Asset proxy method, device, electronic device and storage medium

Abstract

Embodiments of the present application disclose an ESOP-based asset agency method, device, electronic device, and computer-readable storage medium. The method includes: receiving an asset agency request sent by a client, where the asset agency request includes the identity information of the asset holder; performing identity authentication on the asset holder according to the identity information; updating the authentication status associated with the user name affiliated with the target agency account according to the result of the identity authentication, where the user name is used to identify the asset holder, and the asset holder belongs to the asset consignor corresponding to the target agency account; if the updated authentication status indicates successful identity authentication, acting as an agent for the assets to be held by the asset holder, and the assets to be held by the asset holder include incentive assets obtained from the asset consignor corresponding to the target agency account. The solution of the embodiments of the present application can reduce the risk of asset agency.

Description

Technical Field

[0001] This application relates to the field of financial technology. Specifically, it relates to an asset agency method based on ESOP, an asset agency device based on ESOP, an electronic device, and a computer-readable storage medium. Background Art

[0002] In recent years, with the rapid development of the financial industry, financial supervision has been continuously improved. Facing the increasingly strict requirements of regulatory agencies, in-depth understanding of customers and rapid customer identification are important requirements.

[0003] Trust is a property management system and legal act centered on assets, based on trust, and in the form of entrustment. It means that the trustor entrusts his property rights to the trustee based on trust in the trustee. The trustee manages or disposes of the property in his own name according to the trustor's wishes for the benefit of the beneficiary or for a specific purpose. Before a trust company acts as an agent for a customer's assets, it usually uses a manual method to authenticate the customer's identity once, but the reliability of this method is low, and it will also reduce the efficiency of data management in the asset agency process. Summary of the Invention

[0004] To solve the above technical problems, embodiments of the present application provide an asset agency method based on ESOP, an asset agency device based on ESOP, an electronic device, and a computer-readable storage medium.

[0005] According to one aspect of the embodiments of the present application, an asset agency method based on ESOP is provided. The method is applied to an asset escrow system based on ESOP. Different asset consignors correspond to different agency accounts in the asset escrow system. The method includes: receiving an asset agency request sent by a client, where the asset agency request includes the identity information of the asset holder; authenticating the identity of the asset holder according to the identity information; updating the authentication status associated with the user name subordinate to the target agency account according to the result of the identity authentication, where the user name is used to identify the asset holder, and the asset holder belongs to the asset consignor corresponding to the target agency account; if the updated authentication status indicates successful identity authentication, acting as an agent for the assets to be held by the asset holder, and the assets to be held by the asset holder include incentive assets obtained from the asset consignor corresponding to the target agency account.

[0006] In an exemplary embodiment, authenticating the identity of the asset holder according to the identity information includes: identifying the identity of the asset holder; if the identity identification passes, conducting a risk review of the asset holder.

[0007] In an exemplary embodiment, a risk review is performed on an asset holder, including: passing the identity information into a verification server by invoking a specified interface, so that the verification server determines whether the asset holder exists in a preset risk list; and receiving the review result returned by the verification server.

[0008] In an exemplary embodiment, a risk review is performed on an asset holder, including: obtaining the total asset information of the asset holder; and reviewing the assets to be held and the total asset information of the asset holder.

[0009] In an exemplary embodiment, the method further includes: if the identity recognition fails, sending an identification result indicating the failure of identity recognition to the client, so that the client sends the identity information of the asset holder to the ESOP-based asset escrow system, triggering the re-authentication of the asset holder in the ESOP-based asset escrow system.

[0010] In an exemplary embodiment, acting as an agent for the assets of an asset holder includes: receiving a target instruction sent by the client; and processing the assets held on behalf of the asset holder in response to the target instruction.

[0011] In an exemplary embodiment, the method further includes: creating an agency account for storing the assets of the asset consignor, and multiple asset holders are associated with the asset consignor; and dividing the assets held by the asset consignor into the corresponding user names of the respective asset holders according to the asset distribution strategy of the asset consignor for each asset holder.

[0012] According to one aspect of the embodiments of the present application, an ESOP-based asset agency device is provided, including a receiving module for receiving an asset agency request sent by a client, the asset agency request including the identity information of an asset holder; an authentication module for authenticating the identity of the asset holder according to the identity information; an update module for updating the authentication status associated with the user name subordinate to a target agency account according to the result of the identity authentication, where the user name is used to identify the asset holder, and the asset holder is subordinate to the asset consignor corresponding to the target agency account; and an agency module for acting as an agent for the assets to be held by the asset holder after the updated authentication status indicates successful identity authentication, and the assets to be held by the asset holder include incentive assets obtained from the asset consignor corresponding to the target agency account.

[0013] According to one aspect of the embodiments of the present application, an electronic device is provided, including a processor and a memory, and a computer-readable instruction is stored on the memory, and when the computer-readable instruction is executed by the processor, the above-mentioned ESOP-based asset agency method is implemented.

[0014] According to one aspect of the embodiments of the present application, a computer-readable storage medium is provided, on which computer-readable instructions are stored. When the computer-readable instructions are executed by a processor of a computer, the computer is caused to execute the ESOP-based asset agency method provided above.

[0015] According to one aspect of the embodiments of the present application, a computer program product or a computer program is provided. The computer program product or the computer program includes computer instructions, and the computer instructions are stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes the ESOP-based asset agency method provided in the above various alternative embodiments.

[0016] In the technical solution provided by the embodiments of the present application, each time the client sends an asset agency request to the asset escrow system, the ESOP-based asset escrow system authenticates the corresponding asset holder, and updates the authentication status associated with the user name affiliated under the target agency account according to the obtained result of the identity authentication. That is, in this embodiment, the existing manual authentication method is replaced by the ESOP-based asset escrow system to perform automated authentication and information update for each asset agency request initiated by the client, so that the asset agency party (i.e., the trust company) can determine whether to act as an agent for the assets of the asset holder according to the updated authentication status in the ESOP-based asset escrow system, improving the reliability of the asset agency party in authenticating its customers and the data management efficiency during the asset incentive process for all parties in asset agency.

