Business processing method and device, equipment, medium and program product

Abstract

The invention provides a business processing method which can be applied to the technical field of financial science and technology. The method comprises the steps that a live-action model of a bank outlet is integrated to a bank application of a mobile terminal, a target function item is generated, and the live-action model comprises an interactive intelligent teller machine three-dimensional model; in response to an operation of selecting a target function item by a user, displaying the real scene model on a mobile terminal; in response to an interactive operation of a user on the three-dimensional model of the intelligent teller machine in the live-action model, displaying an interactive interface of the intelligent teller machine at the mobile terminal; and receiving the input of the user through the interactive interface to call the business logic corresponding to the input. The invention further provides a business processing device, equipment, a storage medium and a program product.

Description

Technical Field

[0001] This disclosure relates to the field of financial technology, and more specifically to a business processing method, apparatus, equipment, medium, and program product. Background Technology

[0002] Currently, banks are vigorously expanding their online business scope, and the integration of remote tellers has enabled most transactions to be handled through mobile banking. However, users unfamiliar with the application hierarchy and operational logic of mobile banking cannot find the corresponding entry point for the transaction and can only visit physical branches to complete transactions that could be done online. This reduces business processing efficiency and increases the operating costs of bank branches. Summary of the Invention

[0003] In view of the above problems, this disclosure provides a business processing method, apparatus, equipment, medium and program product.

[0004] According to a first aspect of this disclosure, a business processing method is provided, the method comprising:

[0005] The real-world model of a bank branch is integrated into a mobile banking application to generate target functional items. The real-world model includes an interactive 3D model of an intelligent teller machine.

[0006] In response to the user's selection of the target function item, the real-scene model is displayed on the mobile device;

[0007] In response to the user's interactive operation on the 3D model of the smart teller machine in the real scene model, the interactive interface of the smart teller machine is displayed on the mobile terminal.

[0008] The system receives user input through the interactive interface to invoke the business logic corresponding to the input.

[0009] According to embodiments of this disclosure, receiving user input through the interactive interface to invoke business logic corresponding to the input includes:

[0010] The interactive interface is divided into multi-level rectangular regions to obtain a spatial index structure containing hierarchical relationships, so that each leaf node is associated with at most one interactive hot zone.

[0011] By transforming the coordinates, the projected coordinates on the interactive interface based on the interactive operation are mapped to the spatial index structure to obtain two-dimensional coordinates;

[0012] The two-dimensional coordinates are mapped to the spatial index structure and traversed hierarchically to locate the leaf node containing the two-dimensional coordinates;

[0013] If the interaction hotspot associated with the leaf node is the target interaction hotspot, the business logic associated with the target interaction hotspot is executed according to the predefined mapping relationship between interaction hotspots and business logic.

[0014] According to embodiments of this disclosure, dividing the interactive interface into multi-level rectangular regions to obtain a spatial index structure containing hierarchical relationships includes:

[0015] The initial rectangular area of ​​the interactive interface is used as the root node of the quadtree.

[0016] If the rectangular area corresponding to the current node includes multiple interactive hot zones and does not reach the preset depth threshold, then a segmentation operation is performed. The segmentation operation is used to equally divide the current node into four sub-quadrant nodes.

[0017] The segmentation operation is performed iteratively until each leaf node is associated with only a single interactive hotspot or the minimum segmentation accuracy is met, resulting in a spatial index structure containing hierarchical relationships.

[0018] According to embodiments of this disclosure, the step of mapping the projected coordinates on the interactive interface based on the interactive operation to the spatial index structure through coordinate transformation to obtain two-dimensional coordinates includes:

[0019] The initial coordinates of the touch point corresponding to the interactive operation are obtained through the graphics rendering engine.

[0020] Based on the intrinsic and extrinsic parameter matrices of the smart teller machine camera, the initial coordinates are subjected to perspective projection transformation to obtain uncorrected coordinates in the two-dimensional interface coordinate system.

[0021] The uncorrected coordinates are distorted using a bilinear interpolation algorithm to generate two-dimensional coordinates.

[0022] According to embodiments of this disclosure, the method further includes:

[0023] Based on the geometric boundary data of the interactive hot zone associated with the leaf node, determine whether the two-dimensional coordinates are within the tolerance range of the geometric boundary of the interactive hot zone;

[0024] If the two-dimensional coordinates are within the geometric boundary tolerance range of the interactive hot zone, then it is determined whether to activate the interactive hot zone according to the preset priority strategy.

[0025] If the two-dimensional coordinates are not within the geometric boundary tolerance range of the interactive hot zone, the current interactive operation is discarded or the anti-accidental touch mechanism is triggered.

[0026] According to embodiments of this disclosure, the step of displaying the interactive interface of the smart teller machine on the mobile terminal includes:

[0027] The user interface data of the smart teller machine at the bank branch is obtained, and the user interface data includes the interface layout, function hotspot information and pre-compiled business logic.

[0028] Based on the user interface data, an interactive interface consistent with the physical ATM is rendered on the mobile device;

[0029] The method further includes:

[0030] In response to the user's target operation on the interactive interface, the user is redirected to the corresponding function page of the bank application or the remote teller access interface.

[0031] According to embodiments of this disclosure, the method further includes:

[0032] Preload high-frequency business function modules associated with the smart teller machine;

[0033] When a user initiates a service request through the interactive interface, the pre-loaded high-frequency service function module is directly invoked to perform the service processing.

[0034] A second aspect of this disclosure provides a service processing apparatus, the apparatus comprising:

[0035] An integration module is used to integrate the real-world model of a bank branch into a mobile banking application and generate target functional items. The real-world model includes an interactive 3D model of an intelligent teller machine.

