Method, device and equipment for transferring accounts in three-dimensional virtual bank space and medium

Abstract

The invention provides a transfer method in a three-dimensional virtual bank space, relates to the technical field of virtual reality, and can be used in the financial field. The method comprises the steps that a bank card list is displayed to a user, each bank card in the bank card list is displayed in a three-dimensional card model, and different three-dimensional card models do not make contact with one another; and when the user drags the target three-dimensional card model to move in the three-dimensional virtual bank space, if the target three-dimensional card model is superposed with the position of at least one other three-dimensional card model and the superposition degree reaches a superposition response condition, the target three-dimensional card model is displayed in the three-dimensional virtual bank space. And determining that the bank card corresponding to the target three-dimensional card model is a roll-out card and the bank card corresponding to each other three-dimensional card model is a roll-in card. The invention further provides an account transfer device and equipment in the three-dimensional virtual bank space, a storage medium and a program product.

Description

Technical Field

[0001] The present disclosure relates to the field of virtual reality technology and can be used in the financial field. More specifically, it relates to a method, device, equipment, medium and program product for transferring money in a three-dimensional virtual bank space. Background Art

[0002] When performing a transfer operation in the two-dimensional interface of the existing mobile banking client, you need to log in to the mobile banking, click on transfer, select the transfer account, select the transfer account, enter the amount, click next, verify your identity, and the transfer is successful after the identity verification is passed. However, with the popularization of virtual reality and related equipment, more and more users are beginning to use virtual reality equipment to experience various banking services (such as transfers) in a three-dimensional virtual banking space. In the three-dimensional virtual banking space, if the click operation in the two-dimensional interface of the mobile banking client is used, although the handle can be used to click the display page for interaction, because the three-dimensional virtual space is the user's visual perception of the three-dimensional space, the click operation will be inconvenient to operate, and the three-dimensional interactive experience of the three-dimensional space is not fully utilized. Summary of the invention

[0003] In view of the above problems, the embodiments of the present disclosure provide a method, apparatus, device, medium and program product for transferring money in a three-dimensional virtual banking space to improve user interaction experience.

[0004] In a first aspect of an embodiment of the present disclosure, a method for transferring money in a three-dimensional virtual bank space is provided. The method comprises: displaying a bank card list to a user, wherein each bank card in the bank card list is displayed as a three-dimensional card model, wherein different three-dimensional card models do not touch each other; and when the user drags a target three-dimensional card model to move in the three-dimensional virtual bank space, if the position of the target three-dimensional card model overlaps with that of at least one other three-dimensional card model and the degree of overlap reaches an overlap response condition, determining that the bank card corresponding to the target three-dimensional card model is a transfer-out card and the bank card corresponding to each of the other three-dimensional card models is a transfer-in card. The target three-dimensional card model and the other three-dimensional card models are all three-dimensional card models in the bank card list.

[0005] According to an embodiment of the present disclosure, in a one-to-one transfer mode, at least one of the other three-dimensional card models includes one other three-dimensional card model, wherein the determination that the bank card corresponding to the target three-dimensional card model is a transfer-out card and the bank card corresponding to each of the other three-dimensional card models is a transfer-in card includes: when the user drags the target three-dimensional card model to move in the three-dimensional virtual bank space, in response to the position of the target three-dimensional card model overlapping with the three-dimensional card model and the degree of overlapping reaching the overlapping response condition, triggering a transfer confirmation operation; wherein, in the transfer confirmation operation, the bank card corresponding to the target three-dimensional card model is the transfer-out card, and the bank card corresponding to the other three-dimensional card model is the transfer-in card.

[0006] According to an embodiment of the present disclosure, the determination that the bank card corresponding to the target three-dimensional card model is a transfer-out card and the bank card corresponding to each of the other three-dimensional card models is a transfer-in card includes: when the user drags the target three-dimensional card model to move in the three-dimensional virtual bank space, in response to the position of the target three-dimensional card model overlapping with each of the other three-dimensional card models and the degree of overlapping reaching the overlapping response condition, changing the display state of each of the other three-dimensional card models; and when the user finishes dragging the target three-dimensional card model, determining that the bank card corresponding to the target three-dimensional card model is a transfer-out card, and determining that the bank cards corresponding to all the other three-dimensional card models whose display states have changed are transfer-in cards.

