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WO2019134218A1 - Procédé et dispositif de transfert à base de vtm, serveur et support d'informations - Google Patents

Procédé et dispositif de transfert à base de vtm, serveur et support d'informations 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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WO
WIPO (PCT)
Prior art keywords
transfer
information
vtm
verification
remote agent
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2018/076376
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English (en)
Chinese (zh)
Inventor
李永平
高凌云
牛华
李长缤
凌永辉
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Ping An Technology Shenzhen Co Ltd
Original Assignee
Ping An Technology Shenzhen Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Ping An Technology Shenzhen Co Ltd filed Critical Ping An Technology Shenzhen Co Ltd
Publication of WO2019134218A1 publication Critical patent/WO2019134218A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un procédé de transfert à base de VTM. Le procédé de transfert à base de VTM est appliqué à un serveur qui est connecté en communication à un terminal VTM et à une extrémité d'agent distant. Le procédé comprend les étapes suivantes : la réception d'une demande de transfert déclenchée par un terminal VTM, l'obtention d'informations de transfert de la demande de transfert et la détermination, selon les informations de transfert, du déclenchement ou non d'une instruction de transfert manuelle instantanée ; si une instruction de transfert manuelle instantanée est déclenchée, l'obtention d'informations d'un compte d'utilisateur correspondant à la demande de transfert, et la connexion du compte d'utilisateur à l'extrémité d'agent distant ; la réception d'une règle de vérification de transfert déterminée par l'extrémité d'agent distant selon les informations de transfert pour réaliser une vérification d'identité sur un utilisateur selon la règle de vérification de transfert ; et lorsqu'il est détecté que la vérification d'identité a réussi, la fourniture d'une validation de la vérification de compte d'utilisateur et l'exécution du transfert instantané. La présente invention concerne en outre un dispositif de transfert à base de VTM, un serveur et un support d'informations. La présente invention réalise une vérification de transfert à l'aide de différentes règles de vérification de sorte que le risque des transferts à base de VTM est réduit.
PCT/CN2018/076376 2018-01-08 2018-02-12 Procédé et dispositif de transfert à base de vtm, serveur et support d'informations Ceased WO2019134218A1 (fr)

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CN109450953B (zh) * 2018-12-29 2020-09-04 北京三快在线科技有限公司 一种授权方法及装置、电子设备和计算机可读存储介质
CN110443621A (zh) * 2019-08-07 2019-11-12 深圳前海微众银行股份有限公司 视频核身方法、装置、设备及计算机存储介质
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CN114139121A (zh) * 2020-08-14 2022-03-04 中信银行股份有限公司 身份验证方法、装置、电子设备及计算机可读存储介质

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