[0036] The display module is used to display the real-scene model on the mobile device in response to the user's selection of the target function item;

[0037] An interaction module is used to respond to the user's interactive operation on the 3D model of the smart teller machine in the real scene model and display the interactive interface of the smart teller machine on the mobile terminal.

[0038] The processing module is used to receive the user's input through the interactive interface, and to invoke the business logic corresponding to the input.

[0039] A third aspect of this disclosure provides an electronic device comprising: one or more processors; and a memory for storing one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the method described above.

[0040] A fourth aspect of this disclosure also provides a computer-readable storage medium having a computer program or instructions stored thereon, which, when executed by a processor, implement the steps of the above-described method.

[0041] The fifth aspect of this disclosure also provides a computer program product, including a computer program or instructions that, when executed by a processor, implement the steps of the above-described method. Attached Figure Description

[0042] The foregoing contents, as well as other objects, features, and advantages of this disclosure, will become clearer from the following description of embodiments with reference to the accompanying drawings, in which:

[0043] Figure 1 A flowchart illustrating a service processing method according to an embodiment of the present disclosure is shown schematically.

[0044] Figure 2 A flowchart illustrating a business logic invocation method according to an embodiment of this disclosure is shown schematically.

[0045] Figure 3 A schematic diagram of an interactive interface according to an embodiment of the present disclosure is shown;

[0046] Figure 4 A schematic block diagram of a service processing apparatus according to an embodiment of the present disclosure is shown; and

[0047] Figure 5 A block diagram of an electronic device suitable for implementing a business processing method according to an embodiment of the present disclosure is shown schematically. Detailed Implementation

[0048] The embodiments of the present disclosure will now 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 disclosure. In the following detailed description, numerous specific details are set forth to provide a thorough understanding of the embodiments of the present disclosure for ease of explanation. However, it will be apparent that one or more embodiments may be practiced without these specific details. Furthermore, descriptions of well-known structures and techniques are omitted in the following description to avoid unnecessarily obscuring the concepts of the present disclosure.

[0049] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit this disclosure. The terms “comprising,” “including,” etc., as used herein indicate the presence of the stated features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0050] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein are to be interpreted in a manner consistent with the context of this specification, and not in an idealized or overly rigid way.

[0051] When using expressions such as "at least one of A, B and C", they should generally be interpreted in accordance with the meaning that is commonly understood by those skilled in the art (e.g., "a system having at least one of A, B and C" should include, but is not limited to, a system having A alone, a system having B alone, a system having C alone, a system having A and B, a system having A and C, a system having B and C, and / or a system having A, B and C, etc.).

[0052] In the technical solution disclosed herein, the user information (including but not limited to user personal information, user image information, user transaction record information, user device information such as location information) and data (including but not limited to data used for analysis, stored data, and displayed data) involved are all information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of related data all comply with relevant laws, regulations, and standards, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entry points for users to choose to authorize or refuse.

[0053] In scenarios involving automated decision-making using personal information, the methods, devices, and systems provided in this disclosure all offer users corresponding entry points for choosing to agree to or reject the automated decision-making results. If the user chooses to reject, the process proceeds to the expert decision-making stage. Here, "automated decision-making" refers to the activity of automatically analyzing and evaluating an individual's behavioral habits, interests, or economic, health, and credit status through computer programs, and then making a decision. Here, "expert decision-making" refers to the activity of making decisions by personnel who specialize in a particular field, possess specialized experience, knowledge, and skills, and have reached a certain level of professional expertise.

[0054] Figure 1 A flowchart illustrating a service processing method according to an embodiment of the present disclosure is shown schematically.

[0055] like Figure 1 As shown, the service processing method of this embodiment includes operations S110 to S140.

[0056] When operating S110, the real-world model of the bank branch is integrated into the mobile banking application to generate the target functional items.

[0057] According to embodiments of this disclosure, the real-world model of a bank branch can refer to a three-dimensional digital model of a virtual scene of a bank branch constructed based on a real branch environment, typically generated through 3D scanning, point cloud modeling, or manual modeling. The virtual scene of a bank branch can include physical layouts (such as counters and waiting areas), equipment (such as ATMs and smart teller machines), and environmental details (such as lighting and decorations), with the aim of recreating the environment of a real bank branch.

[0058] According to embodiments of this disclosure, the mobile banking application can be a mobile banking application or other mobile financial application used to provide online banking services.

[0059] According to embodiments of this disclosure, the target function item may refer to a new entry or button added to the banking application. When the user clicks on it, a real-world model is displayed. For example, the entry or button may be displayed as "Real-world branch" or "Smart teller machine experience".

[0060] According to embodiments of this disclosure, the real-world model includes an interactive 3D model of an ATM. An interactive 3D model of an ATM can refer to an ATM presented in 3D within the real-world model, where users can interact with the 3D model via gestures (such as clicking or swiping) or voice (e.g., clicking the screen to trigger a transaction).

[0061] When operating the S120, in response to the user's selection of a target function item, a real-world model is displayed on the mobile device.

[0062] According to embodiments of this disclosure, the user's operation of selecting a target function item can be triggered by the system when the user clicks or touches the target function item (such as the "Real Scene Network Point" button).

[0063] According to embodiments of this disclosure, displaying a real-world model can be achieved by rendering and displaying a 3D scene of the branch (including models of smart teller machines, counters, etc.) on a mobile device screen, allowing users to see a virtual bank branch environment.

[0064] When operating S130, in response to the user's interactive operation on the 3D model of the smart teller machine in the real-world model, the interactive interface of the smart teller machine is displayed on the mobile terminal.

[0065] According to embodiments of this disclosure, interactive operation can refer to specific operations performed by the user on the 3D model of the smart teller machine, such as clicking the screen of the smart teller machine or dragging the model's viewpoint.

