WO2019134218A1 - 基于vtm的转账方法、装置、服务器和存储介质 - Google Patents

基于vtm的转账方法、装置、服务器和存储介质 Download PDF

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Publication number
WO2019134218A1
WO2019134218A1 PCT/CN2018/076376 CN2018076376W WO2019134218A1 WO 2019134218 A1 WO2019134218 A1 WO 2019134218A1 CN 2018076376 W CN2018076376 W CN 2018076376W WO 2019134218 A1 WO2019134218 A1 WO 2019134218A1
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WIPO (PCT)
Prior art keywords
transfer
information
vtm
verification
remote agent
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Application number
PCT/CN2018/076376
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English (en)
French (fr)
Inventor
李永平
高凌云
牛华
李长缤
凌永辉
Original Assignee
平安科技（深圳）有限公司
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Publication of WO2019134218A1 publication Critical patent/WO2019134218A1/zh

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Classifications

    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

Definitions

  • the present application relates to the field of financial industry self-service devices, and in particular, to VTM-based transfer methods, devices, servers, and storage media.
  • VTM Virtual Teller
  • VTM terminal is also called virtual teller machine.
  • VTM service is an emerging banking service integrating electronic banking service and manual counter service. It combines visual, listening, self-service and personal service (the salesman guides the customer through video). Completion of business processing), for example, the salesperson communicates with the customer in the video to guide the customer's operation. This technology is convenient for the user to use, and there is a hidden danger that the information is not safe when the user operates.
  • the main purpose of the present application is to provide a VTM-based transfer method, device, server and storage medium, and set different verification methods in real-time manual transfer, aiming at reducing the risk of transfer based on VTM terminal.
  • the present application provides a VTM-based transfer method, and the VTM-based transfer method includes the following steps:
  • the VTM-based transfer method includes the following steps:
  • the user account information corresponding to the transfer request is obtained, and the remote agent is connected to the user account;
  • the step of acquiring the user account information corresponding to the transfer request, and connecting the remote account to the user account, if the instant manual transfer instruction is triggered includes:
  • the real-time manual transfer instruction is triggered, obtaining the geographical location information carried in the instant manual transfer instruction, to allocate the remote agent end to the user according to the geographical location information and the state of all the remote agent terminals;
  • the remote agent corresponding to the salesperson accepts the instant manual transfer request, the remote account is connected to the user account, and the video communication is started.
  • the step of receiving the transfer verification rule determined by the remote agent according to the transfer information to authenticate the user that triggers the transfer request according to the transfer verification rule includes:
  • the verification rule includes biometric verification, comparing the biometric verification information with the pre-stored standard information
  • the user identity verification that triggered the transfer request passes.
  • the step of comparing the biometric verification information with the pre-stored standard information includes:
  • the verification rule includes a biometric verification rule, triggering an acquisition instruction of the biometric verification information
  • the preset acquisition device is started according to the obtaining instruction, and the facial image, the fingerprint information, and/or the voiceprint information of the user-specified angle that triggers the transfer request is collected;
  • the facial image, the fingerprint information, and/or the voiceprint information are used as biometric verification information, and the biometric verification information is compared with the pre-stored standard information for identity verification.
  • the step of authenticating the user account and performing the instant transfer includes:
  • the user account When it is detected that the authentication is passed, the user account is authorized to be authenticated, and the transfer account related information is obtained based on the transfer information;
  • a confirmation step based on the VTM terminal input is received, and the transfer step is performed.
  • the method includes:
  • the method includes:
  • the instant manual transfer instruction is not triggered, obtaining the transfer information input based on the VTM terminal, and acquiring the transfer account related information based on the transfer information;
  • a confirmation step based on the VTM terminal input is received, and the transfer step is performed.
  • the present application further provides a VTM-based transfer device
  • the VTM based transfer device includes:
  • a receiving and acquiring module configured to receive a transfer request triggered by the VTM terminal, obtain transfer information of the transfer request, and determine, according to the transfer information, whether an immediate manual transfer instruction is triggered;
  • Obtaining a connection module configured to: if the instant manual transfer instruction is triggered, obtain user account information corresponding to the transfer request, and connect the remote agent to the user account;
  • An identity verification module configured to receive a transfer verification rule determined by the remote agent according to the transfer information, to perform identity verification on the user that triggers the transfer request according to the transfer verification rule;
  • the verification transfer module is configured to authenticate the user account and perform an instant transfer when the authentication is detected to pass.
  • the present application further provides a server
  • the server includes: a camera, a memory, a processor, and a VTM-based transfer program stored on the memory and operable on the processor, wherein: the server is in communication with a VTM terminal and a remote agent.
  • the camera is used for capturing and obtaining user picture data;
  • VTM-based transfer program is executed by the processor to implement the following steps:
  • the user account information corresponding to the transfer request is obtained, and the remote agent is connected to the user account;
  • the present application further provides a storage medium
  • VTM-based transfer program is stored on the storage medium, and the VTM-based transfer program is executed by the processor to implement the following steps:
  • the user account information corresponding to the transfer request is obtained, and the remote agent is connected to the user account;
  • a VTM-based transfer method, apparatus, VTM terminal, and storage medium are provided in the embodiments of the present application; the VTM-based transfer method includes the following steps: receiving a transfer request triggered by a VTM terminal, acquiring transfer information of the transfer request, and Determining, according to the transfer information, whether an immediate manual transfer instruction is triggered; if an immediate manual transfer instruction is triggered, obtaining user account information corresponding to the transfer request, and connecting the remote agent end to the user account; and receiving the remote agent end according to the transfer information
  • the transfer verification rule is to authenticate the user who triggered the transfer request according to the transfer verification rule; when it is detected that the authentication is passed, the user account is authenticated and the instant transfer is performed.
  • the server authenticates different transfer users by using different verification rules according to the transfer information.
  • the user can initiate a assistance request based on the VTM terminal to connect to the remote agent, and connect the corresponding salesperson of the remote agent to use the bank.
  • the password is logged in to the VTM terminal used by the transfer user to obtain the service desktop of the user for targeted guidance, so that the user can perform the transfer operation more conveniently, and the VTM terminal transfer is reduced while ensuring the user operation experience. Risk.
  • FIG. 1 is a schematic structural diagram of an apparatus of a hardware operating environment involved in an embodiment of the present application
  • FIG. 2 is a schematic flowchart of a first embodiment of a VTM-based transfer method according to the present application
  • FIG. 3 is a schematic diagram showing a refinement process of step S30 of the VTM-based transfer method in FIG. 2;
  • FIG. 4 is a schematic flowchart of a second embodiment of a VTM-based transfer method according to the present application.
  • FIG. 5 is a schematic diagram of functional modules of an embodiment of a VTM-based transfer device according to the present application.
  • FIG. 6 is a schematic diagram of a specific scenario of a VTM-based transfer method according to an embodiment of the present application.
  • VTM processing banking business in the prior art is based on the processing process of the counter business, the processes are uniformly moved to the line and cooperate with the information acquisition control and the video core component of the integrated machine to complete the business required by the cabinet. Diversion replaces the purpose of labor.
  • the application provides a VTM-based transfer method.
  • the VTM-based transfer method is applied to a server, and the server communicates with the VTM terminal and the remote agent. As shown in FIG. 6, the server receives the transfer request triggered by the user based on the VTM terminal, and obtains the transfer.
