Financial asset data query method and device, electronic equipment and storage medium

Abstract

The application discloses a financial asset data query method and device, electronic equipment and a storage medium, and relates to the field of financial technology and other related technical fields. The method comprises the following steps: acquiring, by a first system, an asset query request submitted by a first object for a second object; detecting, by the first system, whether the first object is an heir of the second object according to the object identifier of the second object and the object identifier of the first object; in the case that the first object is the heir of the second object, querying, by the first system, M pieces of financial data in the form of ciphertext corresponding to the second object from N second systems according to the object identifier of the second object; and determining, by the first system, the financial asset data of the second object according to the M pieces of financial data in the form of ciphertext. The application solves the technical problem of poor data security in the prior art when querying the inheritance information of the heir.

Description

Technical Field

[0001] This application relates to the field of financial technology and other related technical fields. Specifically, it relates to a method, apparatus, electronic device and storage medium for querying financial asset data. Background Technology

[0002] Currently, the scenarios of personal estate inheritance are becoming increasingly common. In these cases, heirs typically obtain information about the deceased's estate based on a will or by sorting through the deceased's belongings. They then use the relevant certificates or vouchers to inquire about and withdraw the estate from financial institutions. However, if a certain asset is omitted from the will or if there is a lack of supporting documentation, some of the estate may remain invisible to the heirs. For example, if all of the deceased's documents at financial institution A are lost, the heirs may not be aware that the deceased held financial assets at financial institution A.

[0003] In addition, when the deceased's financial assets are scattered across multiple financial institutions, the heirs often need to travel between different financial institutions multiple times to inquire about the deceased's financial asset information. During this process, the privacy of the deceased's financial asset data is difficult to protect effectively, resulting in poor data security during the inquiry process.

[0004] There is currently no effective solution to the above problems. Summary of the Invention

[0005] This application provides a method, apparatus, electronic device, and storage medium for querying financial asset data, in order to at least solve the technical problem of poor data security in the prior art when querying information on the estate of the deceased.

[0006] According to one aspect of this application, a method for querying financial asset data is provided, comprising: obtaining an asset query request submitted by a first object for a second object through a first system, wherein the first system is a system for managing object information of the second object, and the asset query request includes at least an object identifier of the first object and an object identifier of the second object; detecting whether the first object is an heir of the second object through the first system based on the object identifier of the second object and the object identifier of the first object; if the first object is an heir of the second object, querying M pieces of encrypted financial data corresponding to the second object from N second systems through the first system based on the object identifier of the second object, wherein N and M are both positive integers, and each of the N second systems is used to return at least one piece of encrypted financial data corresponding to the second object to the first system; and determining the financial asset data of the second object through the first system based on the M pieces of encrypted financial data.

[0007] Optionally, the financial asset data query method further includes: retrieving the asset-related person information corresponding to the second object from the database based on the object identifier of the second object, wherein the asset-related person information corresponding to the second object is used to record the information of the asset heirs of the second object; detecting whether the asset-related person information corresponding to the second object includes the object identifier of the first object; if the asset-related person information corresponding to the second object includes the object identifier of the first object, determining that the first object is the heir of the second object; if the asset-related person information corresponding to the second object does not include the object identifier of the first object, determining that the first object is not the heir of the second object.

[0008] Optionally, the financial asset data query method further includes: after detecting whether the first object is the successor of the second object based on the object identifier of the second object and the object identifier of the first object through the first system, if the first object is not the successor of the second object, prohibiting the querying of any financial data corresponding to the second object from the N second systems.

[0009] Optionally, the financial asset data query method further includes: before retrieving M pieces of encrypted financial data corresponding to the second object from N second systems based on the object identifier of the second object through the first system, if the first object is the successor of the second object, sending the system identifiers of the N second systems to the third system through the first system, wherein the third system is used to generate N public keys and one private key, wherein the private key is used to decrypt information encrypted by any one of the N public keys; and allocating one of the N public keys to each of the N second systems through the third system, wherein the public key corresponding to each second system is different, and the public key corresponding to each second system is used to encrypt the financial data of the second object in that second system into encrypted form.

[0010] Optionally, the financial asset data query method further includes: after allocating one of the N public keys to each of the N second systems through the third system, sending the private key to the terminal device of the first object through the third system.

[0011] Optionally, the financial asset data query method further includes: calculating M pieces of ciphertext financial data using a preset encryption algorithm between the first system and the second system to obtain the calculation result of the ciphertext financial data, wherein the preset encryption algorithm is a key generation algorithm pre-synchronized between the first system and the second system, and the calculation result of the preset encryption algorithm for the ciphertext data is consistent with the calculation result for the plaintext data; and using the calculation result of the ciphertext financial data as the financial asset data of the second object.