[0066] According to embodiments of this disclosure, the interactive interface can refer to the actual operating interface of the smart teller machine (such as a service menu or input box), which is usually a 2D interface. When superimposed on a 3D model, it can be replaced with a full-screen interface. When a user clicks on the 3D model of the smart teller machine, the mobile application can pop up or jump to the operating interface of the smart teller machine, where the user can conduct business.

[0067] In operation S140, user input is received through the interactive interface to invoke the business logic corresponding to the input.

[0068] According to embodiments of this disclosure, user input can refer to information entered by the user in the interactive interface of the smart teller machine, such as selecting the service type, entering the amount, or uploading identification documents.

[0069] According to embodiments of this disclosure, invoking business logic can be a banking application triggering backend services (such as account inquiry or transfer processing) based on user input and returning results.

[0070] According to embodiments of this disclosure, on the one hand, by presenting a real-world model of a bank branch, particularly a 3D model including an interactive smart teller machine, in a mobile application, users can understand the layout and service processes of bank branches in a more intuitive and immersive way. Users can complete business operations via their mobile devices without having to visit the branch in person. This virtual reality experience reduces users' reliance on physical branches, alleviates operational confusion caused by unfamiliar environments, and improves the convenience of service access. On the other hand, users trigger the display of the real-world model by selecting a target function and directly interact with the 3D model of the smart teller machine, with the system displaying the corresponding interactive interface in real time. This "what you see is what you get" interaction mode simplifies the business operation path, enabling users to quickly locate function entry points, reduce operation steps, and improve business processing efficiency.

[0071] In some embodiments of this disclosure, color images of offline bank branch equipment can be acquired using a stereo camera. Then, a dense point cloud with more details can be generated based on a multimodal virtual point 3D detection algorithm. Finally, the dense point cloud is denoised using a Tucker decomposition algorithm to obtain a high-precision, low-noise, texture-rich, and colorful real-world model of the bank branch. After being imported into a mobile banking application, with the goal of restoring the offline equipment, richer business entry points can be deployed, which can effectively improve the user experience.

[0072] In some embodiments, taking a smart teller machine as an example, an RGB-D image of the smart teller machine can be obtained by surrounding the smart teller machine with a stereo camera.

[0073] A 3D point cloud is a basic data structure consisting of a set of data points in a three-dimensional coordinate system. Each individual point in the cloud corresponds to a unique location in 3D space, with its coordinates precisely defined by its x, y, and z coordinates. Based on information from an RGB-D image and camera intrinsics, the coordinates of any pixel in the three-dimensional coordinate system can be calculated, enabling the conversion from a 2D image to a 3D point cloud.

[0074] First, define the camera intrinsic parameters as follows:

[0075] (1)

[0076] The parameters are defined as follows:

[0077] : Represents the focal length along the x-axis, : Indicates the focal length along the y-axis, : Represents the x-coordinate of the base point, which is the center of the image plane along the x-axis. : Represents the y-coordinate of the base point, which is the center of the image plane along the y-axis. The subscript in the lower right corner represents the scale factor, which is usually 1.

[0078] Define the point coordinates in the pixel coordinate system Point coordinates in the camera coordinate system .

[0079] Points in pixel coordinate system Points in the camera coordinate system The relationship is as follows:

[0080] (2)

[0081] Simplify the above formula, point coordinates The solution formula is as follows:

[0082] , , (3)

[0083] The midpoint of formula (3) in the camera coordinate system The value is the depth value measured by the stereo camera. This refers to the distance from the real point to the camera plane. Adding color information to the corresponding 3D point locations creates a color point cloud for the smart teller machine. This method is low-cost and generates a sparse point cloud with fewer discrete points. Other facilities and the environment within the branch can also be generated using this process.

[0084] According to embodiments of this disclosure, dense point cloud data is further generated to address the problem of numerous holes in sparse point clouds caused by the visual blind spots and invalid points of the stereo camera. Based on the multimodal virtual point 3D detection algorithm, the RGB-D image generated by the stereo camera consists of an RGB image and a depth image, allowing for the reuse of the RGB image to densify the sparse point cloud.

[0085] Specifically, the RGB image is first segmented into instances, and the 3D point cloud is projected onto the RGB image. This results in several laser points projected onto each region of the RGB image. Regions worthy of generating a dense point cloud, such as smart teller machines and manual counters, are called instances. Pixels within each instance are randomly sampled and their nearest neighbors are determined with the pixels projected onto the laser points. The depth of the associated laser point is taken as the depth of the current pixel. Finally, these 2D points are projected back into the laser coordinate system to obtain a virtual 3D point set, achieving a point cloud densification effect.

[0086] According to embodiments of this disclosure, point cloud enhancement can be performed on dense point clouds to achieve noise reduction. Specifically, point cloud enhancement can be performed based on the Tucker decomposition algorithm, encoding local adjacency connection weights into an adjacency matrix. To construct a graph representation of a point cloud, each valid connection between two points with positive weights is called an edge. A point in a point cloud is defined as... and points The connection weights between them are shown in the formula:

[0087] (4)

[0088] In the formula, It is the variance of the node coordinates. It is the Euclidean distance threshold for clustering adjacent points into the same sub-point cloud.

[0089] The high-pass filter is defined as shown in the formula:

[0090] (5)

[0091] In the formula, It is the filter length. It is the first Each filter coefficient It is a graph shift operator that replaces the graph signal of the target point with a linear weighted sum of the graph signals of its neighboring points.

[0092] After the point cloud passes through a high-pass filter, the response of the high-pass graph filter is used to measure local changes in the graph to detect geometric keypoints. The local changes at a point are as shown in the formula:

[0093] (6)

[0094] When a point exhibits significant local variation, the graphical signal representing that point differs considerably from the graphical signals of its neighboring points, suggesting that the point may be a geometrically critical point.