[0007] According to an embodiment of the present disclosure, the determining that the bank card corresponding to the target three-dimensional card model is a transfer-out card and the bank card corresponding to each of the other three-dimensional card models is a transfer-in card includes: when the user drags the target three-dimensional card model to move in the three-dimensional virtual bank space, in response to the position overlap of the target three-dimensional card model and the other three-dimensional card models and the degree of overlap reaches the overlap response condition, setting the other three-dimensional card models to follow the target three-dimensional card model to move synchronously in the three-dimensional virtual bank space; when the user finishes dragging the target three-dimensional card model, determining that the bank card corresponding to the target three-dimensional card model is a transfer-out card, and determining that the bank cards corresponding to all three-dimensional card models that move synchronously with the target three-dimensional card model are transfer-in cards.

[0008] According to an embodiment of the present disclosure, determining that the bank card corresponding to the target three-dimensional card model is a transfer-out card and the bank card corresponding to each of the other three-dimensional card models is a transfer-in card includes: projecting all three-dimensional card models in the three-dimensional virtual bank space onto the screen viewport plane of the device used to render the three-dimensional virtual bank space; and determining that the bank cards corresponding to all three-dimensional card models on the screen viewport that intersect with the projection of the target three-dimensional card model are all transfer-in cards.

[0009] According to an embodiment of the present disclosure, the method further includes: after the transfer between the transfer-out card and all the transfer-in cards is completed, refreshing the bank card list so that the target three-dimensional card model and the other three-dimensional card models are restored to their initial positions in the bank card list.

[0010] According to an embodiment of the present disclosure, the method further includes: authenticating the user through iris recognition; and after the identity authentication is passed, transferring money from the transfer-out card to each of the transfer-in cards.

[0011] According to an embodiment of the present disclosure, the method also includes: collecting handle posture information of a handle used by a user when operating in the three-dimensional virtual bank space; locating the ray extended from the handle in the three-dimensional virtual bank space based on the handle posture information and a ray algorithm; when the ray extended from the handle intersects with the spatial position of a three-dimensional card model, if the user performs a long press operation on the handle, determining that the three-dimensional card model is the target three-dimensional card model; and fixing the positional relationship between the target three-dimensional card model and the ray extended from the handle before the long press operation ends, so that the user drags the target three-dimensional card model to move in the three-dimensional virtual bank space.

[0012] According to an embodiment of the present disclosure, the overlay response condition includes that the projection overlapping area of ​​two three-dimensional card models in an interface reference plane preset in the three-dimensional virtual bank card space exceeds a threshold range, wherein the interface reference plane is parallel to the screen viewport plane of the device rendering the three-dimensional virtual bank space.

[0013] According to a second aspect of the embodiments of the present disclosure, a transfer device in a three-dimensional virtual bank space is provided. The transfer device includes a display module and a transfer-in and transfer-out card determination module. The display module is used to display a bank card list to the user, wherein each bank card in the bank card list is displayed as a three-dimensional card model, wherein different three-dimensional card models do not touch each other. The transfer-in and transfer-out card determination module is used to determine that the bank card corresponding to the target three-dimensional card model is a transfer-out card and the bank card corresponding to each of the other three-dimensional card models is a transfer-in card when the user drags the target three-dimensional card model to move in the three-dimensional virtual bank space, if the position of the target three-dimensional card model overlaps with that of at least one other three-dimensional card model and the degree of overlap reaches an overlap response condition; wherein the target three-dimensional card model and the other three-dimensional card models are both three-dimensional card models in the bank card list.

[0014] According to an embodiment of the present disclosure, the transfer device further comprises a transfer module. The transfer module is used to: authenticate the user through iris recognition; and transfer money from the transfer-out card to each of the transfer-in cards after the identity authentication is passed.

[0015] A third aspect of the embodiments of the present disclosure provides an electronic device, which includes: one or more processors; and a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the above method.

[0016] A fourth aspect of the embodiments of the present disclosure further provides a computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the above method.

[0017] The fifth aspect of the embodiments of the present disclosure also provides a computer program product, including a computer program, which implements the above method when executed by a processor.

[0018] One or more of the above embodiments have the following advantages or beneficial effects: money transfer can be achieved through an interactive method of card overlay in a three-dimensional virtual banking space, wherein the user can quickly transfer money by overlaying one card on another or multiple cards through gesture operations in the space. The interactive method is more in line with the user habits and behaviors in the three-dimensional space, is convenient and efficient, and improves the user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] The above contents and other objects, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0020] Figure 1 A schematic diagram showing an application scenario of a method, device, equipment, medium and program product for transferring money in a three-dimensional virtual bank space according to an embodiment of the present disclosure;

[0021] Figure 2 A flowchart of a method for transferring money in a three-dimensional virtual bank space according to an embodiment of the present disclosure is schematically shown;

