Financial service processing method and device, storage medium and electronic equipment

Abstract

The invention discloses a financial service processing method and device, a storage medium and electronic equipment. Relates to the field of financial science and technology, and the method comprises the steps: obtaining an inheritance request triggered by a target object, the inheritance request being used for indicating the target object to inherit financial assets of an inherited person in a financial institution; generating an inheritance license corresponding to the target object under the condition that the inheritance request is approved; and processing financial assets of the inherited person in a financial institution based on the inheritance license so as to handle the inheritance request. Through application of the method and the device, the problem that the processing efficiency of the fund inheritance service is relatively low due to the fact that manual operation needs to be performed in different service systems when the fund inheritance service is processed in related technologies is solved.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and specifically, to a method and device for processing financial business, a storage medium and an electronic device. Background Art

[0002] At present, the service model of financial institutions for customers is mainly "product-centered", providing customers with financial product sales services, and the main body is to control the business separately according to a single product line. When dealing with wealth inheritance business, it is necessary to query and confirm the assets and liabilities of the heirs item by item in different business systems, and then authorize and dispose of the assets and liabilities in each system. During this period, it may also involve a series of operations such as account release, media loss report, and password reset, resulting in long business processing time and low timeliness.

[0003] With regard to the problem in the related technology that when processing fund inheritance business, manual operations are required in different business systems, resulting in relatively low processing efficiency of fund inheritance business, no effective solution has been proposed so far. Summary of the invention

[0004] The main purpose of this application is to provide a method and device for processing financial business, a storage medium and an electronic device, so as to solve the problem in the related technology that when processing fund inheritance business, manual operations are required in different business systems, resulting in relatively low processing efficiency of fund inheritance business.

[0005] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a method for processing financial business is provided. The method comprises: obtaining an inheritance request triggered by a target object, wherein the inheritance request is used to instruct the target object to inherit the financial assets of the deceased in a financial institution; if the inheritance request is approved, generating an inheritance license corresponding to the target object; and processing the financial assets of the deceased in the financial institution based on the inheritance license to handle the inheritance request.

[0006] Furthermore, after obtaining the inheritance request triggered by the target object, the method also includes: determining the financial assets of the deceased in the financial institution based on the identity information of the deceased; classifying the information included in the inheritance request according to the types corresponding to the financial assets to obtain classified inheritance information; determining the audit rules corresponding to the classified inheritance information, and auditing the classified inheritance information based on the audit rules to obtain the audit results.

[0007] Furthermore, when the inheritance request is approved, generating an inheritance license corresponding to the target object includes: determining the financial assets of the deceased in the financial institution; determining, based on the inheritance request, an inheritance strategy for the target object in the financial assets; and generating the inheritance license based on the inheritance strategy.

[0008] Furthermore, processing the financial assets of the deceased in a financial institution based on the inheritance license to handle the inheritance request includes: determining the number of types of the financial assets of the deceased in the financial institution; judging whether the number of types is greater than a preset threshold; if the number of types is less than the preset threshold, processing the financial assets of the deceased in a financial institution based on the inheritance license through a first processing method to handle the inheritance request; if the number of types is greater than or equal to the preset threshold, processing the financial assets of the deceased in a financial institution based on the inheritance license through a second processing method to handle the inheritance request.

[0009] Furthermore, the financial assets of the deceased in a financial institution are processed based on the inheritance license through a first processing method to handle the inheritance request, including: for each type of financial assets of the deceased in a financial institution, a fund inheritance operation is sent to an operation interface corresponding to the financial asset; and the funds corresponding to the financial assets are transferred to an account corresponding to the target object through the operation interface based on the fund inheritance operation and the inheritance license to realize financial asset inheritance.

[0010] Furthermore, transferring the funds corresponding to the financial assets to the account corresponding to the target object based on the funds inheritance operation and the inheritance license through the operation interface includes: identifying the business scenario identification code in the funds inheritance operation through the operation interface to obtain an identification result; when the identification result indicates that the business scenario identification code is a financial inheritance scenario, the operation interface transfers the funds corresponding to the financial assets to the account corresponding to the target object in a manner that bypasses risk control.