[0095] Geometric key points were obtained by sampling using a high-pass graph filter. Then, with each key point Centered on the original point cloud, cluster its neighboring points using the Euclidean distance of the corresponding geometric components, as shown in the formula:

[0096] (7)

[0097] In the formula, Representative point cloud and The distance is less than The set of neighboring points is defined as a sub-point cloud.

[0098] Zidianyun It is from the original point cloud The 3D points were clustered together, and these points were... 3D points with various attributes They are superimposed along spatial dimensions to form a dimension. Zhang Quantum Dot Cloud .

[0099] Using Tucker decomposition to transform the sub-point cloud in tensor form It is decomposed into a core tensor and principal components of attributes and spatial dimensions, as shown in the formula:

[0100]

[0101] In the formula, : The core tensor The contents of the core tensor indicate the level of interaction between different factor matrices; Factor matrix of attribute dimensions ; Factor matrix of attribute dimensions ; : Spatial dimension factor matrix, .

[0102] After obtaining the first principal components of the sub-point cloud, expand the first principal components of the sub-point cloud along the spatial dimension to restore the dimensionality-reduced sub-point cloud. Cluster all the dimensionality-reduced sub-point clouds together to obtain the dimensionality-reduced enhanced point cloud.

[0103] In some embodiments, inputting enhanced point cloud data into 3D modeling software can yield a color model of the smart teller machine. Similarly, color models of manual counters, other facilities within the branch, and the overall environment can be generated to obtain a realistic model of the bank branch.

[0104] In some embodiments, a "Real-world Branch" option can be added to the banking application. A 3D model loading interface is used to load the 3D model of the smart teller machine into the "Real-world Branch" section of the banking application. Similarly, manual teller counters, other facilities within the branch, and the overall environment are integrated into the "Real-world Branch" section of the banking application.

[0105] In some embodiments, taking a 3D model of a smart teller machine as an example, transparent button controls can be overlaid on the model layout, with each control corresponding to a jump logic. The interactive, invisible areas in the user interface are called hot zones. To handle user interactions, such as clicks, touch events can be captured through a custom View, and the click coordinates can be used to determine which hot zone the click falls into, triggering the corresponding jump.

[0106] Figure 2 A flowchart illustrating a business logic invocation method according to an embodiment of this disclosure is shown.

[0107] like Figure 2 As shown, the method of this embodiment includes operations S210 to S240.

[0108] In operation S210, the interactive interface is divided into multi-level rectangular areas to obtain a spatial index structure containing hierarchical relationships, so that each leaf node is associated with at most one interactive hotspot.

[0109] In this hierarchical relationship, the root node represents the entire interface, the child nodes represent subdivided areas, and so on down to the leaf node (the smallest indivisible area).

[0110] Interactive hotspots are specific areas on the interface where users can interact with them, and are associated with specific business logic. Each leaf node is associated with at most one interactive hotspot, which is the area that users can click or interact with, such as buttons or menu items.

[0111] According to embodiments of this disclosure, the interactive interface is divided into multi-level rectangular regions, forming a spatial index structure containing hierarchical relationships. This structure ensures that each leaf node (i.e., the lowest-level rectangular region) is associated with at most one interactive hotspot. Through this hierarchical division, the system can efficiently manage and locate interactive elements on the interface.

[0112] In operation S220, through coordinate transformation, the projected coordinates on the interactive interface based on the interactive operation are mapped to the spatial index structure to obtain two-dimensional coordinates.

[0113] Among them, the projection coordinates are the absolute positions of the user's operation on the screen, such as pixel coordinates.

[0114] Coordinate transformation involves mapping projected coordinates to the coordinate system of the spatial index structure through geometric transformations (such as scaling and translation), ensuring coordinate consistency.

[0115] According to embodiments of this disclosure, when a user performs an interactive operation on the interface, the system obtains the projected coordinates of the operation on the interface. Then, using coordinate transformation technology, these projected coordinates are mapped to a pre-built spatial index structure to obtain the corresponding two-dimensional coordinates. This provides accurate coordinates for subsequent hierarchical traversal.

[0116] In operation S230, the two-dimensional coordinates are mapped to the spatial index structure for hierarchical traversal, locating the leaf node containing the two-dimensional coordinates.

[0117] Hierarchical traversal can start from the root node of the spatial index structure and traverse downwards level by level, determining its child nodes based on the range of two-dimensional coordinates.

[0118] According to embodiments of this disclosure, the system uses the obtained two-dimensional coordinates to perform a hierarchical traversal in the spatial index structure. Through layer-by-layer comparison and filtering, it ultimately locates the leaf node containing the two-dimensional coordinates. This ensures that the interface area corresponding to the user interaction operation can be accurately located.

[0119] In operation S240, if the interaction hotspot associated with the leaf node is the target interaction hotspot, the business logic associated with the target interaction hotspot is executed according to the predefined mapping relationship between interaction hotspots and business logic.

[0120] For example, a user clicks the "Transfer" button on the 3D model of the smart teller machine. According to an embodiment of this disclosure, the click coordinates are mapped to a spatial index structure to locate the leaf node corresponding to the "Transfer" button. It is then checked whether the hotspot associated with the leaf node is the "Transfer" hotspot. If so, the transfer business logic is invoked, and the transfer process begins.

[0121] Figure 3 A schematic diagram of an interactive interface according to an embodiment of the present disclosure is shown.

