阅读说明：本技术 一种基于金融服务的业务办理方法及其相关装置 (Business handling method based on financial service and related device thereof ) 是由 杜月娥 于 2021-07-28 设计创作，主要内容包括：本申请实施例公开了一种基于金融服务的业务办理方法及其相关装置,用于提高业务办理效率。本申请实施例方法包括：接收用户办理目标业务的请求,请求包含目标业务的业务类型；根据业务类型接入远程柜员系统内的第一主机,以使得第一主机处理目标业务并得到目标业务数据；接收所述第一主机的反馈信息,反馈信息携带有第二主机信息,第二主机信息通过目标业务数据确定；根据所述反馈信息接入远程专家系统内的第二主机,第二主机用于通过目标专家为用户提供目标业务办理指导；指示第一主机发送目标业务数据至第二主机,以使得第二主机根据目标业务数据确定目标业务流程数据。(The embodiment of the application discloses a business handling method based on financial services and a related device thereof, which are used for improving business handling efficiency. The method in the embodiment of the application comprises the following steps: receiving a request for transacting a target service by a user, wherein the request comprises a service type of the target service; accessing a first host in the remote teller system according to the service type so that the first host processes the target service and obtains target service data; receiving feedback information of the first host, wherein the feedback information carries second host information, and the second host information is determined by target service data; accessing a second host in the remote expert system according to the feedback information, wherein the second host is used for providing target service handling guidance for the user through a target expert; and instructing the first host to send the target service data to the second host so that the second host determines the target service flow data according to the target service data.)

1. A business handling method based on financial services is characterized by comprising the following steps:

receiving a request of a user for handling a target service by a remote Video Teller Machine (VTM), wherein the request comprises a service type of the target service;

the VTM is accessed to a first host in a remote teller system according to the service type so that the first host processes the target service and obtains target service data, and the first host is used for providing target service handling guidance for the user through a target teller;

the VTM receives feedback information of the first host, wherein the feedback information is used for indicating that the first host lacks target business process data required for handling the target business, the feedback information carries second host information, the second host information is determined by the target business data, and the second host information is information of a host in a remote expert system;

the VTM is accessed to a second host in the remote expert system according to the feedback information, and the second host is used for providing target service handling guidance for the user through a target expert;

the VTM instructs the first host to send the target business data to the second host, so that the second host determines the target business process data according to the target business data;

and the VTM transacts the target service for the user according to the target service flow data through the first host or the second host.

2. The financial service based transaction method of claim 1, wherein the transaction of the VTM for the user according to the target business process data via the second host comprises:

and the VTM establishes a first shared control interface between the interface of the second host and the interface of the VTM, so that the second host transacts the target service for the user according to the target service flow data through the first shared control interface.

3. The financial service based transaction method of claim 1, wherein the transaction of the VTM for the user according to the target business process data via the first host comprises:

the VTM instructs the second host to send the target business process data to the first host;

and the VTM establishes a second shared control interface between the interface of the first host and the interface of the VTM, so that the first host transacts the target service for the user according to the target service flow data through the second shared control interface.

4. A financial services based transaction method according to any one of claims 1 to 3, wherein after the VTM accesses the first host computer in the remote teller system according to the transaction type, the transaction method further comprises:

the VTM determines the identity of the user.

5. The financial services-based VTM business transaction method of claim 4, wherein the VTM determining the identity of the user comprises:

the VTM acquires the user identity information, wherein the identity information comprises the user identity image information;

and the VTM determines the user identity through the first host according to the user identity image information.

6. The financial services-based VTM business transaction method of claim 4, wherein the VTM determining the identity of the user comprises:

the VTM acquires the user identity information, wherein the identity information comprises the user identity image information;

the VTM shoots the face of the user by using a camera to generate face image information of the user;

and the VTM determines that the face image information of the user is consistent with the identity image information of the user.

7. A financial services based transaction method according to any one of claims 1 to 3, wherein before the VTM accesses the first host computer in the remote teller system according to the transaction type, the transaction method further comprises:

and when the VTM judges that the VTM video service needs to be started according to the service type, the VTM starts the VTM video service.

