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CN107918913A - Banking processing method, device and system - Google Patents

Banking processing method, device and system Download PDF

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Publication number
CN107918913A
CN107918913A CN201711159873.7A CN201711159873A CN107918913A CN 107918913 A CN107918913 A CN 107918913A CN 201711159873 A CN201711159873 A CN 201711159873A CN 107918913 A CN107918913 A CN 107918913A
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virtual
virtual reality
reality terminal
business
bank
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CN107918913B (en
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王同庆
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Bank of China Ltd
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Bank of China Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/30—Information retrieval; Database structures therefor; File system structures therefor of unstructured textual data
    • G06F16/33—Querying
    • G06F16/332—Query formulation
    • G06F16/3329—Natural language query formulation or dialogue systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints

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Abstract

This application provides a kind of banking processing method, device and system, in the method, virtual bank's server receives the logging request for carrying target biometric information that virtual reality terminal is sent, and when the definite target biometric information belongs to the biological information of registered users, business recommended list and virtual bank's scene video are returned to virtual reality terminal；When receiving business consultation by virtual reality terminal, instruction virtual reality terminal will seek advice from answer and handle associated voice response output as virtual bank；When determining target service that targeted customer's selection is handled, handling the page and virtually introducing video for target service is returned to virtual reality terminal；When got by virtual reality terminal handle the business handling data inputted in the page when, performed according to business handling data and target service handled.This method can improve flexibility and the convenience of banking processing.

Description

Banking processing method, device and system
Technical field
This application involves business data processing technical field, more particularly to a kind of banking processing method, device and System.
Background technology
With people's the accelerating rhythm of life, people for banking handle and treatment effeciency is higher and higher.And Traditional bank outlets are due to being limited to the factors such as business hours, queue number, and cause banking handles efficiency It is relatively low.
In order to meet the needs of user's efficient transacting business, banking system provides Web bank, and such user can be sufficient Do not go out family, can easily, efficiently handle some bankings.But the operation complexity of Web bank it is higher, it is necessary to Family, which needs to have certain computer basic, can just realize that flexibility is relatively low in Web bank's transacting business, does not utilize easily Handling bank business.
The content of the invention
In view of this, this application provides a kind of banking processing method, device and system, to improve banking The flexibility of processing and convenience.
To achieve the above object, on the one hand, this application provides a kind of banking processing method, applied to virtual bank Server, the described method includes：
The logging request that virtual reality terminal is sent is received, which carries the mesh for the targeted customer that request logs in Mark biological information；
When the target biometric information belongs to the biological information in the biological characteristic set of registered users, Business recommended list and virtual bank's scene video are returned to the virtual reality terminal, so that the virtual reality terminal is in void Intend showing the business recommended list and virtual bank's scene video in display screen, wherein, virtual bank's scene visual Frequency is going out based on virtual reality technology structure, including at least the multiframe virtual reality image of the image of virtual bank manager；
Consulted when receiving the targeted customer by the virtual reality terminal for the business of the business recommended list During inquiry, determine the corresponding consulting answer of the business consultation, and indicate the virtual reality terminal using it is described consulting answer as The virtual bank handles associated voice response output；
Select to handle when receiving the targeted customer from the business recommended list by the virtual reality terminal Target service when, to the virtual reality terminal return the target service handle the page and the virtual bank handles Handle the virtual of the page to described and introduce video, with the virtual reality terminal show it is described handle the page while, output The virtual scene image of the page is handled described in the virtual bank manager introduction；
When by the virtual reality terminal get it is described handle the business handling data inputted in the page when, according to institute The execution of business handling data is stated to handle the target service.
Preferably, after business recommended list is returned to the virtual reality terminal, further include：
Indicate that the virtual reality terminal gathers the emotional state information of the targeted customer；
The emotional state information of the targeted customer currently got according to preset normal emotional state information, monitoring Whether abnormal emotion information is belonged to；
When detecting the targeted customer there are during abnormal emotion information, sent to the virtual reality terminal and there is finance The indicating risk of swindle, and freeze the operation for the target service that the targeted customer currently handles.
Preferably, the page of handling that the target service is returned to the virtual reality terminal, including：
Determine the type of service described in the target service；
When the target service belong to signing open an account class business when, pass through virtual reality terminal and obtain the targeted customer's Certificate information and biological information, and belong to perfect instrument information in the verification certificate information, and the biological characteristic is believed When breath and the biometric information matches of the targeted customer of storage, the target service is returned for the virtual reality terminal Transaction page；
When the target service belongs to fund class business, the friendship of the target service is returned for the virtual reality terminal The easy page.
Preferably, it is described to return to business recommended list to the virtual reality terminal, including：
Obtain the historical record data of the targeted customer；
According to the historical record data, return to what is matched with the historical record data to the virtual reality terminal Business recommended list.
Preferably, it is described performed according to the business handling data to the handling of the target service after, further include：
Technical account and the storage of the target service are handled in generation；
The prompting of bill formal character is sent to the virtual reality terminal, the bill formal character prompting is used to indicate institute State virtual reality terminal notifying user and select e bill or paper bill；
When getting targeted customer's selection e bill by the virtual reality terminal, the mesh of storage is obtained The e bill for marking user receives address, and e bill reception address is sent to virtual reality terminal, so as to described Virtual reality terminal notifying user verifies the e bill and receives address；
When receiving the confirmed e bill reception address that the virtual reality terminal returns, according to described through true The e bill recognized receives address, and the technical account of the target service is sent in the form of e bill；
When getting targeted customer's selection paper bill by the virtual reality terminal, to virtual reality terminal Address input prompting is sent, so that user inputs the mailing received corresponding to paper bill by the virtual reality terminal Address；
When receiving the target address that the virtual reality terminal returns, generation includes the industry of the target service The item to be posted of bill of being engaged in and the target address, to indicate bank clerk item to be posted according to described in The technical account of the target service is posted to the targeted customer.
On the other hand, it is described applied to virtual bank's server present invention also provides a kind of banking processing unit Device includes：
Receiving unit is logged in, for receiving the logging request of virtual reality terminal transmission, which carries request The target biometric information of the targeted customer of login；
Business recommended unit, for belonging to when the target biometric information in the biological characteristic set of registered users Biological information when, business recommended list and virtual bank's video are returned to the virtual reality terminal, so as to the void Intend non-real end and show the business recommended list and virtual bank's scene video in virtual display, wherein, it is described Virtual bank's scene video is going out based on virtual reality technology structure, including at least the multiframe of the image of virtual bank manager Virtual reality image；
Virtual interacting unit, the business is directed to for that ought receive the targeted customer by the virtual reality terminal During the business consultation of recommendation list, the corresponding consulting answer of the business consultation is determined, and indicate that the virtual reality terminal will The consulting answer handles associated voice response output as the virtual bank；
Page feedback unit, pushes away for that ought receive the targeted customer by the virtual reality terminal from the business Recommend when the target service handled is selected in list, to the virtual reality terminal return the target service handle the page and Virtual bank manager handles the virtual of the page and introduces video to described, to show described handle in the virtual reality terminal While the page, the virtual scene image that the page is handled described in the virtual bank manager introduction is exported；
Business handling unit, for when by the virtual reality terminal get described in handle the business inputted in the page When handling data, performed according to the business handling data and the target service is handled.