[0022] Figure 3 The schematic diagram shows a process of a user dragging a target three-dimensional card model and overlapping other three-dimensional card models to trigger a one-to-one transfer in one embodiment of the present disclosure, wherein the view order is from left to right in the same row and from top to bottom in different rows;

[0023] Figure 4 The schematic diagram shows a process of implementing batch transfer by dragging a target three-dimensional card model and superimposing multiple other three-dimensional card models in an embodiment of the present disclosure, wherein the view order is from left to right in the same row and from top to bottom in different rows;

[0024] Figure 5 A block diagram schematically shows a device for transferring money in a three-dimensional virtual banking space according to an embodiment of the present disclosure; and

[0025] Figure 6 A block diagram of an electronic device suitable for implementing the method for transferring money in a three-dimensional virtual banking space according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0026] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0027] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise", "include", etc. used herein indicate the existence of the features, steps, operations and / or components, but do not exclude the existence or addition of one or more other features, steps, operations or components.

[0028] All terms (including technical and scientific terms) used herein have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification, and should not be interpreted in an idealized or overly rigid manner.

[0029] When using expressions such as "at least one of A, B, and C, etc.", they should generally be interpreted according to the meaning of the expression commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0030] In the technical solution of the present invention, the user information (including but not limited to user personal information, user image information, user device information, such as location information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data comply with the relevant laws, regulations and standards of relevant countries and regions, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0031] Figure 1The application scenario diagram of the method, apparatus, device, medium and program product for transferring money in a three-dimensional virtual bank space according to an embodiment of the present disclosure is schematically shown.

[0032] like Figure 1 As shown, the application scenario 100 according to this embodiment may include a virtual reality device 101, a network 102, and a server 103. The network 102 is a medium for providing a communication link between the virtual reality device 101 and the server 102. The network 102 may include various connection types, such as wired, wireless communication links, or optical fiber cables, etc.

[0033] The user can use the virtual reality device 101 to interact with the server 103 via the network 102 to receive or send messages, etc.

[0034] A virtual bank client may be installed in the virtual reality device 101. The user may log in to the virtual bank client using the virtual reality device 101, wherein the virtual bank client may render a three-dimensional virtual bank space using a 3D engine and display it to the user.

[0035] The server 103 may be a server that provides various services, such as a background management server that provides support for the three-dimensional virtual bank space perceived by the user using the virtual reality device 101 (only as an example).

[0036] The user can use the virtual reality device 101 to operate in the three-dimensional virtual banking space (for example, use a handle connected to the virtual reality device 101 to operate in the virtual three-dimensional space), send a user request to the server 103, and receive feedback from the server 103 on the user request.

[0037] In the application scenario 100, the transfer method in the three-dimensional virtual bank space provided by the embodiment of the present disclosure can generally be executed by the virtual reality device 101. Accordingly, the transfer device, equipment, medium and program product in the three-dimensional virtual bank space provided by the embodiment of the present disclosure can generally be set in the virtual reality device 101. The transfer method in the three-dimensional virtual bank space provided by the embodiment of the present disclosure can also be partially executed by the virtual reality device 101 and partially executed by the server 103. Accordingly, the transfer device, equipment, medium and program product in the three-dimensional virtual bank space provided by the embodiment of the present disclosure can also be partially set in the virtual reality device 101 and partially set in the server 103.

[0038] It should be understood that Figure 1 The number of virtual reality devices, networks, and servers in the embodiment is only for illustration. Any number of terminal devices, networks, and servers may be provided as required.

[0039] The following will be based on Figure 1 The application scenario described above is used to describe the method for transferring money in a three-dimensional virtual bank space according to an embodiment of the present disclosure in detail. It should be noted that the sequence number of each operation in the following method is only used as a representation of the operation for the purpose of description, and should not be regarded as indicating the execution order of the operations. Unless explicitly stated, the method does not need to be executed in the order shown.

[0040] Figure 2 The flowchart of the method for transferring money in a three-dimensional virtual banking space according to an embodiment of the present disclosure is schematically shown.

[0041] like Figure 2 As shown, the method for transferring money in a three-dimensional virtual banking space of this embodiment may include operation S201 and operation S202.

[0042] First, in operation S201, a bank card list is displayed to the user, wherein each bank card in the bank card list is displayed as a three-dimensional card model, wherein different three-dimensional card models do not touch each other.

[0043] Then in operation S202, when the user drags the target three-dimensional card model to move in the three-dimensional virtual bank space, if the position of the target three-dimensional card model overlaps with at least one other three-dimensional card model and the degree of overlap reaches the overlap response condition, it is determined that the bank card corresponding to the target three-dimensional card model is a transfer-out card and the bank card corresponding to each other superimposed three-dimensional card model is a transfer-in card.