[0122] like Figure 3 As shown, after logging into the bank's application, users can choose to enter "Real-world Branch". Once in "Real-world Branch", a real-world model of the bank branch is displayed on the mobile device. Users can click on the smart teller machine to obtain a 3D model, which can be displayed in portrait mode on the mobile screen. Figure 3 The UI of the smart teller machines currently deployed in various bank branches is shown.

[0123] Figure 3 The left side of the interactive page features frequently used account functions (310), where users can quickly access services such as checking balance details, transferring funds, and setting security settings. The right side of the interactive page is an intelligent recommendation area (320) based on user habits. For example, recently completed transactions are automatically displayed in the "Recently Completed" section, anticipating user needs and simplifying the process. To-do reminders display tasks requiring user attention, such as those for which a mobile phone number is not registered with the bank, preventing customers from missing important notifications.

[0124] If the above functions do not meet the user's needs, the user can click on the quick processing area 330 at the bottom of the page. Here, frequently used functions are divided into four categories for the user to choose from; the "All Functions" entry can also be retained. For example, clicking on "Mobile Number Management" will directly redirect the user to the corresponding operation page of the mobile banking app.

[0125] According to embodiments of this disclosure, after locating a leaf node containing user interaction operations, it is checked whether the interaction hotspot associated with that leaf node is the target interaction hotspot. If so, the business logic associated with the target interaction hotspot is executed according to the predefined mapping relationship between interaction hotspots and business logic. This achieves precise integration between user interaction operations and business logic, ensuring correct response to user operations and smooth execution of business logic.

[0126] In some embodiments, the initial rectangular area of ​​the interactive interface can be used as the root node of the quadtree; if the rectangular area corresponding to the current node includes multiple interactive hotspots and does not reach the preset depth threshold, a segmentation operation is performed to divide the current node into four sub-quadrant nodes equally; the segmentation operation is iteratively performed until each leaf node is associated with only a single interactive hotspot or meets the minimum segmentation precision, resulting in a spatial index structure containing hierarchical relationships.

[0127] For example, suppose the user interface layout contains three buttons: "Transfer," "Query," and "Investment," and they are relatively scattered. Initially, the root node contains the entire interface and three interactive hotspots, triggering a segmentation operation. The root node is divided into four sub-quadrant nodes, three of which each contain a button, and the fourth sub-quadrant is empty. The sub-quadrant nodes containing buttons become leaf nodes and are not further segmented; the empty sub-quadrant nodes also directly become leaf nodes. This ultimately generates a quadtree structure, where each leaf node corresponds to an interactive hotspot or an empty area. In the case of user interaction, when a user taps the screen, the quadtree can quickly locate the leaf node containing the tap coordinates, thereby triggering the corresponding interactive hotspot (such as the "Transfer" button).

[0128] In some embodiments, the initial coordinates of the touch points corresponding to the interactive operation can be obtained through a graphics rendering engine; based on the intrinsic and extrinsic parameter matrices of the smart teller machine camera, the initial coordinates are transformed by perspective projection to obtain uncorrected coordinates in a two-dimensional interface coordinate system; and a bilinear interpolation algorithm is used to compensate for distortion of the uncorrected coordinates to generate two-dimensional coordinates.

[0129] The initial coordinates are usually the pixel coordinates (e.g., (x, y)) of the touch point on the device screen (or the image captured by the camera), which may be affected by factors such as device resolution and camera distortion.

[0130] The intrinsic parameter matrix describes the camera's internal parameters (such as focal length, principal point coordinates, distortion coefficients, etc.) and is used to project points in 3D space onto the 2D image plane. The extrinsic parameter matrix describes the camera's position and orientation in 3D space (such as rotation matrix, translation vector) and is used to transform the world coordinate system to the camera coordinate system. Through a combination of intrinsic and extrinsic parameter matrices, the initial coordinates are mapped from the image coordinate system captured by the camera to uncorrected coordinates in the 2D interface coordinate system.

[0131] According to embodiments of this disclosure, perspective projection transformation and distortion compensation eliminate the influence of camera viewpoint, position, and distortion on coordinates, ensuring precise alignment of touch point coordinates with the interactive interface. A bilinear interpolation algorithm avoids coordinate jumps or jagged edges caused by distortion correction, improving the smoothness of user interaction. A unified coordinate transformation process adapts to different devices (such as different camera models and screen resolutions), improving system portability. The generated two-dimensional coordinates can be directly used for positioning in spatial index structures such as quadtrees, improving the efficiency of interactive hotspot matching.

[0132] In some embodiments, the geometric boundary data of the interactive hotspot associated with the leaf node can be used to determine whether the two-dimensional coordinates are within the geometric boundary tolerance range of the interactive hotspot. If the two-dimensional coordinates are within the geometric boundary tolerance range of the interactive hotspot, the interactive hotspot is activated according to a preset priority strategy. If the two-dimensional coordinates are not within the geometric boundary tolerance range of the interactive hotspot, the current interactive operation is discarded or the anti-accidental touch mechanism is triggered.

[0133] Among them, geometric boundary data is used to define the precise boundary of the interactive hot zone, such as the vertex coordinates of the rectangular region, the center and radius of the circle, etc.

[0134] The preset priority strategy can be determined based on the importance of the interaction hotspot, the frequency of user operations, and the context state. For example, if the current interaction hotspot has a high priority, it will be activated and the corresponding business logic will be executed. If the current interaction hotspot has a low priority and there are higher-priority interaction hotspots covering or adjacent to it, it may not be activated (or the user may be prompted for confirmation).