[0011] Furthermore, the financial assets of the deceased in a financial institution are processed based on the inheritance license through a second processing method to handle the inheritance request, including: generating a fund inheritance broadcast message based on the inheritance license, and broadcasting the fund inheritance broadcast message; after the interface corresponding to the financial assets of the deceased in the financial institution receives the fund inheritance broadcast message, processing the funds corresponding to the financial assets based on the fund inheritance broadcast message to realize financial asset inheritance.

[0012] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a device for processing financial services is provided. The device includes: an acquisition unit, used to acquire an inheritance request triggered by a target object, wherein the inheritance request is used to instruct the target object to inherit the financial assets of the deceased in a financial institution; a generation unit, used to generate an inheritance license corresponding to the target object when the inheritance request is reviewed and approved; and a processing unit, used to process the financial assets of the deceased in a financial institution based on the inheritance license to handle the inheritance request.

[0013] Furthermore, the device also includes: a determination unit, which is used to determine the financial assets of the deceased in the financial institution based on the identity information of the deceased after obtaining the inheritance request triggered by the target object; a classification unit, which is used to classify the information included in the inheritance request according to the types corresponding to the financial assets to obtain classified inheritance information; and an audit unit, which is used to determine the audit rules corresponding to the classified inheritance information, and audit the classified inheritance information based on the audit rules to obtain an audit result.

[0014] Furthermore, the generation unit includes: a first determination subunit, used to determine the financial assets of the deceased in the financial institution; a second determination subunit, used to determine the inheritance strategy of the target object in the financial assets based on the inheritance request; and a generation subunit, used to generate the inheritance license based on the inheritance strategy.

[0015] Furthermore, the processing unit includes: a third determination subunit, used to determine the number of types of financial assets of the deceased in the financial institution; a judgment subunit, used to judge whether the number of types is greater than a preset threshold; a first processing subunit, used to process the financial assets of the deceased in the financial institution based on the inheritance license through a first processing method to handle the inheritance request if the number of types is less than the preset threshold; and a second processing subunit, used to process the financial assets of the deceased in the financial institution based on the inheritance license through a second processing method to handle the inheritance request if the number of types is greater than or equal to the preset threshold.

[0016] Furthermore, the first processing sub-unit includes: a sending module, used to send a fund inheritance operation to the operation interface corresponding to the financial asset for each type of financial asset of the deceased in the financial institution; a transfer module, used to transfer the funds corresponding to the financial asset to the account corresponding to the target object through the operation interface based on the fund inheritance operation and the inheritance license, so as to realize financial asset inheritance.

[0017] Furthermore, the transfer module includes: an identification submodule, used to identify the business scenario identification code in the fund inheritance operation through the operation interface to obtain an identification result; a transfer submodule, used to transfer the funds corresponding to the financial assets to the account corresponding to the target object by the operation interface in a manner that bypasses risk control when the identification result indicates that the business scenario identification code is a financial inheritance scenario.

[0018] Furthermore, the second processing sub-unit includes: a generation module, which is used to generate a fund inheritance broadcast message based on the inheritance license and broadcast the fund inheritance broadcast message; a processing module, which is used to process the funds corresponding to the financial assets based on the fund inheritance broadcast message after the interface corresponding to the financial assets of the heir in the financial institution receives the fund inheritance broadcast message, so as to realize financial asset inheritance.

[0019] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium includes a stored program, wherein when the program is executed, the device where the storage medium is located is controlled to execute any one of the above-mentioned methods for processing financial services.

[0020] According to another aspect of an embodiment of the present invention, there is also provided an electronic device, comprising a memory storing an executable program; and a processor for running the program, wherein the program executes any one of the above-mentioned methods for processing financial services when running.

