Bank-based element universe system

Abstract

The invention relates to a bank-based meta universe system, which comprises the following modules: a 3D space model configured to provide a 3D space view angle; the digital human service module is configured to provide financial knowledge question and answer service and transaction function guidance for customers; the interaction cooperation service module is configured to be used for interaction between virtual roles, including character interaction, real-time voice interaction, audio and video conversation and action interaction; and the transaction management module is configured to directly contact the mobile phone bank to complete the transaction through the financial purchase and precious metal purchase link clicked by the meta universe bank, and the transaction amount and number of times are counted after the transaction is completed. Through digital twinning, artificial intelligence and other technologies, a highly immersive and online and offline integrated meta-universe bank with real information is created innovatively.

Description

Technical Field

[0001] The present invention relates to the technical field of metaverse systems, and in particular to a metaverse system based on a bank. Background Art

[0002] With the development of mobile Internet and the deepening of digital transformation, customers' financial needs are gradually shifting to online, convenient and personalized services. According to the survey, the current financial services have the following pain points: First, the cross-channel experience is inconsistent. Customers at offline outlets interact with real people, while the online product shelf model requires customers to select products by themselves, and no one provides accompanying explanation services; second, information dissemination leakage. The existing information display-reach-perception-conversion path is long and leaks a lot, and information transmission is not intuitive, transparent, and fast; third, customers' new experience needs, young customers pursue immersion, participation, and a sense of gain, and elderly customers pursue companion services, which cannot be met by traditional interaction methods.

[0003] Therefore, it is necessary to provide a bank-based metaverse system, and through technologies such as digital twins and artificial intelligence, innovatively create a metaverse bank that is highly immersive, fully authentic, and integrated online and offline. Summary of the invention

[0004] The purpose of this invention is to provide a bank-based metaverse system, which uses technologies such as digital twins and artificial intelligence to innovatively create a metaverse bank that is highly immersive, fully authentic, and integrated online and offline.

[0005] In order to solve the problems existing in the prior art, the present invention provides a bank-based metaverse system, comprising the following modules:

[0006] a 3D spatial model configured to provide a 3D spatial perspective;

[0007] Digital human service module, configured to provide financial knowledge question-and-answer services and transaction function guidance to customers;

[0008] An interactive collaborative service module, configured for interaction between virtual characters, including text interaction, real-time voice interaction, audio and video calls, and action interaction;

[0009] The transaction management module is configured so that the financial purchase and precious metal purchase links clicked through the Metaverse Bank will directly reach the mobile banking to complete the transaction. After the transaction is completed, the transaction amount and number will be counted.

[0010] Optionally, in the bank-based metaverse system,

[0011] 3D spatial modeling uses computer vision, digital twins, and artificial intelligence technologies.

[0012] Optionally, in the bank-based metaverse system, the direction of establishing the 3D space model is as follows:

[0013] Through sampling of offline multi-view images and videos, the image and video data are reconstructed into a spatial model on a 3D modeling platform to generate a standard model file of fbx or obj;

[0014] Generate realistic image models through rendering pipeline technology;

[0015] Fiber optic rendering is performed in the scene and a physics engine is added to the model to realize physical property simulation and collision detection in the space, so as to achieve a real interactive experience and collision effect between objects in the virtual world.

[0016] Optionally, in the bank-based metaverse system, the digital human service module connects customers and banking services to provide customers with financial knowledge question-and-answer services and transaction function guidance.

[0017] Optionally, in the bank-based metaverse system, the digital human service module performs digital human services based on AI semantic recognition.

[0018] Optionally, in the bank-based metaverse system, the interactive collaborative service module performs interactive collaborative services based on multimodality.