  • the server obtains the user account information corresponding to the transfer request, and connects the remote agent to the user account, at the remote agent end
  • the server sends the transfer information to the remote agent to make the remote agent (or the corresponding salesperson at the remote agent)
  • the server receives the transfer verification rule determined by the remote agent according to the transfer information, to perform identity verification on the user who triggered the transfer request according to the transfer verification rule; Authorize and perform instant transfer with the user account.
  • FIG. 1 is a schematic structural diagram of a server in a hardware operating environment involved in an embodiment of the present application.
  • the server of the embodiment of the present application may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, and a communication bus 1002.
  • the communication bus 1002 is used to implement connection communication between these components.
  • the user interface 1003 can include a display, an input unit such as a keyboard, and the optional user interface 1003 can also include a standard wired interface, a wireless interface.
  • the network interface 1004 can optionally include a standard wired interface, a wireless interface (such as a WI-FI interface).
  • the memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.
  • the server may also include a camera, RF (Radio) Frequency, RF) circuit, sensor, audio circuit, WiFi module; input unit, display screen, touch screen; network interface optional in addition to wireless interface in addition to WiFi, Bluetooth, probe, 3G/4G/5G networked base station equipment, etc. .
  • sensors such as light sensors, motion sensors, and other sensors.
  • the server can also be configured with other sensors such as a gyroscope, a barometer, a hygrometer, a thermometer, an infrared sensor, and the like, and will not be described herein.
  • server structure illustrated in FIG. 1 does not constitute a limitation to the server, and may include more or fewer components than those illustrated, or some components may be combined, or different component arrangements.
  • the computer software product is stored in a storage medium (storage medium: also called computer storage medium, computer medium, readable medium, readable storage medium, computer readable storage medium or directly called medium, such as ROM).
  • storage medium also called computer storage medium, computer medium, readable medium, readable storage medium, computer readable storage medium or directly called medium, such as ROM).
  • /RAM, disk, CD-ROM including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method described in the various embodiments of the present application as a
  • the memory 1005 of the computer storage medium may include an operating system, a network communication module, a user interface module, and a VTM-based transfer application.
  • the network interface 1004 is mainly used to connect a back-end database (cloud), and a back-end database (cloud) for data communication;
  • the user interface 1003 is mainly used to connect a client (user end), and a client.
  • Data communication is performed; and the processor 1001 can be used to invoke a VTM-based transfer application stored in the memory 1005 and perform the steps in the VTM-based transfer method provided by the following embodiments of the present application.
  • the VTM-based transfer method includes:
  • Step S10 Receive a transfer request triggered by the VTM terminal, obtain transfer information of the transfer request, and determine whether to trigger an immediate manual transfer instruction according to the transfer information.
  • the user inserts the bank card on the VTM terminal and clicks the transfer icon on the VTM terminal to trigger the transfer request based on the VTM terminal.
  • the VTM terminal displays the transfer information on the display interface (
  • the transfer information includes the payee account number, name, and amount;
  • the server receives the transfer request triggered by the VTM terminal, acquires the transfer information of the transfer request, and determines whether to trigger an immediate manual transfer instruction according to the transfer information, for example, the user
  • the transfer amount exceeds the preset value (the preset value can be set according to the specific situation, for example, 50000)
  • the VTM terminal automatically triggers the instant manual transfer instruction according to the transfer amount input by the user, or the button of the instant manual transfer on the display interface of the VTM terminal
  • the user manually triggers an instant manual transfer instruction based on the manual transfer button, and the server connected to the VTM terminal can detect whether the user triggers an instant manual transfer instruction based on the manual transfer button.
  • step S10 the method further includes:
  • step A1 if the instant manual transfer instruction is not triggered, obtaining the transfer information input based on the VTM terminal, and acquiring the transfer account related information based on the transfer information;
  • step a2 the information about the transfer account is displayed on the display interface of the VTM terminal for the user to confirm;
  • Step a3 receiving a confirmation instruction input based on the VTM terminal, and performing a transfer step.
  • the server detects that the user does not trigger the instant manual transfer instruction at the VTM terminal, acquiring the transfer information (transfer information: including the account corresponding to the transfer account, the transfer amount, etc.) input based on the VTM terminal, and obtaining the transfer account based on the transfer information.
  • Relevant information, (transfer account related information, for example, payee name;) that is, the server obtains information corresponding to the transfer account according to the transfer information input by the user, and displays the transfer account related information on the display interface of the VTM terminal, For the user to confirm; receive the confirmation command based on the VTM terminal input, and perform the transfer step.
  • Step S20 If an immediate manual transfer instruction is triggered, the user account information corresponding to the transfer request is obtained, and the remote agent is connected to the user account.
  • the server obtains the user account information corresponding to the transfer request, that is, the server identifies the bank card inserted on the VTM terminal, and obtains the inserted bank card account number, bank card address information, or corresponding account holder information as The user account information corresponding to the transfer request, and the server connects the remote agent to the user account according to the user account information.
  • the server obtains the user account information corresponding to the transfer request, that is, the server identifies the bank card inserted on the VTM terminal, and obtains the inserted bank card account number, bank card address information, or corresponding account holder information as The user account information corresponding to the transfer request, and the server connects the remote agent to the user account according to the user account information.
  • step B1 if the instant manual transfer instruction is triggered, obtaining the geographical location information carried in the instant manual transfer instruction, to allocate the remote agent end to the user according to the geographical location information and the state of all the remote agent terminals;
  • step B2 receiving, according to the feedback information sent by the remote agent, determining, according to the feedback information, whether the corresponding agent of the remote agent accepts the instant manual transfer request;
  • step B3 If the remote agent corresponding to the salesperson accepts the instant manual transfer request, connect the remote agent to the user account, and enable video communication.
  • the geographic location information carried in the instant manual transfer instruction is obtained, and the remote agent is allocated to the user according to the geographical location information and the state of all the remote agent terminals. That is, the server determines the corresponding address information that needs to be sent by the transfer request according to the address information of the bank card (or the address where the VTM terminal is located), and the server obtains the state information of the remote agent end corresponding to the address, and is based on the location of the remote agent.
  • the status information is that the instant manual transfer is allocated to the corresponding remote agent.
  • the server obtains the location of the VTM terminal in Shenzhen, Guangdong province, and the server obtains the information of the remote agent in Shenzhen, Guangdong province, and according to the location of the remote agent.
  • the status is that the manual transfer is immediately assigned to the corresponding remote agent.
  • the server receives the feedback information sent by the remote agent, and determines, according to the feedback information, whether the remote agent corresponding salesperson accepts the instant manual transfer request; The corresponding salesperson accepts the instant Transfer request workers, compared with the user account ends connected to the remote agent, and open video communication.
  • the remote agent determines whether the user who initiated the transfer request is authenticated according to the transfer amount in the transfer information, that is, the remote agent obtains the transfer amount in the transfer information, and the transfer amount and the preset verification rule (pre-
  • the verification rule includes a transfer verification rule corresponding to the different transfer amount of the pre-selected setting for comparison; and the verification rule matching the transfer amount in the preset verification rule is obtained.
  • Step S30 Receive a transfer verification rule determined by the remote agent according to the transfer information, to perform identity verification on the user that triggers the transfer request according to the transfer verification rule.