Preferably, further include：
Mood acquiring unit, for returning to business recommended list to the virtual reality terminal in the business recommended unit Afterwards, indicate that the virtual reality terminal gathers the emotional state information of the targeted customer；
Mood monitoring unit, for according to preset normal emotional state information, monitoring the target currently got Whether the emotional state information of user belongs to abnormal emotion information；
Exception processing unit, for when detecting the targeted customer there are during abnormal emotion information, to described virtual existing Real terminal sends the indicating risk there are financial swindling, and freezes the operation for the target service that the targeted customer currently handles.
Preferably, the page feedback unit, including：
Type determination unit, the targeted customer is received from the business for working as by the virtual reality terminal When the target service handled is selected in recommendation list, the type of service described in the target service is determined；
First feedback subelement, for when the target service belong to signing open an account class business when, it is whole to pass through virtual reality End obtains the certificate information and biological information of the targeted customer, and belongs to perfect instrument letter in the verification certificate information Breath, and be the virtual reality when biological information and the biometric information matches of the targeted customer of storage Terminal returns to the transaction page of the target service and virtual bank manager regards virtual introduce for handling the page Frequently；
Second feedback subelement, for when the target service belongs to fund class business, being the virtual reality terminal The transaction page and virtual bank manager for returning to the target service handle the virtual of the page and introduce video to described.
Preferably, the business recommended unit, including：
Historical data obtains subelement, for belonging to the biological characteristic of registered users when the target biometric information During biological information in set, the historical record data of the targeted customer is obtained；
Business recommended subelement, for according to the historical record data, to the virtual reality terminal return with it is described The business recommended list that historical record data matches, and return to virtual bank's video to the virtual reality terminal.
On the other hand, present invention also provides a kind of banking system, including：
Virtual bank's server and the virtual reality terminal being connected with virtual bank's server by network；
Wherein, the virtual reality terminal, for logging request, the login will to be sent to virtual bank's server Request carries the target biometric information for the targeted customer that request logs in；Show the industry that virtual bank's server returns Recommendation list of being engaged in and virtual bank's scene video, wherein, virtual bank's video is going out based on virtual reality technology structure , including at least the multiframe virtual reality image of the image of virtual bank manager；The targeted customer is pushed away for the business The business consultation for recommending list feeds back to virtual bank's server, and the consulting answer that virtual bank's server is returned Associated voice response output is handled as the virtual bank；The targeted customer is selected from the business recommended list The information of target service be sent to virtual bank's server；Show virtual bank's server return and handle the page, And export the virtual scene image that the page is handled described in virtual bank manager's introduction that the virtual bank manager returns；Will The targeted customer is to the business handling data sending inputted in the page of handling to virtual bank's server；
Virtual bank's server, for receiving the logging request, and when the target biometric information belongs to During biological information in the biological characteristic set of registered users, returned to the virtual reality terminal described business recommended List and virtual bank's scene video；Pushed away when receiving the targeted customer by the virtual reality terminal for the business When recommending the business consultation of list, the corresponding consulting answer of the business consultation is determined, and return to the virtual reality terminal；When When determining the target service that targeted customer's selection is handled, the page is handled to the virtual reality terminal return target service And virtual bank manager handles the virtual of the page and introduces video to described；And obtained when by the virtual reality terminal To it is described handle the business handling data inputted in the page when, according to the business handling data perform to the target service Handle.
As known from the above, in the embodiment of the present application, user can directly log in virtual bank by virtual reality terminal Server, and virtual bank manager is got by virtual reality terminal and is directed to business in business recommended list and required handles Target service the related introduction for handling the page, and can by virtual reality terminal in real time from virtual bank manager get The problem of in the presence of the problem of doubt, replys, so that user need not go out, can experience and be done as come to bank outlets personally The experience of banking is managed, improves the flexibility of handling bank business.Moreover, even if user does not possess computation basis, Can also very easily finishing service selection and information it input, so as to be conducive to improve the convenience that banking is handled
Brief description of the drawings
In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, below will be to embodiment or existing There is attached drawing needed in technology description to be briefly described, it should be apparent that, drawings in the following description are only this The embodiment of application, for those of ordinary skill in the art, without creative efforts, can also basis The attached drawing of offer obtains other attached drawings.
Fig. 1 shows a kind of a kind of structure composed schematic diagram of banking system of the application；
Fig. 2 shows a kind of flow diagram of banking processing method one embodiment of the application；
Fig. 3 shows that the process flow that different types of business is directed in a kind of banking processing method of the application is shown It is intended to；
Fig. 4 shows the flow signal for providing technical account in a kind of banking processing method of the application to the user Figure；
Fig. 5 shows a kind of composition structure diagram of banking processing unit one embodiment of the application.
Embodiment
The scheme of the embodiment of the present application is introduced below in conjunction with the accompanying drawings.
Such as, referring to Fig. 1, it illustrates a kind of flow diagram of banking system one embodiment of the application.
As shown in Figure 1, which includes：Virtual reality terminal 101, virtual bank's server 102 and banking system System server.Virtual reality terminal can be connected with virtual bank server by network.It is understood that pass through network The virtual reality terminal being connected with virtual bank server can have more, Fig. 1 be only using a virtual reality terminal as Example.
Wherein, which is the equipment based on virtual reality technology, wherein, the virtual reality terminal 101 The display screen of virtual reality image can be presented by possessing, also, the virtual reality terminal has sensing user in virtual reality field The function of input operation in scape.Such as, which can be virtual reality glasses, virtual implementing helmet etc., or It is the combination of a variety of virtual reality devices.
Particularly, in the embodiment of the present application, serviced in order to which user can be based on the virtual reality terminal to virtual bank Device sends the request such as registration, which has the collecting unit of collection user biological identity characteristic, and e.g., this is virtual existing Real terminal has one or more biomedical information acquisition devices in fingerprint capturer, the iris capturing device of human eye, pulse collection device.
Virtual bank's server 102 can according to virtual reality terminal send request, complete relevant user's registration, The online processing of business handling.Wherein, which can pass through network phase with the system server of banking system Connect, from the system server query-relevant data of banking system, either, to store and use into the system server of banking system The relevant information at family.
