Bank transaction system, method and equipment based on virtual reality technology and medium

Abstract

The invention discloses a bank transaction system, method and equipment based on virtual reality technology and a medium, and the system comprises a user management module which is used for processing an information management function of a user account; the scene simulation module is used for creating and simulating a business scene of a bank by adopting an HTC Vive head-mounted display and an interactive handle; the security authentication module is used for verifying the identity of the user and verifying information required in the handling process; the environment safety monitoring module is used for monitoring whether unsafe factors exist in the transaction environment or not; according to the invention, a brand new bank service mode can be provided based on the virtual reality technology and the Unity 3D engine, and the user experience and the service efficiency are greatly improved; by adopting the advanced security technology and data analysis capability, the security of the user data can be effectively guaranteed, more personalized services are provided for the user, the defects of the prior art are overcome, and the application value is higher.

Description

Technical Field

[0001] The present invention relates to the field of financial information technology. Specifically, the present invention is applied to the field of banking business, and in particular to a banking transaction system, method, device and medium based on virtual reality technology. Background Art

[0002] With the continuous increase in the demand for banking services, higher requirements have been placed on the processing capabilities of banking services. In traditional offline banking services, most services require users to make appointments in advance, queue up offline, and have time limits, which makes the logical process of users' business processing cumbersome and inefficient, causing great inconvenience to users.

[0003] In recent years, traditional physical branch services have gradually been replaced by online services. However, online services lack the feeling of physical interaction and still have certain limitations. They reduce the user experience, reduce the intuitiveness of business handling, and to a certain extent increase the difficulty of business handling. Summary of the invention

[0004] The purpose of the present invention is to provide a banking transaction system, method, device and medium based on virtual reality technology to solve the above problems in the prior art.

[0005] In order to solve the above technical problems, the specific technical solutions of the present invention are as follows: In one aspect, the present invention provides a banking transaction system based on virtual reality technology, comprising: A user management module, which is used to process information management functions of user accounts, including user registration, login and identity authentication; The scenario simulation module is used to create and simulate the bank's business scenarios using the HTC Vive head-mounted display and interactive handles; Security authentication module, used to verify user identity and information required in the processing process; The environmental security monitoring module is used to monitor whether there are unsafe factors in the transaction environment.

[0006] In one embodiment, the user management module is further configured to perform user identity authentication using biometric authentication technology.

[0007] In one embodiment, the user management module is also used to log in using a password and a text message verification code.

[0008] In one embodiment, the scenario simulation module is further used to select and load a business scenario according to the needs of the logged-in user; The business scenarios include: virtual bank lobby services, self-service terminal services and personal financial advisory services.

[0009] In one embodiment, the scene simulation module is further used to update and locally load the business scene through the AssetBundle hot update mechanism; The scenario simulation module is also used to configure an interactive virtual character or remotely connect to a real teller service in the business scenario; The scenario simulation module is also used to perform business interaction with users by combining voice interaction, touch interaction and gesture interaction.

[0010] In one embodiment, the security authentication module is further used to perform user account authentication using a multi-factor authentication mechanism.

[0011] In one embodiment, the environmental safety monitoring module is also used to detect whether the surrounding environment is suitable for transactions when the user performs privacy operations; The environmental safety monitoring module is also used to remind the user of transaction actions when there are potential safety hazards in the surrounding environment; The environmental safety monitoring module is also used to analyze the user's surrounding environment in real time using image recognition technology; The environmental safety monitoring module is also used to execute an alarm operation when it is detected that the user is in a dangerous environment.

[0012] On the other hand, the present invention also provides a banking transaction method based on virtual reality technology, comprising the following steps: Processing user account information management functions, including: user registration, login and identity authentication; Use HTC Vive head-mounted display and interactive handles to create and simulate banking business scenarios; Verify user identity and verify information required in the processing process; Monitor whether there are unsafe factors in the trading environment.

[0013] On the other hand, the present invention also provides a computer-readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, the steps of the banking transaction method based on virtual reality technology are implemented.

[0014] On the other hand, the present invention further provides a computer device, comprising a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory communicate with each other via the communication bus; wherein: The memory is used to store computer programs; The processor is used to execute the steps of the banking transaction method based on virtual reality technology by running the program stored in the memory.

[0015] The beneficial effects of the technical solution of the present invention are: 1. The bank transaction system based on virtual reality technology described in the present invention can provide a new banking service model based on virtual reality technology and Unity 3D engine through the mutual cooperation of system modules, greatly improving user experience and service efficiency; by adopting advanced security technology and data analysis capabilities, it can effectively protect the security of user data and provide users with more personalized services, making up for the defects of existing technologies and having high application value.