  • the server receives the transfer verification rule determined by the remote agent according to the transfer information, and the server authenticates the user who triggered the transfer request according to the transfer verification rule determined by the remote agent. For example, if the user transfer amount is 5000 yuan, the remote agent determines the The transfer rule is the mobile phone dynamic password verification, the server obtains the mobile phone number corresponding to the user account, and sends the mobile phone number to the dynamic verification verification code, and the user can send the dynamic verification code received by the mobile phone to the server for the user to perform identity verification;
  • the user transfer amount is 50,000 yuan
  • the transfer rule determined by the remote agent is the mobile phone dynamic password verification plus the user fingerprint verification
  • the server obtains the mobile phone number corresponding to the user account and sends the mobile phone number to the dynamic verification verification code, and the user can set himself
  • the dynamic verification code received by the mobile phone and its own fingerprint information are sent to the server for user authentication.
  • Step S40 when it is detected that the authentication is passed, the user account is authenticated and the instant transfer is performed.
  • the server When the server detects that the user authentication is passed, the server authenticates the user account, that is, when the user passes the user authentication, the user can transfer the money in the bank card, specifically, the server obtains the transfer account based on the transfer information. Relevant information; the server displays the information about the transfer account on the display interface of the VTM terminal for the user to confirm; for example, the display interface of the VTM terminal displays the payment account as: 6523 Xxxx xxxx xxxx545; payee name: Wu (xx), the transfer user confirms at the VTM terminal, and the server receives the confirmation command input based on the VTM terminal, and performs the transfer procedure.
  • the server authenticates different transfer users by using different verification rules according to the transfer information.
  • the user can initiate a service request based on the VTM terminal to connect to the remote agent and connect the service corresponding to the remote agent.
  • the user uses the password provided by the bank to log in to the VTM terminal used by the transfer user to obtain the service desktop of the user for targeted guidance, so that the user can perform the transfer operation more conveniently, and the user operation experience is reduced while reducing the user experience. Risk based on VTM terminal transfers.
  • the present embodiment is further proposed.
  • the difference between this embodiment and the first embodiment of the present application is that the biometric feature is further illustrated in this embodiment. a method of verifying the identity of a transfer user;
  • the VTM based transfer method includes:
  • Step S31 Receive a transfer verification rule determined by the remote agent according to the transfer information, and determine whether the verification rule includes biometric verification.
  • the server receives the transfer verification rule determined by the remote agent according to the transfer information, and the server obtains the verification rule determined by the remote agent, and determines whether the verification rule includes the biometric verification (the biometric verification is the verification of the person who triggered the transfer request) That is, the server compares the biometric characteristics of the transfer user with the biometric characteristics of the bank card issuer, and verifies whether the transfer user is a bank card issuer, for example, the server verifies that the transferred user avatar is the same as the pre-selected saved user image. ).
  • Step S32 If the verification rule includes biometric verification, compare the biometric verification information with the pre-stored standard information.
  • the server determines, if the verification rule includes the biometric verification rule, triggers the acquisition instruction of the biometric verification information; the server starts the preset collection device according to the obtaining instruction (the preset collection device determines the verification information according to the need, if necessary, collects
  • the verification information is the facial image of the user, and the collection device is a camera. If the verification information to be collected is the fingerprint information of the user, the collection device is a fingerprint identifier, and if the verification information to be collected is the voiceprint information of the user, the collection is performed.
  • the device is a recording setting), collecting a facial image, fingerprint information or voiceprint information of a user-specified angle that triggers the transfer request; the server uses the facial image, the fingerprint information and/or the voiceprint information as biometric verification information, and the living creature Feature verification information and pre-stored standard information (pre-stored standard information: refers to the information collected by the user when the bank card is opened, for example, the photo information taken by the user when the bank card is opened, and the collected user fingerprint information) Authenticate.
  • pre-stored standard information refers to the information collected by the user when the bank card is opened, for example, the photo information taken by the user when the bank card is opened, and the collected user fingerprint information
  • Step S33 If the biometric verification information matches the pre-stored standard information, the user identity verification that triggers the transfer request passes.
  • the server biometric verification information matches the pre-stored standard information, if the user identity verification triggering the transfer request is passed, the server grants the user account authority, and the user can automatically transfer the transfer account corresponding to the bank card; if the biometric verification information is If the pre-stored standard information does not match, the user identity verification that triggers the transfer request fails, the server does not grant the user account authority, and the user cannot automatically transfer the transfer account corresponding to the bank card, and the server performs the account corresponding to the bank card. locking.
  • the server verifies the user who triggers the transfer request, that is, the server verifies the transfer person, improves the security of the transfer account while ensuring the convenience of the user operation, and prevents the loss caused by the leakage of the user information.
  • the VTM-based transfer method includes:
  • Step S50 When it is detected that the remote assistance request is triggered based on the VTM terminal, the remote assistance request is obtained and the shared password is set.
  • VTM terminal Users can use the VTM terminal to complete services such as card opening and wealth transfer, so that customers can provide 24-hour service. If the user chooses to transfer financial services, the VTM terminal automatically invokes the service interface to prompt the customer how to complete the transfer. The customer can not understand the prompt of the VTM terminal, and can communicate with the salesman through the video. If the card opening service cannot be completed in the video with the salesman (if a function button cannot be found), the remote assistance request can be triggered. When receiving the triggering remote assistance request, the VTM terminal generates a shared password, adds the shared password to the remote assistance request, and sends the shared password to the server, so that the server sends the remote assistance request to the remote agent to request the remote assistance of the salesperson. .
  • Step S60 Send the remote assistance request carrying the shared password to the remote agent, so that the remote agent verifies the VTM terminal.
  • the server sends the remote assistance request to the remote agent, and requests the remote assistance of the remote agent to carry the remote assistance request of the shared password.
  • the server receives the remote assistance request sent by the VTM terminal (carrying the shared password)
  • the shared password in the remote assistance request can be extracted and sent to the remote agent according to the shared password, so that the remote agent verifies the VTM terminal, that is, the shared password in the remote assistance request sent by the remote agent to the server.
  • the comparison with the shared password in the preset VTM terminal (the shared password in the preset VTM terminal: is a predefined shared password).
  • Step S70 receiving the verification result sent by the remote agent, and if the verification is passed, Then, the current desktop of the VTM terminal is remotely shared to the remote agent end, so that the remote agent corresponds to the salesperson for remote assistance.
  • the remote agent compares the shared password in the remote assistance request sent by the server with the shared password in the preset VTM terminal; if the shared password in the remote assistance request sent by the server matches the shared password in the preset VTM terminal If the verification fails, the shared password in the remote assistance request sent by the server does not match the shared password in the preset VTM terminal, and the verification fails.
  • the remote agent corresponds to the salesperson receiving the shared desktop. After that, you can specifically guide/assisted user operations to complete the transfer business.
  • the assistance request is initiated to connect to the remote agent, and the salesperson corresponding to the remote agent uses the password provided by the bank to log in to the VTM terminal used by the client to obtain the service desktop of the client.
  • the user's operation is more convenient, and the security risks caused by virus implantation by other terminal devices are avoided.
  • the embodiment of the present application further provides a VTM-based transfer device, where the VTM-based transfer device includes:
  • the receiving and obtaining module 10 is configured to receive a transfer request triggered by the VTM terminal, obtain transfer information of the transfer request, and determine, according to the transfer information, whether an immediate manual transfer instruction is triggered;
  • the obtaining connection module 20 is configured to: if the instant manual transfer instruction is triggered, obtain the user account information corresponding to the transfer request, and connect the remote agent to the user account;
  • the authentication module 30 is configured to receive a transfer verification rule determined by the remote agent according to the transfer information, to perform identity verification on the user that triggers the transfer request according to the transfer verification rule;
  • the verification transfer module 40 is configured to authorize the user account and authorize the instant transfer when the authentication is detected to pass.