[0019] In the bank-based metaverse system provided by the present invention, a highly immersive, fully authentic, online and offline integrated metaverse bank is innovatively created through technologies such as digital twins and artificial intelligence. The present invention creates a roamable, interactive, and tradable bank metaverse system to provide customers with personalized, customized, and intelligent financial services. At the same time, it empowers external parties, integrates resources, links cross-industry cooperative enterprises, and jointly builds an ecosystem that integrates finance, technology, commerce, and consumption. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] Figure 1 A module diagram of a bank-based metaverse system provided for an embodiment of the present invention. DETAILED DESCRIPTION

[0021] The specific implementation of the present invention will be described in more detail below in conjunction with the schematic diagram. The advantages and features of the present invention will become clearer based on the following description. It should be noted that the drawings are all in a very simplified form and are not in exact proportions, and are only used to facilitate and clearly assist in explaining the purpose of the embodiments of the present invention.

[0022] Hereinafter, if the method described herein includes a series of steps, the order in which the steps are presented herein is not necessarily the only order in which the steps may be performed, and some of the steps described may be omitted and / or some other steps not described herein may be added to the method.

[0023] With the development of mobile Internet and the deepening of digital transformation, customers' financial needs are gradually shifting to online, convenient and personalized services. According to the survey, the current financial services have the following pain points: First, the cross-channel experience is inconsistent. Customers at offline outlets interact with real people, while the online product shelf model requires customers to select products by themselves, and no one provides accompanying explanation services; second, information dissemination leakage. The existing information display-reach-perception-conversion path is long and leaks a lot, and information transmission is not intuitive, transparent, and fast; third, customers' new experience needs, young customers pursue immersion, participation, and a sense of gain, and elderly customers pursue companion services, which cannot be met by traditional interaction methods.

[0024] In order to solve the problems existing in the prior art, the present invention provides a bank-based metaverse system, such as Figure 1 As shown, the bank-based metaverse system includes the following modules:

[0025] The 3D spatial model is configured to provide a 3D spatial perspective; the 3D spatial modeling adopts computer vision, digital twin and artificial intelligence technology.

[0026] Specifically, the directions for establishing a 3D space model are as follows:

[0027] Through sampling of offline multi-view images and videos, the image and video data are reconstructed into a spatial model on a 3D modeling platform to generate a standard model file of fbx or obj;

[0028] Generate realistic image models through rendering pipeline technology;

[0029] Fiber optic rendering is performed in the scene and a physics engine is added to the model to realize physical property simulation and collision detection in the space, so as to achieve a real interactive experience and collision effect between objects in the virtual world.

[0030] The digital human service module connects customers and bank services and is configured to provide customers with financial knowledge question-and-answer services and transaction function guidance; the digital human service module provides digital human services based on AI semantic recognition.

[0031] Furthermore, digital humans can achieve vivid performance of 3D characters through motion-driven technology, facial expression-driven technology, and lip-driven technology. They can achieve different actions and facial expressions according to different reply contents, thus improving the customer interaction experience.

[0032] At the same time, the present invention collects daily communication corpus according to business characteristics, and constructs a digital human customer service proprietary financial knowledge graph through word segmentation, word bag construction, text vectorization, and neural network model training. The word bag training corpus covers 70+ semantic tags, and the number of generated corpus exceeds 6,000 groups. It identifies and understands customer intentions by building a proprietary knowledge base, and gives corresponding replies based on the trained response model.

[0033] The digital human service module relies on digital human services, natural language processing (NLP) technology and ASR to perform S semantic recognition, and at the same time updates the corpus with the recognized semantics, which is divided into a chat corpus and a transaction corpus. The semantic analysis module supports user-defined editing functions and imports pre-prepared basic transaction information into the system, such as automobile financial information and financial product information.

[0034] The interactive collaborative service module is configured for interaction between virtual characters, including text interaction, real-time voice interaction, audio and video calls, and action interaction; the interactive collaborative service module performs interactive collaborative services based on multimodality.