[0044] After the transfer-out card and the transfer-in card are determined, the transfer confirmation operation from the transfer-out card to each transfer-in card can be triggered, which may include operations such as transfer amount confirmation, transfer-out card account balance check, and identity authentication. For example, a transfer confirmation page may be displayed to the user for the user to enter or confirm the transfer amount, and check whether the transfer-out card account balance meets the total transfer amount. If so, the user's identity may be authenticated through iris recognition. After the identity authentication is passed, the transfer is made from the transfer-out card to each transfer-in card, such as Figure 3 and Figure 4 In the disclosed embodiment, when performing identity authentication, the iris recognition method is selected, which can fully utilize the advantage of the virtual reality device 101 in capturing the user's eyes or vision, and collect iris images for iris recognition without the user's perception, so that identity authentication can be performed without the user's additional operation.

[0045] In the disclosed embodiment, the setting of the superposition response condition is to distinguish the situation where the position of the target three-dimensional card model is superimposed with other three-dimensional card models due to the special operation of the user from the situation where the three-dimensional card model is superimposed due to the inadvertent operation of the user, wherein the transfer operation is the situation where the position of the three-dimensional card model is superimposed due to the special operation of the user. The superposition response condition can be set to correspond to the overlap of most (for example, more than 60%) areas of the two three-dimensional card models from the user's perspective. In one embodiment, the superposition response condition can be that the overlapping area of ​​the projections of the two three-dimensional card models in the interface reference plane preset in the three-dimensional virtual bank card space exceeds the threshold range (for example, more than 60% of the projections of the two three-dimensional card models overlap). Among them, the interface reference screen can be a reference plane used for rendering and moving the three-dimensional card model in the three-dimensional virtual bank space, and the interface reference plane is parallel to the screen viewport plane of the virtual reality device 101 (that is, the display screen of the virtual reality device 101).

[0046] The transfer method of the disclosed embodiment can perform one-to-one transfers or one-to-many transfers (e.g., batch transfers) in a three-dimensional virtual bank space. In some embodiments, a one-to-one transfer mode and a batch transfer mode can be set, and the user selects the transfer mode, and then in different transfer modes, operation S202 can determine the transfer-in card in different interactive ways.

[0047] In the one-to-one transfer mode, you can Figure 3 As shown, when the user drags the target 3D card model to move in the 3D virtual bank space, if the position of the target 3D card model overlaps with any 3D card model in the space and the overlap degree reaches the overlap response condition, the transfer confirmation operation can be triggered, wherein the bank card corresponding to the target 3D card model dragged by the user is the transfer-out card, and the bank card corresponding to the overlapped 3D card model is the transfer-in card. For example, Figure 3 As long as the two 3D card models overlap and meet the superposition response conditions, the transfer confirmation interface can be displayed in the 3D virtual bank space, allowing the user to enter or confirm the transfer amount, and perform user identity authentication through iris recognition, and then transfer after the identity authentication is passed. In this way, the transfer can be quickly realized based on the superposition of the two card models.

[0048] Different from the one-to-one transfer mode, in the batch transfer mode, the user can drag the target three-dimensional card model to move in the three-dimensional virtual bank space. The three-dimensional card models that overlap and meet the overlapping response conditions are determined as the transfer-in card models, and then the transfer confirmation operation is triggered at the end of the dragging operation.

[0049] It can be understood that in the batch transfer mode, there are usually multiple transfer-in cards, but there can also be one. Therefore, in some embodiments, it is also possible not to distinguish between the one-to-one mode and the batch transfer mode, and both use the same interaction method as described in the batch transfer mode, and determine which cards are transfer-in cards based entirely on the overlap between the target three-dimensional card model and other three-dimensional card models during the entire process of the user dragging the target three-dimensional card model.

[0050] For example, when the user drags the target three-dimensional card model to move in the three-dimensional virtual bank space, if the target three-dimensional card model overlaps with the position of any three-dimensional card model and the degree of overlap reaches the overlap response condition, the display state of the superimposed three-dimensional card model can be changed (for example, the color or brightness changes, or the static state changes to a shaking state), and then when the user finishes dragging the target three-dimensional card model, all the bank cards corresponding to the three-dimensional card models that have changed the display state in the three-dimensional virtual bank space are transferred-in cards. When the dragging of the target three-dimensional card model ends (for example, the user stops pressing the handle), the transfer confirmation page of the batch transfer can be displayed to the user, wherein the information of the transfer-out card and the transfer-in card (such as the account number, the name of the account owner, etc.) can be displayed to the user in a list on the transfer confirmation page. In this case, when the transfer is completed, the three-dimensional card model whose display state has changed can be controlled to restore to the previous state.

