Transfer method and device, storage medium and program product

Abstract

The invention discloses an account transfer method and device, a storage medium and a program product. The method comprises the following steps: in response to a transfer request of a target object, starting multimedia equipment to carry out data acquisition to obtain transfer preparation data; verifying data in the account transfer preparation data to obtain a verification result; and under the condition that the verification result indicates that the data in the account transfer preparation data is compliant and valid, splicing the account transfer data in the account transfer preparation data, inputting the spliced account transfer data into a target language model, and outputting target multimedia data, the target multimedia data is used for determining whether transfer data required by the transfer operation is accurate or not and whether transfer amount is agreed to be transferred into a target account or not for the target object; and after the target object determines that the transfer data required by the transfer operation is accurate and agrees to transfer, transferring the transfer amount to the target account. The problem that due to the fact that the transfer operation process is complex, the experience feeling of old people for handling the transfer service is poor is solved.

Description

Technical Field

[0001] The present application relates to the field of artificial intelligence, and more specifically, to a method, device, storage medium and program product for transferring money. Background Art

[0002] At present, many elderly people are accustomed to traditional financial methods, such as going to the counter of a financial institution to handle business. However, for using mobile phones to complete financial activities, the existing online banking transfer method requires finding the transfer menu entrance on the online banking interface and entering the transfer bank card number, password, amount, verification code, etc. before the transfer can be made. The operation is complicated for the elderly and difficult to understand and master.

[0003] Since many elderly people do not have sufficient knowledge of digital security, they are vulnerable to cyber threats such as information leakage, which leads to financial information leakage. In addition, some elderly people lack relevant training on using mobile phones to complete financial activities, do not know how to use them, and cannot solve problems encountered during use. Some financial institutions also do not provide financial services specifically for the elderly.

[0004] Currently, no effective solution has been proposed to address the problem that the transfer operation process in relevant technologies is complicated, resulting in a poor experience for the elderly in handling transfer transactions. Summary of the invention

[0005] The main purpose of this application is to provide a transfer method, device, storage medium and program product to solve the problem that the transfer operation process in the related technology is complicated, resulting in a poor experience for the elderly in handling transfer services.

[0006] In order to achieve the above objective, according to one aspect of the present application, a transfer method is provided. The method comprises: responding to a transfer request of a target object, starting a multimedia device to collect data, and obtaining transfer preparation data, wherein the multimedia device comprises at least one of the following: an image collection device, a sound collection device, and the transfer preparation data comprises at least one of the following: biometric data of the target object, and transfer data required for the target object to perform a transfer operation; verifying the data in the transfer preparation data to obtain a verification result, wherein the verification result is used to indicate whether the data in the transfer preparation data is compliant and valid; if the verification result indicates that the data in the transfer preparation data is compliant and valid, splicing the transfer data in the transfer preparation data to obtain spliced ​​transfer data, and inputting the spliced ​​transfer data into a target language model, and outputting target multimedia data, wherein the target multimedia data is used to determine to the target object whether the transfer data required for the transfer operation is accurate and whether the target object agrees to transfer the transfer amount to a target account, and the model type of the target language model comprises: a pre-trained multimodal large model; after the target object determines that the transfer data required for the transfer operation is accurate and agrees to transfer, the transfer amount is transferred to the target account.

[0007] Furthermore, starting the multimedia device to collect data to obtain transfer preparation data includes: starting the image acquisition device to collect facial features of the target object to obtain biometric data of the target object; obtaining the collection strategy selected by the target object, and based on the collection strategy, collecting the transfer data required for the transfer operation, wherein the collection strategy is used to instruct the multimedia device to collect data; and obtaining the transfer preparation data based on the biometric data and the transfer data.

[0008] Further, based on the collection strategy, the transfer data required for the transfer operation is collected, including: when the collection strategy indicates that the multimedia device for collecting data is the sound collection device, starting the sound collection device to collect the sound emitted by the target object to obtain the transfer data required for the transfer operation; or, when the collection strategy indicates that the multimedia device for collecting data is the image collection device, using the image collection device to collect the transfer data displayed by the target object to obtain the transfer data required for the transfer operation, wherein the way in which the target object displays the transfer data includes: displaying it using paper with the transfer data recorded on it.

[0009] Furthermore, the transfer data in the transfer preparation data are spliced ​​to obtain the spliced ​​transfer data, including: matching the transfer data in the transfer preparation data with N preset word slots to obtain a matching result, where N is a positive integer; based on the matching result, adding the transfer data in the transfer preparation data to the N preset word slots to obtain an adding result, and determining the spliced ​​transfer data based on the adding result.

[0010] Furthermore, the transfer data in the transfer preparation data is matched with N preset word slots to obtain a matching result, including: when the transfer data in the transfer preparation data includes audio data, converting the audio data in the transfer preparation data into text to obtain converted transfer data; matching the converted transfer data with N preset word slots to obtain the matching result.

[0011] Furthermore, before starting the multimedia device to collect data and obtain the transfer preparation data, it also includes: after the target object starts the target client, obtaining first multimedia data, and playing the first multimedia data, wherein the first multimedia data is used to determine the financial services required by the target object to the target object, and the data type of the first multimedia data includes at least one of the following: text, video, and voice; when the financial service required by the target object is a transfer service, obtaining the device identification of the mobile device used by the target object and the device address of the mobile device used by the target object; based on the device identification and the device address, generating the transfer request.

[0012] Furthermore, after transferring the transfer amount to the target account, the method further includes: acquiring second multimedia data and playing the second multimedia data, wherein the second multimedia data is used to determine the target object's satisfaction with the transfer operation.

[0013] Furthermore, before starting the multimedia device to collect data and obtain the transfer preparation data, it also includes: obtaining the load condition of the target service cluster, wherein the target service cluster includes M servers, and the M servers are used to provide transfer services for users, and M is a positive integer; based on the load condition, selecting S servers in the target service cluster, wherein the S servers are used to complete the transfer operation, and S is a positive integer less than M.