[0017] It should be understood that the above general description and the following detailed description are only exemplary and explanatory, and cannot limit the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] The accompanying drawings here are incorporated into the specification and constitute a part of this specification, showing embodiments consistent with the present application, and are used together with the specification to explain the principles of the present application. Obviously, the accompanying drawings in the following description are only some embodiments of the present application. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts. In the drawings:

[0019] Figure 1 is a flowchart of an ESOP-based asset agency method shown in an exemplary embodiment of the present application;

[0020] Figure 2 is Figure 1 the interface diagram of an ESOP-based asset escrow system in the shown embodiment in an exemplary embodiment;

[0021] Figure 3 Yes Figure 1 It is the flowchart of step S200 in the illustrated embodiment in an exemplary embodiment;

[0022] Figure 4 Yes Figure 3 It is the flowchart of step S220 in the illustrated embodiment in an exemplary embodiment;

[0023] Figure 5 Yes Figure 1 It is the flowchart of step S200 in the illustrated embodiment in an exemplary embodiment;

[0024] Figure 6 Yes Figure 3 It is the flowchart of step S220 in the illustrated embodiment in an exemplary embodiment;

[0025] Figure 7 Yes Figure 1 It is the flowchart of step S400 in the illustrated embodiment in an exemplary embodiment;

[0026] Figure 8 Yes in Figure 1 It is the flowchart of an exemplary ESOP-based asset proxy method proposed on the basis of the illustrated embodiment;

[0027] Figure 9 It is the block diagram of an ESOP-based asset proxy device shown in an exemplary embodiment of the present application;

[0028] Figure 10 It shows the structural schematic diagram of the computer system of the electronic device suitable for implementing the embodiments of the present application. Detailed implementation manners

[0029] Here, the exemplary embodiments will be described in detail, and the examples are shown in the drawings. When the following description refers to the drawings, unless otherwise indicated, the same numbers in different drawings represent the same or similar elements. The implementation manners described in the following exemplary embodiments do not represent all the implementation manners consistent with the present application. On the contrary, they are only examples of the devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0030] The block diagrams shown in the drawings are only functional entities and do not necessarily correspond to physically independent entities. That is, these functional entities can be implemented in software form, or implemented in one or more hardware modules or integrated circuits, or implemented in different networks and / or processor devices and / or microcontroller devices.

[0031] The flowcharts shown in the accompanying drawings are merely illustrative and not necessarily inclusive of all content and operations / steps, nor are they necessarily to be executed in the order described. For example, some operations / steps can be further decomposed, while some operations / steps can be combined or partially combined. Therefore, the actual execution order may be changed according to the actual situation.

[0032] It should also be noted that: "a plurality of" as mentioned in this application means two or more. "And / or" describes the association relationship of associated objects, indicating that there can be three relationships. For example, A and / or B can represent: A exists alone, A and B exist simultaneously, and B exists alone. The character " / " generally indicates that the associated objects before and after are in an "or" relationship.

[0033] Generally, a trust company will only dispatch employees to authenticate the information of a customer before signing a contract with the asset holder who requests asset agency to ensure the legality of the assets under the name of the asset holder. If the authentication is successful, the authentication will not be repeated before performing the specific fund agency business. Since the information of the customer, such as the information of the customer in the credit investigation system, is updated in real time, if the updated user information is used to authenticate the customer again, the customer who has passed the authentication before may not be able to pass the authentication again. If the asset agency business for this customer continues at this time, it will increase the risk of fund agency for the trust company.

[0034] To solve at least the above problems in the prior art, embodiments of the present application respectively propose an asset agency method, an asset agency device, an electronic device, and a computer-readable storage medium. The following will describe these embodiments in detail.

[0035] First of all, it should be noted that the embodiments of this application relate to an asset escrow system based on ESOP. This system can be understood as an information platform used to provide data support for the operation of a trust company, and generally has functions such as data collection, processing, and display. ESOP (Employee Stock Ownership Plans, abbreviated as ESOP), also known as the company's employee stock ownership plan, refers to a new type of equity arrangement in which internal employees of an enterprise subscribe to a part of the enterprise's equity and entrust a special agency (such as an employee stock ownership association, a trust foundation, etc.) to operate in the capacity of a corporate legal person, manage centrally, and participate in the management of the board of directors, and share dividends according to shares. ESOP is a form of joint-stock system in which enterprise employees own the property rights of the enterprise, including two methods: non-leveraged ESOP and leveraged ESOP. Non-leveraged ESOP means that in the process of implementing the employee stock ownership plan, it does not rely on external financial support, and mainly adopts methods such as stock bonuses or a combination of stock bonuses and purchase funds to solve the problem. Leveraged ESOP (LESOP) usually involves the company using the stocks to be purchased by LESOP as collateral to finance from commercial banks or other financial institutions. The funds obtained are used to purchase stocks, and only when LESOP regularly uses the company's donations to repay the principal and interest can this part of the stocks be gradually and proportionally transferred to the employees' private accounts. Its purpose is one of the measures taken by high-tech companies in the initial stage of establishment to retain personnel and boost morale due to the lack of working capital.

[0036] In the asset escrow system based on ESOP, different agency accounts are established for different asset consignors. It should be understood that the asset consignors can be entities such as companies and collectives. Multiple user identifiers can be associated under each asset consignor. For example, these user identifiers can be employees under a certain company. In an exemplary application scenario, there is a need to allocate the assets of a certain company to its subordinate employees, and the assets allocated to the subordinate employees still belong to the company to a certain extent. Therefore, the assets allocated to the employees should also be uniformly escrowed by the trust company. These employees are also called asset holders for the trust company.