8. A financial services based transaction apparatus, comprising:

a first receiving unit, configured to receive a request for a user to transact a target service, where the request includes a service type of the target service;

the first access unit is used for accessing a first host in a remote teller system according to the service type so that the first host processes the target service and obtains target service data, and the first host is used for providing target service handling guidance for the user through a target teller;

a second receiving unit, configured to receive feedback information of the first host, where the feedback information is used to indicate that the first host lacks target service process data required for handling the target service, and the feedback information carries second host information, where the second host information is determined by the target service data, and the second host information is information of a host in a remote expert system;

the second access unit is used for accessing a second host in the remote expert system according to the feedback information, and the second host is used for providing target service handling guidance for the user through a target expert;

an indicating unit, configured to instruct the first host to send the target service data to the second host, so that the second host determines the target service process data according to the target service data;

and the handling unit is used for handling the target service for the user through the first host or the second host according to the target service flow data.

9. A financial services based transaction apparatus, comprising:

the system comprises a central processing unit, a memory, an input/output interface, a wired or wireless network interface and a power supply;

the memory is a transient memory or a persistent memory;

the central processor is configured to communicate with the memory and execute the operations of the instructions in the memory to perform the method of any of claims 1 to 7.

10. A computer-readable storage medium comprising instructions that, when executed on a computer, cause the computer to perform the method of any one of claims 1 to 7.

Technical Field

The embodiment of the application relates to the technical field of internet, in particular to a business handling method based on financial services and a related device thereof.

Background

A remote Video Teller Machine (VTM) is an integrated electromechanical device for handling some banking counter services by means of remote video. The device enables a user to handle banking business in a remote video mode according to the instruction of a bank teller without going to a bank counter for handling. A remote Teller Agent (VTA) is used to provide Teller-guided services to the VTM.

In the prior art, when a user needs to handle certain services with strong speciality, the VTM can directly match a target service expert for the user according to the target service selected by the user. However, since most users are not clear about the specific category to which the banking business with strong specialty belongs, there is a case that the selected target business does not conform to the business actually required by the target business, so the business experts automatically matched for the users by the VTM according to the target business category selected by the users do not necessarily conform to the actual requirements of the users, and since the number of the business experts is small relative to the number of the bank tellers, the matching of the business experts not conforming to the requirements of the users wastes the time of the business experts and the time of the users, thereby reducing the business handling efficiency.

Disclosure of Invention

The embodiment of the application provides a business handling method based on financial services and a related device thereof, which are used for improving business handling efficiency.

In a first aspect, an embodiment of the present application provides a business handling method based on financial services, including:

receiving a request of a user for handling a target service by a remote Video Teller Machine (VTM), wherein the request comprises a service type of the target service;

the VTM is accessed to a first host in a remote teller system according to the service type so that the first host processes the target service and obtains target service data, and the first host is used for providing target service handling guidance for the user through a target teller;

the VTM receives feedback information of the first host, wherein the feedback information is used for indicating that the first host lacks target business process data required for handling the target business, the feedback information carries second host information, the second host information is determined by the target business data, and the second host information is information of a host in a remote expert system;

the VTM is accessed to a second host in the remote expert system according to the feedback information, and the second host is used for providing target service handling guidance for the user through a target expert;

the VTM instructs the first host to send the target business data to the second host, so that the second host determines the target business process data according to the target business data;

and the VTM transacts the target service for the user through the first host or the second host according to the target service flow data.

Optionally, the transacting, by the VTM, the target service for the user according to the target service flow data through the second host includes:

and the VTM establishes a first shared control interface between the interface of the second host and the interface of the VTM, so that the second host transacts the target service for the user according to the target service flow data through the first shared control interface.

Optionally, the transacting, by the VTM, the target service for the user according to the target service flow data through the first host includes:

the VTM instructs the second host to send the target business process data to the first host;

and the VTM establishes a second shared control interface between the interface of the first host and the interface of the VTM, so that the first host transacts the target service for the user according to the target service flow data through the second shared control interface.

Optionally, after the VTM accesses the first host in the remote teller system according to the service type, the service processing method further includes:

the VTM determines the identity of the user.

Optionally, the VTM determining the identity of the user comprises:

the VTM acquires the user identity information, wherein the identity information comprises the user identity image information;

and the VTM determines the user identity through the first host according to the user identity image information.