[0051] For example, Figure 4 As shown, when the user drags the target 3D card model to move in the 3D virtual bank space, if the position of the target 3D card model overlaps with that of a certain 3D card model and the degree of overlap reaches the overlap response condition, the overlapped 3D card model can be set to move synchronously with the target 3D card model in the 3D virtual bank space. Then, when the user finishes dragging the target 3D card model, the bank card corresponding to the target 3D card model is determined to be a transfer-out card, and the bank cards corresponding to all 3D card models that move synchronously with the target 3D card model are determined to be transfer-in cards. Figure 4 As shown, after the dragging of the target three-dimensional card model ends (e.g., the user stops pressing the handle), a transfer confirmation page for batch transfer can be displayed to the user, wherein the information of the transfer-out card and the transfer-in card (e.g., account number, name of the account owner, etc.) can be displayed to the user in a list on the transfer confirmation page, allowing the user to enter the transfer amount to each card during the batch transfer, and after the user confirms and passes the iris recognition identity authentication, the corresponding amount is transferred from the transfer-out card to each transfer-in card. Further, after the transfer is completed, in response to the transfer completion (e.g., successful transfer, failed transfer, or abandoned transfer, etc.), the bank card list can be refreshed so that the target three-dimensional card model and other three-dimensional card models are restored to their initial positions in the bank card list.

[0052] Next, combine Figure 4Taking the transfer interaction mode in the example, the technical implementation logic of the transfer method in the three-dimensional virtual bank space in one embodiment is described in detail. Specifically, the technical implementation logic may include the following steps S1 to S14.

[0053] S1, when a user logs in to a virtual bank client through a virtual reality device 101, the client sends the login credentials to the server 103, and the server 103 authenticates the user's identity based on the login credentials. After the authentication is passed, the virtual bank client sends data containing the information of the bank card under the user's name and the associated bank cards. The virtual bank client can use a 3D engine to render a three-dimensional virtual bank space and display it to the user

[0054] S2, when the user clicks to expand the bank card list view in the three-dimensional virtual bank space, the bank card information is traversed, and the card product type is determined. After matching with the card face 3D model data stored in the local resource package of the virtual bank client, the three-dimensional card models are rendered one by one on the interface reference plane. When rendering, a spherical environment map is placed with the origin of the space as the center, and several point light sources are arranged, and the two together provide light source information in the scene. The number and position of the point light sources can be arranged according to the number and position of the bank cards to be rendered. For example, a point light source illuminates a three-dimensional card model.

[0055] The three-dimensional card model can use physically based rendering (PBR) system materials to calculate light and shadow according to the material, light source information and occlusion relationship of the card model to form a three-dimensional effect.

[0056] S3, collecting the handle posture information of the handle used by the user when operating in the three-dimensional virtual bank space, and locating the ray extended from the handle in the three-dimensional virtual bank space based on the handle posture information and the ray algorithm. Specifically, the user action can be collected by the device handle gyroscope and converted into handle posture information. The handle posture information is based on the ray algorithm, and the 3D engine determines whether the ray extended from the current user handle intersects with the three-dimensional card model.

[0057] S4, when the ray extended from the handle intersects with the spatial position of a three-dimensional card model, if the user performs a long press operation on the handle (for example, the duration of the button press event exceeds the preset long press duration threshold, and it is considered that the user has performed a long press operation), the three-dimensional card model is determined to be the target three-dimensional card model. At this time, the target three-dimensional card model can be converted into a dynamic model and can be moved on the interface reference plane. Among them, before the long press operation ends, the positional relationship between the target three-dimensional card model and the ray extended from the handle is fixed so that the user can drag the target three-dimensional card model to move in the three-dimensional virtual bank space.

[0058] S5, before the user releases the button, that is, before the button pressing event ends, fix the positional relationship between the target three-dimensional card model and the ray extending from the handle, so that the intersection coordinates of the handle ray and the interface reference plane move with the user operation, that is, the target three-dimensional card model is in a grabbed state and moves in the three-dimensional virtual bank space as the user drags.

[0059] When the user drags the target 3D card model to move, if the target 3D card model overlaps with a certain 3D card model and the overlap degree reaches the overlap response condition, the overlapped 3D card model moves synchronously with the target 3D card model.