[0014] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a transfer device is provided. The device includes: a collection unit, which is used to respond to the transfer request of the target object, start the multimedia device to collect data, and obtain the transfer preparation data, wherein the multimedia device includes at least one of the following: an image collection device, a sound collection device, and the transfer preparation data includes at least one of the following: the biometric data of the target object, and the transfer data required for the target object to perform the transfer operation; a verification unit, which is used to verify the data in the transfer preparation data and obtain a verification result, wherein the verification result is used to indicate whether the data in the transfer preparation data is compliant and valid; a processing unit, which is used to indicate the transfer preparation data in the verification result. When the data in the transfer preparation data is compliant and valid, the transfer data in the transfer preparation data is spliced ​​to obtain the spliced ​​transfer data, and the spliced ​​transfer data is input into the target language model to output target multimedia data, wherein the target multimedia data is used to determine to the target object whether the transfer data required for the transfer operation is accurate and whether the target object agrees to transfer the transfer amount to the target account, and the model types of the target language model include: a pre-trained multimodal large model; a transfer unit, which is used to transfer the transfer amount to the target account after the target object determines that the transfer data required for the transfer operation is accurate and agrees to the transfer.

[0015] Furthermore, the acquisition unit includes: an acquisition subunit, used to start the image acquisition device to acquire the facial features of the target object to obtain the biometric data of the target object; a first processing subunit, used to obtain the acquisition strategy selected by the target object, and based on the acquisition strategy, to acquire the transfer data required for the transfer operation, wherein the acquisition strategy is used to instruct the multimedia device to collect data; a second processing subunit, used to obtain the transfer preparation data based on the biometric data and the transfer data.

[0016] Further, the first processing subunit includes: a processing module, which is used to start the sound collection device to collect the sound emitted by the target object when the collection strategy indicates that the multimedia device for collecting data is the sound collection device, so as to obtain the transfer data required for the transfer operation; or, when the collection strategy indicates that the multimedia device for collecting data is the image collection device, use the image collection device to collect the transfer data displayed by the target object to obtain the transfer data required for the transfer operation, wherein the way in which the target object displays the transfer data includes: displaying it using a paper with the transfer data recorded on it.

[0017] Furthermore, the processing unit includes: a matching subunit, used to match the transfer data in the transfer preparation data with N preset word slots to obtain a matching result, where N is a positive integer; an adding subunit, used to add the transfer data in the transfer preparation data to the N preset word slots based on the matching result to obtain an adding result, and determine the spliced ​​transfer data based on the adding result.

[0018] Furthermore, the matching subunit includes: a conversion module, which is used to convert the audio data in the transfer preparation data into text when the transfer data in the transfer preparation data includes audio data, so as to obtain the converted transfer data; and a matching module, which is used to match the converted transfer data with N preset word slots to obtain the matching result.

[0019] Furthermore, the transfer device also includes: a first acquisition unit, used to acquire first multimedia data and play the first multimedia data after the target object starts the target client before starting the multimedia device to collect data and obtain the transfer preparation data, wherein the first multimedia data is used to determine the financial services required by the target object to the target object, and the data type of the first multimedia data includes at least one of the following: text, video and voice; a second acquisition unit, used to acquire the device identification of the mobile device used by the target object and the device address of the mobile device used by the target object when the financial service required by the target object is a transfer service; a generation unit, used to generate the transfer request based on the device identification and the device address.

[0020] Furthermore, the transfer device also includes: a third acquisition unit, which is used to acquire second multimedia data and play the second multimedia data after transferring the transfer amount to the target account, wherein the second multimedia data is used to determine the target object's satisfaction with the transfer operation.

[0021] Furthermore, the transfer device also includes: a fourth acquisition unit, used to obtain the load condition of the target service cluster before starting the multimedia device to collect data and obtain the transfer preparation data, wherein the target service cluster includes M servers, and the M servers are used to provide transfer services to users, and M is a positive integer; a selection unit, used to select S servers in the target service cluster based on the load condition, wherein the S servers are used to complete the transfer operation, and S is a positive integer less than M.

[0022] According to another aspect of the present application, a computer-readable storage medium is provided, wherein the computer-readable storage medium includes a stored executable program, wherein when the executable program is run, the device where the computer-readable storage medium is located is controlled to execute the transfer method.

[0023] According to another aspect of the present application, an electronic device is provided, comprising: a memory storing an executable program; and a processor for running the program, wherein the transfer method is executed when the program is running.

[0024] According to another aspect of the present application, a computer program product is provided, comprising computer instructions, wherein the computer instructions implement the steps of the transfer method when executed by a processor.

[0025] In an embodiment of the present application, in response to a transfer request from a target object, a multimedia device is started to collect data to obtain transfer preparation data, wherein the multimedia device includes at least one of the following: an image collection device, a sound collection device, and the transfer preparation data includes at least one of the following: biometric data of the target object, and transfer data required for the target object to perform a transfer operation; the data in the transfer preparation data is verified to obtain a verification result, wherein the verification result is used to indicate whether the data in the transfer preparation data is compliant and valid; if the verification result indicates that the data in the transfer preparation data is compliant and valid, the transfer preparation data in the transfer preparation data is verified. The data is spliced ​​to obtain the spliced ​​transfer data, and the spliced ​​transfer data is input into the target language model, and the target multimedia data is output, wherein the target multimedia data is used to determine whether the transfer data required for the transfer operation is accurate and whether the target object agrees to transfer the transfer amount to the target account, and the model type of the target language model includes: a pre-trained multimodal large model; after the target object determines that the transfer data required for the transfer operation is accurate and agrees to the transfer, the transfer amount is transferred to the target account, thereby solving the technical problem that the transfer operation process is complicated in the related technology, resulting in poor experience of the elderly in handling the transfer business. In the present invention, the transfer data is collected by multimedia equipment, and multimedia data is generated by the multimodal large model to interact with the user, so as to achieve the technical effect of reducing the complexity of the transfer operation process so as to improve the experience of the elderly in transferring. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] The drawings constituting a part of the present application are used to provide a further understanding of the present application. The illustrative embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0027] Figure 1 A hardware structure block diagram of a computer terminal for implementing a transfer method is shown;

[0028] Figure 2 is a flow chart of a transfer method provided according to an embodiment of the present application;

[0029] Figure 3 is a flow chart of a transfer operation provided according to an embodiment of the present application;

[0030] Figure 4 is a schematic diagram of a transfer device provided according to an embodiment of the present application;

[0031] Figure 5 It is a structural block diagram of an electronic device according to an embodiment of the present application. DETAILED DESCRIPTION

[0032] In order to enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this application.