Optionally, the VTM determining the identity of the user comprises:

the VTM acquires the user identity information, wherein the identity information comprises the user identity image information;

the VTM shoots the face of the user by using a camera to generate face image information of the user;

and the VTM determines that the face image information of the user is consistent with the identity image information of the user.

Optionally, before the VTM accesses the first host in the remote teller system according to the service type, the service processing method further includes:

and when the VTM judges that the VTM video service needs to be started according to the service type, the VTM starts the VTM video service.

A second aspect of the embodiments of the present application provides a business handling apparatus based on financial services, including:

a first receiving unit, configured to receive a request for a user to transact a target service, where the request includes a service type of the target service;

the first access unit is used for accessing a first host in a remote teller system according to the service type so that the first host processes the target service and obtains target service data, and the first host is used for providing target service handling guidance for the user through a target teller;

a second receiving unit, configured to receive feedback information of the first host, where the feedback information is used to indicate that the first host lacks target service process data required for handling the target service, and the feedback information carries second host information, where the second host information is determined by the target service data, and the second host information is information of a host in a remote expert system;

the second access unit is used for accessing a second host in the remote expert system according to the feedback information, and the second host is used for providing target service handling guidance for the user through a target expert;

an indicating unit, configured to instruct the first host to send the target service data to the second host, so that the second host determines the target service process data according to the target service data;

and the handling unit is used for handling the target service for the user through the first host or the second host according to the target service flow data.

Optionally, the transaction unit is specifically configured to establish a first shared control interface between an interface of the second host and an interface of the VTM, so that the second host transacts the target service for the user according to the target service flow data through the first shared control interface.

Optionally, the transaction unit is specifically configured to instruct the second host to send the target business process data to the first host;

and establishing a second shared control interface between the interface of the first host and the interface of the VTM, so that the first host transacts the target service for the user according to the target service flow data through the second shared control interface.

Optionally, the determining unit is configured to determine an identity of the user.

Optionally, the determining unit is specifically configured to obtain the user identity information, where the identity information includes the user identity image information;

and determining the user identity according to the user identity image information through the first host.

Optionally, the determining unit is specifically configured to obtain the user identity information, where the identity information includes the user identity image information;

shooting the face of the user by using a camera to generate face image information of the user;

and determining that the face image information of the user is consistent with the identity image information of the user.

Optionally, the starting unit is configured to start the VTM video service when it is determined that the VTM video service needs to be started according to the service type.

A third aspect of the embodiments of the present application provides a business handling apparatus based on financial services, including:

the system comprises a central processing unit, a memory, an input/output interface, a wired or wireless network interface and a power supply;

the memory is a transient memory or a persistent memory;

the central processor is configured to communicate with the memory, and to execute the operations of the instructions in the memory on the user plane functional entity to perform the method of any one of the first aspect and the alternatives of the first aspect.

A fourth aspect of the present application provides a computer-readable storage medium comprising instructions which, when executed on a computer, cause the computer to perform the method of any one of the first aspect and the alternatives of the first aspect.

According to the technical scheme, the embodiment of the application has the following advantages:

the VTM is accessed to a first host in the remote teller system, so that a target teller processes a target service through the first host, the first host obtains target service data, the VTM receives feedback information sent by the first host, the feedback information carries second host information, the VTM is accessed to a second host in the remote expert system according to the feedback information, a target expert provides target service handling guidance for a user through the second host, the VTM instructs the first host to send the target service data to the second host so that the second host determines target service flow data according to the target service data, and the VTM handles the target service for the user through the first host or the second host according to the target service flow data. According to the method, the target teller processes the target service through the first host machine to enable the target teller to obtain the service actually required by the user and enable the first host machine to obtain the target service data, so that the target teller can select the second host machine operated by the target expert for the user through the first host machine according to the service actually required by the user, the VTM is accessed to the second host machine to enable the target expert to transact professional services for the user through the second host machine according to the actual requirement of the user, the target expert suitable for the actual requirement of the user is matched for the user through the target teller machine, the probability of matching service experts which do not accord with the actual requirement of the user is reduced, the time of the user and the service experts is saved, and the service transacting efficiency is improved.