[0060] S6, when the user finishes dragging, that is, when the user releases the button, all three-dimensional card models in the three-dimensional virtual bank space are projected onto the screen viewport plane on the display of the virtual reality device 101 from the camera perspective. It is calculated whether the projection of the target three-dimensional card model intersects with the projections of other three-dimensional card models, and those that intersect can be considered as the three-dimensional card model of the transferred card. If the target three-dimensional card model does not intersect with any three-dimensional card model, the target three-dimensional card model moves back to its original position.

[0061] S7, if the projection of the target 3D card model in the screen viewport plane is the same as the projection of one or some 3D card models,

[0062] The account pre-check event is triggered. The check content of the pre-check event may include: after the user confirms the card, account, transfer amount and other information represented by the multiple three-dimensional card models involved, a message can be assembled in JSON format after confirmation, a request is initiated to call the account check interface, and the message is sent to the server 103 to check the account amount, etc.

[0063] S8, the server 103 receives the message, calls the account application system through RPC to obtain the basic account information, and then assembles a JSON message based on the return results of each application system and returns it to the virtual reality device 101. The virtual bank client in the virtual reality device 101 receives the message, where the message content is error information or account information (balance, status, type, etc.).

[0064] S9, if the return result of the server 103 is an error message, the virtual bank client interface may pop up a modal window to prompt that the transaction cannot be carried out and the relevant reasons.

[0065] S10, if the return result of the server 103 is successful, the virtual bank client interface pops up a transfer window (such as Figure 4 ), which displays the card number, account name, balance and other information of the transfer-in and transfer-out cards, as well as the transfer amount text box, cancel button and confirm button.

[0066] S11, the user enters the amount and clicks the confirmation button, the virtual bank client calls the local signature verification module, collects the user identity information through the iris, assembles the message and encrypts the message using the user certificate, initiates a request to call the transfer interface and sends the message to the server 103.

[0067] S12, the server 103 decrypts the received message and performs identity authentication on the user's iris information collected by the user. After the identity authentication is passed, the account check interface is called to check the card type, card status, card information, card balance, and perform anti-money laundering and anti-fraud checks. If there is any abnormality, the abnormal information is returned to the virtual bank client.

[0068] S13, if there is no abnormality, initiate the transfer process. If the transfer card is a bank card, call the bank transfer interface for processing. After success, call the account interface to record the account and return the message to the virtual bank client. If it is a bank card of another bank, call the inter-bank interface for processing. After the message is successfully returned, call the account interface to record the account and return the message to the virtual bank client.

[0069] S14, the virtual bank client updates the modal window content according to the returned message to display abnormal information or success prompt, and refreshes the bank card list to restore each 3D card model to its initial position to facilitate subsequent use by the user.

[0070] The disclosed embodiment can realize transfers through an interactive method of card stacking in a three-dimensional virtual banking space, wherein the user can quickly transfer money by stacking one card on another or multiple cards through gesture operations in the space. The interactive method is more in line with the user habits and behaviors in the three-dimensional space, is convenient and efficient, and improves the user experience.

[0071] Based on the above-mentioned various embodiments of the method for transferring money in a three-dimensional virtual bank space, the present disclosure also provides a device for transferring money in a three-dimensional virtual bank space. Figure 5 The transfer device is described in detail.

[0072] Figure 5 A block diagram of a money transfer device 500 in a three-dimensional virtual banking space according to an embodiment of the present disclosure is schematically shown.

[0073] like Figure 5 As shown, the transfer device 500 may include a display module 510, a transfer card determination module 520 and a transfer module 530. The transfer device 500 may be implemented with reference to Figure 2 to Figure 4 The described method of transferring money in a three-dimensional virtual banking space.

[0074] The display module 510 may be used to display a bank card list to the user, wherein each bank card in the bank card list is displayed as a three-dimensional card model, wherein different three-dimensional card models do not touch each other. In one embodiment, the display module 510 may perform the operation S201 described above.

[0075] The transfer-in / out card determination module 520 is used to determine that the bank card corresponding to the target three-dimensional card model is a transfer-out card and the bank card corresponding to each other three-dimensional card model is a transfer-in card when the target three-dimensional card model is superimposed with the position of at least one other three-dimensional card model and the degree of superposition reaches the superposition response condition when the user drags the target three-dimensional card model to move in the three-dimensional virtual bank space; wherein the target three-dimensional card model and the other three-dimensional card models are all three-dimensional card models in the bank card list. In one embodiment, the transfer-in / out card determination module 520 can perform the operation S202 described above.

[0076] The transfer module 530 is used to authenticate the user through iris recognition; and after the identity authentication is passed, transfer money from the transfer-out card to each transfer-in card.