[0033] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application 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 interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising 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 devices.

[0034] It should be noted that the collected information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this application are 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 are in compliance with relevant laws, regulations and standards, necessary confidentiality measures are taken, and public order and good customs are not violated, and corresponding operation entrances are provided for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or institutions to provide users with corresponding operation entrances for users to choose to agree or refuse the results of automated decision-making; if the user chooses to refuse, the expert decision-making process will be entered.

[0035] Embodiment 1

[0036] According to an embodiment of the present application, a method embodiment of a transfer method is also provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0037] The method embodiment provided in the first embodiment of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1 The hardware structure block diagram of a computer terminal (or mobile device) for implementing the transfer method is shown. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more (shown as 102a, 102b, ..., 102n in the figure) processors 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera. It can be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations shown.

[0038] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuits". The data processing circuits may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuit may be a single independent processing module, or may be incorporated in whole or in part into any of the other components in the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0039] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the transfer method in the embodiment of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, realizing the above-mentioned transfer method. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories may be connected to the computer terminal 10 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0040] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0041] The display may be, for example, a touch screen liquid crystal display (LCD), which may enable a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0042] Under the above operating environment, this application provides Figure 2 Transfer method shown. Figure 2 It is a flow chart of the transfer method according to the first embodiment of the present application.

[0043] Step S201, responding to the transfer request of the target object, starting the multimedia device to collect data and obtaining transfer preparation data, wherein the multimedia device includes at least one of the following: an image collection device, a sound collection device, and the transfer preparation data includes at least one of the following: biometric data of the target object, and transfer data required by the target object to perform the transfer operation.

[0044] The above-mentioned target objects may include but are not limited to: the elderly. The above-mentioned transfer preparation data may record the data required for the target object to transfer money to the target account (the account to which the amount is transferred), and may also include biometric data (for example, facial features) for identity authentication of the target object. The above-mentioned transfer preparation data may include but are not limited to: the target object's user name, user password, user account, account password, target account (account to be transferred) and transfer amount, etc.

[0045] An optional target system (i.e., a system with a transfer function of a financial institution) can serve as the executor of this embodiment. The target system may include: a client, a service control terminal, and a target service cluster. The client can be deployed in a mobile device for interacting with users (e.g., the elderly). The service control terminal is used to comprehensively control the client and the target service cluster. The target service cluster may include multiple servers for implementing specific operations of financial services (e.g., transfers).

[0046] The above-mentioned transfer request can be a request for initiating a transfer. The above-mentioned transfer request can be initiated at the client of the target system, and then the service control end can select at least one server in the target service cluster to respond according to the load of the server of the target system to complete the transfer operation. When the server responds, it can first send a startup instruction of the multimedia device to the client, and then start the multimedia device deployed on the client to facilitate data collection and obtain transfer preparation data.

[0047] It should be noted that when starting a multimedia device to collect data, the collection can be carried out in an interactive manner with the target object. For example, multimedia data (for example, video (which may have text subtitles and sound), voice, etc.) can be played to send prompt information to the target object, prompting the target object to enter the transfer data required for the transfer operation, and then after the target object displays through actions, voice or images (for example, an image of a paper containing transfer data), the multimedia device is used to collect data to obtain the transfer data in the transfer preparation data.

[0048] Step S202, verifying the data in the transfer preparation data to obtain a verification result, wherein the verification result is used to indicate whether the data in the transfer preparation data is compliant and valid.

[0049] In this embodiment, in order to improve the security and accuracy of the transfer operation, the data of the transfer preparation data can also be verified. For example, based on the biometric data of the target object and the account number in the transfer data, it can be verified whether the target object is the person himself. It can also be verified whether the input password is correct and whether the format of the target account to be transferred meets the preset requirements, etc., to obtain the above-mentioned verification results.

[0050] For example, the server control end can strictly verify and parse the transfer request and transfer data sent by the client. For example, the request message sent by the client contains the IP address, machine MAC code, user information, account number, verification code, encrypted user machine fingerprint information, etc., and can perform strict public and private key encryption and decryption comparison verification and user information disassembly to parse out the corresponding user information fields (such as user name, user password, account password, account operation request, etc.) to ensure the legitimacy and validity of the request. At the same time, the server control end can also encrypt and sign the generated transfer process service preparation data (corresponding to the transfer preparation data) to prevent the data from being tampered with or forged. The entire transfer service process may also need to consider technical details such as concurrency, load balancing, and exception handling. For example, the transfer service process may only allow one machine terminal to connect to the server of the financial institution for the same user at the same time period, otherwise an abnormal login information reminder will be issued. For example, multiple users transferring money can be sent to the main node of the transfer server first, and then distributed to the sub-nodes for concurrent processing; the transfer service main node server performs load balancing and evenly distributes the transfer process tasks to the sub-node servers of the transfer task processing cluster, etc.; to ensure the reliability and stability of the service.

[0051] Step S203, when the verification result indicates that the data in the transfer preparation data is compliant and valid, the transfer data in the transfer preparation data is spliced ​​to obtain the spliced ​​transfer data, and the spliced ​​transfer data is input into the target language model, and target multimedia data is output, wherein the target multimedia data is used to determine to the target object whether the transfer data required for the transfer operation is accurate and whether the target object agrees to transfer the transfer amount to the target account, and the model type of the target language model includes: a pre-trained multimodal large model.

[0052] In this embodiment, when the verification result indicates that the data in the transfer preparation data is compliant and valid, in order to ensure the processing efficiency of the target system in processing the transfer operation, the transfer data in the transfer preparation data can also be spliced ​​to obtain the spliced ​​transfer data, so that the transfer preparation data meets the preset format requirements.

[0053] The target account mentioned above can be a transfer-in account for the target object to perform a transfer operation. The target multimedia data mentioned above can be used to determine whether the transfer data required for the transfer operation is accurate and whether the target object agrees to transfer the transfer amount to the target account. The data types of the target multimedia data can include: video (which can have subtitles and sound), text, voice, etc. In order to facilitate the elderly to perform the transfer operation, the spliced ​​transfer data can also be input into the target language model, and the target multimedia data can be output, so as to use a method that is easy for the elderly to understand to confirm whether the transfer data is accurate and whether they agree to transfer to the target account. After watching the target multimedia data, the target object can reply by action (such as nodding or shaking the head) or voice reply or typing. The target object's reply can also be collected by multimedia equipment. After collection, the target system comprehensively judges whether the target object confirms that the transfer data is accurate and whether it agrees to transfer to the target account. For example, the target object nodding can indicate that the transfer data is accurate and agrees to transfer to the target account.