[0012] Optionally, the financial asset data query method further includes: after determining the financial asset data of the second object through the first system based on M pieces of encrypted financial data, sending the financial asset data of the second object to the terminal device of the first object; and decrypting the financial asset data of the second object through the terminal device of the first object based on the private key.

[0013] According to another aspect of this application, a financial asset data query device is also provided, comprising: an acquisition unit, configured to acquire an asset query request submitted by a first object for a second object through a first system, wherein the first system is a system for managing object information of the second object, and the asset query request includes at least an object identifier of the first object and an object identifier of the second object; a detection unit, configured to detect whether the first object is the successor of the second object based on the object identifier of the second object and the object identifier of the first object through the first system; a query unit, configured to, if the first object is the successor of the second object, query M pieces of encrypted financial data corresponding to the second object from N second systems based on the object identifier of the second object through the first system, wherein N and M are both positive integers, and each of the N second systems is used to return at least one piece of encrypted financial data corresponding to the second object to the first system; and a determination unit, configured to determine the financial asset data of the second object based on the M pieces of encrypted financial data through the first system.

[0014] According to another aspect of this application, a computer-readable storage medium is also provided, wherein a computer program is stored in the computer-readable storage medium, wherein the computer program controls the device where the computer-readable storage medium is located to execute the financial asset data query method described above when it is running.

[0015] According to another aspect of this application, an electronic device is also provided, wherein the electronic device includes one or more processors and a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors cause the one or more processors to implement the financial asset data query method described above.

[0016] In this application, a method of encrypting financial data throughout cross-system financial data interaction is adopted. First, an asset query request submitted by a first object targeting a second object is obtained through a first system. The first system manages the object information of the second object, and the asset query request includes at least the object identifiers of both the first and second objects. Then, the first system checks whether the first object is the successor of the second object based on the object identifiers of both the first and second objects. If the first object is the successor of the second object, the first system queries M encrypted financial data entries corresponding to the second object from N second systems based on the object identifier of the second object. Here, N and M are both positive integers, and each of the N second systems returns at least one encrypted financial data entry corresponding to the second object to the first system. Finally, the first system determines the financial asset data of the second object based on the M encrypted financial data entries.

[0017] As can be seen from the above, the technical solution of this application, after the first system initiates an asset query request, first verifies whether the first object is the heir of the second object, thereby achieving the purpose of verifying the identity information of the first object and realizing the technical effect of improving information security. Furthermore, when the first object is determined to be the heir of the second object, when the N second systems return M pieces of financial data corresponding to the second object to the first object, each piece of financial data is in encrypted form. The first system determines the financial asset data of the second object based on the M encrypted financial data. Through this design, the users of the first system cannot know the details of any piece of financial data throughout the process, and different second systems cannot access each other's internally stored financial data, thereby avoiding the leakage of the second object's information during data processing.

[0018] Therefore, the technical solution of this application enables the querying of the deceased's financial asset information across multiple financial institutions based on the deceased's identity identifier (i.e., the object identifier of the second object). This ensures that even if some of the deceased's documents (e.g., at least one of the deceased's passbooks) are lost, the heir (the first object) can still retrieve the deceased's financial asset information based on the deceased's identity identifier. Furthermore, the technical solution of this application encrypts the deceased's financial data throughout the query process, thus solving the problem of poor data security in existing technologies when querying information about the deceased's estate. Attached Figure Description

[0019] The accompanying drawings, which are included to provide a further understanding of this application and form part of this application, illustrate exemplary embodiments and are used to explain this application, but do not constitute an undue limitation of this application. In the drawings:

[0020] Figure 1 This is a flowchart of an optional financial asset data query method according to an embodiment of this application;

[0021] Figure 2 This is a flowchart of an optional financial asset data statistics process according to an embodiment of this application;

[0022] Figure 3 This is a flowchart of an optional method for querying financial asset data according to an embodiment of this application;

[0023] Figure 4 This is a schematic diagram of an optional financial asset data query device according to an embodiment of this application;

[0024] Figure 5 This is a schematic diagram of an electronic device provided according to an embodiment of this application. Detailed Implementation

[0025] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort should fall within the scope of protection of the present application.

[0026] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0027] It should also be noted that all relevant information (including but not limited to object identifiers and corresponding financial asset information) and data (including but not limited to data used for display and analysis) involved in this application are information and data authorized by the user or fully authorized by all parties. For example, this system has an interface with relevant users or institutions. Before obtaining relevant information, it needs to send an acquisition request to the aforementioned user or institution through the interface, and obtain the relevant information after receiving consent from the aforementioned user or institution.

[0028] The present application will be further described below with reference to various embodiments.