[0135] For example, a user taps the screen of a smart teller machine. The system transforms the screen to obtain the two-dimensional coordinates (99, 199). The system checks if these coordinates are within the geometric tolerance range of the "Transfer" button (e.g., the rectangular area of ​​the button extends outwards by 5 pixels). If the coordinates are within the tolerance range, the system determines whether to activate the "Transfer" button based on a priority strategy: if there is no higher-priority interactive hotspot covering it, the "Transfer" button is activated, and the transfer process begins. If the "Transfer" button has a lower priority (e.g., the confirmation button has a higher priority when the user is entering an amount), the "Transfer" button may not be activated, or the user may be prompted for confirmation. If the coordinates are not within the tolerance range of any interactive hotspot, the system discards the operation and displays the message "No valid operation detected."

[0136] In some embodiments, UI data of a bank branch's smart teller machine can be acquired. This UI data includes the interface layout, functional hotspot information, and pre-compiled business logic. Based on the UI data, an interactive interface consistent with the physical teller machine is rendered on the mobile device. In response to the user's target operation on the interactive interface, the user is redirected to the corresponding function page of the bank application or the remote teller access interface.

[0137] Interface layout can refer to the overall structural design of the interactive interface, such as the position and hierarchy of buttons, input boxes, and icons.

[0138] Functional hotspot information consists of the geometric boundaries of the interactive hotspot, the associated business functions such as "transfer", "query", "financial management", etc., and their priorities.

[0139] Pre-compiled business logic is the business logic code that is bound to the interactive hotspot, such as the transfer process triggered after clicking the "transfer" button.

[0140] According to embodiments of this disclosure, the target operation refers to an operation performed by the user on the mobile terminal's interactive interface, such as clicking the "transfer" button. If the function corresponding to the target operation (such as "transfer") can be processed locally on the mobile terminal, the user is redirected to the corresponding function page of the bank application (such as the transfer page). If the target operation requires human assistance (such as complex business consultation), the user is redirected to the remote teller access interface (such as a video call interface, where the user can communicate with a remote teller in real time).

[0141] For example, users can operate the smart teller machine via a mobile device. The user opens the bank's app and enters the smart teller machine's interface (which is identical to the physical teller machine); the user clicks the "Transfer" button (the target operation); the system, based on pre-compiled business logic in the UI data, redirects to the transfer page (the corresponding function page); if the user encounters a complex problem, they click the "Remote Assistance" button, and the system redirects to a video call interface (the remote teller access interface), allowing the user to communicate with a remote teller.

[0142] In some embodiments, high-frequency service function modules associated with the smart teller machine can be pre-loaded. When a user initiates a service request through the interactive interface, the pre-loaded high-frequency service function modules are directly invoked to perform the service processing.

[0143] Among them, high-frequency business function modules refer to the software modules corresponding to the business functions most frequently used by users, such as the transfer module and the query module. The most frequently used business functions can be determined by analyzing the historical usage data of bank branch smart teller machines.

[0144] For example, a user initiates a transfer transaction via a mobile device. The user opens the bank's app and enters the smart teller machine interface; the system preloads frequently used business modules (such as "transfer" and "check balance") in the background; the user clicks the "transfer" button to initiate a transfer request; the system directly calls the preloaded transfer module to quickly enter the transfer process, and after the user enters the transfer amount and recipient information, the system immediately processes the transfer request.

[0145] Based on the above-described business processing method, this disclosure also provides a business processing apparatus. The following will be combined with... Figure 4 The device is described in detail.

[0146] Figure 4 A schematic block diagram of a service processing apparatus according to an embodiment of the present disclosure is shown.

[0147] like Figure 4 As shown, the business processing device 400 in this embodiment includes an integration module 410, a display module 420, an interaction module 430, and a processing module 440.

[0148] The integration module 410 is used to integrate the real-world model of a bank branch into a mobile banking application, generating target functional items. The real-world model includes an interactive 3D model of a smart teller machine. In one embodiment, the integration module 410 can be used to perform the operation S110 described above, which will not be repeated here.

[0149] The display module 420 is used to display a real-world model on the mobile device in response to the user's selection of a target function item. In one embodiment, the display module 420 can be used to perform the operation S120 described above, which will not be repeated here.

[0150] The interaction module 430 is used to respond to the user's interactive operations on the 3D model of the smart teller machine in the real-world model, and to display the interactive interface of the smart teller machine on the mobile terminal. In one embodiment, the interaction module 430 can be used to perform the operation S130 described above, which will not be repeated here.

[0151] The processing module 440 is used to receive user input through an interactive interface to invoke business logic corresponding to the input. In one embodiment, the processing module 440 can be used to execute the operation S140 described above, which will not be repeated here.

[0152] According to embodiments of this disclosure, receiving user input through an interactive interface to invoke business logic corresponding to the input includes: dividing the interactive interface into multi-level rectangular areas to obtain a spatial index structure containing hierarchical relationships, such that each leaf node is associated with at most one interactive hotspot; mapping the projected coordinates on the interactive interface based on the interactive operation to the spatial index structure through coordinate transformation to obtain two-dimensional coordinates; performing hierarchical traversal on the spatial index structure by mapping the two-dimensional coordinates to locate the leaf node containing the two-dimensional coordinates; and, if the interactive hotspot associated with the leaf node is the target interactive hotspot, executing the business logic associated with the target interactive hotspot according to the predefined mapping relationship between interactive hotspots and business logic.

[0153] According to embodiments of this disclosure, dividing the interactive interface into multi-level rectangular regions to obtain a spatial index structure containing hierarchical relationships includes: taking the initial rectangular region of the interactive interface as the root node of a quadtree; if the rectangular region corresponding to the current node includes multiple interactive hotspots and does not reach a preset depth threshold, then performing a segmentation operation to equally divide the current node into four sub-quadrant nodes; iteratively performing the segmentation operation until each leaf node is associated with only a single interactive hotspot or meets the minimum segmentation precision, thereby obtaining a spatial index structure containing hierarchical relationships.