[0037] Please refer to Figure 1 , Figure 1 is a flowchart of an asset agency method based on ESOP shown in an exemplary embodiment of this application. This method is applied to the asset escrow system based on ESOP mentioned above. As Figure 1 shown, the asset agency method based on ESOP provided in this embodiment includes step S100 - step S400, and the detailed description is as follows:

[0038] Step S100: Receive an asset agency request sent by the client. The asset agency request includes the identity information of the asset holder.

[0039] In this embodiment, when the asset holder needs the asset trustee to make changes to its assets, it sends an asset agency request to the ESOP-based asset escrow system through the client. Asset changes include option exercises, stock trading, fund withdrawals, public funds, private funds, securities company asset management, futures asset management, bank wealth management, trust products, etc., which are not specifically limited here.

[0040] Assets refer to resources formed by past transactions or events of entities such as enterprises, owned or controlled by entities such as enterprises, and expected to bring economic benefits to enterprises. Resources that cannot bring economic benefits cannot be regarded as assets and are the rights of entities such as enterprises. Assets can be classified into current assets, long-term investments, fixed assets, intangible assets, and other assets according to liquidity. Among them, current assets refer to assets that can be realized or consumed within 1 year or within 1 business cycle exceeding 1 year, including cash, bank deposits, short-term investments, accounts receivable and prepayments, prepaid expenses, inventories, etc. Long-term investments refer to investments other than short-term investments, including various equity investments with a holding period of more than 1 year (excluding 1 year), bonds that cannot be realized or are not intended to be realized, other debt investments, and other long-term investments. Fixed assets refer to houses, buildings, machines, machinery, transportation tools used by enterprises for more than 1 year, as well as other equipment, appliances, tools, etc. related to production and operation. Intangible assets refer to non-monetary long-term assets without physical form held by enterprises for the purpose of producing goods, providing services for lease to others, or for management purposes. Other assets refer to assets other than current assets, long-term investments, fixed assets, and intangible assets, such as long-term prepaid expenses formed by fixed assets, repairs, and renovation expenditures.

[0041] In this embodiment, the asset holder is the owner of the assets. Asset holders include, but are not limited to, individuals, companies, partnership entities, trust companies, insurance companies, and financial institutions such as banks.

[0042] The identity information of the asset holder in the asset agency request includes, but is not limited to, name, gender, ethnicity, date of birth, address, citizen ID number, issuing authority, expiration date, mobile phone number, social security record, transaction flow, the individual's unit, occupation, income, place of residence, and other information.

[0043] In this embodiment, the identity information of the asset holder can be submitted in various information forms, such as text, pictures, recordings, etc., which are not specifically limited here.

[0044] Step S200: Authenticate the identity of the asset holder based on the identity information.

[0045] In this embodiment, the authentication of the identity of the asset holder mainly includes the following aspects.

[0046] 1. Verification of identity information and credit status:

[0047] The verification of identity information can be achieved by relying on the National Citizen Identity Number Inquiry Service Center. The National Citizen Identity Number Inquiry Service Center provides citizen identity information authentication services. The authentication mode is that the user transmits data such as the citizen identity number and name of the person to be authenticated through the network channel of the telecommunications operator to the National Population Information Social Application Platform of the Ministry of Public Security for comparison, and the inquiry center will return a comparison result of "consistent" or "inconsistent". In actual application scenarios, during due diligence, customer identity verification can be completed by comparing the identity information of each subject in the insurance and trust relationships.

[0048] Another example is that for personal credit status, financial institutions can verify the credit status of customers and relevant personnel by purchasing and accessing the credit system.

[0049] 2. Degree of match of customer asset status and key points of verification.

[0050] To exclude situations such as asset holding on behalf and illegal sources of property to the greatest extent and fulfill relevant risk review obligations, in specific practices, all financial institutions, whether banks, trust companies or insurance companies, will highly focus on the issue of the degree of match of customer asset status. For example, in the family trust business, as the trustee, the trust company has the obligation to review the degree of match between the asset scale of the settlor and the asset scale to be delivered to the trust to exclude the possibility of illegal interest transfer through the trust. Another example is that in the life insurance business, one of the important ways to avoid insurance risks is to verify the degree of match between the customer's asset status, income-generating ability and the insured amount they intend to apply for. When conducting due diligence on the degree of match of natural person asset status, the personal property of natural person customers mainly needs to be concerned, which mainly includes self-owned property, property from third parties and occasional income, and the self-owned property can be further divided into active income and passive income.

[0051] In this embodiment, identity authentication of the asset holder can be performed based on financial platforms such as the Global Financial Risk Data System, the National Population Information Social Application Platform, and the credit system, which is not specifically limited here.

[0052] Before acting as an agent for the assets of the asset holder in this embodiment, performing identity authentication on the asset holder can ensure that its customers meet market supervision requirements, thereby reducing the risks of carrying out the capital agency business.

[0053] Step S300: According to the result of the identity authentication, update the authentication status associated with the user name subordinate to the target agency account, where the user name is used to identify the asset holder, and the asset holder belongs to the asset consignor corresponding to the target agency account.

[0054] In this embodiment, the asset trustee creates one or more proxy accounts for the asset entrusting party in advance to store the assets of the asset entrusting party. The proxy account includes one or more user names associated with the asset holders, the asset information under the corresponding user names, and the authentication status associated with the user names, wherein the authentication status associated with the user names is used to characterize the result of the identity authentication of the asset holder corresponding to the user names. In this embodiment, the result of the identity authentication is identity authentication success or identity authentication failure. For example, when the result of the identity authentication of a certain asset holder is identity authentication success or identity authentication failure, the authentication status associated with the user name corresponding to the asset holder under the proxy account is "identity authentication success" or "identity authentication failure".