[0035] Specifically, 1. Text collaboration services are implemented through sensing device input, ASR, TTS, spatial perception and other technologies, allowing users to create group chat rooms, chat with multiple virtual character groups through text, and publish various types of content and text comments in the virtual space. 2. Action collaboration services are implemented, allowing users to call various built-in actions and let virtual characters use the actions to interact with other virtual characters, including but not limited to: handshakes, applause, bows, etc. 3. Voice collaboration services are implemented to support real-time voice, allowing users to conduct real-time public domain voice communication, and support the playback of immersive sound fields in space. 4. Support real-time voice conversion, support real-time audio and video calls for single and multiple people, and allow users to access private domain groups for voice calls and video calls; 5. Audio and video collaboration services are implemented to provide the ability to broadcast live videos in the venue and play videos in advertising spots.

[0036] The user interaction module in the metaverse space allows users to perform various interactive operations in the virtual world. Motion perception completes the action and movement of the virtual avatar in the space by capturing the operation instructions of the customer on the input device; voice and text perception supports users to realize text and voice interaction in the space; virtual item interaction supports users to interact with virtual items in the core of the space, such as picking up and using them; social functions support users to add friends, send bullet comments, participate in activities, etc.

[0037] The transaction management module is configured so that the purchase of wealth management products and precious metals through the Metaverse Bank will directly reach the mobile banking to complete the transaction. After the transaction is completed, the amount and number of transactions will be counted. Transactions within the Metaverse space are implemented based on the standard version of mobile banking, and the transaction process is divided into transaction completion and transaction statistics.

[0038] In summary, in the bank-based metaverse system provided by the present invention, through digital twins, artificial intelligence and other technologies, a highly immersive, information-true, online and offline integrated metaverse bank is innovatively created. The present invention creates a roamable, interactive, and tradable bank metaverse system to provide customers with personalized, customized, and intelligent financial services. At the same time, it empowers external parties, integrates resources, links cross-industry cooperative enterprises, and jointly builds an ecosystem that integrates finance, technology, commerce, and consumption.

[0039] The above is only a preferred embodiment of the present invention and does not limit the present invention in any way. Any technician in the relevant technical field, without departing from the scope of the technical solution of the present invention, makes any form of equivalent replacement or modification to the technical solution and technical content disclosed in the present invention, which does not depart from the content of the technical solution of the present invention and still falls within the protection scope of the present invention.

Claims

1. A bank-based metaverse system, characterized in that: Includes the following modules: a 3D spatial model configured to provide a 3D spatial perspective; Digital human service module, configured to provide financial knowledge question-and-answer services and transaction function guidance to customers; An interactive collaborative service module, configured for interaction between virtual characters, including text interaction, real-time voice interaction, audio and video calls, and action interaction; The transaction management module is configured so that the financial purchase and precious metal purchase links clicked through the Metaverse Bank will directly reach the mobile banking to complete the transaction. After the transaction is completed, the transaction amount and number will be counted.

2. The bank-based metaverse system of claim 1, wherein: 3D spatial modeling uses computer vision, digital twins, and artificial intelligence technologies.

3. The bank-based metaverse system of claim 2, wherein: The directions for building a 3D space model are as follows: Through sampling of offline multi-view images and videos, the image and video data are reconstructed into a spatial model on a 3D modeling platform to generate a standard model file of fbx or obj; Generate realistic image models through rendering pipeline technology; Fiber optic rendering is performed in the scene and a physics engine is added to the model to realize physical property simulation and collision detection in the space, so as to achieve a real interactive experience and collision effect between objects in the virtual world.

4. The bank-based metaverse system of claim 1, wherein: The digital human service module connects customers and banking services, providing customers with financial knowledge Q&A services and transaction function guidance.

5. The bank-based metaverse system of claim 4, wherein: The digital human service module provides digital human services based on AI semantic recognition.

6. The bank-based metaverse system of claim 1, wherein: The interactive collaborative service module provides interactive collaborative services based on multimodality.

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