corresponding to the site environment is a site environment digital twin model; based on a multi-scale model fusion modeling method and an anchor-based virtual-real entity calibration method, the multiple sub-models are integrated in different scale dimensions of a fixed space to obtain a digital twin model of the physical bank branch, and the digital twin model is a virtual bank branch corresponding to the physical bank branch; The digital twin model construction module is specifically used to obtain a static model of any component unit, and generate a dynamic simulation model of any component unit based on the data related to any component unit in the physical bank branch data, wherein the static model is constructed by integrating the physical object of any component unit according to the design drawings of the physical object or the two-dimensional information of photos taken from multiple angles; When the constituent units include personnel, the digital twin model construction module is specifically used to perform bionic modeling of personnel behavior activities through a preset behavior model; When the constituent unit includes the business process of the device, the digital twin model construction module is specifically used to use the business process model to locate the business process processing page corresponding to the business process model according to the anchor point and embed it into the device model.

5. A virtual bank branch management device, characterized in that: include: An enhanced interaction module, used to capture the user's actions based on the action recognition interaction technology when the user visits the virtual bank branch; The virtual bank branch is a virtual bank branch obtained by using the method according to claim 1; The enhanced interaction module is further used to calculate and process the positions of the key parts of the action to analyze and obtain the action behavior of the user; The enhanced interaction module is further used to convert the action behavior into an input trigger instruction and perform a corresponding operation based on the input trigger instruction to obtain user access data; A customer experience module, used to analyze the optimal network layout and product service customer experience design based on the user access data; Product design and process optimization modules are used to design and optimize customer service processes.

6. A virtual bank branch device, characterized in that: including a memory, and a processor coupled to the memory; The memory is used to store program instructions; The processor is configured to execute the program instructions to implement the method according to any one of claims 1 to 3.

7. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a program code for computer execution, wherein the program code includes a program for implementing the method according to any one of claims 1 to 3.

8. A computer program product, characterized in that The invention comprises a computer program, which implements the method according to any one of claims 1 to 3 when being executed by a processor.

Images