[0021] In the embodiment of the present application, an inheritance request triggered by a target object is obtained, wherein the inheritance request is used to indicate that the target object inherits the financial assets of the deceased in a financial institution; when the inheritance request is reviewed and approved, an inheritance license corresponding to the target object is generated; based on the inheritance license, the financial assets of the deceased in the financial institution are processed to handle the inheritance request, which solves the technical problem that in the related technology, when handling fund inheritance business, manual operations are required in different business systems, resulting in relatively low processing efficiency of fund inheritance business. In this solution, when an inheritance request triggered by a target object is received, an inheritance license is generated according to the inheritance request, and the financial assets of the deceased in the financial institution are inherited according to the inheritance license, which effectively simplifies the operating procedures of the personal wealth inheritance business of the financial institution, shortens the waiting time for customer business processing and the number of times customers go back and forth to the financial institution, reduces the problems of tellers operating the system for each product, multiple authorizations, etc., and thus achieves the effect of improving the processing efficiency of fund inheritance business. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] The drawings constituting a part of the present application are used to provide a further understanding of the present application. The illustrative embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0023] Figure 1 It is a hardware structure block diagram of a computer terminal for implementing a processing method for financial services provided in an embodiment of the present application;

[0024] Figure 2 is a flowchart of a method for processing financial services provided in an embodiment of the present application;

[0025] Figure 3 This is a schematic diagram of a personal wealth inheritance processing system provided according to an embodiment of the present application. Figure 1 ;

[0026] Figure 4 This is a schematic diagram of a personal wealth inheritance processing system provided according to an embodiment of the present application. Figure 2 ;

[0027] Figure 5 This is a schematic diagram of a personal wealth inheritance processing system provided according to an embodiment of the present application. Figure 3 ;

[0028] Figure 6 This is a schematic diagram of a personal wealth inheritance processing system provided according to an embodiment of the present application. Figure 4 ;

[0029] Figure 7 This is a schematic diagram of a personal wealth inheritance processing system provided according to an embodiment of the present application. Figure 5 ;

[0030] Figure 8 This is a schematic diagram of a personal wealth inheritance processing system provided according to an embodiment of the present application. Figure 6 ;

[0031] Fig. 9 is a schematic diagram of a financial service processing device provided according to an embodiment of the present application;

[0032] Fig.10 It is a structural block diagram of an electronic device according to an embodiment of the present application. DETAILED DESCRIPTION

[0033] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0034] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0035] It should be noted that the collected information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this application are information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data are in compliance with relevant laws, regulations and standards, necessary confidentiality measures are taken, and public order and good customs are not violated, and corresponding operation entrances are provided for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or institutions to provide users with corresponding operation entrances for users to choose to agree or refuse the results of automated decision-making; if the user chooses to refuse, the expert decision-making process will be entered.

[0036] Example 1

[0037] According to an embodiment of the present application, a method embodiment for processing financial business is also provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0038] The method embodiment provided in the first embodiment of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1The hardware structure block diagram of a computer terminal (or mobile device) for implementing a method for processing financial services is shown. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more (102a, 102b, ..., 102n are used to illustrate) processors 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera. It can be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations shown.

[0039] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuits". The data processing circuits may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuit may be a single independent processing module, or may be incorporated in whole or in part into any of the other components in the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0040] The memory 104 can be used to store software programs and modules of application software, such as program instructions / data storage devices corresponding to the processing method of financial services in the embodiment of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, realizing the processing method of the above-mentioned financial services. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories may be connected to the computer terminal 10 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0041] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0042] The display may be, for example, a touch screen liquid crystal display (LCD) that enables a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0043] Under the above operating environment, this application provides Figure 2 The processing method of financial business shown. Figure 2 It is a flowchart of a method for processing financial business according to the first embodiment of the present application.

[0044] Step S201, obtaining an inheritance request triggered by a target object, wherein the inheritance request is used to instruct the target object to inherit the financial assets of the deceased in a financial institution.

[0045] Optionally, an inheritance request initiated by a user (i.e., the target object mentioned above) is obtained. It should be noted that the inheritance request is used to instruct the target object to inherit the financial assets of the deceased in a financial institution. The inheritance request initiated by the user needs to include relevant inheritance information, such as information about the deceased, heir information, and related information.

[0046] It should be noted that the user can initiate an inheritance application through various channels of the financial institution, submit relevant inheritance information to the financial institution (including information on the deceased, heir information and related information (originals such as identity documents, proof of kinship, death certificate, will, notarization, etc.), and upload image information. In an optional embodiment, the access mode of the inheritance application is divided into a counter access mode and a remote access mode.