Specifically, the virtual reality terminal, for logging request, the logging request will to be sent to virtual bank's server Carry the target biometric information for the targeted customer that request logs in；Show the business recommended of virtual bank's server return List and virtual bank's scene video, wherein, which is going out based on virtual reality technology structure, is at least wrapped The multiframe virtual reality image of the image of the manager containing virtual bank；The targeted customer is consulted for the business of the business recommended list Inquiry feeds back to virtual bank's server, and the consulting answer that virtual bank's server returns is handled as the virtual bank Associated voice response output；The information for the target service that the targeted customer is selected from the business recommended list is sent to this Virtual bank's server；Show virtual bank's server return and handle the page, and export being somebody's turn to do for virtual bank manager's return Virtual bank manager introduces the virtual scene image for handling the page；The targeted customer is handled to the business inputted in the page to this Data sending is handled to virtual bank's server；
Virtual bank's server, for receiving the logging request, and when the target biometric information belongs to registered During biological information in the biological characteristic set of user, the business recommended list and virtual is returned to the virtual reality terminal Bank's scene video；When by the virtual reality terminal receive the targeted customer be directed to the business recommended list business consultation When, determine the corresponding consulting answer of the business consultation, and return to the virtual reality terminal；When definite targeted customer selection is handled Target service when, to the virtual reality terminal return the target service handle the page and the virtual bank manager this is done The virtual of the reason page introduces video；And handle the business handling number inputted in the page when getting this by the virtual reality terminal According to when, according to the business handling data perform the target service is handled.
With reference to above general character, referring to Fig. 2, it illustrates a kind of stream of banking processing method one embodiment of the application Journey schematic diagram, the method for the present embodiment can include：
S201, virtual reality terminal establish network connection with virtual bank's server.
Such as, virtual reality terminal sends connection request to virtual bank's server, and virtual bank's server is in response to the company Connect request, the instruction connected to virtual reality terminal feedback acknowledgment, then realize virtual reality terminal and virtual bank's server it Between network connection.
Wherein, step S201 is optional step, its purpose be only easy to be better understood upon virtual reality terminal with The interaction of virtual bank's server.
S202, virtual reality terminal send the registration request of user to virtual bank's server.
Registration request is registered as bank-user for request, can subsequently to handle the associated bank business of the bank.
Such as, in one implementation, after virtual reality terminal and virtual bank's server establish network connection, Virtual bank's server can feed back a connection page to virtual reality terminal, be shown in the connection page for user The registration of selection and option is logged in, user can click directly on according to the connection page in the display screen of virtual reality terminal Either select to register or log in option by operating the modes such as cursor, to realize by the virtual reality terminal to virtual Bank server sends registration request or logging request.
And for example, in another implementation, network connection is established in virtual bank's terminal and virtual bank's server Afterwards, virtual bank's terminal can show a preset connection page in display screen automatically, be shown in the connection page The registration option and login option for user's selection are shown with, in this way, virtual bank's terminal detects the registration of user's selection During option, then registration request can be initiated.
S203, virtual bank's server send identity input instruction in response to the registration request, to virtual reality terminal, with Indicate that virtual reality terminal obtains the biological information and certificate information of the user.
Wherein, which can include：In fingerprint, facial image, people's eye iris etc. biological characteristic It is one or more.
It is understood that due in registration process, it is necessary to which biological information and certificate information according to user, is tested Whether consistent demonstrate,prove the biological information of certificate information and user, that is, verify whether to apply for the registration of using certificate information for me. Therefore, at least need to include the biological information that the certificate information included in biological information, for example, certificate information is During identity card, if the facial image of user is only included in identity card, then the biology of the user got in registration process is special Reference breath at least needs to include facial image；And for example, if containing the finger print information and facial image of user in identity card, then The biological information got needed for registering can be to be one or two kinds of in fingerprint and facial image.
It is understood that the identity input instruction except instruction virtual reality terminal perform obtain biological information with And outside the instruction of certificate information, the language that user prompts user to input biological information and certificate information can also be carried Sound is prompted and text prompt.
Particularly, in order to which user can experience as come to bank outlets personally, can be carried in identity input instruction There is the image of default virtual bank manager, the image of virtual bank manager can be associated with voice prompt, subsequently to exist While the image of virtual bank manager is shown in virtual reality terminal, voice prompt can be exported.
S204, virtual reality terminal output identity input instruction, to prompt to input biological characteristic in specified pickup area Information and certificate information.
Such as, virtual reality terminal exports the text prompt of identity input instruction in display screen, or defeated by player Go out the voice prompt of identity input instruction, it is of course also possible to be while output character is prompted, export voice prompt.
Further, can also automatically or the instruction according to virtual bank's server, virtual in virtual reality terminal The image of virtual bank manager is shown in the display screen of non-real end, and exports virtual bank manager prompting user and is adopted to difference Collect the voice prompt that biological information or certificate information are inputted in region.
For example, the display screen of virtual reality terminal can show the virtual reality scenario of virtual bank, and at this Virtual bank manager is shown in virtual reality scenario, which handles the information that can progressively prompt user's required input And the information gathering area corresponding to input information.For example, it is assumed that being currently needed for input certificate information, then virtual bank manager can To make the posture for being directed toward papers-scanning area, and voice broadcast " please your certificate is put into front of camera (papers-scanning area), With your certificate information of scanning ".
It is understood that virtual reality terminal can gather a variety of different biological informations, e.g., showed using virtual The camera of real terminal can gather facial image, people's eye iris；Can using the fingerprint collecting unit in virtual reality terminal To collect the fingerprint of user.
In addition, when virtual reality terminal possesses the wearable components being worn on user's body, by the wearable components Induction zone can sense pulse or heartbeat of user etc..
The biological information collected and certificate information are sent to virtual bank and serviced by S205, virtual reality terminal Device.
S206, virtual bank server carry out user identity verification according to certificate information and biological information, and with After family identity is by verification, the biometric identity characteristic information of the certificate information of user and user are associated storage, to complete The registration of the user.
Wherein, virtual bank's server is verification according to the purpose that certificate information and biological information carry out identity verification The certificate information that user is provided is authentic and valid certificate information, and is provided according to the biological information verification user of user Certificate information whether be the user certificate information.If the certificate information that user provides is believed for authentic and valid certificate Breath, and verify out the certificate information that the certificate information that the user is provided is the user, then it is logical to confirm that user identity is verified Cross, i.e., user identity passes through verification.
Virtual bank's server can be had based on the concrete mode that certificate information and biological information carry out identity verification It is a variety of：
Such as, in one implementation, whether virtual bank's server detection certificate information meets preset requirement, if It is that can then verify that a certain included in certificate information or several certain types of biological informations are provided with user This kind of certain types of biological information it is whether consistent, if unanimously, confirm user identity pass through verification.It is for example, false If information of the certificate information for the identity card of user, includes the facial image of user this biological characteristic in the identity card, Facial image in the biological information that then can provide the facial image in identity card with user is compared, if than It is same person to result, then authentication passes through.
And for example, in another implementation, virtual bank's server can be with the detection terminal specified in banking system It is connected, which can be the terminal where the employee in banking system, in this way, virtual server can believe the certificate Breath and biometric identity characteristic information are sent to the detection terminal, and the user of the detection terminal can be according to the certificate information received Corresponding identity verification work is performed with biometric identity characteristic information, and identity verification result is fed back into virtual bank's service Device.
Certainly, in practical applications, the concrete mode of identity verification is carried out also based on certificate information and biological information There can be other possible, not be any limitation as herein.
It is understood that to the identity verification of user by the way that afterwards, virtual bank's server can be performed as the user Registration, specifically, can be by the way that the biological characteristic of the certificate information of the user and the user be associated storage.Certainly, For the ease of inquiry, virtual bank's server can also mark the user as registered user.