[0029] Example 1

[0030] According to an embodiment of this application, an embodiment of a financial asset data query method is provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0031] Figure 1 This is a flowchart of an optional financial asset data query method according to an embodiment of this application, such as... Figure 1 As shown, the method includes the following steps:

[0032] Step S101: Obtain the asset query request for the second object submitted by the first object through the first system.

[0033] In step S101, the first system is a system for managing the object information of the second object, and the asset query request includes at least the object identifier of the first object and the object identifier of the second object.

[0034] Optionally, the first system can be a software system, and the institution corresponding to the first system can be an institution authorized to manage the object information of the second object, such as a court or other arbitration institution.

[0035] Optionally, the second object can be a deceased person, and the first object can be a relative, friend, or heir of the second object.

[0036] Optionally, the object identifier of the first object includes, but is not limited to, the name, document type, and document number of the first object. The object identifier of the second object includes, but is not limited to, the name, document type, and document number of the second object.

[0037] Step S102: The first system detects whether the first object is the inheritor of the second object based on the object identifier of the second object and the object identifier of the first object.

[0038] Optionally, the first system can determine the information of the asset heirs of the second object based on the object identifier of the second object. The asset heirs of the second object can be the heirs designated by the second object through a will, or the legal heirs of the second object.

[0039] Optionally, after obtaining the information of the asset heirs of the second object, the first system can detect whether the first object is the heir of the second object based on the information of the asset heirs of the second object and the object identifier of the first object.

[0040] Step S103: If the first object is the successor of the second object, the first system queries the N second systems based on the object identifier of the second object to obtain the M pieces of encrypted financial data corresponding to the second object.

[0041] In step S103, N and M are both positive integers, and each of the N second systems is used to return at least one piece of financial data in ciphertext form corresponding to the second object to the first system.

[0042] Optionally, the second system can be a financial data management system of a financial institution, wherein the second system can be a software system, and each of the N second systems corresponds to a financial institution.

[0043] For example, the first system can retrieve 10 encrypted financial data entries corresponding to the second object from three second systems based on the object identifier of the second object. These three second systems are System 2-1, System 2-2, and System 2-3. System 2-1 corresponds to financial institution A-1, System 2-2 to financial institution A-2, and System 2-3 to financial institution A-3. System 2-1 returns 2 encrypted financial data entries corresponding to the second object to the first system based on the object identifier of the second object; System 2-2 returns 3 encrypted financial data entries corresponding to the second object; and System 2-3 returns 5 encrypted financial data entries corresponding to the second object.

[0044] Optionally, the financial data corresponding to the second object includes, but is not limited to, the second object's lending financial data, the second object's deposit financial data, and the second object's wealth management product data.

[0045] Step S104: The first system determines the financial asset data of the second object based on M pieces of encrypted financial data.

[0046] In step S104, the first system can determine the financial asset data of the second object based on M pieces of encrypted financial data without decrypting the financial data. The financial asset data of the second object can be a summary of various financial data of the second object from multiple financial institutions.

[0047] For example, the financial asset data of the second object could be the total assets and total liabilities of the second object across N financial institutions.

[0048] Based on the above steps S101 to S104, this application employs a method of encrypting financial data throughout cross-system financial data interaction. First, the first system obtains an asset query request submitted by the first object for the second object. The first system manages the object information of the second object, and the asset query request includes at least the object identifiers of the first and second objects. Then, the first system checks whether the first object is the successor of the second object based on the object identifiers of the second and first objects. If the first object is the successor of the second object, the first system queries M encrypted financial data entries corresponding to the second object from N second systems based on the object identifier of the second object. Here, N and M are both positive integers, and each of the N second systems returns at least one encrypted financial data entry corresponding to the second object to the first system. Finally, the first system determines the financial asset data of the second object based on the M encrypted financial data entries.

[0049] As can be seen from the above, the technical solution of this application, after the first system initiates an asset query request, first verifies whether the first object is the heir of the second object, thereby achieving the purpose of verifying the identity information of the first object and realizing the technical effect of improving information security. Furthermore, when the first object is determined to be the heir of the second object, when the N second systems return M pieces of financial data corresponding to the second object to the first object, each piece of financial data is in encrypted form. The first system determines the financial asset data of the second object based on the M encrypted financial data. Through this design, the users of the first system cannot know the details of any piece of financial data throughout the process, and different second systems cannot access each other's internally stored financial data, thereby avoiding the leakage of the second object's information during data processing.

[0050] Therefore, the technical solution of this application enables the querying of the deceased's financial asset information across multiple financial institutions based on the deceased's identity identifier (i.e., the object identifier of the second object). This ensures that even if some of the deceased's documents (e.g., at least one of the deceased's passbooks) are lost, the heir (the first object) can still retrieve the deceased's financial asset information based on the deceased's identity identifier. Furthermore, the technical solution of this application encrypts the deceased's financial data throughout the query process, thus solving the problem of poor data security in existing technologies when querying information about the deceased's estate.