[0055] In this embodiment, the target proxy account is the proxy account corresponding to the asset entrusting party to which the asset holder belongs.

[0056] In this embodiment, as long as the ESOP-based asset custody system receives the asset proxy request sent by the receiving client, it will authenticate the identity information of the asset holder included in the asset proxy request, and then update the authentication status associated with the user name under the target proxy account according to the result of the identity authentication. Since the authentication status associated with the user name under the target proxy account is updated in real time, it is possible to timely discover asset holders who do not comply with market regulatory rules and reduce the risk of asset proxy. In addition, this embodiment represents the structure of the identity authentication through a parameter, namely the authentication status, so that the asset trustee can view the results of the identity review of the corresponding asset holder at any time through the ESOP-based asset custody system, thereby improving the user experience.

[0057] In this embodiment, the ESOP-based asset custody system can display relevant information of the asset entrustor who has a trust relationship with the asset trustee, such as the ID number that uniquely identifies the asset entrustor and information of multiple asset holders affiliated with the asset entrustor. The information of the asset holder includes the user name, contact information, identity information corresponding to the asset holder, the authentication status associated with the user name corresponding to the asset holder under the corresponding proxy account, etc., and no further limitations are made here.

[0058] For example, see Figure 2 , Figure 2 yes Figure 1 The interface diagram of the ESOP-based asset escrow system in an exemplary embodiment is shown in FIG. Figure 2As shown, the current interface is the account management page of a company named dawnTest as the asset consignor. On this current page, there are multiple pieces of employee information belonging to dawnTest, including employee usernames, employee mobile phone numbers, employee ID photos, employee asset information, and the authentication status of employees. The authentication status includes three states: "passed", "failed", or "unauthenticated". The ESOP-based asset agency method provided in this embodiment can learn about the latest authentication status of the employees of dawnTest, the asset holder, through this interface of the ESOP-based asset escrow system, and determine whether to conduct agency business for the assets of the corresponding asset holder based on this authentication status.

[0059] Step S400: If the updated authentication status indicates successful identity authentication, conduct agency for the assets to be held by the asset holder.

[0060] In this embodiment, the assets to be held by the asset holder, that is, the part of the assets that the asset holder requests the asset trustee to act as an agent for, can be all or part of the assets of the asset holder, and no specific limitation is made here.

[0061] In the technical solution provided in this embodiment, each time the client sends an asset agency request to the ESOP-based asset escrow system, the ESOP-based asset escrow system will authenticate the identity of the corresponding asset holder and update the authentication status associated with the username affiliated with the target agency account according to the obtained identity authentication result. That is, this embodiment replaces the existing manual authentication method with automated authentication and information update by the ESOP-based asset escrow system for each asset agency request initiated by the client, enabling the asset agency party (i.e., the trust company) to determine whether to conduct agency for the assets of the asset holder based on the updated authentication status in the ESOP-based asset escrow system, improving the reliability of the asset agency party's identity authentication of its customers, thereby being able to reduce the asset agency risk of the asset agency party and improve the data management efficiency during asset agency for all parties in the asset incentive process.

[0062] Refer to Figure 3 , Figure 3 is Figure 1 The flowchart of step S200 in the exemplary embodiment shown, as Figure 3 shown, step S200 may include step S210 - step S220, which are described in detail as follows:

[0063] Step S210: Identify the asset holder.

[0064] In this embodiment, the identity of the asset holder is identified to determine whether the assets requested to be agented belong to the identity information of the asset holder in the asset agent request. If they do, the asset holder has the right to request changes to the assets requested to be agented. By including the identity identification of the asset holder in the asset agent request, the asset security of the client of the asset trustee can be guaranteed.

[0065] In this embodiment, the customer's identity can be identified and authenticated through methods such as customer due diligence, enhanced due diligence, fingerprint and face recognition, etc., which are not specifically limited here.

[0066] In a specific application scenario, when the asset trustee establishes a trust relationship with the asset entrustor, it collects the identity information of the asset holder belonging to the corresponding asset entrustor in advance, establishes an identity information table of the asset holder and displays it in the ESOP-based asset custody system, matches the identity information of the asset holder in the asset proxy request with the identity information table, and then determines the assets under the name of the asset holder that matches the identity information of the asset holder in the asset proxy request. If the asset requested for agency belongs to the asset holder that matches the identity information of the asset holder in the asset proxy request, it is determined that the asset requested for agency belongs to the identity information of the asset holder in the asset proxy request.

[0067] Exemplarily, if identity recognition fails, an identification result indicating the failure of identity recognition is sent to the client, so that the client sends the identity information of the asset holder to the ESOP-based asset custody system, triggering the re-authentication of the asset holder in the ESOP-based asset custody system. Considering that the reason for the failure of identity recognition of the asset holder may be that the identity information sent by the client to the ESOP-based asset custody system is incorrect, in this case, the information of the identity recognition failure is fed back to the client, so that the client sends the correct identity information to the ESOP-based asset custody system, triggering the re-authentication of the asset holder in the ESOP-based asset custody system. Exemplarily, the identification result indicating the failure of identity recognition includes the specific reason for the failure of identification recognition or the specific parameters of the failure of identification such as ID number, telephone number, etc., so that the client can check the identity information in a targeted manner according to the identification result, thereby simplifying the process of identity recognition.

[0068] Step S220: If the identity recognition is passed, a risk review is conducted on the asset holder.

[0069] In this embodiment, various types of risk review procedures can be performed on the asset holder according to different risk review intensities or different application scenarios, which are not specifically limited herein. Exemplarily, the identity information of the asset holder in the asset agency request is matched with the credit investigation system to confirm whether the asset holder has any bad financial behaviors, and further determine whether there is a possibility of illegality of the assets under the asset holder's name. The credit investigation system includes the Enterprise Credit Information Basic Database and the Personal Credit Information Basic Database. The main users of the credit investigation system are financial institutions such as trust companies. It is connected to the headquarters of the financial institution through a dedicated line, and the terminal is extended to the business counters of the internal personnel of the trust company through the intranet system of the trust company. The information sources of the credit investigation system are mainly also financial institutions such as trust companies and commercial banks. The information collected includes the basic information of enterprises and individuals, credit information such as loans and guarantees in financial institutions, and the main financial indicators of enterprises.