[0054] For example, in this embodiment, the target system can start the speech robot to access the client session, and the multimodal large model interface can be started in the speech robot process, and the transfer process service preparation data (corresponding to the transfer preparation data) is input into the multimodal large model (corresponding to the target language model) to generate digital human video data (corresponding to the target multimedia data). The video data can be played through the client video plug-in for user confirmation. After the user nods, the client plug-in can recognize and record and save it, and then send it to the server (for example, the target service cluster): When the user (corresponding to the target object) sees the transfer confirmation information, if he agrees to the transfer, he can nod to confirm. The client plug-in will recognize the user's nodding action, then record and save it, and send the video to the server. The whole process realizes the capture of user images, the capture of sounds, the recognition of information and the completion of transfer services through multimodal interaction, which improves the user's experience.

[0055] The above-mentioned multimodal large model is an artificial intelligence model that can process multiple types of data. It can process data of multiple modes such as text, image, and voice at the same time, and conduct comprehensive analysis and processing on this basis. In specific applications, the model can generate digital human video data by learning and processing the input data. This process can include multiple links, among which the most important is the processing of input data and the training of the model. First, a large amount of data can be pre-processed to extract useful feature information, such as extracting the language information corresponding to the mouth shape of the video character, such as the key feature information such as the account information + amount + target account of the transfer, and then train the model through the deep learning algorithm so that it can accurately understand and process the input data. During the training process, a large amount of data can be used to iteratively optimize the model so that it can gradually improve the processing ability and accuracy of the input data. At the same time, in order to ensure the generalization ability of the model, the model can also be regularized to avoid the occurrence of overfitting. In the process of generating digital human video data, the trained multimodal large model can be combined with the video generation technology to generate video data that meets the requirements by processing the input data. In this process, a large amount of computing resources and optimization algorithms can be used to ensure the quality and efficiency of the generated video data. That is, the multimodal large model can combine cutting-edge technologies in multiple fields such as deep learning, computer vision, and natural language processing to achieve its functions.

[0056] Step S204: After the target object determines that the transfer data required for the transfer operation is accurate and agrees to the transfer, the transfer amount is transferred to the target account.

[0057] In this embodiment, after the target object determines that the transfer data required for the transfer operation is accurate and agrees to the transfer, the target system can transfer the transfer amount from the target object's account to the target account to complete the transfer operation.

[0058] Through the above steps, in this embodiment, the transfer data is collected by using multimedia devices, and multimedia data is generated by a multimodal large model to interact with the user, thereby achieving the technical effect of reducing the complexity of the transfer operation process to improve the experience of the elderly in transferring money. This solves the technical problem in the related art that the transfer operation process is complicated, resulting in a poor experience for the elderly in handling transfer services.

[0059] Figure 3 is a flow chart of a transfer operation provided according to an embodiment of the present application, such as Figure 3 As shown, it includes: obtaining transfer requests, generating preliminary data for the transfer process, generating real-time video interactions, and completing the transfer process and business questions and answers.

[0060] Optionally, in the transfer method provided in the embodiment of the present application, starting a multimedia device to collect data to obtain transfer preparation data, including: starting an image acquisition device to collect facial features of a target object to obtain biometric data of the target object; obtaining a collection strategy selected by the target object, and based on the collection strategy, collecting transfer data required for the transfer operation, wherein the collection strategy is used to instruct the multimedia device to collect data; and obtaining transfer preparation data based on the biometric data and the transfer data.

[0061] The above-mentioned image acquisition device may include but is not limited to: a camera. In this embodiment, the image acquisition device may be activated to acquire facial features of the target object, and then obtain biometric data of the target object to facilitate identity authentication of the target object.

[0062] For example, in this embodiment, the client camera (image acquisition device) can be started to obtain the user's screen: after the user starts the client of the target system, the client can automatically start the camera to capture the user's real-time screen. This screen can include both the user's head portrait and the user's mouth shape. The camera obtains the user's head portrait and mouth shape: the user's head portrait and mouth shape are captured by the camera for identity verification.

[0063] In an optional example, in order to facilitate the target object to flexibly select a suitable data input method according to its own situation, the target object can also select a method for collecting transfer data. In this embodiment, the target object can be interacted with by playing a preset video through a speech robot, and the target object can be asked about the required collection strategy. For example, the target object can select an image acquisition device for data collection, or a sound acquisition device for data collection. In this embodiment, the collected biometric data and transfer data can form the transfer preparation data, avoiding the need to manually input transfer data in the prior art, which is difficult for the elderly to complete, and achieving the technical effect of reducing the complexity of transfer data input.

[0064] Optionally, in the transfer method provided in the embodiment of the present application, based on the collection strategy, the transfer data required for the transfer operation is collected, including: when the collection strategy indicates that the multimedia device for collecting data is a sound collection device, starting the sound collection device to collect the sound emitted by the target object to obtain the transfer data required for the transfer operation; or, when the collection strategy indicates that the multimedia device for collecting data is an image collection device, using the image collection device to collect the transfer data displayed by the target object to obtain the transfer data required for the transfer operation, wherein the way in which the target object displays the transfer data includes: displaying it using paper with the transfer data recorded on it.

[0065] In this embodiment, the user's voice (ie, the target object's voice) may also be acquired through a sound collection device (eg, a microphone), and the voice may also be recognized into text using a voice recognition technology through a client plug-in.

[0066] In an optional example, in the process of transferring service, when the user (corresponding to the target object) inputs data, an interactive method can be used to allow the user to choose voice input or image recognition input. Specifically, in the process of transferring service, if the user needs to input information, the client can provide two options, one is voice input, which collects data through a sound acquisition device (e.g., a microphone). The other is image recognition input, which collects data through an image acquisition device (e.g., a camera). The text or numbers on the paper displayed by the user can be recognized in real time in the video frame. For example, if the user chooses image recognition input, the client can recognize the text or numbers on the paper displayed by the user in real time in the video frame, thereby obtaining the transfer data required for the transfer operation, thereby achieving the technical effect of reducing the complexity of inputting transfer data.