[0051] In one optional embodiment, the first system can retrieve the asset-related person information corresponding to the second object from the database based on the object identifier of the second object. This asset-related person information is used to record information about the asset heirs of the second object. Subsequently, the first system checks whether the asset-related person information corresponding to the second object includes the object identifier of the first object. If the asset-related person information includes the object identifier of the first object, the first system determines that the first object is the heir of the second object; if the asset-related person information does not include the object identifier of the first object, the first system determines that the first object is not the heir of the second object.

[0052] Optionally, the object identifier of the second object can be obtained from the target proof file of the second object, wherein the target proof file of the second object is used to prove that the second object has passed away.

[0053] Optionally, the first system can retrieve the asset associated person information corresponding to the second object from the database by querying the object identifier of the second object using a key-value pair query method. Here, the object identifier of the second object is the key information of the key-value pair, and the asset associated person information corresponding to the second object is the value information corresponding to the object identifier of the second object.

[0054] Optionally, the asset-related person information corresponding to the second object may include the identifier of at least one asset heir. Based on this, if the asset-related person information corresponding to the second object includes the object identifier of the first object, then the first system determines that the first object is the heir of the second object. If the asset-related person information corresponding to the second object does not include the object identifier of the first object, then the first system determines that the first object is not the heir of the second object.

[0055] In one optional embodiment, after the first system detects whether the first object is the successor of the second object based on the object identifier of the second object and the object identifier of the first object, if the first object is not the successor of the second object, it is prohibited to query any financial data corresponding to the second object from the N second systems.

[0056] Optionally, if it is detected that the first object is not the successor of the second object, in order to protect the privacy data of the second object, it will be prohibited to query any financial data corresponding to the second object from the N second systems.

[0057] In one optional embodiment, before retrieving M pieces of encrypted financial data corresponding to the second object from N second systems based on the object identifier of the second object through the first system, if the first object is the successor of the second object, the system identifiers of the N second systems are sent to the third system through the first system. The third system generates N public keys and one private key, where the private key is used to decrypt information encrypted by any one of the N public keys. Furthermore, the third system distributes one of the N public keys to each of the N second systems, where each second system has a different public key. The public key corresponding to each second system is used to encrypt the financial data of the second object in that second system into encrypted form.

[0058] Optionally, the third system is a software system for managing keys, wherein the third system is independent of the first system and the second system.

[0059] Optionally, if the first object is detected as the successor of the second object, the first system can send N system identifiers of the second system to the third system. The third system then determines the number of public keys to be generated based on the number of system identifiers received (i.e., N public keys corresponding to N second systems). In addition, while generating N public keys, the third system also generates a private key, which is used to decrypt information encrypted by any one of the N public keys.

[0060] Finally, the third system distributes the generated N public keys to N second systems. Each second system is assigned a public key, and each second system encrypts the financial data of the second object in that second system into ciphertext form based on its assigned public key, and then returns the ciphertext financial data to the first system.

[0061] It should be noted that the public and private keys are generated by a third system. Therefore, the first and second systems are unaware of the actual content of the keys. Each second system encrypts the financial data of the second object in the second system using its assigned public key before returning it to the first system. Therefore, the first system is also unaware of the actual content of the financial data returned by the first system. Furthermore, since different second systems are unaware of each other's public keys, they also find it difficult to know the financial data of the second object stored by each other.

[0062] Therefore, the technical solution of this application achieves comprehensive protection and transmission of financial data, avoiding the risk of information leakage of the financial data of the second party during transmission.

[0063] In one alternative embodiment, after distributing one of the N public keys to each of the N second systems via the third system, the private key is sent to the terminal device of the first object via the third system.

[0064] Optionally, if the first object is determined to be the heir of the second object, it is explained that the first object is the object entitled to know the financial asset data of the second object. Therefore, the third system sends the generated private key to the terminal device of the first object without going through the second system and the first system.

[0065] Optionally, the terminal device includes, but is not limited to, devices with communication functions such as smartphones, laptops, desktop computers, and smart tablets.

[0066] In one optional embodiment, a preset encryption algorithm between the first and second systems is used to calculate M pieces of ciphertext financial data to obtain the calculation result in ciphertext form. The preset encryption algorithm is a key generation algorithm pre-synchronized between the first and second systems, and the calculation result for the ciphertext data is consistent with the calculation result for the plaintext data. Finally, the first system uses the calculation result in ciphertext form as the financial asset data of the second object.