[0016] 2. The bank transaction method based on virtual reality technology described in the present invention can call the system modules in an orderly manner, thereby realizing the system logic of the bank transaction system based on virtual reality technology described in the present invention.

[0017] 3. The computer-readable storage medium described in the present invention can guide the system module to cooperate, thereby realizing the bank transaction method based on virtual reality technology described in the present invention, and the computer-readable storage medium described in the present invention also effectively improves the operability of the bank transaction method based on virtual reality technology.

[0018] 4. The computer device described in the present invention can store and execute the computer-readable storage medium, thereby realizing the bank transaction method based on virtual reality technology described in the present invention. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] In order to more clearly illustrate the specific implementation methods of the present invention or the technical solutions in the prior art, the drawings required for use in the specific implementation methods or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are some implementation methods of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0020] Figure 1 This is a schematic diagram of the architecture of a bank transaction system based on virtual reality technology according to Embodiment 1 of the present invention; Figure 2 This is a system logic diagram of a bank transaction system based on virtual reality technology according to Embodiment 1 of the present invention; Figure 3 This is a schematic diagram of a simulated application scenario of the bank transaction system based on virtual reality technology when in use according to Embodiment 1 of the present invention; Figure 4is a flowchart of a bank transaction method based on virtual reality technology according to Embodiment 2 of the present invention; Figure 5 is a schematic diagram of the structure of the computer device described in Example 4 of the present invention; The symbols in the accompanying drawings are explained as follows: 1501, processor; 1502, communication interface; 1503, memory; 1504, communication bus. DETAILED DESCRIPTION

[0021] The preferred embodiments of the present invention are described in detail below in conjunction with the accompanying drawings so that the advantages and features of the present invention can be more easily understood by those skilled in the art, thereby making a clearer and more definite definition of the protection scope of the present invention.

[0022] In the description of the present invention, it should be noted that the embodiments described in the present invention are only part of the embodiments of the present invention, rather than all of the embodiments; based on the embodiments in the present invention, all other embodiments obtained by ordinary technicians in the field without making creative work are within the scope of protection of the present invention.

[0023] The terms "first", "second", etc. in the specification and claims of this article and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of this article described here can be implemented in an order other than those illustrated or described here. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, device, product or equipment that includes a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or equipment. Example 1

[0024] This embodiment provides a banking transaction system based on virtual reality technology. Figure 1~Figure 3 As shown, including: The core function of this system is to simulate various business processes in banks through a highly realistic interactive virtual reality environment. It uses the HTC Vive head-mounted display and interactive handles, and with the support of the Unity3D engine, creates a platform for bank transaction environments in virtual reality scenarios; it can provide users with immersive banking services through virtual reality technology, including but not limited to virtual bank halls, self-service terminal simulations, personal financial advisors and other services; through this system, it can accurately simulate actual banking business scenarios to provide users with a more intuitive and realistic business transaction experience; it supports users to perform various banking business operations in a virtual environment, allowing users to complete banking business without leaving home; through interactive behaviors in virtual reality scenarios, it brings users a sense of reality and immersion, and business does not require queuing or appointments, saving time and effort. The details of this system are as follows: This system includes: (1) User management module, which is used to handle user account information management functions, including user registration, login, and identity authentication; Specifically, the user management module uses biometric authentication technologies (such as facial recognition, fingerprint recognition, etc.) to improve the security of user identity authentication; Specifically, the user management module supports multiple login methods, including but not limited to: password login, SMS verification code login, etc., to meet the needs of different users; Specifically, the user management module can also record user business handling information to analyze user banking behavior tendencies and better provide business content for users; Specifically, the functions of the user management module are implemented based on Tencent Cloud MySQL cloud database.

[0025] (2) Scenario simulation module, which is used to create and simulate various business scenarios of the bank using the HTC Vive head-mounted display and interactive handles; the scenario simulation module can help users experience real banking transaction scenarios. Through the head-mounted display, the built-in voice input device and the interactive handle, users can perform various forms of interactive operations, which can greatly improve the efficiency of business processing while reducing the difficulty of user operation; Figure 3 As shown in the figure, a simulated application scenario of a user wearing HTC Vive to conduct banking business is demonstrated. Only a host, HTC Vive head-mounted display, and interactive handles are needed to build a transaction environment. Specifically, the scenario simulation module selects to load different business scenarios according to the needs of the logged-in user; the scenarios loaded by the scenario simulation module include but are not limited to: virtual bank hall, self-service terminal simulation, and personal financial advisor services; Specifically, the update of scene content and local loading are achieved through the AssetBundle hot update mechanism, which can reduce local storage pressure and system operation load problems on the one hand; on the other hand, it is convenient for the background to maintain the update and maintenance of business scenarios and functions.