  • the steps of implementing the VTM-based transfer method of the VTM-based transfer device may refer to various embodiments of the VTM-based transfer method of the present application, and details are not described herein again.
  • the embodiment of the present application further provides a storage medium.
  • the storage medium also called a computer storage medium, stores a VTM-based transfer program, and the VTM-based transfer program is executed by the processor to implement the operations in the VTM-based transfer method provided by the above embodiments.
  • the description is relatively simple, and the relevant parts can be referred to the description of the method embodiment.
  • the device embodiments described above are merely illustrative, and the units illustrated as separate components may or may not be physically separate.
  • the purpose of the solution of the present application can be achieved by selecting some or all of the modules according to actual needs. Those of ordinary skill in the art can understand and implement without any creative effort.
  • the technical solution of the present application which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM as described above). , a disk, an optical disk, including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in the various embodiments of the present application.
  • a terminal device which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.

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Abstract

本申请公开了一种基于VTM的转账方法，所述基于VTM的转账方法应用于服务器，服务器与VTM终端和远程坐席端通信连接；包括以下步骤：接收基于VTM终端触发的转账请求，获取转账请求的转账信息，并根据转账信息判断是否触发即时人工转账指令；若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为用户账户连接远程坐席端；接收远程坐席端根据转账信息确定的转账验证规则，以根据转账验证规则对用户进行身份验证；当检测到身份验证通过时，则给与用户账户验证授权并执行即时转账。本申请还公开了一种基于VTM的转账装置、服务器和存储介质。本申请采用不同的验证规则对进行转账验证，降低了基于VTM的转账的风险性。

Description

基于VTM的转账方法、装置、服务器和存储介质
本申请要求于2018年1月8日提交中国专利局、申请号为201810020501.4发明名称为“基于VTM的转账方法、装置、服务器和存储介质”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本申请涉及金融业自助设备技术领域，尤其涉及基于VTM的转账方法、装置、服务器和存储介质。
背景技术
目前大部分银行的业务，都需要到柜台由业务员进行办理，这导致客户排队时间过长，最终导致客户流失或者体验下降，同时过多的业务就需要更多的工作人员，这会使用工成本增加。
因而现有的金融行业出现了VTM(Virtual Teller Machine，VTM终端又叫虚拟柜员机)部分替代业务员的工作，VTM服务是综合电子银行服务和人工柜台服务的新兴银行服务，其结合了视、听、自助和专人服务(业务员通过视频指引客户完成业务办理)，例如业务员在视频中与客户交流，指导客户操作，该技术在方便了用户使用的同时，会出现用户操作时信息不安全的隐患。
上述内容仅用于辅助理解本申请的技术方案，并不代表承认上述内容是现有技术。
发明内容
本申请的主要目的在于提供一种基于VTM的转账方法、装置、服务器和存储介质，在即时人工转账时设置不同的验证方式，旨在降低基于VTM终端转账的风险性。
为实现上述目的，本申请提供一种基于VTM的转账方法，所述基于VTM的转账方法包括以下步骤：
所述基于VTM的转账方法包括以下步骤：
接收基于VTM终端触发的转账请求，获取所述转账请求的转账信息，并根据所述转账信息判断是否触发即时人工转账指令；
若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为所述用户账户连接远程坐席端；
接收远程坐席端根据转账信息确定的转账验证规则，以根据所述转账验证规则对触发转账请求的用户进行身份验证；
当检测到身份验证通过时，则给与用户账户验证授权并执行即时转账。
可选地，所述若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为所述用户账户连接远程坐席端的步骤，包括：
若触发即时人工转账指令，则获取即时人工转账指令中携带的地理位置信息，以根据所述地理位置信息和全部远程坐席端所处状态为所述用户分配远程坐席端；
接收基于远程坐席端发送的反馈信息，根据所述反馈信息判断所述远程坐席端对应业务员是否受理所述即时人工转账请求；
若所述远程坐席端对应业务员受理所述即时人工转账请求，则为所述用户账户连接远程坐席端，并开启视频通信。
可选地，所述接收远程坐席端根据转账信息确定的转账验证规则，以根据所述转账验证规则对触发转账请求的用户进行身份验证的步骤包括：
接收远程坐席端根据转账信息确定的转账验证规则，并判断所述验证规则中是否包含生物特征验证；
若所述验证规则中包含生物特征验证，则将所述生物特征验证信息与预存标准信息进行比对；
若所述生物特征验证信息与预存标准信息匹配，则触发转账请求的用户身份验证通过。
可选地，所述若所述验证规则中包含生物特征验证，则将所述生物特征验证信息与预存标准信息进行比对的步骤包括：
若所述验证规则中包含生物特征验证规则，则触发生物特征验证信息的获取指令；
根据所述获取指令开启预置采集装置，采集触发转账请求的用户指定角度的面部图像、指纹信息和/或者声纹信息；
将所述面部图像、指纹信息和/或者声纹信息作为生物特征验证信息，将所述生物特征验证信息与预存标准信息进行比对，以进行身份验证。
可选地，所述当检测到身份验证通过时，则给与用户账户验证授权并执行即时转账的步骤包括：
当检测到身份验证通过时，给与用户账户验证授权，并基于转账信息获取转账账户相关信息；
在所述VTM终端的显示界面上显示所述转账账户相关信息，以供用户进行确认；
接收基于VTM终端输入的确认指令，执行转账步骤。