[0067] Optionally, Figure 2 This is a flowchart of an optional financial asset data statistics process according to an embodiment of this application, such as... Figure 2As shown, the first system first obtains the target proof document for the second object submitted by the first object. This target proof document, provided by an institution such as a hospital, proves that the second object has passed away. Subsequently, the first system extracts the object identifier of the second object from the target proof document and checks whether the first object is the heir of the second object based on both the object identifier of the second object and the object identifier of the first object. If the first object is detected as the heir, the first system sends the object identifier of the second object to the corresponding second systems of various financial institutions. Each financial institution's second system queries whether financial data corresponding to the second object exists. If a financial institution's second system finds financial data corresponding to the second object, that second system returns its system identifier to the first system.

[0068] like Figure 2 As shown, assuming that N second systems return system identifiers to the first system, the first system sends the system identifiers of the N second systems to the third system (corresponding to the key management organization). The third system generates N public keys and one private key. The third system distributes the N public keys to the N second systems that returned the system identifiers and sends the private key to the terminal device of the first object.

[0069] like Figure 2 As shown, the first system can initiate statistical requests for the financial asset data of the second object to N second systems. After receiving the statistical request, each of the N second systems encrypts the financial data of the second object in its own system according to its assigned public key, and then sends the encrypted financial data to the first system. Finally, the first system summarizes and calculates all the received encrypted financial data to obtain the financial asset data of the second object.

[0070] In one optional embodiment, after the first system determines the financial asset data of the second object based on M pieces of encrypted financial data, the first system sends the financial asset data of the second object to the terminal device of the first object, and then the terminal device of the first object decrypts the financial asset data of the second object based on the private key.

[0071] Optionally, Figure 3 This is a flowchart of an optional method for querying financial asset data according to an embodiment of this application, such as... Figure 3As shown, the first object uploads the object identifier of the second object through a terminal device. N second systems query the financial data of the second object based on the object identifier, and then send the encrypted financial data of the second object to the first system. The first system summarizes and calculates the encrypted financial data of the second object to obtain the financial asset data of the second object. Subsequently, the first system forwards the financial asset data of the second object to the terminal device of the first object. The first object decrypts the financial asset data of the second object using the private key previously received in the terminal device, thereby being able to view the decrypted financial asset data.

[0072] In one optional embodiment, a preset encryption algorithm is provided below to implement the above-mentioned key generation and ciphertext data calculation process. It should be noted that the following algorithm is only an example algorithm. In practical applications, those skilled in the art can also use other algorithms.

[0073] Optionally, encryption parameters are provided, including three integer parameters (S, p, q) and four sets of polynomials, wherein the four sets of polynomials are polynomial rings L, each with integer coefficients of degree (S-1) and the highest degree coefficient. f L g , L m The parameter S must be greater than or equal to 2. p and q do not need to be prime numbers, but the security of gcd(p,q) = 1 must hold, and q must be much greater than p. The cryptosystem is built on the ring R = Z[X] / (X S -1) and all its operations are performed on the ring R. F is defined as a polynomial on the ring R, specifically as formula (1):

[0074]

[0075] Here, the multiplication operation on ring R is defined as *, and the expression includes formulas (2) and (3):

[0076] F*G=H (2)

[0077]

[0078] Alternatively, the third system can generate a key according to the following steps:

[0079] (1) From the polynomial set L f and L g Let polynomials f and g be randomly selected, and both polynomials f and g have inverses modulo q and modulo p, respectively denoted as F. q With F p Then we have: F q *f = 1 (mod q) and F p*f = 1 (mod p).

[0080] In this equation, the coefficients of f can only be -1, 0, or 1, the sum of the coefficients of f is 0, and f(0) is not equal to 0. The coefficients of g can only be 0 or 1, the sum of the coefficients of g is equal to 1, and the coefficients of f and g have no common factors. In solving for the inverse element, as long as F... q With F p If one of them is missing, then a new polynomial f needs to be chosen until F is reached. q With F p Until they all exist.

[0081] (2) Calculate h = F q *g (mod q). Where h is the public key, f is the private key, and the third-party system reserves F. p .

[0082] Alternatively, the encryption process is as follows:

[0083] From message set L m Select the message m to be sent from the set of polynomials. Random selection polynomial Encryption is performed using public key h. Assuming the encrypted data is e, then the following conditions are met:

[0084] Alternatively, the decryption process is as follows:

[0085] After receiving the ciphertext e, the heir decrypts it using the private key f and calculates a = f * e (mod q), where the coefficients of a are chosen to be between (-q / 2, q / 2). Substituting the integer coefficient polynomial a into the formula, d = F p *a(mod p) can be used to interpret and format the data, thus decrypting the ciphertext e.