It should be noted that above step S202 to step S206 is that user is complete to virtual bank's server of banking system Into the process of registration, but it is understood that, it is each operation for performing banking and being required for performing that the above, which is not, only It is to need operation to be performed when first using virtual bank's server of banking system, and the present embodiment is to be able to completely It is clearly understood from whole bank's processing procedure and above step is described.
S207, virtual reality terminal send logging request to virtual bank's server, which carries request and step on The target biometric information of the targeted customer of record.
Wherein, for the ease of distinguishing, the user for asking login is known as targeted customer, and the target logged in will be asked The biological information of user is known as target biometric.
It is understood that the specific species that is included with biological information above of target biometric information can be with Identical, e.g., which can include in the biological characteristics such as the facial image, fingerprint, iris of the targeted customer One or more.
S208, virtual bank's server detect the biological characteristic whether the target biometric information belongs to registered users Biological information in set, if it is, performing step S209；Carried if it is not, then returning to mistake to virtual reality terminal Show.
If the target biometric information is not belonging to the biological information of registered users, illustrate what request logged in Targeted customer is not belonging to the user of virtual bank's server registration, and in that case, virtual bank's server can be to void Intend non-real end and return to miscue.Correspondingly, virtual reality terminal can be carried by the form output error such as voice, word Show.
S209, the historical record data of virtual bank's server lookup targeted customer, and going through according to the targeted customer The Records of the Historian records data, to virtual reality terminal feedback traffic recommendation list.
Wherein, which includes：Historical transaction record of the targeted customer before current time, operation behavior One or more in record, credit grade, condition of assets etc. data.Wherein, historical transaction record can include user The relationship trading record for the banking handled, such as transfers accounts, pays the bill, buying fund transaction record.Operation behavior records It can include user and be related to user's operation and access in the access times of virtual bank's server, business information for inquiring about etc. Relative recording.Credit grade can reflect customer grade belonging to user, Transaction Information etc..
Wherein, multiple business handled for user's selection can be included in business recommended list.And the business recommended row Multiple business in table can be arranged sequentially successively.Such as, can include in business recommended list：Transfer accounts remittance, finance services, pay Take the business options such as business, foreign currency business, insurance business, other business options can also be included, when user's selection is handled Business not in business recommended list, user selects the option of other business, then can show in business recommended list when The title of other business outside the multiple business of preceding presentation.
According to the historical record data of targeted customer can reflect that targeted customer is frequently necessary to handle handle, it is interested Business etc., in this way, when generating business recommended list, user can often be handled or business interested be put into compared with For forward position.Therefore, the business recommended list according to the generation of the historical record data of targeted customer for the targeted customer, Be conducive to the business that targeted customer's fast positioning is handled needed for.
It is understood that if user is the user of new registration, the historical record data of user may be sky, at this , can be according to the business recommended list of acquiescence set in advance as the business recommended list for needing feed back in the case of kind.
It should be noted that according to the historical record data of targeted customer, determine what is matched with the historical record data Business recommended list is only a kind of implementation, and in practical applications, virtual bank's server can also be directed to different user Return to identical business recommended list.
It is understood that in order to allow targeted customer to experience the effect as come to bank personally, in the void While intending bank server return business recommended list, virtual bank's scene video can also be fed back, virtual bank's scene Video is going out based on virtual reality technology structure, including at least the multiframe virtual reality figure of the image of virtual bank manager Picture.Wherein, which can make including virtual bank manager and welcome posture, say welcome words, Yi Jiti For the virtual reality image of the related description to business recommended list.
Certainly, virtual bank's indoor setting etc. can also be constructed in virtual bank's scene video, in the virtual bank The address that the problem of can also being associated with scene in scene video seeks advice from, when the business that user is directed in business recommended list carries out , can be with the reply of the corresponding problem consulting of quick calling during resource.
S210, virtual reality terminal show the business recommended list in display screen, and to virtual bank's server feedback The targeted customer selects the target service handled from the business recommended list.
Such as, the first virtual viewing area in the display screen of virtual reality terminal shows the business recommended list.
Wherein, show that business recommended list is actually based on virtual reality technology, in the virtual viewing area of the display screen The business recommended list is showed in domain, in this way, targeted customer can experience the bank counter institute as come to bank outlets personally The scene of the business recommended list showed, targeted customer can be by clicking on or moving the modes such as cursor to business recommended row Business in table makes choice, can also be directly by the Business Name for the target service handled needed for phonetic entry.
It is understood that virtual reality terminal export at the same time virtual bank's scene video mode can have it is a variety of, Such as, it is virtual that the image that virtual bank handles in virtual bank's scene video etc. is exported in the second virtual reality region of display screen Real world images, and virtual bank manager is played for the explanation of the business included in business recommended list, and for inquiring The voice prompt of the business of selection needed for user.In this way, user can be connect by phonetic entry of the voice to virtual reality terminal The title for the target service handled needed for mouth input.
It is understood that before the target service handled needed for being determined in the targeted customer, user can also pass through language Needed for sound or word to virtual bank's manager's feedback the problem of the business consultation of consulting, virtual reality terminal is anti-by the traffic issues Feed virtual bank's server, after virtual bank's server determines the consulting answer corresponding to the business consultation, consulting is answered The data feedback of case gives virtual reality terminal, and indicates the virtual reality terminal using the consulting answer as the virtual silver The associated voice response output of reason of passing through.Handled correspondingly, virtual reality terminal simulation goes out the virtual bank to user feedback official communication Ask the video effect of answer.
Meanwhile virtual bank's server can also be fed back while feedback traffic recommendation list to virtual reality terminal Virtual bank manager introduces video for business in business recommended list, correspondingly, virtual reality terminal can be empty second Intend exporting this in display area and introducing video so that targeted customer experience as in bank outlets lobby manager for business Inquiry and introduction scene.
S211, virtual bank's server are whole to virtual reality by the data feedback for handling the page for handling the target service End.
It is understood that handling page difference corresponding to different business, it can include and handle in this handles the page The business required input or the relevant information of selection.Such as, by taking transferred account service as an example, can be wrapped in the page in handling for transferred account service Include：Produce input or the choice box for the information such as account, transfer amounts of transferring accounts, be transferred to.
Further, while virtual bank's server returns to virtual reality terminal and handles the page, can also feed back Virtual bank manager handles the virtual of the page to this and introduces video, and the same of the page is handled to show in the virtual reality terminal When, export virtual bank manager and introduce the virtual scene image for handling the page.Such as, virtually introduce in video and contain virtual silver Reason pass through to the virtual reality image handling fill flow path in the page, fill in points for attention, fill in mode etc..
It is understood that if user still suffers from query for virtually introducing the related introduction provided in video, still It can initiate to seek advice from for the problem of handling the page to virtual bank's server by virtual reality terminal, and taken by virtual bank Business device gives the answer feedback that problem is seeked advice to virtual reality terminal, and virtual bank's server is simulated in virtual reality terminal Answer the virtual reality scenario of the answer of problem consulting.
S212, virtual reality terminal obtain the targeted customer and handle the business handling data of page input at this, and by industry Business handles data sending and gives virtual bank's server.