[0154] According to embodiments of this disclosure, mapping the projected coordinates on the interactive interface based on the interactive operation to a spatial index structure through coordinate transformation to obtain two-dimensional coordinates includes: obtaining the initial coordinates of the touch point corresponding to the interactive operation through a graphics rendering engine; performing perspective projection transformation on the initial coordinates based on the intrinsic and extrinsic parameter matrices of the smart teller machine camera to obtain uncorrected coordinates in the two-dimensional interface coordinate system; and using a bilinear interpolation algorithm to compensate for distortion of the uncorrected coordinates to generate two-dimensional coordinates.

[0155] According to embodiments of this disclosure, the device further includes: a determining module, configured to determine whether the two-dimensional coordinates are within the geometric boundary tolerance range of the interactive hot zone based on the geometric boundary data of the interactive hot zone associated with the leaf node; a determining module, configured to determine whether to activate the interactive hot zone according to a preset priority strategy if the two-dimensional coordinates are within the geometric boundary tolerance range of the interactive hot zone; and a discarding module, configured to discard the current interactive operation or trigger an anti-accidental touch mechanism if the two-dimensional coordinates are not within the geometric boundary tolerance range of the interactive hot zone.

[0156] According to embodiments of this disclosure, displaying the interactive interface of a smart teller machine on a mobile device includes: acquiring UI data of the smart teller machine at a bank branch, the UI data including interface layout, functional hotspot information, and pre-compiled business logic; rendering an interactive interface consistent with the physical teller machine on the mobile device based on the UI data; the device further includes: a jump module, used to respond to the user's target operation on the interactive interface and jump to the corresponding function page of the bank application or the remote teller access interface.

[0157] According to embodiments of this disclosure, a preloading module is used to preload high-frequency business function modules associated with the smart teller machine; and a calling module is used to directly call the preloaded high-frequency business function modules to perform business processing when a user initiates a business request through an interactive interface.

[0158] According to embodiments of this disclosure, any plurality of modules among the integration module 410, display module 420, interaction module 430, and processing module 440 can be combined into one module, or any one of these modules can be split into multiple modules. Alternatively, at least part of the functionality of one or more of these modules can be combined with at least part of the functionality of other modules and implemented in one module. According to embodiments of this disclosure, at least one of the integration module 410, display module 420, interaction module 430, and processing module 440 can be at least partially implemented as hardware circuitry, 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-package, an application-specific integrated circuit (ASIC), or any other reasonable means of integrating or packaging circuitry, or implemented in software, hardware, or firmware, or in any one of the three implementation methods, or in a suitable combination of any of them. Alternatively, at least one of the integration module 410, display module 420, interaction module 430, and processing module 440 can be at least partially implemented as a computer program module, which, when run, can perform corresponding functions.

[0159] Figure 5 A block diagram schematically illustrates an electronic device suitable for implementing a transaction method according to an embodiment of the present disclosure.

[0160] like Figure 5 As shown, an electronic device 500 according to an embodiment of the present disclosure includes a processor 501, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 502 or a program loaded from a storage portion 508 into a random access memory (RAM) 503. The processor 501 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or an associated chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 501 may also include onboard memory for caching purposes. The processor 501 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.

[0161] RAM 503 stores various programs and data required for the operation of electronic device 500. Processor 501, ROM 502, and RAM 503 are interconnected via bus 504. Processor 501 performs various operations of the method flow according to embodiments of the present disclosure by executing programs in ROM 502 and / or RAM 503. It should be noted that programs may also be stored in one or more memories other than ROM 502 and RAM 503. Processor 501 may also perform various operations of the method flow according to embodiments of the present disclosure by executing programs stored in said one or more memories.

[0162] According to embodiments of this disclosure, the electronic device 500 may further include an input / output (I / O) interface 505, which is also connected to a bus 504. The electronic device 500 may also include one or more of the following components connected to the input / output (I / O) interface 505: an input section 506 including a keyboard, mouse, etc.; an output section 507 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 508 including a hard disk, etc.; and a communication section 509 including a network interface card such as a LAN card, modem, etc. The communication section 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to the input / output (I / O) interface 505 as needed. A removable medium 511, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on the drive 510 as needed so that computer programs read from it can be installed into the storage section 508 as needed.

[0163] This disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or it may exist independently and not assembled into the device / apparatus / system. The computer-readable storage medium carries one or more programs that, when executed, implement the method according to the embodiments of this disclosure.

[0164] According to embodiments of this disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, such as including, but not limited to: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof. In this disclosure, the computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. For example, according to embodiments of this disclosure, the computer-readable storage medium may include ROM 502 and / or RAM 503 and / or one or more memories other than ROM 502 and RAM 503 described above.

[0165] Embodiments of this disclosure also include a computer program product comprising a computer program containing program code for performing the methods shown in the flowchart. When the computer program product is run on a computer system, the program code is used to enable the computer system to implement the business processing methods provided in the embodiments of this disclosure.

[0166] When the computer program is executed by the processor 501, it performs the functions defined in the system / apparatus of this disclosure embodiments. According to embodiments of this disclosure, the systems, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0167] In one embodiment, the computer program may rely on a tangible storage medium such as an optical storage device or a magnetic storage device. In another embodiment, the computer program may also be transmitted and distributed in the form of signals over a network medium, and may be downloaded and installed via the communication section 509, and / or installed from a removable medium 511. The program code contained in the computer program can be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination thereof.