[0086] Optionally, assuming E(a) is the ciphertext of plaintext data a from institution A, E(b) is the ciphertext of plaintext data b from institution B, and E(c) is the ciphertext of plaintext data b from institution C, the preset encryption algorithm in this application satisfies E(a) + E(b) + E(c) = E(a + b + c) and E(a) * E(b) * E(c) = E(a * b * c). That is, the ciphertext calculation result is the same as the result of encrypting the data after processing it, thereby enabling the aggregation of the deceased's financial asset data without accessing the plaintext data.

[0087] As can be seen from the above, the technical solution of this application, after the first system initiates an asset query request, first verifies whether the first object is the heir of the second object, thereby achieving the purpose of verifying the identity information of the first object and realizing the technical effect of improving information security. Furthermore, when the first object is determined to be the heir of the second object, when the N second systems return M pieces of financial data corresponding to the second object to the first object, each piece of financial data is in encrypted form. The first system determines the financial asset data of the second object based on the M encrypted financial data. Through this design, the users of the first system cannot know the details of any piece of financial data throughout the process, and different second systems cannot access each other's internally stored financial data, thereby avoiding the leakage of the second object's information during data processing.

[0088] Therefore, the technical solution of this application enables the querying of the deceased's financial asset information across multiple financial institutions based on the deceased's identity identifier (i.e., the object identifier of the second object). This ensures that even if some of the deceased's documents (e.g., at least one of the deceased's passbooks) are lost, the heir (the first object) can still retrieve the deceased's financial asset information based on the deceased's identity identifier. Furthermore, the technical solution of this application encrypts the deceased's financial data throughout the query process, thus solving the problem of poor data security in existing technologies when querying information about the deceased's estate.

[0089] Example 2

[0090] According to an embodiment of this application, an embodiment of a financial asset data query device is provided. Figure 4 This is a schematic diagram of an optional financial asset data query device according to an embodiment of this application, such as... Figure 4 As shown, the financial asset data query device includes: an acquisition unit 401, a detection unit 402, a query unit 403, and a determination unit 404.

[0091] The system includes: an acquisition unit 401, used to acquire an asset query request submitted by a first object for a second object through a first system, wherein the first system is a system for managing object information of the second object, and the asset query request includes at least the object identifier of the first object and the object identifier of the second object; a detection unit 402, used to detect whether the first object is the successor of the second object based on the object identifier of the second object and the object identifier of the first object through the first system; a query unit 403, used to query M pieces of encrypted financial data corresponding to the second object from N second systems based on the object identifier of the second object when the first object is the successor of the second object, wherein N and M are both positive integers, and each of the N second systems is used to return at least one piece of encrypted financial data corresponding to the second object to the first system; and a determination unit 404, used to determine the financial asset data of the second object based on the M pieces of encrypted financial data through the first system.

[0092] Optionally, the detection unit 402 includes: a query subunit, a detection subunit, a first determination subunit, and a second determination subunit. The query subunit is used to query the database for asset-related person information corresponding to the second object based on the object identifier of the second object, wherein the asset-related person information corresponding to the second object is used to record information about the asset heirs of the second object. The detection subunit is used to detect whether the asset-related person information corresponding to the second object includes the object identifier of the first object. The first determination subunit is used to determine that the first object is the heir of the second object if the asset-related person information corresponding to the second object includes the object identifier of the first object. The second determination subunit is used to determine that the first object is not the heir of the second object if the asset-related person information corresponding to the second object does not include the object identifier of the first object.

[0093] Optionally, the financial asset data query device further includes a processing unit, used to prohibit the querying of any financial data corresponding to the second object from the N second systems when the first object is not the successor of the second object.

[0094] Optionally, the financial asset data query device further includes a sending unit and a key distribution unit. The sending unit, when the first object is the successor of the second object, sends N system identifiers of the second system to the third system through the first system. The third system generates N public keys and one private key, and the private key is used to decrypt information encrypted by any one of the N public keys. The key distribution unit distributes one of the N public keys to each of the N second systems through the third system. Each second system has a different public key, and each public key is used to encrypt the financial data of the second object in that second system into ciphertext.

[0095] Optionally, the financial asset data query device further includes: a first sending unit, used to send a private key to the terminal device of the first object through a third system.

[0096] Optionally, the determining unit 404 includes a calculation subunit and a processing subunit. The calculation subunit is used to calculate M pieces of ciphertext financial data using a preset encryption algorithm between the first system and the second system to obtain the calculation result of the ciphertext financial data. The preset encryption algorithm is a key generation algorithm pre-synchronized between the first system and the second system, and the calculation result of the preset encryption algorithm is consistent with the calculation result of the ciphertext data. The processing subunit is used to use the calculation result of the ciphertext financial data as the financial asset data of the second object.

[0097] Optionally, the financial asset data query device further includes a second sending unit and a decryption unit. The second sending unit is used to send the financial asset data of the second object to the terminal device of the first object; the decryption unit is used to decrypt the financial asset data of the second object using the private key through the terminal device of the first object.