Wherein, handle the business handling data inputted in the page can be it is that targeted customer is manually entered or from Inputted in choice box by selecting, handle the data needed for the target service.Certainly, targeted customer can also pass through phonetic entry Handle each item data of the page.
In a kind of optional mode, virtual bank's server can also be while feedback handles the data of the page, by pin The flow of handling that the page is handled to this introduces video feed and gives virtual reality terminal, wherein, this, which handles flow video, includes void The image of plan manager of bank and the virtual bank handle the correlation on handling the multiple data item to be entered included in the page Introduce.In this way, the prompting that targeted customer can handle according to virtual bank, is handled each in the page either manually or by phonetic entry The corresponding data of a data item.
For example, still by taking transferred account service as an example, handling to show in the page and produce account, be transferred in transferred account service Account etc. information, in this way, virtual bank manager can be used to inputting user in account is produced with voice prompt and produce account Account number, the account number for producing account can input to void by targeted customer either manually or by the mode of phonetic entry Intend non-real end, the number for producing account is input in the input frame that this is produced corresponding to account by virtual reality terminal, for The input process of other input frames for handling the page of the transferred account service is similar, and details are not described herein.
Certainly, user can handle target service by virtual reality terminal to virtual bank's manager's proposition and this is handled The problem of page is related is seeked advice from, the reply that virtual reality terminal can be by server feedback for problem consulting, with virtual silver The form output of reason of passing through voice broadcast.
S213, for virtual bank's server according to the business handling data, perform the target service handles operation.
Such as, virtual bank's server examines whether business handling data are significant figure according to the business handling data of submission According to if business handling data are not there are wrong or unreasonable data, then, virtual bank's server is according to the business handling number According to handling for completion target service；If business handling data are not valid data, then virtual bank's server can terminate the mesh Mark business is handled, and returns to corresponding miscue to virtual reality terminal.
As it can be seen that in the embodiment of the present application, user can directly log in virtual bank's server by virtual reality terminal, And virtual bank manager is got by virtual reality terminal and is directed to business and the required target handled in business recommended list The related introduction for handling the page of business, and can be got in real time from virtual bank manager in the presence of doubtful by virtual reality terminal The problem of the problem of puzzled, replys, so that user need not go out, can experience and handle bank as come to bank outlets personally The experience of business, improves the flexibility of handling bank business.Moreover, even if user does not possess computation basis, can also Very easily finishing service selection and information input, so as to be conducive to improve the convenience that banking is handled.
It is understood that due to business that banking system can be provided can be divided into it is a variety of, without the tool of business of the same race Body handle flow also can difference, e.g., the business that can be handled in bank can classify two classes, and one kind is that signing is opened an account class industry Business, one kind is fund class business, in virtual reality terminal to virtual bank's server feedback the required target service handled it Afterwards, the difference of classification of virtual bank's server according to belonging to the target service, has different process flows.Such as, referring to figure 3, it shows the process flow schematic diagram that inhomogeneity business is directed in the banking processing method of the application, including：
S301, virtual reality terminal send the mark for the target service handled selected by user to virtual bank's server.
Wherein, the user being previously mentioned in Fig. 3 embodiments may be considered having logged on of being mentioned in preceding embodiment Targeted customer.
S302, virtual bank's server determine the class of service belonging to the target service, if the target service belongs to label Class of about opening an account business, then perform step S303；If the target service belongs to fund class business, step S309 is performed.
Wherein, signing class business of opening an account refers to open an account relevant business with signing；And fund class business refers to influence money The business of golden class, such as transfers accounts, foreign currency business.
S303, virtual bank's server send certificate to virtual reality terminal and obtain instruction.
Wherein, which obtains the certificate information that instruction is used to indicate virtual reality terminal notifying targeted customer input, and Obtain the certificate information of targeted customer's input.
Such as, virtual bank's server exports virtual bank manager prompting user by virtual reality terminal and inputs certificate information Signal language.Certainly, virtual bank's server can also return to the prompt text that prompting user inputs certificate information, and by virtual Non-real end shows corresponding prompt text.
S304, virtual reality terminal scanning certificate information input by user, and certificate information is returned into virtual bank's clothes Business device.
Such as, reality goes out the prompting that virtual bank handles in second virtual display area of the virtual reality terminal in display screen User is inputted after the picture of certificate information, and user can be in the shooting that virtual reality terminal is connected according to the prompting of virtual manager The certificate of user is placed in head or scanner front end, so that virtual reality terminal can scan certificate letter input by user Breath.
S305, whether virtual bank's server authentication certificate information is effective, if it is, performing step S306；If not, Then indicating risk is returned to virtual reality terminal.
Whether virtual bank's server authentication certificate information is effectively equivalent to the authenticity of verification certificate information, if empty It is the real docu-ment information put on record to intend bank server to verify the certificate information, then it is assumed that the certificate information is effective.
Wherein, if the certificate information of user's submission is not verified, virtual server can be returned to virtual reality terminal Indicating risk is returned, which is used to prompt user that there are fraud risk.Meanwhile the indicating risk can prompt the user whether Confirm to freeze the business currently handled, if user confirms to freeze the business currently handled, virtual reality terminal can be passed through Returned to virtual bank's server and freeze to indicate, so that virtual bank's server performs the operation for freezing the business transaction.
S306, virtual bank's server send biological information to virtual reality terminal and obtain instruction.
Wherein, which obtains instruction and is used to indicate that virtual reality terminal output prompting user inputs biological characteristic letter The prompt message of breath, e.g., corresponding signal language is exported by voice or word.It is of course also possible to it is by virtual bank's server The virtual bank manager output prompting user shown in control virtual reality terminal inputs the voice prompt of biological information.
S307, virtual reality terminal gather the biological information of user by physical characteristics collecting device, and will collection To biological information be sent to virtual bank's server.
Whether the biological information of the user of S308, virtual bank's server authentication biological information and storage Matching, if it does, then performing step S309.
It is understood that above is first to verify certificate information, then verify and be introduced exemplified by biological information, but It is the verification order that can also exchange both information in practical applications, or verifies both information at the same time, only when tests Card certificate information belongs to perfect instrument information, and biological information and the biometric information matches of the targeted customer of storage When, just it is the transaction page of virtual reality terminal return target service.
S309, virtual bank's server return to transaction page for the virtual reality terminal.
S310, virtual bank's server obtain the business that user inputs in the transaction page that virtual reality terminal is shown and do Data are managed, operation is handled with perform the target service according to the business handling data.
It is understood that when target service is fund class business, virtual bank's server can pass through virtual reality The virtual bank manager shown in the virtual display of terminal or the virtual display of virtual reality terminal, carries out with user The interactive operations such as selection, input, when user have input Send only Account, collecting account, amount of money business by virtual reality terminal After transaction data, banking system can carry out business handling operation according to business transaction data.
Further, complete to the target service handle operation after, virtual bank's server can also be by the mesh The information record such as involved paying party, beneficiary is into the historical transaction record of the user in mark business.
S311, virtual bank's server according to the Transaction Information and historical transaction record of the target service of the user, to Virtual reality terminal feedback traffic recommendation information.