[0070] Exemplarily, the identity information of the asset holder in the asset agency request is matched with the global financial risk data system to determine whether the asset holder has a record of involving financial risks. The global financial risk data is used to record the list of persons with financial risk behaviors, and financial risk behaviors include, for example, bribery, corruption, fraud, etc.

[0071] In this embodiment, due to various reasons, the asset trustee is unable to conduct a risk review on the asset holder. For example, the asset trustee has no authority to conduct a risk review on the asset holder, or the asset trustee is unable to collect the identity information or background information of the asset holder, resulting in the inability to conduct a comprehensive risk review on the asset holder, etc. Exemplarily, a specified interface is called to conduct a risk review on the asset holder. The specified interface is a specified application programming interface. For example, it simplifies and accelerates the due diligence process for users, making compliance risk prevention and control and remedies faster and smarter. The risk is reduced through a three-stage process of "identity, location, and ownership screening", "risk screening", and "enhanced due diligence background screening" to prevent enterprises or individuals from being inadvertently involved in commercial behaviors with financial risks.

[0072] Refer to Figure 4 , Figure 4 is Figure 3 The flowchart of step S220 in the exemplary embodiment shown, as Figure 4 shown, step S220 may include step S221 - step S222, which are described in detail as follows:

[0073] Step S221: By calling the specified interface, the identity information is passed into the verification server so that the verification server determines whether the asset holder exists in the preset risk list.

[0074] In this step, various different application programming interfaces can be called to conduct a more comprehensive risk review process for the asset holder. The verification server pre-saves a risk blacklist, which records suspicious persons or those with a criminal record. When the verification server determines that the asset holder is on the risk list, the review result is determined to be failed; otherwise, the review result is passed.

[0075] Step S222: Receive the review result returned by the verification server.

[0076] In this embodiment, after the ESOP-based asset escrow system receives the review result, if the review result is failed, the review result indicating the review failure is fed back to the background of the ESOP-based asset escrow system to initiate an operation to conduct a risk review for the asset holder again based on the background.

[0077] Exemplarily, after the background of the ESOP-based asset escrow system receives the review result indicating the review failure, it checks whether the identity information of the asset holder passed to the verification server is correct. If not, the correct identity information of the asset holder is passed to the verification server so that the verification server can determine again whether the asset holder is on the risk list.

[0078] Exemplarily, after the background receives the review result indicating the review failure, it calls other application programming interfaces to pass the identity information to the verification server corresponding to the application programming interface so that the verification server can determine whether the asset holder is on the risk list. If the review results indicate failure for a preset number of times, it is determined that the corresponding asset holder fails the identity authentication, and the ESOP-based asset escrow system does not act as an agent for the held assets under its name.

[0079] In a specific application scenario, refer to Figure 5 , Figure 5 is Figure 1 the flowchart of step S200 in the exemplary embodiment shown in Figure 5As shown, after receiving the identity information of the asset holder, the ESOP-based asset escrow system identifies the asset holder and determines whether the identity verification is passed. If it fails, the result indicating the failure of identity verification is fed back to the client so that the client can re-enter the user's identity information. If the identity verification is successful, the risk review of the asset holder is continued, and it is determined whether it is passed. If the risk review is successful, it means that the identity authentication of the asset holder is successful. If it fails, the review result indicating the failure of the risk review is sent to the background of the ESOP-based asset escrow system so that the background staff can conduct a manual risk review of the asset holder according to the review result. If the manual risk review is successful, it means that the identity authentication of the asset holder is successful. If the manual risk review fails, the review result is sent to the client so that the client can re-initiate the identity authentication process for the asset holder.

[0080] In this embodiment, the risk review of the asset holder is carried out by calling a specified interface. On the one hand, it enables the asset trustee not to develop a complete review program, reducing the risk review cost of the trustee and simplifying the risk review cost. On the other hand, since the specified interface, such as Refinitiv's World-Check One screening platform, can implement a more comprehensive and accurate risk review program and provide comprehensive risk review data for risk review, it can improve the accuracy of risk review and reduce the agency risk of the asset trustee.

[0081] Refer to Figure 6 , Figure 6 is Figure 3 The flowchart of step S220 in the embodiment shown in Figure 6 As shown, step S220 may include step S223-step S224, which are described in detail as follows:

[0082] Step S223: Obtain the total asset information of the asset holder.

[0083] The total asset information of the asset holder includes all stock, bond or fund information under the name of the asset holder. Exemplarily, the total asset information of the asset holder is that the asset holder submits its total asset information at the request of the asset trustee, and the total asset information includes the amount of assets and the legal certification documents corresponding to the assets, etc.

[0084] Step S224: Review the assets to be held according to the total asset information of the asset holder.

[0085] In this embodiment, the asset trustee may entrust a third-party institution such as an accounting firm, a law firm, or an asset appraisal institution to issue a professional opinion on the assets to be held by the asset holder based on the total assets information of the asset holder and refer to it during project review. Whether the trust company audits the assets held on behalf of the asset holder by itself or entrusts a third party to conduct the audit, it needs to bear the risks and responsibilities associated with the audit of the assets held on behalf of the asset holder.