[0026] Specifically, the scenario simulation module configures interactive virtual characters or remotely connects to real teller services in different business scenarios to provide instant consultation and support; Specifically, the scene simulation module combines voice interaction, touch interaction, gesture interaction and other interaction methods to provide a multi-sensory interactive experience, allowing users to integrate into the virtual reality environment more quickly while reducing the difficulty of operation; Among them, gesture interaction: mainly uses the HTC interactive handle to perform gesture interaction operations, including inputting text and other content and grabbing objects in the virtual scene; Among them, voice interaction: mainly through iFlytek's voice recognition API to complete the voice interaction function in the scene, assisted by Microsoft's voice recognition API to complete the voice recognition interaction in this environment, pass the voice recognition content to the virtual character model in the scene, and respond to the corresponding content in the supporting action library through natural language processing technology for display.

[0027] Specifically, the scene simulation module uses the Unity 3D engine to achieve high-fidelity visual effects and smooth interactive experience.

[0028] (3) Security authentication module, used to verify the user's identity, ensure that the business is handled by the user himself, and verify the information required in the process; Specifically, the security authentication module adopts a multi-factor authentication mechanism, including passwords, biometric recognition (such as iris scanning, facial recognition, etc.), mobile phone verification, etc., to ensure the security of the account, implement a dual authentication mechanism, and further enhance security.

[0029] Specifically, the security authentication module ensures that the business processing is performed by the user himself, and verifies the information required in the processing process.

[0030] (4) Environmental security monitoring module, used to monitor whether there are other unsafe factors in the transaction environment; Specifically, the environmental safety monitoring module uses the infrared camera and other devices equipped externally by the user during the virtual transaction and the voice device built into the HTC Vive helmet; Specifically, when a user performs privacy operations, the environmental safety monitoring module automatically detects whether the surrounding environment is suitable for transactions. If there are potential safety hazards, the user will be reminded to conduct transactions with caution.

[0031] Specifically, the environmental safety monitoring module uses image recognition technology to analyze the user's surrounding environment in real time to ensure privacy and security during transactions; Specifically, the environmental safety monitoring module supports the automatic alarm function in emergency situations. For example, when the system detects that the user is in a dangerous environment, an alarm can be sent to a security agency.

[0032] It should be noted that the above examples are only for explaining the present invention and cannot limit the protection scope of the present invention. Example 2

[0033] This embodiment is based on the same inventive concept as the virtual reality technology-based banking transaction system described in Embodiment 1, and provides a virtual reality technology-based banking transaction method, such as Figure 4 As shown, the following steps are included: S1. Processing information management functions of user accounts, including user registration, login and identity authentication; S2, using HTC Vive head-mounted display and interactive handles to create and simulate banking business scenarios; S3. Verify the user's identity and the information required in the processing process; S4. Monitor whether there are unsafe factors in the trading environment. Example 3

[0034] This embodiment provides a computer-readable storage medium, including: The storage medium is used to store computer software instructions used to implement the bank transaction method based on virtual reality technology described in the above-mentioned Example 2, which includes a program for executing the above-mentioned program set for the bank transaction method based on virtual reality technology; specifically, the executable program can be built into the bank transaction system based on virtual reality technology described in Example 1, so that the bank transaction system based on virtual reality technology can implement the bank transaction method based on virtual reality technology described in Example 2 by executing the built-in executable program.

[0035] In addition, the computer-readable storage medium of this embodiment may adopt any combination of one or more computer-readable storage media, wherein the computer-readable storage medium includes electrical, optical, electromagnetic, infrared or semiconductor systems, devices or components, or any combination thereof. Example 4

[0036] This embodiment provides an electronic device, such as Figure 5As shown, the electronic device may include: a processor 1501 , a communication interface 1502 , a memory 1503 and a communication bus 1504 , wherein the processor 1501 , the communication interface 1502 , and the memory 1503 communicate with each other via the communication bus 1504 .

[0037] Memory 1503, used for storing computer programs; The processor 1501 is used to implement the steps of the bank transaction method based on virtual reality technology described in the above-mentioned embodiment 1 when executing the computer program stored in the memory 1503.

[0038] As an embodiment of the present invention, the communication bus mentioned in the above terminal can be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus. The communication bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 5 Only one thick line is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0039] As an implementation mode of the present invention, the communication interface is used for communication between the above-mentioned terminal and other devices.