Wherein, which includes being remembered according to the Transaction Information of the target service and the historical trading of the user Record, the information with the associated banking of the target service determined.
Correspondingly, virtual reality terminal shows the recommendation business for recommending user according to the business recommended information.Such as, pass through The promptings such as word, sound recommend business, or simulation virtual bank to handle to user and recommend the recommendation business.
Wherein, step S311 is optional step, can select to perform or do not perform as needed in practical applications The step.
It is understood that after step S310, virtual bank's server can also this is handled according to user mesh The Transaction Information of mark business, the assets progress assets to user and the associated other users of the target service collect.It is meanwhile empty Intending bank server can also judge whether the assets of the user reach credit upgrading level, if reached, lift the user Credit grade.
It is understood that business recommended list has been fed back to getting for virtual reality terminal in virtual bank's server In period between the business handling data that user fills in, virtual bank's server also can indicate that virtual reality terminal obtains The emotional status information of user, e.g., the tone of speaking of user, expression, heartbeat data, finger tremor etc. can reflect user emotion Data so that situation condition information of virtual bank's server according to the user, judge the user with the presence or absence of belonging to gold Melt the risk of fraudulent act.
Correspondingly, virtual reality terminal can utilize the emotional status letter of the inductor sensing user of the virtual reality terminal Breath, and the emotional status information sensed is sent to virtual bank's server.Wherein, can be by taking the photograph in virtual reality terminal As the expression of head collection user, the speech utterance of user is gathered by voice acquisition device, can also be whole by the virtual reality The sensing component for being used to be worn on user's body for setting or connecting in end, senses heartbeat and the body shakes number of user According in this way, virtual reality terminal can collect one or more kinds of emotional status information of user.
, can be according to preset normal mood after virtual bank's server gets the emotional status information of the user Whether status information, the emotional state information for monitoring the targeted customer currently got belong to abnormal emotion information.Such as, will The emotional status information is compared with the normal emotional state information prestored, if comparison result shows the emotional status When information belongs to abnormal emotion information, then illustrate that the user there may exist financial fraud behavior, in that case, virtual silver Row server can send indicating risk to virtual reality terminal.The indicating risk can be carried with the risk in Fig. 3 embodiments Show identical.Correspondingly, virtual bank's server can also freeze the operation for the target service that the user currently handles.
Further, when target service is fund class business, show that the emotional status information belongs to different in comparison result During normal emotional information, virtual bank's server can also be handled by virtual reality terminal acquisition user during the target service Involved beneficiary account, receiving bank, the user that collects money the beneficiary such as cell-phone number related information.Meanwhile virtual silver Row server can initiate audio call to terminals such as the mobile phones of beneficiary, if beneficiary is unresponsive, confirm that the user deposits Indicating risk is sent in financial fraud behavior, and to virtual reality terminal.
It is understood that on the basis of above example, handling for target service is completed in virtual bank's server After operation, virtual bank's server can also provide a user the technical account for handling the target service.
Such as, referring to Fig. 4, it illustrates the flow for providing technical account in the banking processing method of the application to the user Schematic diagram, the method for the present embodiment are introduced from virtual bank's server side, and the method for the present embodiment can include：
Technical account and the storage of the target service are handled in S401, virtual bank's server generation.
S402, virtual bank's server send the prompting of bill formal character to virtual reality terminal, with whole in virtual reality End exports bill formal character prompting.
Wherein, bill formal character prompting user prompts user to select e bill or paper bill.
Such as, virtual reality terminal can export the option of selection bill form by the form of dialog box, so that user selects Select, further, user's selection can be prompted in the form of voice prompt while reality goes out the option in the form of selecting bill Bill form.After the bill form that virtual reality terminal determines user's selection, the selection result of user is fed back into void Intend bank server.
S403, when virtual bank's server determines that user selects e bill, obtains the electronics of the targeted customer of storage Bill receives address, and the e bill got reception address is sent to virtual reality terminal, so that targeted customer verifies The e bill receives address.
Wherein, it can be the email address of targeted customer, the phone number etc. of targeted customer which, which receives address, Deng.
Virtual reality terminal can show that virtual bank's server returns in the first virtual display area of display screen The e bill to be determined returned receives address, and targeted customer is if it is confirmed that e bill reception address has no problem, then It can be confirmed with voice or be indicated by specified button input validation；If targeted customer thinks that the e bill receives address and has By mistake, correct e bill can also be inputted by virtual reality terminal and receives address.Correspondingly, virtual reality terminal is by user E bill after confirming or being modified receives address and receives address as the e bill confirmed through user, and is sent to Virtual bank's server.
S404, the e bill that virtual bank's server is determined according to the warp that virtual reality terminal returns receive address, with The form of e bill sends the technical account of the target service.
Such as, when e bill reception address is email address, the technical account of target service can be sent by mail To the recipient performed by the email address.
S405, when virtual bank's server determines that user selects paper bill, address is sent to virtual reality terminal Input prompting, so that user inputs the address received corresponding to paper bill.
S406, the target address that virtual bank's server is returned according to virtual reality terminal, generation include the target The item to be posted of the technical account of business and the target address, to indicate bank clerk according to the thing to be posted Item posts the technical account of the target service to targeted customer.
It is understood that virtual bank's server during can also registering customers as pre-set address make To specify address, and while address input prompting is sent to virtual reality terminal, it can indicate virtual reality terminal The prompting of address is specified in output selection, if targeted customer selects this to specify address, virtual bank's server obtains what is preserved The address of the targeted customer, and generate corresponding item to be posted.
Certainly, in addition to user inputs address, virtual server can also be by virtual reality terminal to target User provides mode of the selection bank outlets as address, in this way, targeted customer can select some target bank outlets, So that user oneself goes to the target bank outlets to check and accept corresponding technical account.Correspondingly, pass through virtual reality terminal in user After the information of target bank outlets is fed back to virtual bank's server, in the item to be posted of virtual bank's server generation Technical account including target bank outlets He the target service.
On the other hand, present invention also provides a kind of banking processing unit.
Such as, referring to Fig. 5, it illustrates a kind of composition structural representation of banking processing unit one embodiment of the application Figure, the device can be applied to virtual bank's server, and described device includes：
Receiving unit 501 is logged in, for receiving the logging request of virtual reality terminal transmission, which carries please Seek the target biometric information of the targeted customer of login；
Business recommended unit 502, for belonging to the biological characteristic collection of registered users when the target biometric information During biological information in conjunction, business recommended list and virtual bank's video are returned to the virtual reality terminal, with toilet State virtual reality terminal and show the business recommended list and virtual bank's scene video in virtual display, wherein, Virtual bank's scene video is going out based on virtual reality technology structure, the image handled including at least virtual bank Multiframe virtual reality image；
Virtual interacting unit 503, the targeted customer is received for described for working as by the virtual reality terminal During the business consultation of business recommended list, the corresponding consulting answer of the business consultation is determined, and indicate that the virtual reality is whole The consulting answer is handled into associated voice response as the virtual bank and is exported in end；
Page feedback unit 504, the targeted customer is received from the industry for working as by the virtual reality terminal When selecting the target service handled in business recommendation list, the page is handled to the virtual reality terminal return target service It is described to show in the virtual reality terminal and virtual bank manager handles the virtual of the page and introduce video to described While handling the page, the virtual scene image that the page is handled described in the virtual bank manager introduction is exported；
Business handling unit 505, for when by the virtual reality terminal get described in handle what is inputted in the page During business handling data, performed according to the business handling data and the target service is handled.