Drawings

FIG. 1 is a schematic flow chart of a financial services-based transaction method in the practice of the present application;

FIG. 2 is another schematic flow chart illustrating a financial services based transaction method in accordance with an embodiment of the present disclosure;

FIG. 3 is a schematic structural diagram of a financial service-based transaction apparatus according to an embodiment of the present application;

FIG. 4 is another schematic structural diagram of a financial services-based transaction apparatus according to an embodiment of the present application;

fig. 5 is another schematic structural diagram of a financial service-based transaction apparatus according to an embodiment of the present application.

Detailed Description

The embodiment of the application provides a business handling method based on financial services and a related device thereof, which are used for improving business handling efficiency.

The business handling method based on financial services provided by the embodiment of the application can be applied to a VTM (virtual machine tool) and is used for handling some bank counter businesses in a remote video mode.

Referring to fig. 1, fig. 1 is a flowchart of a business transaction method based on financial services according to an embodiment of the present application, and as shown in fig. 1, the business transaction method described in this embodiment includes the following steps:

101. receiving a request of a user for handling a target service by a VTM, wherein the request comprises a service type of the target service;

VTM (video Teller Machine, VTM) remote video Teller machines, also called virtual Teller machines, are mechatronic devices used to transact some banking counter services through a remote video method. The VTM remote terminal is provided with a video display screen, a touch display screen, a password keyboard, a second-generation card reader, a camera, an A4 printer, a bank card reading and writing card sender, a microphone, a loudspeaker and other hardware modules, and can realize remote video communication between a user and bank business personnel through means of high-definition video, identity verification and the like, so that remote handling of bank businesses such as debit card application, short message service, debit card activation, telephone bank application, service consultation, financial management business and the like is realized.

When a user clicks an icon of a target service to be transacted on a touch display screen of the VTM, the VTM receives a request of transacting the target service by the user. For example, icons such as "debit card application service", "short message service", "service consultation service", "financial service" and the like are displayed on a touch display screen interface of the VTM, the service that the user wants to handle is "financial service", and at this time, the "financial service" is a target service of the user, and when the user clicks the icon of "financial service" on a display interface of the remote teller machine, the VTM receives a request of the user for handling the "financial service".

102. The VTM accesses a first host in the remote teller system according to the service type so that the first host processes the target service and obtains target service data, and the first host is used for providing target service handling guidance for the user through a target teller;

the remote teller system is provided with a special remote teller aiming at the VTM terminal, and the remote teller assists the VTM terminal user in conducting business handling through voice or video communication technology.

For example, the VTM calls a first host computer in a remote teller system according to the financial transaction selected by the user, the first host computer is operated by a remote teller specially processing the financial transaction, the remote teller provides financial transaction guidance for the user through the first host computer in a voice or video communication mode, and processes the financial transaction through the first host computer so as to obtain the actual required transaction of the user. For example, the remote teller may guide the user to fill in the user risk questionnaire evaluation in a video manner through the first host computer, and obtain the user rating, where the user rating data is the target business data obtained by the first host computer. The user ratings are classified as cautious, robust, balanced, aggressive. When the remote teller obtains that the user is graded as a cautious type, the business expert for the remote teller to select the debt class with low risk and low income for the user continues to provide professional debt purchasing service for the user; when the remote teller gets the user rating to be aggressive, the business expert for the remote teller to select the high-risk high-income security class for the user continues to provide security purchase service for the user.

The remote teller processes the target service in advance through the first host, the actual requirements of the user can be obtained through video or voice communication, the target expert is selected for the user by the remote teller according to the actual requirements of the user, and compared with the VTM which directly matches the service expert for the user according to the service type selected by the user, more specialized and personalized services can be provided for the user through the mode of the service expert selected by the remote teller through the video or voice communication with the user.

103. Receiving feedback information of the first host by the VTM, wherein the feedback information is used for indicating that the first host lacks target business process data required for handling the target business, the feedback information carries second host information, the second host information is determined by the target business data, and the second host information is information of a host in a remote expert system;

the target business process data may be process information required for processing the target business. For example, currently, the remote teller needs to transact a security purchase service for a user, but at this time, the remote teller cannot provide a more professional security subscription scheme for the user, so that a specific security subscription scheme cannot be input to enable the first host to generate target service flow data, at this time, the remote teller enables the first host to send feedback information to the VTM through an operation instruction, the feedback information carries information of the second host in the remote expert system, and the VTM searches for the second host in the remote expert system through the feedback information.