可选地，所述若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为所述用户账户连接远程坐席端的步骤之后，包括：
当检测到基于VTM终端触发远程协助请求时，获取远程协助请求并设置共享密码；
将携带所述共享密码的远程协助请求，发送至远程坐席端，以使远程坐席端对VTM终端进行验证；
接收远程坐席端发送的验证结果，若验证通过， 则将VTM终端当前桌面远程共享至远程坐席端，以使远程坐席端对应业务员进行远程协助。
可选地，所述接收基于VTM终端触发的转账请求，获取所述转账请求的转账信息，并根据所述转账信息判断是否触发即时人工转账指令的步骤之后，包括：
若没有触发即时人工转账指令，则获取基于VTM终端输入的转账信息，并基于转账信息获取转账账户相关信息；
在所述VTM终端的显示界面上显示所述转账账户相关信息，以供用户进行确认；
接收基于VTM终端输入的确认指令，执行转账步骤。
此外，为实现上述目的，本申请还提供一种基于VTM的转账装置；
所述基于VTM的转账装置包括：
接收获取模块，用于接收基于VTM终端触发的转账请求，获取所述转账请求的转账信息，并根据所述转账信息判断是否触发即时人工转账指令；
获取连接模块，用于若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为所述用户账户连接远程坐席端；
身份验证模块，用于接收远程坐席端根据转账信息确定的转账验证规则，以根据所述转账验证规则对触发转账请求的用户进行身份验证；
验证转账模块，用于当检测到身份验证通过时，则给与用户账户验证授权并执行即时转账。
此外，为实现上述目的，本申请还提供一种服务器；
所述服务器包括：摄像头、存储器、处理器及存储在所述存储器上并可在所述处理器上运行的基于VTM的转账程序，其中：所述服务器与VTM终端、远程坐席端通信连接，所述摄像头，用于拍摄获取用户图片数据；
所述基于VTM的转账程序被所述处理器执行时实现如下步骤：
接收基于VTM终端触发的转账请求，获取所述转账请求的转账信息，并根据所述转账信息判断是否触发即时人工转账指令；
若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为所述用户账户连接远程坐席端；
接收远程坐席端根据转账信息确定的转账验证规则，以根据所述转账验证规则对触发转账请求的用户进行身份验证；
当检测到身份验证通过时，则给与用户账户验证授权并执行即时转账。
此外，为实现上述目的，本申请还提供一种存储介质；
所述存储介质上存储有基于VTM的转账程序，所述基于VTM的转账程序被处理器执行时实现以下的步骤：
接收基于VTM终端触发的转账请求，获取所述转账请求的转账信息，并根据所述转账信息判断是否触发即时人工转账指令；
若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为所述用户账户连接远程坐席端；
接收远程坐席端根据转账信息确定的转账验证规则，以根据所述转账验证规则对触发转账请求的用户进行身份验证；
当检测到身份验证通过时，则给与用户账户验证授权并执行即时转账。
本申请实施例提出的一种基于VTM的转账方法、装置、VTM终端和存储介质；基于VTM的转账方法包括以下步骤：接收基于VTM终端触发的转账请求，获取所述转账请求的转账信息，并根据所述转账信息判断是否触发即时人工转账指令；若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为所述用户账户连接远程坐席端；接收远程坐席端根据转账信息确定的转账验证规则，以根据所述转账验证规则对触发转账请求的用户进行身份验证；当检测到身份验证通过时，则给与用户账户验证授权并执行即时转账。服务器根据转账信息不同通过采用不同的验证规则对不同的转账用户进行身份验证，与此同时，用户可以基于VTM终端发起协助请求到连接远程坐席端，连接远程坐席端对应的业务员利用银行提供的密码登录到转账用户所使用的VTM终端，获取该用户的业务桌面以进行针对性的指导，使得用户可以更加便捷地进行转账操作，在保证用户操作体验的同时，减小了基于VTM终端转账的风险性。
附图说明
图1是本申请实施例方案涉及的硬件运行环境的装置结构示意图；
图2为本申请基于VTM的转账方法第一实施例的流程示意图；
图3为图2中基于VTM的转账方法的步骤S30的细化流程示意图；
图4为本申请基于VTM的转账方法第二实施例的流程示意图;
图5为本申请基于VTM的转账装置一实施例的功能模块示意图；
图6为本申请基于VTM的转账方法一实施例的具体场景示意图。
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
由于现有技术中的基于VTM办理银行业务是根据柜面业务的办理流程，把这些流程统一搬到线上并配合一体机的信息采集控件及视频核身组件，完成临柜要求的业务，达到分流替代人工的目的。
本申请提供一种基于VTM的转账方法，基于VTM的转账方法应用于服务器，服务器与VTM终端、远程坐席端通信连接，如图6所示，服务器接收用户基于VTM终端触发的转账请求，获取转账请求的转账信息，并根据所述转账信息判断是否触发即时人工转账指令；若触发即时人工转账指令，则服务器获取转账请求对应的用户账户信息，并为用户账户连接远程坐席端，在远程坐席端对应的业务员接收转账请求时，服务器将转账信息发送至远程坐席端，以使远程坐席端(或者远程坐席端对应的业务员) 根据转账信息确定的转账验证规则，服务器接收远程坐席端根据转账信息确定的转账验证规则，以根据所述转账验证规则对触发转账请求的用户进行身份验证；当检测到身份验证通过时，则给与用户账户验证授权并执行即时转账。
如图1所示，图1是本申请实施例方案涉及的硬件运行环境的服务器结构示意图。本申请实施例服务器，如图1所示，该服务器可以包括：处理器1001，例如CPU，网络接口1004，用户接口1003，存储器1005，通信总线1002。其中，通信总线1002用于实现这些组件之间的连接通信。用户接口1003可以包括显示屏（Display）、输入单元比如键盘（Keyboard），可选用户接口1003还可以包括标准的有线接口、无线接口。网络接口1004可选的可以包括标准的有线接口、无线接口（如WI-FI接口）。存储器1005可以是高速RAM存储器，也可以是稳定的存储器（non-volatile memory），例如磁盘存储器。存储器1005可选的还可以是独立于前述处理器1001的存储装置。
可选地，服务器还可以包括摄像头、RF（Radio Frequency，射频）电路，传感器、音频电路、WiFi模块；输入单元，比显示屏，触摸屏；网络接口可选除无线接口中除WiFi外，蓝牙、探针、3G/4G/5G联网基站设备等等。其中，传感器比如光传感器、运动传感器以及其他传感器。服务器还可配置陀螺仪、气压计、湿度计、温度计、红外线传感器等其他传感器，在此不再赘述。
本领域技术人员可以理解，图1中示出的服务器结构并不构成对服务器的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
如图1所示，该计算机软件产品存储在一个存储介质（存储介质：又叫计算机存储介质、计算机介质、可读介质、可读存储介质、计算机可读存储介质或者直接叫介质等，如ROM/RAM、磁碟、光盘）中，包括若干指令用以使得一台终端设备（可以是手机，计算机，服务器，空调器，或者网络设备等）执行本申请各个实施例所述的方法，作为一种计算机存储介质的存储器1005中可以包括操作***、网络通信模块、用户接口模块以及基于VTM的转账应用程序。
在图1所示的服务器中，网络接口1004主要用于连接后台数据库（云端），与后台数据库（云端），进行数据通信；用户接口1003主要用于连接客户端（用户端），与客户端进行数据通信；而处理器1001可以用于调用存储器1005中存储的基于VTM的转账应用程序，并执行本申请以下实施例提供的基于VTM的转账方法中的步骤。
参照图2，本申请基于VTM的转账方法的第一实施例中，所述基于VTM的转账方法包括：
步骤S10，接收基于VTM终端触发的转账请求，获取所述转账请求的转账信息，并根据所述转账信息判断是否触发即时人工转账指令。