[0086] Optionally, in this embodiment, the audit of the assets to be held based on the total assets information of the asset holder may further include: auditing the matching degree between the asset scale of the asset holder and the asset scale to be delivered to the trust to exclude the possibility of illegal benefit transfer through the trust. Specifically, based on the total assets information of the asset holder and the scale of the assets to be held delivered to the trust, determine the difference degree between the total assets and the assets to be held. If the difference degree is higher than the set threshold, it indicates a risk. Specifically, the difference degree can be calculated through the following formula:

[0087]

[0088] Wherein, represents the difference degree between the total assets and the assets to be held; represents the difference degree factor; represents the total assets; represents the assets held on behalf.

[0089] Refer to Figure 7 , Figure 7 is Figure 1 The flowchart of step S400 in the exemplary embodiment shown in Figure 7 As shown, step S400 may include step S410 - step S420, which are described in detail as follows:

[0090] Step S410: Receive the target instruction sent by the client.

[0091] In this embodiment, the target instruction is used to instruct the asset trustee to make changes to the assets of the asset holder, such as option exercise, stock trading, fund withdrawal, public offering funds, private placement funds, securities company asset management, futures asset management, purchasing bank wealth management products, trading trust products, etc., which are not specifically limited herein.

[0092] Step S420: Respond to the target instruction and process the assets held by the asset holder.

[0093] Exemplarily, after the asset trustee makes corresponding processing on the assets of the asset holder according to the target instruction, the processing result is fed back to the client so that the asset holder can be informed of the changes in its assets.

[0094] The solution provided in this embodiment can authenticate the asset holders on the ESOP-based asset escrow system and process the assets of the asset holders who have passed the authentication, realizing the onlineization of the asset agency business, and can avoid the tediousness and inefficiency of offline business execution.

[0095] Refer to Figure 8 , Figure 8 which is Figure 1 a flowchart of an exemplary ESOP-based asset agency method proposed on the basis of the embodiment shown.

[0096] In the prior art, an asset agent usually creates an account in his own name to store the assets he needs to act as an agent for, and hands over this account to the asset trustee for agency. However, in most cases, the enterprise where the asset agent is located cannot or does not want to let the asset holders open real accounts for various reasons. Then, the stocks, bonds or cash that should have been placed in the accounts under the names of the asset holders after the asset holders exercise their rights or vest in their enterprises have nowhere to be placed. Based on this, this embodiment creates an agency account under the name of the asset trustee to store the assets of multiple asset holders of the asset consignor to avoid the above situation.

[0097] As Figure 8 shown, on the basis of the embodiment shown in Figure 1 , before step S100, the method further includes steps S10 - S40, which are introduced in detail as follows:

[0098] Step S10: Obtain the information of the asset consignor and multiple asset holders associated with the corresponding asset consignor.

[0099] In this embodiment, the information of the asset consignor includes the asset information of the asset consignor, the asset allocation strategy of the corresponding asset consignor for each asset holder, and the identity information of multiple asset holders associated with the corresponding asset consignor.

[0100] Exemplarily, the identity information of multiple asset holders associated with the asset consignor is used for identity recognition before the asset holders need the asset trustee to make changes to their assets, including the names, dates of birth, ID photos, contact information, etc. of the asset holders, which are not specifically limited here.

[0101] Exemplarily, the asset information of the asset consignor includes the numbers, quantities, etc. of the assets such as equity, options or funds of the asset consignor.

[0102] Exemplarily, the asset consignor is an enterprise or institution, and the assets such as equity, options, or funds allocated by the enterprise or institution to some of its employees according to the long-term incentive mechanism. The long-term incentive mechanism is for the owners (shareholders) of the enterprise to encourage the management and employees to work together so that they can stably work in the enterprise for a long time and focus on the long-term benefits of the enterprise to achieve the long-term development goals of the enterprise. It is an enterprise management system that restricts and motivates employees and senior personnel by giving senior managers the right to purchase the company's shares (stocks) at an agreed price in a certain period in the future. The asset allocation strategy of the corresponding asset consignor for each asset holder includes the types of assets, asset shares, etc. allocated by the enterprise to the corresponding users of all asset holders.

[0103] Step S20: Display the information of the asset consignor and multiple asset holders associated with the corresponding asset consignor in the ESOP-based asset escrow system.

[0104] In this embodiment, by displaying the information of the asset consignor and multiple asset holders associated with the corresponding asset consignor in the ESOP-based asset escrow system, it is convenient for the asset trustee to view, record, export, etc. the information of its asset consignor, providing a basis for the asset agency business, improving the asset agency efficiency, and enhancing the user experience.

[0105] Step S30: Create an agency account, which is used to store the assets of the asset consignor, and the asset consignor is associated with multiple asset holders.

[0106] In this embodiment, the created agency account belongs to the asset trustee, that is, the assets of multiple asset holders of the asset consignor are stored in the agency account under the name of the asset trustee. Exemplarily, the asset trustee constructs an agency account for each customer enterprise and stores the assets of all asset holders of the corresponding customer enterprise in this agency account.

[0107] Step S40: According to the asset allocation strategy of the asset consignor for multiple asset holders, divide the assets held by the consignor into the corresponding users' names of the respective asset holders.

[0108] In this embodiment, according to the asset allocation strategy of the asset consignor for multiple asset holders, divide the assets held by the consignor into the corresponding users' names of the respective asset holders, so as to facilitate subsequent agency business for the assets in the corresponding users' names of the respective asset holders. For example, the enterprise allocates the first proportion of the shares of a certain stock to employee A, the second proportion of the shares of this stock to employee B, the third proportion of the shares of a certain option to employee C, and so on.

[0109] Participate Figure 9 , Figure 9The block diagram of an ESOP-based asset proxy device shown in an exemplary embodiment of the present application is as follows. Figure 9 As shown, the ESOP-based asset proxy device 30 includes a receiving module 31, an authentication module 32, an updating module 33, and a proxy module 34.