The remote expert system is provided with a special remote expert aiming at the VTM terminal, and assists the VTM terminal user to conduct professional banking business transaction through a voice or video communication technology.

104. The VTM is accessed to a second host in the remote expert system according to the feedback information, and the second host is used for providing target business handling guidance for the user through a target expert;

for example, when a user needs to purchase a security type financial product, the VTM terminal may consult a target remote expert for the relevant knowledge of the security type financial product, and the target remote expert may make a professional security type financial product subscription scheme for the user according to the actual needs of the user.

105. The VTM indicates the first host to send the target business data to the second host, so that the second host determines the target business process data according to the target business data;

and after the VTM calls the second host, the VTM instructs the first host to send the target service data to the second host. For example, if the target business data of the first host is the data of the risk questionnaire evaluation result of the user, the VTM instructs the first host to send the data of the risk questionnaire evaluation result to the second host, so that the target expert refers to the risk questionnaire evaluation result through the screen of the second host and formulates a target business handling scheme according to the result, and the target expert inputs the target business handling scheme into the second host to generate target business process data. For example, the target expert selects different types of securities for the user and configures purchase ratios of the different types of securities, and the target expert inputs the purchase ratios of the different types of securities into the second host to enable the second host to generate business processes required for purchasing the different types of securities, so that the second host determines target business process data.

106. And the VTM transacts the target business for the user through the first host or the second host according to the target business process data.

And the VTM guides the user to transact the target business through a target business transaction step generated by the first host or the second host according to the target business process data.

In the embodiment of the application, the VTM is accessed to a first host in a remote teller system, so that a target teller can process a target service through the first host to obtain a service actually required by a user and obtain target service data through the first host, the target teller can select a second host operated by a target expert for the user through the first host according to the actual requirement of the user, the target teller is a target expert matched with the actual requirement of the user, the target expert formulates a professional service handling scheme for the user according to the actual requirement of the user, and inputs the service handling scheme into the second host to generate target service flow data, so that the VTM handles the target service for the user through the first host or the second host according to the target service flow data, the probability of matching service experts which do not accord with the actual requirement of the user is reduced through the method, and the time of the user and the experts is saved, thereby improving the efficiency of business handling.

Referring to fig. 2, fig. 2 is a flowchart of another financial service-based business transaction method disclosed in an embodiment of the present application, and as shown in fig. 2, the business transaction method described in this embodiment includes the following steps:

201. receiving a request of a user for handling a target service by a VTM, wherein the request comprises a service type of the target service;

step 201 in this embodiment is similar to step 101 in the embodiment shown in fig. 1, and detailed description thereof is omitted here.

202. When the VTM judges that the VTM video service needs to be started according to the service type, the VTM starts the VTM video service;

and when the VTM judges that the video service needs to be started according to the service type, the VTM starts the VTM video service. For example, when the target service is a service type requiring the user to transact himself, such as opening a card, the VTM video service needs to be opened.

The VTM video is started, the user can communicate with the target teller or the target expert on line face to face through the video, the situation when the user transacts business under the line is simulated, and the user experience is improved.

203. The VTM accesses a first host in the remote teller system according to the service type so that the first host processes the target service and obtains target service data, and the first host is used for providing target service handling guidance for the user through a target teller;

step 203 in this embodiment is similar to step 102 in the embodiment shown in fig. 1, and detailed description thereof is omitted here.

204. The VTM determines the identity of the user;

optionally, in this embodiment of the present application, the VTM may determine the user identity in multiple ways, that is, determine that the identity document used by the user when transacting the service is the user identity document, which is described below:

firstly, the VTM determines the user identity according to the user identity image information through a first host;

the VTM acquires user identity information, the identity information comprises user identity image information, the VTM accesses the first host and starts a VTM video service, the VTM sends the user identity image information to the first host and is used for operating a target teller of the first host to determine the user identity through the VTM video service and the user identity image information, namely, the identity document used when a user transacts business is determined as the user identity document, the determined result is input into the first host, and the first host feeds the determined result back to the VTM.