用户在VTM终端上***银行卡，并在VTM终端上点击转账图标，以触发基于VTM终端的转账请求，与此同时，VTM终端检测到用户触发转账请求时，VTM终端显示界面上显示转账信息（转账信息包括收款方账号、姓名、金额）；服务器接收用户基于VTM终端触发的转账请求，获取所述转账请求的转账信息，并根据所述转账信息判断是否触发即时人工转账指令，例如，用户转账金额超过预设值（预设值可以根据具体情况设置，例如，50000）时，VTM终端根据用户输入的转账金额自动触发即时人工转账指令，或者VTM终端的显示界面上有即时人工转账的按钮，用户基于人工转账的按钮人工触发即时人工转账指令，与VTM终端连接的服务器可以检测到用户是否基于人工转账的按钮触发即时人工转账指令。
步骤S10之后，还包括：
步骤 a1，若没有触发即时人工转账指令，则获取基于VTM终端输入的转账信息，并基于转账信息获取转账账户相关信息；
步骤 a2，在所述VTM终端的显示界面上显示所述转账账户相关信息，以供用户进行确认；
步骤 a3，接收基于VTM终端输入的确认指令，执行转账步骤。
具体地，若服务器检测到用户没有在VTM终端触发即时人工转账指令，则获取基于VTM终端输入的转账信息（转账信息：包括转账账户对应的账号，转账金额等），并基于转账信息获取转账账户相关信息，（转账账户相关信息，例如，收款人姓；）即，服务器根据用户输入的转账信息获取转账账户对应的信息，并将转账账户相关信息在所述VTM终端的显示界面上显示，以供用户进行确认；接收基于VTM终端输入的确认指令，执行转账步骤。
步骤S20，若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为所述用户账户连接远程坐席端。
若触发即时人工转账指令，则服务器获取转账请求对应的用户账户信息，即，服务器识别VTM终端上***的银行卡，并获取***的银行卡的账号、银行卡地址信息或者对应的开户人信息作为转账请求对应的用户账户信息，服务器根据用户账户信息为所述用户账户连接远程坐席端。具体地：
步骤 b1，若触发即时人工转账指令，则获取即时人工转账指令中携带的地理位置信息，以根据所述地理位置信息和全部远程坐席端所处状态为所述用户分配远程坐席端；
步骤 b2，接收基于远程坐席端发送的反馈信息，根据所述反馈信息判断所述远程坐席端对应业务员是否受理所述即时人工转账请求；
步骤 b3，若所述远程坐席端对应业务员受理所述即时人工转账请求，则为所述用户账户连接远程坐席端，并开启视频通信。
在本实施例的步骤中若触发即时人工转账指令，则获取即时人工转账指令中携带的地理位置信息，以根据所述地理位置信息和全部远程坐席端所处状态为所述用户分配远程坐席端；即，服务器根据银行卡的地址信息（或者VTM终端所在的地址）确定需要将转账请求发送的对应地址信息，服务器获取对应地址的远程坐席端所处的状态信息，并基于远程坐席端所处的状态信息为即时人工转账分配至对应的远程坐席端，例如，服务器获取VTM终端所处位置是广东省深圳市，服务器获取广东省深圳市所以远程坐席端的信息，并根据远程坐席端所处的状态将即时人工转账分配至对应的远程坐席端，服务器接收基于远程坐席端发送的反馈信息，根据所述反馈信息判断所述远程坐席端对应业务员是否受理所述即时人工转账请求；在远程坐席端对应业务员受理所述即时人工转账请求，则为所述用户账户连接远程坐席端，并开启视频通信。
远程坐席端根据转账信息中的转账金额，确定是否对发起转账请求的用户进行身份验证，即，远程坐席端获取所述转账信息中的转账金额，将所述转账金额与预设验证规则（预设验证规则中包含预选设置的不同转账金额对应的转账验证规则）进行比对；获取预设验证规则中与所述转账金额匹配的验证规则。
步骤S30，接收远程坐席端根据转账信息确定的转账验证规则，以根据所述转账验证规则对触发转账请求的用户进行身份验证。
服务器接收远程坐席端根据转账信息确定的转账验证规则，服务器根据远程坐席端确定的转账验证规则，对触发转账请求的用户进行身份验证，例如，用户转账金额为5000元，则远程坐席端确定的转账规则为手机动态密码验证，服务器则获取用户账户对应的手机号码，并将所述手机号码发送动态验证验证码，用户可以将自己手机收到的动态验证码发送至服务器进行用户进行身份验证；用户转账金额为50000元，则远程坐席端确定的转账规则为手机动态密码验证加用户指纹验证，服务器则获取用户账户对应的手机号码并将所述手机号码发送动态验证验证码，用户可以将自己手机收到的动态验证码和自己的指纹信息，发送至服务器进行用户进行身份验证。
步骤S40，当检测到身份验证通过时，则给与用户账户验证授权并执行即时转账。
在服务器检测到用户身份验证通过时，服务器给与用户账户验证授权，即，服务器在用户身份验证通过时，用户可以对该银行卡中的钱进行转账，具体地，服务器基于转账信息获取转账账户相关信息；服务器在VTM终端的显示界面上显示所述转账账户相关信息，以供用户进行确认；例如，VTM终端的显示界面上显示收款账户为：6523 xxxx xxxx xxxx545；收款方姓名：吴（xx），转账用户在VTM终端进行确认，服务器接收基于VTM终端输入的确认指令，执行转账步骤。
在本实施例中服务器根据转账信息不同通过采用不同的验证规则对不同的转账用户进行身份验证，与此同时，用户可以基于VTM终端发起协助请求到连接远程坐席端，连接远程坐席端对应的业务员利用银行提供的密码登录到转账用户所使用的VTM终端，获取该用户的业务桌面以进行针对性的指导，使得用户可以更加便捷地进行转账操作，在保证用户操作体验的同时，减小了基于VTM终端转账的风险性。
进一步的，参照图3，在本申请第一实施例的基础上，进一步提出了本申请本实施例，本实施例与本申请第一实施例的区别在于本实施例中进一步说明了根据生物特征验证转账用户的身份的方法；
所述基于VTM的转账方法包括：
步骤S31，接收远程坐席端根据转账信息确定的转账验证规则，并判断所述验证规则中是否包含生物特征验证。
服务器接收远程坐席端根据转账信息确定的转账验证规则，服务器获取远程坐席端确定的验证规则，并判断所述验证规则中是否包含生物特征验证（生物特征验证是指针对触发转账请求的人的验证，即，服务器将转账用户的生物特征与银行卡开卡人的生物特征进行比对，验证转账用户是否为银行卡开卡人，例如，服务器验证转账的用户头像与预选保存的用户图像是否相同）。
步骤S32，若所述验证规则中包含生物特征验证，则将所述生物特征验证信息与预存标准信息进行比对。
服务器确定若验证规则中包含生物特征验证规则，则触发生物特征验证信息的获取指令；服务器根据所述获取指令开启预置采集装置（预置采集装置根据需要采集的验证信息进行确定，若需要采集的验证信息是用户的面部图像，则采集装置是摄像头，若需要采集的验证信息是用户的指纹信息，则采集装置是指纹识别器，若需要采集的验证信息是用户的声纹信息，则采集装置是录音设置），采集触发转账请求的用户指定角度的面部图像、指纹信息或者声纹信息；服务器将所述面部图像、指纹信息和/或者声纹信息作为生物特征验证信息，将所述生物特征验证信息与预存标准信息（预存标准信息：是指用户在银行卡开卡是采集的信息，例如，银行卡开卡时的用户拍摄的照片信息、采集的用户指纹信息）进行比对，以进行身份验证。
步骤S33，若所述生物特征验证信息与预存标准信息匹配，则触发转账请求的用户身份验证通过。
服务器生物特征验证信息与预存标准信息匹配，则触发转账请求的用户身份验证通过，则服务器授予用户账户权限，用户可以对该银行卡对应的转账账户进行自动转账；若所述生物特征验证信息与预存标准信息不匹配，则触发转账请求的用户身份验证不通过，则服务器不授予用户账户权限，用户不可以对该银行卡对应的转账账户进行自动转账，同时服务器将该银行卡对应的账户进行锁定。
在本实施例中服务器对触发转账请求的用户进行验证，即服务器对转账人进行验证，在保证用户操作便捷性的同时提高了转账的账户的安全性，防止用户信息泄露造成的损失。
进一步的，参照图4，本申请基于VTM的转账方法的第二实施例中，说明了用户在即时人工转账时，用户可以进行桌面共享，所述基于VTM的转账方法包括：
步骤S50，当检测到基于VTM终端触发远程协助请求时，获取远程协助请求并设置共享密码。