[0110] Among them, the receiving module 31 is used to receive the asset proxy request sent by the client, and the asset proxy request includes the identity information of the asset holder; the authentication module 32 is used to authenticate the identity of the asset holder according to the identity information; the updating module 33 is used to update the authentication status associated with the user name subordinate to the target proxy account according to the result of the identity authentication, where the user name is used to identify the asset holder, and the asset holder belongs to the asset consignor corresponding to the target proxy account; the proxy module 34 is used to proxy the assets to be held by the asset holder after the updated authentication status indicates successful identity authentication, and the assets to be held by the asset holder include the incentive assets obtained from the asset consignor corresponding to the target proxy account.

[0111] In another exemplary embodiment, the authentication module 32 includes an identity recognition unit and a risk review unit.

[0112] Among them, the identity recognition unit is used to recognize the identity of the asset holder; the risk review unit is used to conduct a risk review on the asset holder after the identity recognition is passed.

[0113] In another exemplary embodiment, the risk review unit includes a first risk review subunit and a receiving subunit. Among them, the first risk review subunit is used to transmit the identity information to the verification server by calling a specified interface, so that the verification server determines whether the asset holder exists in a preset risk list; the receiving subunit is used to receive the review result returned by the verification server.

[0114] In another exemplary embodiment, the risk review unit includes an acquisition subunit and a second risk review subunit. Among them, the acquisition subunit is used to acquire the total asset information of the asset holder; the second risk review subunit is used to review the assets to be held and the total asset information of the asset holder.

[0115] In another exemplary embodiment, the proxy module 34 includes a receiving unit and a proxy unit. Among them, the receiving unit is used to receive the target instruction sent by the client; the proxy unit is used to process the assets of the asset holder in response to the target instruction.

[0116] In another exemplary embodiment, the ESOP-based asset proxy device 30 provided in this embodiment further includes a creation module and a division module. The creation module is used to create a proxy account for storing the assets of the asset consignor, and multiple asset holders are associated with the asset consignor. The division module is used to divide the assets held by the asset consignor into the names of the corresponding users of the corresponding asset holders according to the asset distribution strategy of the asset consignor for each asset holder.

[0117] In another exemplary embodiment, the ESOP-based asset proxy device 30 provided in this embodiment further includes an acquisition module and a display module. The acquisition module is used to acquire the information of the asset consignor and the multiple asset holders associated with the corresponding asset consignor. The information of the asset consignor includes asset information, the asset distribution strategy of the corresponding asset consignor for each asset holder, and the identity information of the multiple asset holders associated with the corresponding asset consignor. The display module is used to display the information of the asset consignor and the multiple asset holders associated with the corresponding asset consignor in the ESOP-based asset escrow system.

[0118] It should be noted that the device provided in the above embodiment and the method provided in the above embodiment belong to the same concept. The specific manners in which each module and unit perform operations have been described in detail in the method embodiment and will not be repeated here.

[0119] In another exemplary embodiment, the present application provides an electronic device, including a processor and a memory. The memory stores computer-readable instructions, and when the computer-readable instructions are executed by the processor, the ESOP-based asset proxy method as described above is implemented.

[0120] Figure 10 The structural diagram of a computer system of an electronic device suitable for implementing the embodiments of the present application is shown.

[0121] It should be noted that Figure 10 The computer system 1000 of the electronic device shown is only an example and should not impose any limitations on the functions and usage scope of the embodiments of the present application.

[0122] Such as Figure 10As shown, computer system 1000 includes a Central Processing Unit (CPU) 1001, which can perform various appropriate actions and processes according to a program stored in a Read-Only Memory (ROM) 1002 or a program loaded from a storage section 1008 into a Random Access Memory (RAM) 1003, such as executing the information recommendation method in the above embodiments. In the RAM 1003, various programs and data required for system operations are also stored. The CPU 1001, ROM 1002, and RAM 1003 are connected to each other via a bus 1004. An Input / Output (I / O) interface 1005 is also connected to the bus 1004.

[0123] The following components are connected to the I / O interface 1005: an input section 1006 including a keyboard, a mouse, etc.; an output section 1007 including, for example, a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), etc. and a speaker, etc.; a storage section 1008 including a hard disk, etc.; and a communication section 1009 including a network interface card such as a LAN (Local Area Network) card, a modem, etc. The communication section 1009 performs communication processing via a network such as the Internet. A drive 1010 is also connected to the I / O interface 1005 as needed. A removable medium 1011, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1010 as needed so that a computer program read from it can be installed into the storage section 1008 as needed.

[0124] Specifically, according to an embodiment of the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present application includes a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a computer program for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network via the communication section 1009, and / or installed from the removable medium 1011. When the computer program is executed by a Central Processing Unit (CPU) 1001, various functions defined in the system of the present application are executed.

[0125] It should be noted that the computer-readable medium shown in the embodiments of the present application can be a computer-readable signal medium, a computer-readable storage medium, or any combination of the two. The computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the above. More specific examples of the computer-readable storage medium can include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM), a flash memory, an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, the computer-readable storage medium can be any tangible medium that contains or stores a program, and this program can be used by or in combination with an instruction execution system, apparatus, or device. In the present application, the computer-readable signal medium can include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable computer program. Such a propagated data signal can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. The computer-readable signal medium can also be any computer-readable medium other than the computer-readable storage medium, and this computer-readable medium can send, propagate, or transmit a program for use by or in combination with an instruction execution system, apparatus, or device. The computer program contained on the computer-readable medium can be transmitted by any suitable medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0126] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of systems, methods, and computer program products according to various embodiments of the present application. Among them, each block in the flowchart or block diagram can represent a module, a program segment, or a part of code, and the above module, program segment, or part of code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order than that marked in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, and they may sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the block diagram or flowchart, and the combination of blocks in the block diagram or flowchart, can be implemented by a dedicated hardware-based system for performing the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0127] The units involved in the embodiments described in this application can be implemented in software or in hardware, and the described units can also be provided in a processor. Among them, the names of these units do not, in some cases, limit the units themselves.