[0067] Optionally, in the transfer method provided in an embodiment of the present application, the transfer data in the transfer preparation data is spliced ​​to obtain the spliced ​​transfer data, including: matching the transfer data in the transfer preparation data with N preset word slots to obtain a matching result, where N is a positive integer; based on the matching result, adding the transfer data in the transfer preparation data to the N preset word slots to obtain an adding result, and determining the spliced ​​transfer data based on the adding result.

[0068] In this embodiment, the transfer service process preparation data (transfer preparation data) can also be transmitted to the server side to perform segmented splicing of the transfer service process preparation data. For example, the user name + user transfer account information + user login information + user initiated account operation request type and other preparation data are segmented and spliced ​​together to obtain the spliced ​​transfer data, so as to facilitate the input of the transfer data into the multimodal large model (corresponding to the target language model).

[0069] For example, the recognized text and user screen can be transmitted to the server, and the server can prepare the transfer service process based on these data. During the preparation process, the transfer data can be spliced ​​in segments to obtain the spliced ​​transfer data. The spliced ​​transfer data can be input into a multimodal large model (corresponding to the target language model) to output text + video animation data. Specifically, the large model can output text and video animation data (corresponding to the target multimedia data) after processing. These data can be transmitted back to the client, and the client plug-in plays the video animation + text subtitles + text voice in real time. That is, during the transfer interface call process, the video will provide subtitle information and voice information, which can facilitate user transfer confirmation.

[0070] In an optional example, the transfer data can be input into the speech robot to obtain pre-configured word slots. Specifically, the recognized text or numbers will be input into the speech robot. The robot can obtain the user input data according to the pre-configured word slots, for example, the user account number account1, the user account password login1 and other word slots, and then execute the splicing command to call the transfer interface. For example, the splicing command "from account1 to account2 login1amount xxx" can then call up the transfer interface to complete the splicing and obtain the spliced ​​transfer data, thereby adjusting the transfer data so that the multimodal large model can accurately generate the target multimedia data.

[0071] Optionally, in the transfer method provided in the embodiment of the present application, the transfer data in the transfer preparation data is matched with N preset word slots to obtain a matching result, including: when the transfer data in the transfer preparation data includes audio data, converting the audio data in the transfer preparation data into text to obtain converted transfer data; matching the converted transfer data with N preset word slots to obtain a matching result.

[0072] In this embodiment, when the transfer data in the transfer preparation data includes audio data, the audio data in the transfer preparation data can be converted into text using speech recognition technology to obtain the converted transfer data.

[0073] The above-mentioned preset word slots may include but are not limited to word slots such as user account number account1, user account password login1, etc., and then the converted transfer data can be matched with N preset word slots according to the semantics of the converted transfer data and the semantics of each preset word slot to obtain a matching result. For example, the account number of the target object in the converted data can be successfully matched with the user account number account1, thereby achieving the technical effect of accurately identifying the transfer data and facilitating improving the accuracy of the transfer operation.

[0074] Optionally, in the transfer method provided in the embodiment of the present application, before starting the multimedia device to collect data and obtain transfer preparation data, it also includes: after the target object starts the target client, obtaining first multimedia data, and playing the first multimedia data, wherein the first multimedia data is used to determine the financial services required by the target object to the target object, and the data type of the first multimedia data includes at least one of the following: text, video, and voice; when the financial service required by the target object is a transfer service, obtaining a device identifier of a mobile device used by the target object and a device address of the mobile device used by the target object; based on the device identifier and the device address, generating a transfer request.

[0075] The above-mentioned first multimedia data can be used to determine the financial services required by the target object. The first multimedia data may include text, video (which may carry subtitles and sound) and voice. The first multimedia data may include selection prompts for several common financial services to avoid a situation where there are too many service types that are difficult for the elderly to understand.

[0076] In this embodiment, after the target object starts the target client, the first multimedia data pre-set in the target system can be read and played to provide information on financial services to the elderly, making it easier for the elderly to choose. When the elderly choose financial services, they can interact with the client through actions (nodding or shaking their heads), voice, and text, and the client can collect information through multimedia devices.

[0077] When the financial service required by the target object is a transfer service, obtain the device identification of the mobile device used by the target object and the device address of the mobile device used by the target object; based on the device identification and the device address, generate a transfer request so that the service control end of the target system selects a server to perform the transfer operation.

[0078] In an optional example, it is possible to determine whether there is an abnormal login based on the device identifier and device address in the transfer request. Specifically, in order to improve the reliability of the transfer process, only one machine terminal is allowed to connect to the server for the same user at the same time period, otherwise an abnormal login information reminder will be displayed, thereby achieving the technical effect of improving the reliability and security of the transfer process.

[0079] Optionally, in the transfer method provided in the embodiment of the present application, after the transfer amount involved in the transfer operation is transferred to the target account, it also includes: obtaining second multimedia data and playing the second multimedia data, wherein the second multimedia data is used to determine the target object's satisfaction with the transfer operation.

[0080] In this embodiment, after the server of the target system completes the confirmation, it completes the transfer operation process and finally returns a success message to the speech robot. The speech robot then proceeds to the next process, namely the closing process, splices the closing data to the multimodal large model to generate closing video data and sends it to the client plug-in to play the closing animation and voice subtitles. The closing video data may include prompts for satisfaction evaluation. Finally, the video screen is closed and the user (target object) clicks on the satisfaction evaluation to determine the target object's satisfaction with the transfer operation, thereby achieving the technical effect of timely collecting customer feedback.

[0081] Optionally, in the transfer method provided in the embodiment of the present application, before starting the multimedia device to collect data and obtain the transfer preparation data, it also includes: obtaining the load condition of the target service cluster, wherein the target service cluster includes M servers, and the M servers are used to provide transfer services to users, and M is a positive integer; based on the load condition, selecting S servers in the target service cluster, wherein the S servers are used to complete the transfer operation, and S is a positive integer less than M.

