Virtual reality (VR) interaction design needs to be built on the VR environment and simulation models. The design is closely related to the entire process of product model, target customer mental model, customer market, and customer demand evolution. Then, this article can be based on life, based on experience principles, cognitive sublimation, and behavioral characteristics, with users as the main body, to achieve innovation in consumer thinking patterns. It permeates the characteristics of life throughout the entire process of creative design, explores how to build e-commerce user experience and interaction design, and takes VR technology based intelligent interactive customer service as an example. Experimental research has demonstrated the convenience that intelligent voice machine customer service brings to bank customers (intelligent machine customer service reduces the number of complaints of incorrect operations by 31.87%).