[0077] According to an embodiment of the present disclosure, any multiple modules of the display module 510, the transfer card determination module 520 and the transfer module 530 can be combined into one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the display module 510, the transfer card determination module 520 and the transfer module 530 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware and firmware or in any appropriate combination of any of them. Alternatively, at least one of the display module 510, the transfer card determination module 520 and the transfer module 530 can be at least partially implemented as a computer program module, and when the computer program module is run, the corresponding function can be executed.

[0078] Figure 6 A block diagram of an electronic device suitable for implementing the method for transferring money in a three-dimensional virtual banking space according to an embodiment of the present disclosure is schematically shown.

[0079] like Figure 6As shown, the electronic device 600 according to an embodiment of the present disclosure includes a processor 601, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage part 608 into a random access memory (RAM) 603. The processor 601 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 601 may also include an onboard memory for caching purposes. The processor 601 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0080] In RAM 603, various programs and data required for the operation of electronic device 600 are stored. Processor 601, ROM 602 and RAM 603 are connected to each other via bus 604. Processor 601 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 602 and / or RAM 603. It should be noted that the program can also be stored in one or more memories other than ROM 602 and RAM 603. Processor 601 can also perform various operations of the method flow according to the embodiment of the present disclosure by executing the program stored in the one or more memories.

[0081] According to an embodiment of the present disclosure, the electronic device 600 may further include an input / output (I / O) interface 605, which is also connected to the bus 604. The electronic device 600 may further include one or more of the following components connected to the I / O interface 605: an input portion 606 including a keyboard, a mouse, etc.; an output portion 607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 608 including a hard disk, etc.; and a communication portion 609 including a network interface card such as a LAN card, a modem, etc. The communication portion 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I / O interface 605 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 610 as needed, so that a computer program read therefrom is installed into the storage portion 608 as needed.

[0082] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiment of the present disclosure is implemented.

[0083] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, may include but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, an apparatus or a device. For example, according to an embodiment of the present disclosure, a computer-readable storage medium may include the ROM 602 and / or RAM 603 described above and / or one or more memories other than ROM 602 and RAM 603.

[0084] The embodiment of the present disclosure also includes a computer program product, which includes a computer program, and the computer program contains program code for executing the method shown in the flowchart. When the computer program product is run in a computer system, the program code is used to enable the computer system to implement the method provided by the embodiment of the present disclosure.

[0085] The above functions defined in the system / device of the embodiment of the present disclosure are performed when the computer program is executed by the processor 601. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0086] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program may also be transmitted and distributed in the form of signals on a network medium, and downloaded and installed through the communication part 609, and / or installed from a removable medium 611. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0087] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 609, and / or installed from the removable medium 611. When the computer program is executed by the processor 601, the above functions defined in the system of the embodiment of the present disclosure are performed. According to the embodiment of the present disclosure, the system, device, apparatus, module, unit, etc. described above can be implemented by a computer program module.

[0088] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level process and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, Java, C++, python, "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on the remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect through the Internet).

[0089] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0090] It will be appreciated by those skilled in the art that the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways, even if such combinations and / or combinations are not explicitly described in the present disclosure. In particular, the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways without departing from the spirit and teachings of the present disclosure. All of these combinations and / or combinations fall within the scope of the present disclosure.

[0091] The embodiments of the present disclosure are described above. However, these embodiments are only for illustrative purposes and are not intended to limit the scope of the present disclosure. Although the embodiments are described above separately, this does not mean that the measures in the various embodiments cannot be used in combination to advantage. The scope of the present disclosure is defined by the attached claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art may make a variety of substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A method for transferring money in a three-dimensional virtual bank space, comprising: Displaying a bank card list to a user, wherein each bank card in the bank card list is displayed as a three-dimensional card model, wherein different three-dimensional card models do not touch each other; and When the user drags the target three-dimensional card model to move in the three-dimensional virtual bank space, if the position of the target three-dimensional card model overlaps with at least one other three-dimensional card model and the degree of overlap reaches the overlap response condition, it is determined that the bank card corresponding to the target three-dimensional card model is a transfer-out card and the bank card corresponding to each of the other three-dimensional card models is a transfer-in card; wherein the target three-dimensional card model and the other three-dimensional card models are both three-dimensional card models in the bank card list.

2. The method according to claim 1, wherein: In the one-to-one transfer mode, at least one of the other three-dimensional card models includes one of the other three-dimensional card models, wherein determining that the bank card corresponding to the target three-dimensional card model is a transfer-out card and the bank card corresponding to each of the other three-dimensional card models is a transfer-in card includes: When the user drags the target three-dimensional card model to move in the three-dimensional virtual bank space, in response to the position of the target three-dimensional card model overlapping with the other three-dimensional card models and the degree of overlapping reaches the overlapping response condition, triggering a transfer confirmation operation; Wherein, in the transfer confirmation operation, the bank card corresponding to the target three-dimensional card model is used as the transfer-out card, and the bank card corresponding to the other three-dimensional card model is used as the transfer-in card.