用户可以利用VTM终端完成开卡、理财转账等业务，这样，就可以为客户提供24小时的服务；若用户在选择转账金融业务时，VTM终端自动调用该业务界面，提示客户如何完成转账，若客户不能理解VTM终端的提示，就可以通过视频与业务员进行交流，若在与业务员视频中，仍不能完成开卡业务(如找不到某功能按钮)，此时就可以触发远程协助请求，VTM终端在接收到触发远程协助请求时，生成共享密码，并将共享密码添加到远程协助请求中，并发送至服务器，以使服务器将远程协助请求发送至远程坐席端请求业务员的远程协助。
步骤S60，将携带所述共享密码的远程协助请求，发送至远程坐席端，以使远程坐席端对VTM终端进行验证。
服务器将远程协助请求发送至远程坐席端，请求远程坐席端对应业务员的远程协助将携带所述共享密码的远程协助请求，具体地，服务器接收到VTM终端发送的远程协助请求(携带有共享密码)，进而就可以提取远程协助请求中的共享密码，并根据共享密码发送至远程坐席端，以使远程坐席端对VTM终端进行验证，即远程坐席端将服务器发送的远程协助请求中的共享密码与预设的VTM终端中的共享密码（预设的VTM终端中的共享密码：是预先定义的共享密码）进行比对。
步骤S70，接收远程坐席端发送的验证结果，若验证通过， 则将VTM终端当前桌面远程共享至远程坐席端，以使远程坐席端对应业务员进行远程协助。
远程坐席端将服务器发送的远程协助请求中的共享密码与预设的VTM终端中的共享密码进行比对；若服务器发送的远程协助请求中的共享密码与预设的VTM终端中的共享密码匹配，则验证通过，服务器发送的远程协助请求中的共享密码与预设的VTM终端中的共享密码不匹配，则验证不通过，在验证通过时，远程坐席端对应业务员在接收到共享的桌面后，就可以具体的指导/协助用户操作以完成转账业务。
在本实施例中当客户需要远程协助时，发起协助请求到连接远程坐席端，连接远程坐席端对应的业务员利用银行提供的密码登录到该客户所使用的VTM终端，获取该客户的业务桌面以进行针对性的指导，使的用户的操作更加方便，避免了其他的终端设备进行病毒植入带来的安全隐患。
此外，参照图5，本申请实施例还提出一种基于VTM的转账装置，所述基于VTM的转账装置包括：
接收获取模块10，用于接收基于VTM终端触发的转账请求，获取所述转账请求的转账信息，并根据所述转账信息判断是否触发即时人工转账指令；
获取连接模块20，用于若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为所述用户账户连接远程坐席端；
身份验证模块30，用于接收远程坐席端根据转账信息确定的转账验证规则，以根据所述转账验证规则对触发转账请求的用户进行身份验证；
验证转账模块40，用于当检测到身份验证通过时，则给与用户账户验证授权并执行即时转账。
其中，基于VTM的转账装置的各个功能模块实现的步骤可参照本申请基于VTM的转账方法的各个实施例，此处不再赘述。
此外，本申请实施例还提出一种存储介质。
所述存储介质，又叫计算机存储介质上存储有基于VTM的转账程序，所述基于VTM的转账程序被处理器执行时实现上述实施例提供的基于VTM的转账方法中的操作。
需要说明的是，在本文中，诸如第一和第二等之类的关系术语仅仅用来将一个实体/操作/对象与另一个实体/操作/对象区分开来，而不一定要求或者暗示这些实体/操作/对象之间存在任何这种实际的关系或者顺序；术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者***不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者***所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者***中还存在另外的相同要素。
对于装置实施例而言，由于其基本相似于方法实施例，所以描述得比较简单，相关之处参见方法实施例的部分说明即可。以上所描述的装置实施例仅仅是示意性的，其中作为分离部件说明的单元可以是或者也可以不是物理上分开的。可以根据实际的需要选择中的部分或者全部模块来实现本申请方案的目的。本领域普通技术人员在不付出创造性劳动的情况下，即可以理解并实施。
上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在如上所述的一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，服务器，空调器，或者网络设备等)执行本申请各个实施例所述的方法。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (20)

  1. 一种基于VTM的转账方法，其特征在于，所述基于VTM的转账方法应用于服务器，所述服务器与VTM终端、远程坐席端通信连接；
    所述基于VTM的转账方法包括以下步骤：
    接收基于VTM终端触发的转账请求，获取所述转账请求的转账信息，并根据所述转账信息判断是否触发即时人工转账指令；
    若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为所述用户账户连接远程坐席端；
    接收远程坐席端根据转账信息确定的转账验证规则，以根据所述转账验证规则对触发转账请求的用户进行身份验证；
    当检测到身份验证通过时，则给与用户账户验证授权并执行即时转账。
  2. 如权利要求1所述的基于VTM的转账方法，其特征在于，所述若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为所述用户账户连接远程坐席端的步骤，包括：
    若触发即时人工转账指令，则获取即时人工转账指令中携带的地理位置信息，以根据所述地理位置信息和全部远程坐席端所处状态为所述用户分配远程坐席端；
    接收基于远程坐席端发送的反馈信息，根据所述反馈信息判断所述远程坐席端对应业务员是否受理所述即时人工转账请求；
    若所述远程坐席端对应业务员受理所述即时人工转账请求，则为所述用户账户连接远程坐席端，并开启视频通信。
  3. 如权利要求2所述的基于VTM的转账方法，其特征在于，所述接收远程坐席端根据转账信息确定的转账验证规则，以根据所述转账验证规则对触发转账请求的用户进行身份验证的步骤包括：
    接收远程坐席端根据转账信息确定的转账验证规则，并判断所述验证规则中是否包含生物特征验证；
    若所述验证规则中包含生物特征验证，则将所述生物特征验证信息与预存标准信息进行比对；
    若所述生物特征验证信息与预存标准信息匹配，则触发转账请求的用户身份验证通过。
  4. 如权利要求3所述的基于VTM的转账方法，其特征在于，所述若所述验证规则中包含生物特征验证，则将所述生物特征验证信息与预存标准信息进行比对的步骤包括：
    若所述验证规则中包含生物特征验证规则，则触发生物特征验证信息的获取指令；
    根据所述获取指令开启预置采集装置，采集触发转账请求的用户指定角度的面部图像、指纹信息和/或者声纹信息；
    将所述面部图像、指纹信息和/或者声纹信息作为生物特征验证信息，将所述生物特征验证信息与预存标准信息进行比对，以进行身份验证。
  5. 如权利要求1所述的基于VTM的转账方法，其特征在于，所述当检测到身份验证通过时，则给与用户账户验证授权并执行即时转账的步骤包括：
    当检测到身份验证通过时，给与用户账户验证授权，并基于转账信息获取转账账户相关信息；
    在所述VTM终端的显示界面上显示所述转账账户相关信息，以供用户进行确认；
    接收基于VTM终端输入的确认指令，执行转账步骤。
  6. 如权利要求1所述的基于VTM的转账方法，其特征在于，所述若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为所述用户账户连接远程坐席端的步骤之后，包括：
    当检测到基于VTM终端触发远程协助请求时，获取远程协助请求并设置共享密码；
    将携带所述共享密码的远程协助请求，发送至远程坐席端，以使远程坐席端对VTM终端进行验证；
    接收远程坐席端发送的验证结果，若验证通过， 则将VTM终端当前桌面远程共享至远程坐席端，以使远程坐席端对应业务员进行远程协助。
  7. 如权利要求1所述的基于VTM的转账方法，其特征在于，所述接收基于VTM终端触发的转账请求，获取所述转账请求的转账信息，并根据所述转账信息判断是否触发即时人工转账指令的步骤之后，包括：