In one implementation, described device further includes：
Mood acquiring unit, for returning to business recommended list to the virtual reality terminal in the business recommended unit Afterwards, indicate that the virtual reality terminal gathers the emotional state information of the targeted customer；
Mood monitoring unit, for according to preset normal emotional state information, monitoring the target currently got Whether the emotional state information of user belongs to abnormal emotion information；
Exception processing unit, for when detecting the targeted customer there are during abnormal emotion information, to described virtual existing Real terminal sends the indicating risk there are financial swindling, and freezes the operation for the target service that the targeted customer currently handles.
In another implementation, the page feedback unit, including：
Type determination unit, the targeted customer is received from the business for working as by the virtual reality terminal When the target service handled is selected in recommendation list, the type of service described in the target service is determined；
First feedback subelement, for when the target service belong to signing open an account class business when, it is whole to pass through virtual reality End obtains the certificate information and biological information of the targeted customer, and belongs to perfect instrument letter in the verification certificate information Breath, and be the virtual reality when biological information and the biometric information matches of the targeted customer of storage Terminal returns to the transaction page of the target service and virtual bank manager regards virtual introduce for handling the page Frequently；
Second feedback subelement, for when the target service belongs to fund class business, being the virtual reality terminal The transaction page and virtual bank manager for returning to the target service handle the virtual of the page and introduce video to described.
In a kind of possible implementation, the business recommended unit, including：
Historical data obtains subelement, for belonging to the biological characteristic of registered users when the target biometric information During biological information in set, the historical record data of the targeted customer is obtained；
Business recommended subelement, for according to the historical record data, to the virtual reality terminal return with it is described The business recommended list that historical record data matches, and return to virtual bank's video to the virtual reality terminal.
In a kind of possible implementation, described device further includes：
Bill generation unit, for being performed in the business handling unit according to the business handling data to the target After the handling of business, technical account and the storage of the target service are handled in generation；
Bill presentment unit, for sending the prompting of bill formal character, the bill form to the virtual reality terminal Selection prompting is used to indicate that the virtual reality terminal notifying user selects e bill or paper bill；
First bill processing unit, targeted customer's selection electronics is got for working as by the virtual reality terminal During bill, the e bill for obtaining the targeted customer of storage receives address, and e bill reception address is sent to Virtual reality terminal, address is received so that the virtual reality terminal notifying user verifies the e bill；
Bill transmitting element, for receiving ground when the confirmed e bill for receiving the virtual reality terminal return During location, address is received according to the confirmed e bill, the business of the target service is sent in the form of e bill Bill；
Second bill processing unit, targeted customer's selection papery is got for working as by the virtual reality terminal During bill, address input prompting is sent to virtual reality terminal, so that user is connect by virtual reality terminal input Receive the address corresponding to paper bill；
Bill item generation unit, for when receiving the target address that the virtual reality terminal returns, generating The item to be posted of technical account comprising the target service and the target address, to indicate bank work people Member's item to be posted according to described in posts the technical account of the target service to the targeted customer.
It should be noted that each embodiment in this specification is described by the way of progressive, each embodiment weight Point explanation is all difference with other embodiment, between each embodiment identical similar part mutually referring to. For device class embodiment, since it is substantially similar to embodiment of the method, so description is fairly simple, related part ginseng See the part explanation of embodiment of the method.
Finally, it is to be noted that, herein, relational terms such as first and second and the like be used merely to by One entity or operation are distinguished with another entity or operation, without necessarily requiring or implying these entities or operation Between there are any actual relationship or order.Moreover, term " comprising ", "comprising" or its any other variant meaning Covering non-exclusive inclusion, so that process, method, article or equipment including a series of elements not only include that A little key elements, but also including other elements that are not explicitly listed, or further include for this process, method, article or The intrinsic key element of equipment.In the absence of more restrictions, the key element limited by sentence "including a ...", is not arranged Except also there are other identical element in the process including key element, method, article or equipment.
The foregoing description of the disclosed embodiments, enables those skilled in the art to realize or use the present invention.To this A variety of modifications of a little embodiments will be apparent for a person skilled in the art, and the general principles defined herein can Without departing from the spirit or scope of the present invention, to realize in other embodiments.Therefore, the present invention will not be limited The embodiments shown herein is formed on, and is to fit to consistent with the principles and novel features disclosed herein most wide Scope.
It the above is only the preferred embodiment of the present invention, it is noted that come for those skilled in the art Say, various improvements and modifications may be made without departing from the principle of the present invention, these improvements and modifications also should be regarded as Protection scope of the present invention.

Claims (10)

  1. A kind of 1. banking processing method, it is characterised in that applied to virtual bank's server, the described method includes：
    The logging request that virtual reality terminal is sent is received, which carries the target life for the targeted customer that request logs in Thing characteristic information；
    When the target biometric information belongs to the biological information in the biological characteristic set of registered users, to institute State virtual reality terminal and return to business recommended list and virtual bank's scene video, so that the virtual reality terminal is virtually being shown Show the business recommended list and virtual bank's scene video in display screen, wherein, virtual bank's scene video is Based on going out for virtual reality technology structure, including at least the multiframe virtual reality image of the image of virtual bank manager；
    When by the virtual reality terminal receive the targeted customer be directed to the business recommended list business consultation when, Determine the corresponding consulting answer of the business consultation, and indicate the virtual reality terminal using the consulting answer as the void Intend the associated voice response output of manager of bank；
    When receiving the mesh that the targeted customer selects to handle from the business recommended list by the virtual reality terminal During mark business, the page and virtual bank manager are handled to institute to the virtual reality terminal return target service State and handle the virtual of the page and introduce video, with the virtual reality terminal show it is described handle the page while, described in output The virtual scene image of the page is handled described in virtual bank's manager's introduction；
    When by the virtual reality terminal get it is described handle the business handling data inputted in the page when, according to the industry Business handles data execution and the target service is handled.
  2. 2. banking processing method according to claim 1, it is characterised in that returned to the virtual reality terminal After business recommended list, further include：
    Indicate that the virtual reality terminal gathers the emotional state information of the targeted customer；
    Whether the emotional state information of the targeted customer currently got according to preset normal emotional state information, monitoring Belong to abnormal emotion information；
    When detecting the targeted customer, there are during abnormal emotion information, being sent to the virtual reality terminal, there are financial swindling Indicating risk, and freeze the operation for the target service that the targeted customer currently handles.