[0128] Another aspect of the present application further provides a computer-readable storage medium, on which computer-readable instructions are stored. When the computer-readable instructions are executed by a processor, an ESOP-based asset agency method according to any one of the previous embodiments is implemented.

[0129] Another aspect of the present application further provides a computer program product or a computer program. The computer program product or the computer program includes computer instructions, and the computer instructions are stored in a computer-readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes the ESOP-based asset agency method provided in each of the above embodiments.

[0130] It should be noted that the computer-readable medium shown in the embodiments of the present application can be a computer-readable signal medium, a computer-readable storage medium, or any combination of the two. A computer-readable storage medium can be, for example, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the above. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM), a flash memory, an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, the computer-readable storage medium can be any tangible medium that contains or stores a program, and this program can be used by or in conjunction with an instruction execution system, apparatus, or device. In the present application, a computer-readable signal medium can include a data signal propagated in a baseband or as part of a carrier wave, in which a computer-readable computer program is carried. Such a propagated data signal can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. The computer-readable signal medium can also be any computer-readable medium other than the computer-readable storage medium, and this computer-readable medium can send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device. The computer program contained on the computer-readable medium can be transmitted by any suitable medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0131] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of systems, methods, and computer program products according to various embodiments of the present application. Among them, each block in the flowchart or block diagram can represent a module, a program segment, or a part of code, and the above module, program segment, or part of code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order than marked in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, and they may sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the block diagram or flowchart, and the combination of blocks in the block diagram or flowchart, can be implemented by a dedicated hardware-based system for performing the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0132] The units involved in the embodiments described in this application can be implemented in software or in hardware, and the described units can also be provided in a processor. Among them, the names of these units do not, in some cases, constitute a limitation on the units themselves.

[0133] The above is only a preferred exemplary embodiment of this application and is not used to limit the implementation of this application. Those of ordinary skill in the art can easily make corresponding adaptations or modifications according to the main concept and spirit of this application. Therefore, the protection scope of this application should be subject to the protection scope required by the claims.

Claims

1. An asset agency method based on ESOP, characterized in that, The method is applied to an asset escrow system based on ESOP. Different asset consignors correspond to different proxy accounts in the asset escrow system. The method includes: Receiving an asset agency request sent by a client, where the asset agency request includes the identity information of the asset holder; Performing identity authentication on the asset holder according to the identity information. The identity authentication includes identity recognition of the asset holder and risk review after successful identity recognition. The risk review includes the matching between the identity information and the credit investigation system; Updating the authentication status associated with the user name subordinate to the target proxy account according to the result of the identity authentication, where the user name is used to identify the asset holder, and the asset holder belongs to the asset consignor corresponding to the target proxy account; If the updated authentication status indicates successful identity authentication, acting as an agent for the assets to be held by the asset holder. The assets to be held by the asset holder include incentive assets obtained from the asset consignor corresponding to the target proxy account.

2. The method according to claim 1, wherein The methods for performing risk review on the asset holder include: By calling a specified interface, transmitting the identity information to a verification server so that the verification server determines whether the asset holder exists in a preset risk list; Receiving the review result returned by the verification server.

3. The method according to claim 1, characterized in that, The methods for performing risk review on the asset holder include: Obtaining the total asset information of the asset holder; Reviewing the assets to be held and the total asset information of the asset holder.

4. The method according to claim 1, characterized in that, The method further includes: If the identity recognition fails, sending an identification result indicating failed identity recognition to the client, so that the client sends the identity information of the asset holder to the asset escrow system based on ESOP, triggering the re - performance of the identity authentication of the asset holder in the asset escrow system based on ESOP.

5. The method according to claim 1, wherein The acting as an agent for the assets of the asset holder includes: Receiving a target instruction sent by the client; Processing the assets held on behalf of the asset holder in response to the target instruction.

6. The method according to claim 1, wherein The method further includes: Creating the proxy account, which is used to store the assets of the asset consignor, and multiple asset holders are associated with the asset consignor; Dividing the assets held by the asset consignor into the corresponding user names of the asset holders according to the asset distribution strategy of the asset consignor for each asset holder.

7. The method according to claim 6, characterized in that, Before creating the proxy account, it includes: Obtaining the information of the asset consignor and multiple asset holders associated with the corresponding asset consignor. The information of the asset consignor includes asset information, the asset distribution strategy of the corresponding asset consignor for each asset holder, and the identity information of multiple asset holders associated with the corresponding asset consignor; Displaying the information of the asset consignor and multiple asset holders associated with the corresponding asset consignor in the asset escrow system based on ESOP.

8. An asset proxy device based on ESOP, characterized in that, It includes: A receiving module, which is used to receive an asset agency request sent by a client, where the asset agency request includes the identity information of the asset holder; An authentication module, configured to authenticate the identity of the asset holder according to the identity information, where the identity authentication includes identity recognition of the asset holder and risk review after successful identity recognition, and the risk review includes the matching between the identity information and the credit investigation system; An update module, configured to update the authentication status associated with the user name affiliated to the target proxy account according to the result of the identity authentication, where the user name is used to identify the asset holder, and the asset holder belongs to the asset consignor corresponding to the target proxy account; A proxy module, configured to proxy the assets to be held by the asset holder after the updated authentication status indicates successful identity authentication, where the assets to be held by the asset holder include incentive assets obtained from the asset consignor corresponding to the target proxy account.

9. An electronic device, characterized in that, Comprising: A memory storing computer-readable instructions; A processor, reading the computer-readable instructions stored in the memory to execute the method according to any one of claims 1-7.

10. A computer-readable storage medium, characterized in that, Computer-readable instructions are stored thereon, and when the computer-readable instructions are executed by a processor of a computer, the computer is caused to execute the method according to any one of claims 1-7.

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