    若没有触发即时人工转账指令，则获取基于VTM终端输入的转账信息，并基于转账信息获取转账账户相关信息；
    在所述VTM终端的显示界面上显示所述转账账户相关信息，以供用户进行确认；
    接收基于VTM终端输入的确认指令，执行转账步骤。
  8. 一种基于VTM的转账装置，其特征在于，所述基于VTM的转账装置包括：
    接收获取模块，用于接收基于VTM终端触发的转账请求，获取所述转账请求的转账信息，并根据所述转账信息判断是否触发即时人工转账指令；
    获取连接模块，用于若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为所述用户账户连接远程坐席端；
    身份验证模块，用于接收远程坐席端根据转账信息确定的转账验证规则，以根据所述转账验证规则对触发转账请求的用户进行身份验证；
    验证转账模块，用于当检测到身份验证通过时，则给与用户账户验证授权并执行即时转账。
  9. 如权利要求8所述的基于VTM的转账装置，其特征在于，所述获取连接模块包括：
    获取分配单元，用于若触发即时人工转账指令，则获取即时人工转账指令中携带的地理位置信息，以根据所述地理位置信息和全部远程坐席端所处状态为所述用户分配远程坐席端；
    接收判断单元，用于接收基于远程坐席端发送的反馈信息，根据所述反馈信息判断所述远程坐席端对应业务员是否受理所述即时人工转账请求；
    受理连接单元，用于若所述远程坐席端对应业务员受理所述即时人工转账请求，则为所述用户账户连接远程坐席端，并开启视频通信。
  10. 如权利要求8所述的基于VTM的转账装置，其特征在于，所述身份验证模块包括：
    接收判断单元，用于接收远程坐席端根据转账信息确定的转账验证规则，并判断所述验证规则中是否包含生物特征验证；
    信息比对单元，用于若所述验证规则中包含生物特征验证，则将所述生物特征验证信息与预存标准信息进行比对；
    匹配验证单元，用于若所述生物特征验证信息与预存标准信息匹配，则触发转账请求的用户身份验证通过。
  11. 如权利要求10所述的基于VTM的转账装置，其特征在于，所述信息比对单元还用于：
    若所述验证规则中包含生物特征验证规则，则触发生物特征验证信息的获取指令；
    根据所述获取指令开启预置采集装置，采集触发转账请求的用户指定角度的面部图像、指纹信息和/或者声纹信息；
    将所述面部图像、指纹信息和/或者声纹信息作为生物特征验证信息，将所述生物特征验证信息与预存标准信息进行比对，以进行身份验证。
  12. 如权利要求8所述的基于VTM的转账装置，其特征在于，所述验证转账模块包括：
    验证获取单元，用于当检测到身份验证通过时，给与用户账户验证授权，并基于转账信息获取转账账户相关信息；
    显示提示单元，用于在所述VTM终端的显示界面上显示所述转账账户相关信息，以供用户进行确认；
    接收执行单元，用于接收基于VTM终端输入的确认指令，执行转账步骤。
  13. 一种服务器，其特征在于，所述服务器包括：摄像头、存储器、处理器及存储在所述存储器上并可在所述处理器上运行的基于VTM的转账程序，其中：所述服务器与VTM终端、远程坐席端通信连接，所述摄像头，用于拍摄获取用户图片数据；
    所述基于VTM的转账程序被所述处理器执行时实现如下步骤：
    接收基于VTM终端触发的转账请求，获取所述转账请求的转账信息，并根据所述转账信息判断是否触发即时人工转账指令；
    若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为所述用户账户连接远程坐席端；
    接收远程坐席端根据转账信息确定的转账验证规则，以根据所述转账验证规则对触发转账请求的用户进行身份验证；
    当检测到身份验证通过时，则给与用户账户验证授权并执行即时转账。
  14. 如权利要求13所述的服务器，其特征在于，所述基于VTM的转账程序中若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为所述用户账户连接远程坐席端的步骤，包括：
    若触发即时人工转账指令，则获取即时人工转账指令中携带的地理位置信息，以根据所述地理位置信息和全部远程坐席端所处状态为所述用户分配远程坐席端；
    接收基于远程坐席端发送的反馈信息，根据所述反馈信息判断所述远程坐席端对应业务员是否受理所述即时人工转账请求；
    若所述远程坐席端对应业务员受理所述即时人工转账请求，则为所述用户账户连接远程坐席端，并开启视频通信。
  15. 如权利要求13所述的服务器，其特征在于，所述基于VTM的转账程序中若所述验证规则中包含生物特征验证，则将所述生物特征验证信息与预存标准信息进行比对的步骤包括：
    若所述验证规则中包含生物特征验证规则，则触发生物特征验证信息的获取指令；
    根据所述获取指令开启预置采集装置，采集触发转账请求的用户指定角度的面部图像、指纹信息和/或者声纹信息；
    将所述面部图像、指纹信息和/或者声纹信息作为生物特征验证信息，将所述生物特征验证信息与预存标准信息进行比对，以进行身份验证。
  16. 如权利要求13所述的服务器，其特征在于，所述基于VTM的转账程序中所述当检测到身份验证通过时，则给与用户账户验证授权并执行即时转账的步骤包括：
    当检测到身份验证通过时，给与用户账户验证授权，并基于转账信息获取转账账户相关信息；
    在所述VTM终端的显示界面上显示所述转账账户相关信息，以供用户进行确认；
    接收基于VTM终端输入的确认指令，执行转账步骤。
  17. 一种存储介质，其特征在于，所述存储介质上存储有基于VTM的转账程序，所述基于VTM的转账程序被处理器执行时实现以下的步骤：
    接收基于VTM终端触发的转账请求，获取所述转账请求的转账信息，并根据所述转账信息判断是否触发即时人工转账指令；
    若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为所述用户账户连接远程坐席端；
    接收远程坐席端根据转账信息确定的转账验证规则，以根据所述转账验证规则对触发转账请求的用户进行身份验证；
    当检测到身份验证通过时，则给与用户账户验证授权并执行即时转账。
  18. 如权利要求17所述的服务器，其特征在于，所述基于VTM的转账程序被执行时所述若触发即时人工转账指令，则获取转账请求对应的用户账户信息，并为所述用户账户连接远程坐席端的步骤，包括：
    若触发即时人工转账指令，则获取即时人工转账指令中携带的地理位置信息，以根据所述地理位置信息和全部远程坐席端所处状态为所述用户分配远程坐席端；
    接收基于远程坐席端发送的反馈信息，根据所述反馈信息判断所述远程坐席端对应业务员是否受理所述即时人工转账请求；
    若所述远程坐席端对应业务员受理所述即时人工转账请求，则为所述用户账户连接远程坐席端，并开启视频通信。
  19. 如权利要求17所述的服务器，其特征在于，所述基于VTM的转账程序被执行时所述接收远程坐席端根据转账信息确定的转账验证规则，以根据所述转账验证规则对触发转账请求的用户进行身份验证的步骤包括：
    接收远程坐席端根据转账信息确定的转账验证规则，并判断所述验证规则中是否包含生物特征验证；
    若所述验证规则中包含生物特征验证，则将所述生物特征验证信息与预存标准信息进行比对；
    若所述生物特征验证信息与预存标准信息匹配，则触发转账请求的用户身份验证通过。
  20. 如权利要求17所述的服务器，其特征在于，所述基于VTM的转账程序被执行时所述若所述验证规则中包含生物特征验证，则将所述生物特征验证信息与预存标准信息进行比对的步骤包括：
    若所述验证规则中包含生物特征验证规则，则触发生物特征验证信息的获取指令；
    根据所述获取指令开启预置采集装置，采集触发转账请求的用户指定角度的面部图像、指纹信息和/或者声纹信息；
    将所述面部图像、指纹信息和/或者声纹信息作为生物特征验证信息，将所述生物特征验证信息与预存标准信息进行比对，以进行身份验证。
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