[0082] In this embodiment, the service control end of the target system can receive the transfer request sent by the client, and parse and verify the request. If the request is legal and valid, the server control end can start the speech robot and perform the next operation. Specifically, the server can be assigned to perform the transfer service process: the server control end can select one or more available servers according to the load of the server of the current target service cluster, and assign the transfer request to these servers (i.e., S servers) for processing. These servers can execute the transfer service process and complete the transfer operation, thereby achieving the technical effect of improving the accuracy of the transfer service process.

[0083] In this embodiment, after receiving the transfer information, the speech robot can start command generation. The speech robot is a component of the server master control end, and can automatically generate corresponding transfer process service preparation data (i.e., transfer preparation data) according to the transfer data input by the user, and start the corresponding command to complete the operation of the transfer service process. Among them, the transfer process service preparation data is an important data generated by the server master control end, which can include all necessary information of the transfer request and the parameters and instructions required for the server to perform the transfer operation. The transfer process service preparation data can be sent to the server that performs the transfer operation to guide the completion of the transfer service.

[0084] In this embodiment, through video interaction, an almost identical experience is achieved for the elderly in handling financial services at home through mobile devices and offline at outlets. The automatic generation and recognition of transfer processes by the speech robot simplifies the learning steps for the elderly to switch from handling services at offline outlets to remote online handling. Through large model technology, the elderly who are accustomed to offline interactive experiences can seamlessly connect to online interactions, thereby enhancing the interactivity of remote handling of financial services.

[0085] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0086] Embodiment 2

[0087] The embodiment of the present application also provides a transfer device. It should be noted that the transfer device of the embodiment of the present application can be used to execute the method for transferring provided in the embodiment of the present application. The transfer device provided in the embodiment of the present application is introduced below.

[0088] According to an embodiment of the present application, a device for implementing the above transfer method is also provided, such as Figure 4 As shown, the device includes: a collection unit 41, a verification unit 42, a processing unit 43 and a transfer unit 44.

[0089] The collection unit 41 is used to respond to the transfer request of the target object, start the multimedia device to collect data, and obtain the transfer preparation data, wherein the multimedia device includes at least one of the following: an image collection device, a sound collection device, and the transfer preparation data includes at least one of the following: biometric data of the target object, and transfer data required by the target object to perform the transfer operation;

[0090] A verification unit 42, used to verify the data in the transfer preparation data to obtain a verification result, wherein the verification result is used to indicate whether the data in the transfer preparation data is compliant and valid;

[0091] The processing unit 43 is used to, when the verification result indicates that the data in the transfer preparation data is compliant and valid, splice the transfer data in the transfer preparation data to obtain the spliced ​​transfer data, input the spliced ​​transfer data into the target language model, and output target multimedia data, wherein the target multimedia data is used to determine to the target object whether the transfer data required for the transfer operation is accurate and whether the target object agrees to transfer the transfer amount to the target account, and the model type of the target language model includes: a pre-trained multimodal large model;

[0092] The transfer unit 44 is used to transfer the transfer amount to the target account after the target object determines that the transfer data required for the transfer operation is accurate and agrees to the transfer.

[0093] In the transfer device provided in the embodiment of the present application, a collection unit 41 can be used to respond to the transfer request of the target object, start the multimedia device to collect data, and obtain the transfer preparation data, wherein the multimedia device includes at least one of the following: an image collection device, a sound collection device, and the transfer preparation data includes at least one of the following: biometric data of the target object, and transfer data required for the target object to perform the transfer operation; a verification unit 42 is used to verify the data in the transfer preparation data to obtain a verification result, wherein the verification result is used to indicate whether the data in the transfer preparation data is compliant and valid; a processing unit 43 is used to process the data in the verification result. If the data in the transfer preparation data is compliant and valid, the transfer data in the transfer preparation data is spliced ​​to obtain the spliced ​​transfer data, and the spliced ​​transfer data is input into the target language model, and the target multimedia data is output, wherein the target multimedia data is used to determine whether the transfer data required for the transfer operation is accurate and whether the target object agrees to transfer the transfer amount to the target account, and the model type of the target language model includes: a pre-trained multimodal large model; a transfer unit 44, which is used to transfer the transfer amount to the target account after the target object determines that the transfer data required for the transfer operation is accurate and agrees to the transfer. Thus, the technical problem that the transfer operation process is complicated in the related technology, resulting in poor experience of the elderly in handling the transfer business, is solved. In this embodiment, the transfer data is collected by using multimedia equipment, and multimedia data is generated by the multimodal large model to interact with the user, so as to achieve the technical effect of reducing the complexity of the transfer operation process so as to improve the experience of the elderly in transferring.

[0094] Optionally, in the transfer device provided in the embodiment of the present application, the collection unit includes: a collection subunit, used to start the image collection device to collect facial features of the target object to obtain biometric data of the target object; a first processing subunit, used to obtain the collection strategy selected by the target object, and based on the collection strategy, collect the transfer data required for the transfer operation, wherein the collection strategy is used to instruct the multimedia device to collect data; a second processing subunit, used to obtain transfer preparation data based on the biometric data and the transfer data.

[0095] Optionally, in the transfer device provided in the embodiment of the present application, the first processing subunit includes: a processing module, which is used to start the sound collection device to collect the sound emitted by the target object when the collection strategy indicates that the multimedia device for collecting data is a sound collection device, so as to obtain the transfer data required for the transfer operation; or, when the collection strategy indicates that the multimedia device for collecting data is an image collection device, use the image collection device to collect the transfer data displayed by the target object to obtain the transfer data required for the transfer operation, wherein the way in which the target object displays the transfer data includes: displaying it using paper with the transfer data recorded on it.

[0096] Optionally, in the transfer device provided in the embodiment of the present application, the processing unit includes: a matching subunit, used to match the transfer data in the transfer preparation data with N preset word slots to obtain a matching result, where N is a positive integer; an adding subunit, used to add the transfer data in the transfer preparation data to the N preset word slots based on the matching result to obtain an adding result, and determine the spliced ​​transfer data based on the adding result.

[0097] Optionally, in the transfer device provided in the embodiment of the present application, the matching subunit includes: a conversion module, which is used to convert the audio data in the transfer preparation data into text when the transfer data in the transfer preparation data includes audio data, so as to obtain the converted transfer data; and a matching module, which is used to match the converted transfer data with N preset word slots to obtain a matching result.