3. The method according to claim 1, wherein: Then, determining that the bank card corresponding to the target three-dimensional card model is a transfer-out card and the bank card corresponding to each of the other three-dimensional card models is a transfer-in card includes: When the user drags the target three-dimensional card model to move in the three-dimensional virtual bank space, in response to the position of the target three-dimensional card model overlapping with each of the other three-dimensional card models and the degree of overlapping reaches the overlapping response condition, changing the display state of each of the other three-dimensional card models; and When the user finishes dragging the target 3D card model, it is determined that the bank card corresponding to the target 3D card model is a transfer-out card, and it is determined that the bank cards corresponding to all other 3D card models that have changed display states are transfer-in cards.

4. The method according to claim 1, wherein: The step of determining that the bank card corresponding to the target three-dimensional card model is a transfer-out card and the bank card corresponding to each of the other three-dimensional card models is a transfer-in card comprises: When the user drags the target three-dimensional card model to move in the three-dimensional virtual bank space, in response to the position of the target three-dimensional card model overlapping with the other three-dimensional card models and the degree of overlapping reaches the overlapping response condition, setting the other three-dimensional card models to follow the target three-dimensional card model to move synchronously in the three-dimensional virtual bank space; When the user finishes dragging the target 3D card model, the bank card corresponding to the target 3D card model is determined to be a transfer-out card, and the bank cards corresponding to all other 3D card models that move synchronously with the target 3D card model are determined to be transfer-in cards.

5. The method according to claim 4, wherein: The step of determining that the bank card corresponding to the target three-dimensional card model is a transfer-out card and the bank card corresponding to each of the other three-dimensional card models is a transfer-in card comprises: Projecting all three-dimensional card models in the three-dimensional virtual bank space onto a screen viewport plane of a device used to render the three-dimensional virtual bank space; It is determined that all bank cards corresponding to the three-dimensional card models on the screen viewport that intersect with the projection of the target three-dimensional card model are transfer-in cards.

6. The method according to claim 4, wherein: The method further comprises: After the transfer between the transfer-out card and all the transfer-in cards is completed, the bank card list is refreshed so that the target three-dimensional card model and the other three-dimensional card models are restored to their initial positions in the bank card list.

7. The method according to claim 1, wherein: The method further comprises: Authenticating the user through iris recognition; and After the identity authentication is passed, the money is transferred from the transfer-out card to each of the transfer-in cards.

8. The method according to claim 1, wherein: The method further comprises: Collecting handle posture information of a handle used by a user when operating in the three-dimensional virtual bank space; Based on the handle posture information and the ray algorithm, locating the ray extending from the handle in the three-dimensional virtual bank space; In a case where the ray extending from the handle intersects with the spatial position of a three-dimensional card model, if the user performs a long press operation on the handle, determining the three-dimensional card model as the target three-dimensional card model; and Before the long press operation ends, the positional relationship between the target three-dimensional card model and the ray extending from the handle is fixed so that the user can drag the target three-dimensional card model to move in the three-dimensional virtual bank space.

9. The method according to claim 1, wherein: The overlay response condition includes that the projection overlap area of ​​two three-dimensional card models in an interface reference plane preset in the three-dimensional virtual bank card space exceeds a threshold range, wherein the interface reference plane is parallel to the screen viewport plane of the device rendering the three-dimensional virtual bank space.

10. A device for transferring money in a three-dimensional virtual banking space, wherein: The transfer device comprises: a display module, used to display a bank card list to a user, wherein each bank card in the bank card list is displayed as a three-dimensional card model, wherein different three-dimensional card models do not touch each other; and The transfer-in and transfer-out card determination module is used to determine that the bank card corresponding to the target three-dimensional card model is a transfer-out card and the bank card corresponding to each of the other three-dimensional card models is a transfer-in card when the user drags the target three-dimensional card model to move in the three-dimensional virtual bank space, if the position of the target three-dimensional card model overlaps with that of at least one other three-dimensional card model and the degree of overlap reaches an overlap response condition; wherein the target three-dimensional card model and the other three-dimensional card models are both three-dimensional card models in the bank card list.

11. An electronic device, comprising: one or more processors; a memory for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors execute the method according to any one of claims 1 to 9.

12. A computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the method according to any one of claims 1 to 9.

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