[0168] In such an embodiment, the computer program can be downloaded and installed from a network via communication section 509, and / or installed from removable medium 511. When the computer program is executed by processor 501, it performs the functions defined in the system of this disclosure embodiment. According to embodiments of this disclosure, the systems, devices, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0169] According to embodiments of this disclosure, program code for executing the computer programs provided in embodiments of this disclosure can be written in any combination of one or more programming languages. Specifically, these computational programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, languages ​​such as Java, C++, Python, "C", or similar programming languages. The program code can execute entirely on a user's computing device, partially on a user's device, partially on a remote computing device, or entirely on a remote computing device or server. In cases involving remote computing devices, the remote computing device can be connected to the user's computing device via any type of network, including a local area network (LAN) or a wide area network (WAN), or it can be connected to an external computing device (e.g., via the Internet using an Internet service provider).

[0170] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this disclosure. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0171] Those skilled in the art will understand that the features described in the various embodiments of this disclosure can be combined and / or combined in various ways, even if such combinations or combinations are not explicitly described in this disclosure. In particular, the features described in the various embodiments of this disclosure can be combined and / or combined in various ways without departing from the spirit and teachings of this disclosure. All such combinations and / or combinations fall within the scope of this disclosure.

Claims

1. A business processing method, characterized in that, The method includes: The real-world model of a bank branch is integrated into a mobile banking application to generate target functional items. The real-world model includes an interactive 3D model of an intelligent teller machine. In response to the user's selection of the target function item, the real-scene model is displayed on the mobile device; In response to the user's interactive operation on the 3D model of the smart teller machine in the real scene model, the interactive interface of the smart teller machine is displayed on the mobile terminal. The system receives user input through the interactive interface to invoke the business logic corresponding to the input.

2. The method according to claim 1, characterized in that, The step of receiving user input through the interactive interface and invoking business logic corresponding to the input includes: The interactive interface is divided into multi-level rectangular regions to obtain a spatial index structure containing hierarchical relationships, so that each leaf node is associated with at most one interactive hot zone. By transforming the coordinates, the projected coordinates on the interactive interface based on the interactive operation are mapped to the spatial index structure to obtain two-dimensional coordinates; The two-dimensional coordinates are mapped to the spatial index structure and traversed hierarchically to locate the leaf node containing the two-dimensional coordinates; If the interaction hotspot associated with the leaf node is the target interaction hotspot, the business logic associated with the target interaction hotspot is executed according to the predefined mapping relationship between interaction hotspots and business logic.

3. The method according to claim 2, characterized in that, The step of dividing the interactive interface into multi-level rectangular regions to obtain a spatial index structure containing hierarchical relationships includes: The initial rectangular area of ​​the interactive interface is used as the root node of the quadtree. If the rectangular area corresponding to the current node includes multiple interactive hot zones and does not reach the preset depth threshold, then a segmentation operation is performed. The segmentation operation is used to equally divide the current node into four sub-quadrant nodes. The segmentation operation is performed iteratively until each leaf node is associated with only a single interactive hotspot or the minimum segmentation accuracy is met, resulting in a spatial index structure containing hierarchical relationships.

4. The method according to claim 2, characterized in that, The process of mapping the projected coordinates on the interactive interface based on the interactive operation to the spatial index structure through coordinate transformation to obtain two-dimensional coordinates includes: The initial coordinates of the touch point corresponding to the interactive operation are obtained through the graphics rendering engine. Based on the intrinsic and extrinsic parameter matrices of the smart teller machine camera, the initial coordinates are subjected to perspective projection transformation to obtain uncorrected coordinates in the two-dimensional interface coordinate system. The uncorrected coordinates are distorted using a bilinear interpolation algorithm to generate two-dimensional coordinates.

5. The method according to claim 4, characterized in that, The method further includes: Based on the geometric boundary data of the interactive hot zone associated with the leaf node, determine whether the two-dimensional coordinates are within the tolerance range of the geometric boundary of the interactive hot zone; If the two-dimensional coordinates are within the geometric boundary tolerance range of the interactive hot zone, then it is determined whether to activate the interactive hot zone according to the preset priority strategy. If the two-dimensional coordinates are not within the geometric boundary tolerance range of the interactive hot zone, the current interactive operation is discarded.

6. The method according to claim 1 or 5, characterized in that, The interactive interface for displaying the smart teller machine on the mobile device includes: The user interface data of the smart teller machine at the bank branch is obtained, and the user interface data includes the interface layout, function hotspot information and pre-compiled business logic. Based on the user interface data, an interactive interface consistent with the physical ATM is rendered on the mobile device; The method further includes: In response to the user's target operation on the interactive interface, the user is redirected to the corresponding function page of the bank application or the remote teller access interface.

7. The method according to claim 1, characterized in that, The method further includes: Preload high-frequency business function modules associated with the smart teller machine; When a user initiates a service request through the interactive interface, the pre-loaded high-frequency service function module is directly invoked to perform the service processing.

8. A business processing apparatus, characterized in that, The device includes: An integration module is used to integrate the real-world model of a bank branch into a mobile banking application and generate target functional items. The real-world model includes an interactive 3D model of an intelligent teller machine. The display module is used to display the real-scene model on the mobile device in response to the user's selection of the target function item; An interaction module is used to respond to the user's interactive operation on the 3D model of the smart teller machine in the real scene model and display the interactive interface of the smart teller machine on the mobile terminal. The processing module is used to receive the user's input through the interactive interface, and to invoke the business logic corresponding to the input.

9. An electronic device, comprising: One or more processors; Memory, used to store one or more computer programs. The characteristic feature is that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 7.

10. A computer-readable storage medium having a computer program or instructions stored thereon, characterized in that, When the computer program or instructions are executed by a processor, they implement the steps of the method according to any one of claims 1 to 7.

11. A computer program product, comprising a computer program or instructions, characterized in that, When the computer program or instructions are executed by a processor, they implement the steps of the method according to any one of claims 1 to 7.

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