[0098] Optionally, in the transfer device provided in the embodiment of the present application, the transfer device also includes: a first acquisition unit, used to acquire first multimedia data and play the first multimedia data after the target object starts the target client before starting the multimedia device to collect data and obtain transfer preparation data, wherein the first multimedia data is used to determine the financial services required by the target object to the target object, and the data type of the first multimedia data includes at least one of the following: text, video, and voice; a second acquisition unit, used to acquire a device identification of a mobile device used by the target object and a device address of the mobile device used by the target object when the financial service required by the target object is a transfer service; a generation unit, used to generate a transfer request based on the device identification and the device address.

[0099] Optionally, in the transfer device provided in the embodiment of the present application, the transfer device also includes: a third acquisition unit, used to acquire second multimedia data and play the second multimedia data after the transfer amount is transferred to the target account, wherein the second multimedia data is used to determine the target object's satisfaction with the transfer operation.

[0100] Optionally, in the transfer device provided in the embodiment of the present application, the transfer device also includes: a fourth acquisition unit, used to obtain the load condition of the target service cluster before starting the multimedia device to collect data and obtain the transfer preparation data, wherein the target service cluster includes M servers, and the M servers are used to provide transfer services to users, and M is a positive integer; a selection unit, used to select S servers in the target service cluster based on the load condition, wherein the S servers are used to complete the transfer operation, and S is a positive integer less than M.

[0101] It should be noted that the above-mentioned acquisition unit 41, verification unit 42, processing unit 43 and transfer unit 44 correspond to steps S201 to S204 in the first embodiment, and the two modules and the corresponding steps implement the same examples and application scenarios, but are not limited to the contents disclosed in the first embodiment. It should be noted that the above-mentioned modules or units can be hardware components or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n), and the above-mentioned modules can also be run in the computer terminal 10 provided in the first embodiment as part of the device.

[0102] Embodiment 3

[0103] An embodiment of the present application may provide an electronic device, Figure 5 is a structural block diagram of an electronic device according to an embodiment of the present application. Figure 5 As shown, the electronic device may include: one or more ( Figure 5 (only one is shown) processor 502, memory 504, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0104] Among them, the memory can be used to store software programs and modules, such as program instructions / modules corresponding to the methods and devices in the embodiments of the present application, and the processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, realizing the above-mentioned method. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include a memory remotely arranged relative to the processor, and these remote memories may be connected to the terminal via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0105] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: respond to the transfer request of the target object, start the multimedia device to collect data, and obtain transfer preparation data, wherein the multimedia device includes at least one of the following: an image collection device, a sound collection device, and the transfer preparation data includes at least one of the following: biometric data of the target object, and transfer data required for the target object to perform a transfer operation; verify the data in the transfer preparation data to obtain a verification result, wherein the verification result is used to indicate whether the data in the transfer preparation data is compliant and valid; when the verification result indicates that the data in the transfer preparation data is compliant and valid, splice the transfer data in the transfer preparation data to obtain the spliced ​​transfer data, and input the spliced ​​transfer data into the target language model, and output target multimedia data, wherein the target multimedia data is used to determine to the target object whether the transfer data required for the transfer operation is accurate and whether the target object agrees to transfer the transfer amount to the target account, and the model type of the target language model includes: a pre-trained multimodal large model; after the target object determines that the transfer data required for the transfer operation is accurate and agrees to transfer, transfer the transfer amount to the target account.

[0106] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: start the multimedia device to collect data and obtain transfer preparation data, including: start the image acquisition device to collect facial features of the target object and obtain the biometric data of the target object; obtain the acquisition strategy selected by the target object, and based on the acquisition strategy, collect the transfer data required for the transfer operation, wherein the acquisition strategy is used to instruct the multimedia device to collect data; based on the biometric data and the transfer data, obtain the transfer preparation data.

[0107] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: based on the collection strategy, collect the transfer data required for the transfer operation, including: when the collection strategy indicates that the multimedia device for collecting data is a sound collection device, start the sound collection device to collect the sound emitted by the target object to obtain the transfer data required for the transfer operation; or when the collection strategy indicates that the multimedia device for collecting data is an image collection device, use the image collection device to collect the transfer data displayed by the target object to obtain the transfer data required for the transfer operation, wherein the way in which the target object displays the transfer data includes: using paper with the transfer data recorded on it for display.

[0108] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: splicing the transfer data in the transfer preparation data to obtain the spliced ​​transfer data, including: matching the transfer data in the transfer preparation data with N preset word slots to obtain a matching result, where N is a positive integer; based on the matching result, adding the transfer data in the transfer preparation data to the N preset word slots to obtain an adding result, and determining the spliced ​​transfer data based on the adding result.

[0109] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: matching the transfer data in the transfer preparation data with N preset word slots to obtain a matching result, including: when the transfer data in the transfer preparation data includes audio data, converting the audio data in the transfer preparation data into text to obtain converted transfer data; matching the converted transfer data with N preset word slots to obtain a matching result.

[0110] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: before starting the multimedia device to collect data and obtain the transfer preparation data, it also includes: after the target object starts the target client, obtain the first multimedia data and play the first multimedia data, wherein the first multimedia data is used to determine the financial services required by the target object to the target object, and the data type of the first multimedia data includes at least one of the following: text, video and voice; when the financial service required by the target object is a transfer service, obtain the device identification of the mobile device used by the target object and the device address of the mobile device used by the target object; based on the device identification and the device address, generate a transfer request.

[0111] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: after transferring the transfer amount to the target account, it also includes: obtaining second multimedia data and playing the second multimedia data, wherein the second multimedia data is used to determine the target object's satisfaction with the transfer operation.

[0112] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: before starting the multimedia device to collect data and obtain the transfer preparation data, it also includes: obtaining the load status of the target service cluster, wherein the target service cluster includes M servers, and the M servers are used to provide transfer services to users, and M is a positive integer; based on the load status, select S servers in the target service cluster, wherein the S servers are used to complete the transfer operation, and S is a positive integer less than M.

[0113] By adopting the embodiment of the present application, multimedia equipment is used to collect transfer data, and multimedia data is generated through a multimodal large model to interact with users, thereby achieving the technical effect of reducing the complexity of the transfer operation process to improve the experience of the elderly in transferring money. This solves the technical problem in the related art that the transfer operation process is complicated, resulting in a poor experience for the elderly in handling transfer services.