[0040] As an embodiment of the present invention, the memory may include a random access memory (RAM) or a non-volatile memory, such as at least one disk memory. Optionally, the memory may also be at least one storage device located away from the aforementioned processor.

[0041] As an embodiment of the present invention, the above-mentioned processor can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components.

[0042] Different from the existing technology, the bank transaction system, method, device and medium based on virtual reality technology of the present application can provide a new banking service model based on virtual reality technology and Unity 3D engine, greatly improving user experience and service efficiency; by adopting advanced security technology and data analysis capabilities, it can effectively protect the security of user data and provide users with more personalized services, making up for the shortcomings of the existing technology and having high application value.

[0043] It should be understood that in the various embodiments of this document, the size of the serial numbers of the above-mentioned processes does not mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of this document.

[0044] It should also be understood that in the embodiments of this article, the term "and / or" is only a description of the association relationship of the associated objects, indicating that three relationships may 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 associated objects before and after are in an "or" relationship.

[0045] Those of ordinary skill in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in terms of function in the above description. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this article.

[0046] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific logical process of the method described above can refer to the corresponding working processes of the systems, devices and units in the aforementioned method embodiments, and will not be repeated here.

[0047] In the several embodiments provided herein, 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 schematic, for example, the division of the units is only a logical function division, and there may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interfaces, devices or units, or can be electrical, mechanical or other forms of connection.

[0048] 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 distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the embodiments of this article.

[0049] In addition, each functional unit in each embodiment of this invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above integrated unit may be implemented in the form of hardware or in the form of software functional unit.

[0050] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this article is essentially or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of this article. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk and other media that can store program codes.

[0051] The above descriptions are merely embodiments of the present invention and are not intended to limit the patent scope of the present invention. Any equivalent structure or equivalent process transformation made using the contents of the present invention specification and drawings, or directly or indirectly applied in other related technical fields, are also included in the patent protection scope of the present invention.

Claims

1. A banking transaction system based on virtual reality technology, characterized in that: include: A user management module, which is used to process information management functions of user accounts, including user registration, login and identity authentication; The scenario simulation module is used to create and simulate the bank's business scenarios using the HTC Vive head-mounted display and interactive handles; Security authentication module, used to verify user identity and information required in the processing process; The environmental security monitoring module is used to monitor whether there are unsafe factors in the transaction environment.

2. The bank transaction system based on virtual reality technology according to claim 1, characterized in that: The user management module is also used to perform user identity authentication using biometric authentication technology.

3. The bank transaction system based on virtual reality technology according to claim 1, characterized in that: The user management module is also used to log in using a password and a text message verification code.

4. The bank transaction system based on virtual reality technology according to claim 1, characterized in that: The scenario simulation module is also used to select and load business scenarios according to the needs of the logged-in user; The business scenarios include: virtual bank lobby services, self-service terminal services and personal financial advisory services.

5. The bank transaction system based on virtual reality technology according to claim 1 is characterized in that: The scene simulation module is also used to update and locally load the business scene through the AssetBundle hot update mechanism; The scenario simulation module is also used to configure an interactive virtual character or remotely connect to a real teller service in the business scenario; The scenario simulation module is also used to perform business interaction with users by combining voice interaction, touch interaction and gesture interaction.

6. The bank transaction system based on virtual reality technology according to claim 1, characterized in that: The security authentication module is also used to perform user account authentication using a multi-factor authentication mechanism.

7. The bank transaction system based on virtual reality technology according to claim 1, characterized in that: The environmental safety monitoring module is also used to detect whether the surrounding environment is suitable for transactions when the user performs privacy operations; The environmental safety monitoring module is also used to remind the user of transaction actions when there are potential safety hazards in the surrounding environment; The environmental safety monitoring module is also used to analyze the user's surrounding environment in real time using image recognition technology; The environmental safety monitoring module is also used to execute an alarm operation when it is detected that the user is in a dangerous environment.

8. A banking transaction method based on virtual reality technology, characterized in that: The following steps are involved: Processing user account information management functions, including: user registration, login and identity authentication; Use HTC Vive head-mounted display and interactive handles to create and simulate banking business scenarios; Verify user identity and verify information required in the processing process; Monitor whether there are unsafe factors in the trading environment.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by the processor, the steps of the bank transaction method based on virtual reality technology described in claim 8 are implemented.

10. A computer device, characterized in that: It includes a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory communicate with each other through the communication bus; wherein: The memory is used to store computer programs; The processor is used to execute the steps of the banking transaction method based on virtual reality technology in claim 8 by running the program stored in the memory.

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