[0098] Example 3

[0099] According to another aspect of the embodiments of this application, a computer-readable storage medium is also provided, the computer-readable storage medium including a stored computer program, wherein, when the computer program is running, it controls the device where the computer-readable storage medium is located to execute the financial asset data query method of any one of the above embodiments 1.

[0100] Example 4

[0101] According to another aspect of the embodiments of this application, an electronic device is also provided, including: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to execute the financial asset data query method of any one of the embodiments 1 above by executing the executable instructions.

[0102] Figure 5 This is a schematic diagram of an electronic device provided according to an embodiment of this application, such as... Figure 5 As shown, this application provides an electronic device, which includes a processor, a memory, and a program stored in the memory and executable on the processor. When the processor executes the program, it implements the financial asset data query method of any one of the above embodiments 1.

[0103] Optionally, the processor executes the following steps when running the program: It obtains an asset query request for a second object submitted by a first object through a first system, wherein the first system is a system for managing the object information of the second object, and the asset query request includes at least the object identifier of the first object and the object identifier of the second object; it checks whether the first object is the successor of the second object based on the object identifier of the second object and the object identifier of the first object; if the first object is the successor of the second object, it queries M pieces of encrypted financial data corresponding to the second object from N second systems based on the object identifier of the second object, wherein N and M are both positive integers, and each of the N second systems is used to return at least one piece of encrypted financial data corresponding to the second object to the first system; and it determines the financial asset data of the second object based on the M pieces of encrypted financial data.

[0104] Optionally, when the processor executes the program, it performs the following steps: querying the database to obtain the asset-related person information corresponding to the second object based on the object identifier of the second object, wherein the asset-related person information corresponding to the second object is used to record the information of the asset heirs of the second object; detecting whether the asset-related person information corresponding to the second object includes the object identifier of the first object; if the asset-related person information corresponding to the second object includes the object identifier of the first object, determining that the first object is the heir of the second object; if the asset-related person information corresponding to the second object does not include the object identifier of the first object, determining that the first object is not the heir of the second object.

[0105] Optionally, when the processor executes the program, it performs the following steps: after detecting whether the first object is the successor of the second object based on the object identifier of the second object and the object identifier of the first object through the first system, if the first object is not the successor of the second object, it prohibits querying any financial data corresponding to the second object from the N second systems.

[0106] Optionally, the processor executes the following steps when running the program: Before retrieving the M pieces of encrypted financial data corresponding to the second object from the N second systems through the first system based on the object identifier of the second object, if the first object is the successor of the second object, the system identifiers of the N second systems are sent to the third system through the first system, wherein the third system is used to generate N public keys and one private key, wherein the private key is used to decrypt the information encrypted by any one of the N public keys; and the third system distributes one of the N public keys to each of the N second systems, wherein the public key corresponding to each second system is different, and the public key corresponding to each second system is used to encrypt the financial data of the second object in that second system into encrypted form.

[0107] Optionally, when the processor executes the program, it performs the following steps: after distributing one of the N public keys to each of the N second systems through the third system, the private key is sent to the terminal device of the first object through the third system.

[0108] Optionally, when the processor executes the program, it performs the following steps: calculating M pieces of ciphertext financial data using a preset encryption algorithm between the first system and the second system to obtain the calculation result of the ciphertext financial data, wherein the preset encryption algorithm is a key generation algorithm that is pre-synchronized between the first system and the second system, and the calculation result of the preset encryption algorithm for the ciphertext data is consistent with the calculation result for the plaintext data; and using the calculation result of the ciphertext financial data as the financial asset data of the second object.

[0109] Optionally, the processor executes the following steps when running the program: after determining the financial asset data of the second object through the first system based on M pieces of encrypted financial data, the financial asset data of the second object is sent to the terminal device of the first object; the financial asset data of the second object is decrypted by the terminal device of the first object based on the private key.

[0110] The sequence numbers of the embodiments in this application are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0111] In the above embodiments of this application, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0112] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. The device embodiments described above are merely illustrative; for example, the division of units can be a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the displayed or discussed mutual couplings, direct couplings, or communication connections may be through some interfaces; indirect couplings or communication connections between units or modules may be electrical or other forms.

[0113] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0114] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0115] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard drive, magnetic disk, or optical disk.

[0116] The above are merely preferred embodiments of this application. It should be noted that those skilled in the art can make various improvements and modifications without departing from the principles of this application, and these improvements and modifications should also be considered within the scope of protection of this application.