Secondly, determining the identity of the user through VTM face recognition;

the VTM acquires user identity information, the identity information comprises user identity image information, the VTM shoots the face of the user by using a camera to generate user face image information, and the VTM determines that the user face image information is consistent with the user identity image information. For example, the VTM may verify whether the eye-mouth distance in the user face image is consistent with the eye-mouth distance in the user identity image information, verify whether the eyebrow distance in the user face image is consistent with the eyebrow distance in the user identity image information, verify whether the eye-nose distance in the user face image is consistent with the eye-nose distance in the user identity image information, and if both are consistent, the VTM determines that the user face image information is consistent with the user identity image information, i.e., determines that the identity document used by the user when transacts business is the user identity document.

The VTM may select any one of the above two manners to determine the identity of the user according to actual requirements, which is not limited herein. By determining that the identity document used by the user for transacting the business is the identity document of the user, and then executing the subsequent business transaction steps, the safety of business transaction is improved, and the risk that the user account is stolen by other people is reduced.

205. Receiving feedback information of the first host by the VTM, wherein the feedback information is used for indicating that the first host lacks target business process data required for handling the target business, the feedback information carries second host information, the second host information is determined by the target business data, and the second host information is information of a host in a remote expert system;

206. the VTM is accessed to a second host in the remote expert system according to the feedback information, and the second host is used for providing target business handling guidance for the user through a target expert;

207. the VTM indicates the first host to send the target business data to the second host, so that the second host determines the target business process data according to the target business data;

steps 205 to 207 in this embodiment are similar to steps 103 to 105 in the embodiment shown in fig. 1, and are not described herein again.

208. The VTM transacts the target service for the user according to the target service flow data through the first host or the second host;

in this embodiment, the VTM may handle the target service for the user according to the target service flow data through the first host or the second host, which is described below:

firstly, the VTM transacts target business for the user according to the target business process data through a second host;

and the VTM establishes a first shared control interface between the interface of the second host and the interface of the VTM, so that the second host transacts target services for the user according to the target service flow data through the first shared control interface.

And the second host generates a business process step of handling the target business according to the target business process data, and the target expert guides the user to handle the target business through the first shared control interface according to the business process step.

The target expert can clearly see the operation of the user through the first shared control interface, the user can also clearly see the operation of the target expert and the business process steps for handling the target business through the first shared control interface, the target expert can guide the user to handle the target business on the VTM in real time through videos according to the business process steps of the target business, can also guide the user to handle the business on the VTM according to the business process steps through voice, and can also prompt the user where the user needs to fill in information or prompt the user about the transaction risk which needs to be noticed by the user through marking on a host desktop of the VTM.

Secondly, the VTM transacts the target service for the user according to the target service flow data through the first host; (ii) a

The VTM instructs the second host to send the target business process data to the first host; the VTM establishes a second shared control interface between the interface of the first host and the interface of the VTM. And the first host generates a business process step of handling the target business according to the target business process data, and the target teller guides the user to handle the target business according to the business process step through the second shared control interface.

The target teller can clearly see the operation of the user through the second shared control interface, the user can also clearly see the operation of the target teller and the business process steps for handling the target business through the second shared control interface, the target teller can guide the user to handle the target business on the VTM in real time through videos according to the business process steps of the target business, can also guide the user to handle the business on the VTM according to the business process steps through voice, and can also prompt the user where the user needs to fill in information or prompt the user about the transaction risk which needs to be noticed by the user through marking on a host desktop of the VTM.

In the embodiment of the application, the target service can be continuously transacted only by determining the identity of the user, so that the security of transacting the target service is improved, and the risk of stealing the user account by other people is reduced.

Referring to fig. 3, fig. 3 is a schematic structural diagram of an embodiment of a financial service-based transaction apparatus according to an embodiment of the present application, including:

a first receiving unit 301, configured to receive a request for a user to transact a target service, where the request includes a service type of the target service;

a first access unit 302, configured to access a first host in the remote teller system according to the service type, so that the first host processes the target service and obtains target service data, where the first host is configured to provide a target service handling instruction for the user through a target teller;

a second receiving unit 303, configured to receive feedback information of the first host, where the feedback information is used to indicate that the first host lacks target service process data required for handling the target service, and the feedback information carries second host information, where the second host information is determined by the target service data, and the second host information is information of a host in a remote expert system;

a second access unit 304, configured to access a second host in the remote expert system according to the feedback information, where the second host is configured to provide target service handling guidance for the user through a target expert;

an instructing unit 305, configured to instruct the first host to send the target service data to the second host, so that the second host determines the target service process data according to the target service data;

a transaction unit 306, configured to transact the target service for the user according to the target service flow data through the first host or the second host.