[0114] It can be understood by those skilled in the art that Figure 5 The structure shown is for illustration only, and the electronic device may also be a smart phone, a tablet computer, a PDA, a mobile Internet device (MID), a PAD or other terminal device. Figure 5 The structure of the electronic device is not limited. Figure 5 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Figure 5 Different configurations shown.

[0115] A person of ordinary skill in the art can understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, and the storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0116] Embodiment 4

[0117] The embodiment of the present application further provides a storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the transfer method provided in the first embodiment.

[0118] Optionally, in this embodiment, the above storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group.

[0119] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing the program steps of the transfer method.

[0120] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0121] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0122] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0123] 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 solution of this embodiment.

[0124] In addition, each functional unit in each embodiment of the present application 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-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0125] 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 the present application, in essence, 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 the present application. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, disk or optical disk and other media that can store program codes.

[0126] The above is only a preferred implementation of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A method for transferring money, characterized in that: include: In response to a transfer request from a target object, a multimedia device is started to collect data to obtain transfer preparation data, wherein the multimedia device includes at least one of the following: an image collection device, a sound collection device, and the transfer preparation data includes at least one of the following: biometric data of the target object, and transfer data required by the target object to perform a transfer operation; Verifying the data in the transfer preparation data to obtain a verification result, wherein the verification result is used to indicate whether the data in the transfer preparation data is compliant and valid; When the verification result indicates that the data in the transfer preparation data is compliant and valid, the transfer data in the transfer preparation data are spliced ​​to obtain spliced ​​transfer data, and the spliced ​​transfer data are input into a target language model, and target multimedia data is output, wherein the target multimedia data is used to determine to the target object whether the transfer data required for the transfer operation is accurate and whether the target object agrees to transfer the transfer amount to the target account, and the model type of the target language model includes: a pre-trained multimodal large model; After the target object determines that the transfer data required for the transfer operation is accurate and agrees to the transfer, the transfer amount is transferred to the target account.

2. The transfer method according to claim 1, characterized in that: Start the multimedia device to collect data and obtain the transfer preparation data, including: Starting the image acquisition device to acquire facial features of the target object to obtain biometric data of the target object; Acquire a collection strategy selected by the target object, and based on the collection strategy, collect the transfer data required for the transfer operation, wherein the collection strategy is used to instruct a multimedia device to collect data; The transfer preparation data is obtained based on the biometric data and the transfer data.

3. The transfer method according to claim 2, characterized in that: Based on the collection strategy, collecting the transfer data required for the transfer operation includes: When the collection strategy indicates that the multimedia device for collecting data is the sound collection device, the sound collection device is started to collect the sound emitted by the target object to obtain the transfer data required for the transfer operation; or, when the collection strategy indicates that the multimedia device for collecting data is the image collection device, the image collection device is used to collect the transfer data displayed by the target object to obtain the transfer data required for the transfer operation, wherein the method in which the target object displays the transfer data includes: displaying it using a paper with the transfer data recorded on it.

4. The transfer method according to claim 1, characterized in that: The transfer data in the transfer preparation data are spliced ​​to obtain the spliced ​​transfer data, including: Matching the transfer data in the transfer preparation data with N preset word slots to obtain a matching result, where N is a positive integer; Based on the matching result, the transfer data in the transfer preparation data is added to N preset word slots to obtain an adding result, and based on the adding result, the spliced ​​transfer data is determined.

5. The transfer method according to claim 4, characterized in that: Matching the transfer data in the transfer preparation data with the N preset word slots to obtain a matching result, including: In the case where the transfer data in the transfer preparation data includes audio data, converting the audio data in the transfer preparation data into text to obtain converted transfer data; The converted transfer data is matched with N preset word slots to obtain the matching result.

6. The transfer method according to claim 1, characterized in that: Before starting the multimedia device to collect data and obtain the transfer preparation data, it also includes: After the target object starts the target client, first multimedia data is obtained and played, wherein the first multimedia data is used to determine the financial service required by the target object, and the data type of the first multimedia data includes at least one of the following: text, video and voice; In the case where the financial service required by the target object is a money transfer service, obtaining a device identifier of a mobile device used by the target object and a device address of the mobile device used by the target object; The transfer request is generated based on the device identification and the device address.

7. The transfer method according to claim 1, characterized in that: After transferring the transfer amount to the target account, it also includes: Acquire second multimedia data and play the second multimedia data, wherein the second multimedia data is used to determine the target object's satisfaction with the transfer operation.

8. The transfer method according to claim 1, characterized in that: Before starting the multimedia device to collect data and obtain the transfer preparation data, it also includes: Obtaining the load status of the target service cluster, wherein the target service cluster includes M servers, and the M servers are used to provide transfer services for users, where M is a positive integer; Based on the load condition, S servers are selected in the target service cluster, wherein the S servers are used to complete the transfer operation, and S is a positive integer less than M.

9. A transfer device, characterized in that: include: A collection unit, configured to respond to a transfer request from a target object, start a multimedia device to collect data, and obtain transfer preparation data, wherein the multimedia device includes at least one of the following: an image collection device, a sound collection device, and the transfer preparation data includes at least one of the following: biometric data of the target object, and transfer data required for the target object to perform a transfer operation; a verification unit, configured to verify the data in the transfer preparation data to obtain a verification result, wherein the verification result is used to indicate whether the data in the transfer preparation data is compliant and valid; a processing unit, configured to, when the verification result indicates that the data in the transfer preparation data is compliant and valid, splice the transfer data in the transfer preparation data to obtain the spliced ​​transfer data, input the spliced ​​transfer data into a target language model, and output target multimedia data, wherein the target multimedia data is used to determine to the target object whether the transfer data required for the transfer operation is accurate and whether the target object agrees to transfer the transfer amount to the target account, and the model type of the target language model includes: a pre-trained multimodal large model; The transfer unit is used to transfer the transfer amount to the target account after the target object determines that the transfer data required for the transfer operation is accurate and agrees to the transfer.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored executable program, wherein when the executable program is executed, the device where the computer-readable storage medium is located is controlled to execute the transfer method according to any one of claims 1 to 8.

11. A computer program product comprising computer instructions, characterized in that: When the computer instructions are executed by a processor, the steps of the transfer method described in any one of claims 1 to 8 are implemented.

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