Claims

1. A method for querying financial asset data, characterized in that, include: The asset query request submitted by the first object to the second object is obtained through the first system, wherein the first system is a system for managing the object information of the second object, and the asset query request includes at least the object identifier of the first object and the object identifier of the second object; The first system detects whether the first object is the inheritor of the second object based on the object identifier of the second object and the object identifier of the first object. In the case where the first object is the successor of the second object, the first system queries from N second systems according to the object identifier of the second object to obtain M pieces of encrypted financial data corresponding to the second object, where N and M are both positive integers. Each of the N second systems is used to return at least one piece of encrypted financial data corresponding to the second object to the first system. Each of the N second systems corresponds to a financial institution. The first system determines the financial asset data of the second object based on the M encrypted financial data. The financial asset data query method further includes, prior to retrieving M encrypted financial data entries corresponding to the second object from N second systems based on the object identifier of the second object through the first system: When the first object is the successor of the second object, the system identifiers of the N second systems are sent to the third system through the first system. The third system is used to generate N public keys and one private key. The private key is used to decrypt information encrypted by any one of the N public keys. The third system distributes one of the N public keys to each of the N second systems, wherein the public key corresponding to each second system is different, and the public key corresponding to each second system is used to encrypt the financial data of the second object in the second system into ciphertext form.

2. The financial asset data query method according to claim 1, characterized in that, The first system detects whether the first object is an inheritor of the second object based on the object identifier of the second object and the object identifier of the first object, including: Based on the object identifier of the second object, the asset associated person information corresponding to the second object is obtained from the database. The asset associated person information corresponding to the second object is used to record the information of the asset heirs of the second object. Detect whether the asset-related person information corresponding to the second object includes the object identifier of the first object; If the asset-related person information corresponding to the second object includes the object identifier of the first object, then the first object is determined to be the heir of the second object. If the object identifier of the first object is not included in the asset-related person information corresponding to the second object, the first object is determined to be the heir of a non-second object.

3. The financial asset data query method according to claim 1, characterized in that, After the first system detects whether the first object is the successor of the second object based on the object identifier of the second object and the object identifier of the first object, the financial asset data query method further includes: If the first object is not the successor of the second object, it is prohibited to query any financial data corresponding to the second object from the N second systems.

4. The financial asset data query method according to claim 1, characterized in that, After allocating one of the N public keys to each of the N second systems through the third system, the financial asset data query method further includes: The private key is sent to the terminal device of the first object through the third system.

5. The financial asset data query method according to claim 4, characterized in that, The first system determines the financial asset data of the second object based on the M encrypted financial data entries, including: The M pieces of ciphertext financial data are calculated using a preset encryption algorithm between the first system and the second system to obtain the calculation result of the ciphertext financial data. The preset encryption algorithm is a key generation algorithm that is pre-synchronized between the first system and the second system. The calculation result of the preset encryption algorithm for the ciphertext data is consistent with the calculation result for the plaintext data. The calculation result of the encrypted financial data is used as the financial asset data of the second object.

6. The financial asset data query method according to claim 5, characterized in that, After determining the financial asset data of the second object through the first system based on the M encrypted financial data, the method further includes: Send the financial asset data of the second object to the terminal device of the first object; The financial asset data of the second object is decrypted using the private key through the terminal device of the first object.

7. A financial asset data query device, characterized in that, include: The acquisition unit is used to acquire an asset query request for a second object submitted by a first object through a first system, wherein the first system is a system for managing object information of the second object, and the asset query request includes at least the object identifier of the first object and the object identifier of the second object; The detection unit is used to detect, through the first system, whether the first object is the successor of the second object based on the object identifier of the second object and the object identifier of the first object; The query unit is configured to, when the first object is the successor of the second object, query M pieces of encrypted financial data corresponding to the second object from N second systems through the first system based on the object identifier of the second object, wherein N and M are both positive integers, each of the N second systems is configured to return at least one piece of encrypted financial data corresponding to the second object to the first system, and each of the N second systems corresponds to a financial institution; The determining unit is used to determine the financial asset data of the second object through the first system based on the M pieces of encrypted financial data; The apparatus further includes: a sending unit, configured to send N system identifiers of a second system to a third system via a first system when the first object is the successor of the second object, wherein the third system is configured to generate N public keys and one private key, wherein the private key is configured to decrypt information encrypted by any one of the N public keys; and a key distribution unit, configured to distribute one of the N public keys to each of the N second systems via the third system, wherein the public key corresponding to each second system is different, and the public key corresponding to each second system is configured to encrypt the financial data of the second object in that second system into ciphertext form.

8. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program, wherein, when the computer program is executed, it controls the device containing the computer-readable storage medium to perform the financial asset data query method of any one of claims 1 to 6.

9. An electronic device, characterized in that, It includes one or more processors and a memory, the memory being used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors cause the one or more processors to implement the financial asset data query method of any one of claims 1 to 6.

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