In this embodiment of the application, the first access unit 302 accesses the first host to enable the first host to process the target service to obtain target service data, the second receiving unit 303 receives feedback information of the first host, the second access unit 304 accesses the second host according to the feedback information, the indicating unit 305 indicates the first host to send the target service data to the second host, so that the second host determines target service flow data according to the target service data, and the handling unit 306 handles the target service for the user according to the target service flow data through the first host or the second host. According to the method, the first access unit 301 is connected to the first host, so that the target teller processes the target service through the first host, the first host obtains target service data, the target teller obtains the service actually required by the user through processing the target service, the second host operated by the target expert can be selected for the user through the first host according to the actual requirement of the user, the target teller matches the target expert suitable for the actual requirement of the user, the probability of matching the wrong service expert for the user is reduced, the time of the user and the service expert is saved, and the service handling efficiency is improved.

Referring to fig. 4, fig. 4 is another schematic structural diagram of a financial services based transaction apparatus according to an embodiment of the present application, including:

a first receiving unit 401, configured to receive a request for a user to transact a target service, where the request includes a service type of the target service;

the starting unit 402 is configured to start a VTM video service when it is determined that the VTM video service needs to be started according to the target service type;

a first access unit 403, configured to access a first host in the remote teller system according to the service type, so that the first host processes the target service and obtains target service data, where the first host is configured to provide a target service transaction guidance for the user through a target teller;

optionally, a determining unit 404, configured to determine an identity of the user;

optionally, the determining unit 404 is specifically configured to obtain user identity information, where the identity information includes user identity image information; determining the user identity according to the user identity image information through the first host;

optionally, the determining unit 404 is specifically configured to obtain user identity information, where the identity information includes the user identity image information;

shooting the face of the user by using a camera to generate face image information of the user;

and determining that the face image information of the user is consistent with the identity image information of the user.

A second receiving unit 405, configured to receive feedback information of the first host, where the feedback information is used to indicate that the first host lacks target service process data required for handling the target service, and the feedback information carries second host information, where the second host information is determined by the target service data, and the second host information is information of a host in a remote expert system;

a second access unit 406, configured to access a second host in the remote expert system according to the feedback information, where the second host is configured to provide a target service handling guidance for the user through a target expert;

an indicating unit 407, configured to instruct the first host to send the target service data to the second host, so that the second host determines the target service process data according to the target service data;

a transaction unit 408, configured to transact the target service for the user according to the target service flow data through the first host or the second host.

Optionally, the transaction unit 408 is specifically configured to establish a first shared control interface between the interface of the second host and the interface of the VTM, so that the second host transacts the target service for the user according to the target service flow data through the first shared control interface.

Optionally, the transaction unit 408 is specifically configured to instruct the second host to send the target business process data to the first host; and establishing a second shared control interface between the interface of the first host and the interface of the VTM, so that the first host transacts the target service for the user according to the target service flow data through the second shared control interface.

The functions executed by each unit of the service handling apparatus in this embodiment correspond to the steps described in the embodiments shown in fig. 1 to fig. 2, and are not described herein again in detail.

Referring to fig. 5, fig. 5 is another schematic structural diagram of a financial services based transaction apparatus in an embodiment of the present application, including:

a memory 501, a central processing unit 502, an input/output interface 503, a wired or wireless network interface 504 and a power supply 505;

the memory 501 is a transient storage memory or a persistent storage memory;

the cpu 502 is configured to communicate with the memory 501 and execute the instructions in the memory 501 to perform the method corresponding to the steps in the embodiments shown in fig. 1-2.

The embodiment of the present application further provides a computer-readable storage medium, which includes instructions, and when the instructions are executed on a computer, the instructions cause the computer to execute the method corresponding to the embodiment shown in fig. 1 to fig. 2.

It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.

In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a read-only memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and the like.