  3. 3. banking processing method according to claim 1, it is characterised in that described to be returned to the virtual reality terminal The page of handling of the target service is returned, including：
    Determine the type of service described in the target service；
    When the target service belong to signing open an account class business when, pass through the certificate that virtual reality terminal obtains the targeted customer Information and biological information, and verifying that the certificate information belongs to perfect instrument information, and the biological information with During the biometric information matches of the targeted customer of storage, the friendship of the target service is returned for the virtual reality terminal The easy page；
    When the target service belongs to fund class business, the transaction page of the target service is returned for the virtual reality terminal Face.
  4. 4. banking processing method according to claim 1, it is characterised in that described to be returned to the virtual reality terminal Business recommended list is returned, including：
    Obtain the historical record data of the targeted customer；
    According to the historical record data, the business to match with the historical record data is returned to the virtual reality terminal Recommendation list.
  5. 5. banking processing method according to claim 1, it is characterised in that described according to the business handling number According to performing to after the handling of the target service, further including：
    Technical account and the storage of the target service are handled in generation；
    The prompting of bill formal character is sent to the virtual reality terminal, the bill formal character prompting is used to indicate the void Intend non-real end prompting user and select e bill or paper bill；
    When getting targeted customer's selection e bill by the virtual reality terminal, the target for obtaining storage is used The e bill at family receives address, and e bill reception address is sent to virtual reality terminal, so as to described virtual Non-real end prompting user verifies the e bill and receives address；
    When receiving the confirmed e bill reception address that the virtual reality terminal returns, according to described confirmed E bill receives address, and the technical account of the target service is sent in the form of e bill；
    When getting targeted customer's selection paper bill by the virtual reality terminal, sent to virtual reality terminal Address input prompting, so as to user by the mailing corresponding to virtual reality terminal input reception paper bill Location；
    When receiving the target address that the virtual reality terminal returns, generation includes the business account of the target service The item to be posted of single and described target address, to indicate item to be posted described in bank clerk foundation to institute State the technical account that targeted customer posts the target service.
  6. 6. a kind of banking processing unit, it is characterised in that applied to virtual bank's server, described device includes：
    Receiving unit is logged in, for receiving the logging request of virtual reality terminal transmission, which carries request and log in Targeted customer target biometric information；
    Business recommended unit, for belonging to the life in the biological characteristic set of registered users when the target biometric information During thing characteristic information, business recommended list and virtual bank's video are returned to the virtual reality terminal, so as to described virtual existing Real terminal shows the business recommended list and virtual bank's scene video in virtual display, wherein, it is described virtual Bank's scene video is going out based on virtual reality technology structure, virtual including at least the multiframe of the image of virtual bank manager Real world images；
    Virtual interacting unit, the targeted customer is received for described business recommended for working as by the virtual reality terminal During the business consultation of list, the corresponding consulting answer of the business consultation is determined, and indicate the virtual reality terminal by described in Seek advice from answer and handle associated voice response output as the virtual bank；
    Page feedback unit, the targeted customer is received from the business recommended row for working as by the virtual reality terminal When the target service handled is selected in table, the page and described is handled to what the virtual reality terminal returned to the target service Virtual bank manager handles the virtual of the page and introduces video to described, and described the page is handled to show in the virtual reality terminal While, export the virtual scene image that the page is handled described in the virtual bank manager introduction；
    Business handling unit, for when by the virtual reality terminal get described in handle the business handling inputted in the page During data, performed according to the business handling data and the target service is handled.
  7. 7. banking processing unit according to claim 6, it is characterised in that further include：
    Mood acquiring unit, for the business recommended unit to the virtual reality terminal return business recommended list it Afterwards, indicate that the virtual reality terminal gathers the emotional state information of the targeted customer；
    Mood monitoring unit, for according to preset normal emotional state information, monitoring the targeted customer currently got Emotional state information whether belong to abnormal emotion information；
    Exception processing unit, it is whole to the virtual reality for when detecting the targeted customer there are during abnormal emotion information End sends the indicating risk there are financial swindling, and freezes the operation for the target service that the targeted customer currently handles.
  8. 8. banking processing unit according to claim 6, it is characterised in that the page feedback unit, including：
    Type determination unit, for when receiving the targeted customer from described business recommended by the virtual reality terminal When the target service handled is selected in list, the type of service described in the target service is determined；
    First feedback subelement, for when the target service belong to signing open an account class business when, obtained by virtual reality terminal The certificate information and biological information of the targeted customer is taken, and belongs to perfect instrument information in the verification certificate information, And it is the virtual reality terminal when biological information and the biometric information matches of the targeted customer of storage The transaction page and virtual bank manager for returning to the target service handle the virtual of the page and introduce video to described；
    Second feedback subelement, for when the target service belongs to fund class business, being returned for the virtual reality terminal The transaction page of the target service and virtual bank manager handle the virtual of the page and introduce video to described.
  9. 9. banking processing unit according to claim 6, it is characterised in that the business recommended unit, including：
    Historical data obtains subelement, for belonging to the biological characteristic set of registered users when the target biometric information In biological information when, obtain the historical record data of the targeted customer；
    Business recommended subelement, for according to the historical record data, being returned and the history to the virtual reality terminal The business recommended list of data match is recorded, and virtual bank's video is returned to the virtual reality terminal.
  10. A kind of 10. banking system, it is characterised in that including：
    Virtual bank's server and the virtual reality terminal being connected with virtual bank's server by network；
    Wherein, the virtual reality terminal, for logging request, the logging request will to be sent to virtual bank's server Carry the target biometric information for the targeted customer that request logs in；Show the business that virtual bank's server returns to push away List and virtual bank's scene video are recommended, wherein, virtual bank's video is going out based on virtual reality technology structure, extremely The multiframe virtual reality image of image less comprising virtual bank manager；The targeted customer is directed to the business recommended list Business consultation feed back to virtual bank's server, and the consulting answer that virtual bank's server is returned is as institute State virtual bank and handle associated voice response output；The target that the targeted customer is selected from the business recommended list The information of business is sent to virtual bank's server；Show virtual bank's server return and handle the page, and export The virtual scene image of the page is handled described in virtual bank manager's introduction that the virtual bank manager returns；By the mesh User is marked to the business handling data sending inputted in the page of handling to virtual bank's server；
    Virtual bank's server, has been noted for receiving the logging request, and when the target biometric information belongs to During biological information in the biological characteristic set of volume user, the business recommended list is returned to the virtual reality terminal With virtual bank's scene video；The business recommended row are directed to when receiving the targeted customer by the virtual reality terminal During the business consultation of table, the corresponding consulting answer of the business consultation is determined, and return to the virtual reality terminal；When definite During the target service that targeted customer's selection is handled, to the virtual reality terminal return the target service handle the page and Virtual bank manager handles the virtual of the page and introduces video to described；And work as and institute is got by the virtual reality terminal State when handling the business handling data inputted in the page, performed according to the business handling data and the target service is done Reason.
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CN112866171A (en) * 2019-11-12 2021-05-28 重庆一七科技开发有限公司 Method for logging in other social contact platforms and acquiring related information by virtual reality equipment
CN113159733A (en) * 2021-05-14 2021-07-23 中国建设银行股份有限公司 Online processing method, device and equipment for accumulation fund extraction service and storage medium
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