[0047] Counter access mode: Users handle business at financial institution outlets through counters, handheld PADs, smart terminals and other channels. The customer service manager of the outlet will check the authenticity of the original documents submitted for the wealth inheritance application, and assist the customer in entering the name, ID, contact information and other customer information of the heir and heir, inheritance type, inheritance rules and proportion, etc. After uploading the wealth inheritance proof materials to the image information database, the inheritance application will be submitted to the corresponding inheritance processing platform for processing.

[0048] Remote access mode: When customers handle business through online financial institutions, mobile financial institutions and other channels, they submit wealth inheritance applications remotely. Customers enter customer information such as the name, ID, contact information of the heir and heir, inheritance type, inheritance rules and proportions, etc., upload wealth inheritance proof materials to the image information database, and submit the inheritance application to the corresponding inheritance processing platform for processing.

[0049] Step S202: if the inheritance request is approved, generate an inheritance license corresponding to the target object.

[0050] Optionally, after receiving the above-mentioned inheritance request, it is necessary to review and process the inheritance request. Since inheritance business generally involves many parties and complex situations, involving the verification of more than 20 types of information and the communication of more than 10 types of external institutions, the financial assets of the heir in the financial institution can be classified, and then the inheritance sub-requests of the category can be reviewed according to the category. After all categories have been reviewed, the inheritance license corresponding to the target object is generated. It should be noted that the inheritance license can record information such as the proportion of various types of financial assets to be inherited by the target object.

[0051] It should be noted that the processing time of inheritance request tasks in the review and approval queues is monitored, and the review / approval personnel are released for tasks that exceed the review / approval time limit, and the released tasks are rescheduled to other processors for processing. The review / approval time limit can be set by the financial institution according to actual needs.

[0052] Step S203: Process the financial assets of the deceased in the financial institution based on the inheritance license to handle the inheritance request.

[0053] Optionally, the financial assets of the deceased in the financial institution are processed according to the inheritance license, for example, the funds corresponding to the financial funds are transferred to the account corresponding to the target object, and the account of the deceased is closed.

[0054] To sum up, when an inheritance request triggered by a target object is received, an inheritance license is generated according to the inheritance request, and the inheritance of the financial assets of the deceased in the financial institution is processed according to the inheritance license, which effectively simplifies the operational process of the personal wealth inheritance business of the financial institution, shortens the waiting time for customers to handle business and the number of times customers go back and forth to the financial institution, reduces the problems of tellers operating the system for each product, multiple authorizations, etc., and thus achieves the effect of improving the processing efficiency of fund inheritance business.

[0055] Optionally, in the method for processing financial services provided in the embodiment of the present application, after obtaining the inheritance request triggered by the target object, the method also includes: determining the financial assets of the deceased in the financial institution based on the identity information of the deceased; classifying the information included in the inheritance request according to the types corresponding to the financial assets to obtain classified inheritance information; determining the audit rules corresponding to the classified inheritance information, and auditing the classified inheritance information based on the audit rules to obtain the audit results.

[0056] In an optional embodiment, in order to improve the accuracy of the audit, the audit of the inheritance request includes the following steps: according to the identity information of the heir, the financial assets of the heir in the financial institution are determined, and then the information included in the inheritance request is classified based on the type of financial assets. For example, the financial assets of individual customers are divided into two major parts: assets and liabilities, and then the assets and liabilities are further subdivided. Assets can be divided into deposits, wealth management, funds, bonds, precious metals, pensions, foreign exchange trading, account transactions and other product categories, and liabilities can be divided into credit cards and loans and other product categories. Subdivided into subcategories based on product categories, for example, deposits can be divided into demand deposits, time deposits, structured deposits, credit card deposits, etc.

[0057] In an optional embodiment, the query service interfaces of various product applications involved in the personal wealth inheritance business are integrated and encapsulated, and merged and authorized to form a unified customer wealth query service. Through distributed service calls, one-click query of personal customer wealth is achieved, and each product application query returns the personal customer wealth information under its jurisdiction, thereby forming a unified view of personal customer wealth across fields and products, and listing each account by column according to the type of assets and liabilities, providing customers with professional shared data and services.

[0058] After classifying the information included in the inheritance request to obtain the classified inheritance information, the audit is conducted according to the audit rules corresponding to the classified inheritance information to obtain the audit results. For example, according to different task classifications and personnel pending task queue information, the audit tasks corresponding to the classified inheritance information are dynamically assigned to specific business auditors for processing. Business auditors select tasks for processing, interact with the image information library, and obtain the legal documents, certification materials and other contents involved in the customer's wealth inheritance application through the image batch number to assist business auditors in conducting the audit. Auditors investigate and confirm customers and external organizations through on-site, remote video or telephone. If the audit fails, the customer is contacted through intelligent outbound calling methods such as SMS to make modifications. The approval result can be selected as pass or fail, and the customer is informed of the approval result through intelligent outbound calling methods such as SMS.

[0059] By classifying financial assets and reviewing inheritance requests according to the review rules for different categories of inheritance information, the review efficiency and accuracy of inheritance requests are improved.

[0060] Optionally, in the method for processing financial services provided in the embodiment of the present application, when the inheritance request is reviewed and approved, generating an inheritance license corresponding to the target object includes: determining the financial assets of the deceased in the financial institution; determining the inheritance strategy of the target object in the financial assets based on the inheritance request; and generating an inheritance license based on the inheritance strategy.

[0061] In an optional embodiment, generating an inheritance license corresponding to the target object includes the following steps: determining the inheritance rules and proportions of the heirs based on the financial assets of the deceased in a financial institution and the will, notarized document and other information in the inheritance request, i.e., the above-mentioned inheritance strategy, and then generating an inheritance license based on the inheritance strategy.

[0062] By marking the inheritance rules and proportions of the heirs in the inheritance license, when dealing with the financial assets of the deceased in financial institutions, the corresponding funds can be processed directly according to the inheritance license, thereby improving processing efficiency.

[0063] Optionally, in the method for processing financial services provided in the embodiments of the present application, processing the financial assets of the deceased in a financial institution based on the inheritance license to handle the inheritance request includes: determining the number of types of the financial assets of the deceased in the financial institution; determining whether the number of types is greater than a preset threshold; if the number of types is less than the preset threshold, processing the financial assets of the deceased in the financial institution based on the inheritance license through a first processing method to handle the inheritance request; if the number of types is greater than or equal to the preset threshold, processing the financial assets of the deceased in the financial institution based on the inheritance license through a second processing method to handle the inheritance request.

[0064] In an optional embodiment, processing the financial assets of the deceased in a financial institution based on the inheritance license includes: first, determining the number of types of the financial assets of the deceased in the financial institution, and judging the relationship between the number of types and a preset threshold. If the number of types is less than the preset threshold, the financial assets of the deceased in the financial institution are processed based on the inheritance license through a first processing method to handle the inheritance request. It should be noted that the first processing method can be an online processing method, and the online processing module is mainly suitable for scenarios with fewer customer wealth categories, so as to quickly respond to customer needs.

[0065] If the number of categories is greater than or equal to the preset threshold, the second processing method is used to process the financial assets of the heir in the financial institution based on the inheritance license to handle the inheritance request. It should be noted that the second processing method can be a batch processing method, which is mainly suitable for scenarios where customers have many types of wealth. If wealth is processed item by item online, it will lead to cumbersome processes, which will affect customer experience.

[0066] By adopting different treatment methods according to the types and quantities of the deceased's financial assets in financial institutions, the efficiency of handling the financial assets of financial institutions can be effectively improved.

[0067] Optionally, in the financial business processing method provided in the embodiment of the present application, the financial assets of the deceased in a financial institution are processed based on the inheritance license through a first processing method to handle the inheritance request, including: for each type of financial assets of the deceased in the financial institution, sending a fund inheritance operation to the operation interface corresponding to the financial asset; transferring the funds corresponding to the financial assets to the account corresponding to the target object through the operation interface based on the fund inheritance operation and the inheritance license to realize the inheritance of financial assets.

[0068] In an optional embodiment, processing the financial assets of the deceased in a financial institution based on an inheritance license through a first processing method includes the following steps: for each type of financial asset of the deceased in the financial institution, sending a fund inheritance operation to the operation interface corresponding to the financial asset, and then the operation interface transfers the funds corresponding to the financial asset to the account corresponding to the target object according to the fund inheritance operation and the inheritance license to realize financial asset inheritance.

[0069] For example, for self-operated products of financial institutions such as deposits and credit cards, the transfer and account cancellation interfaces of related product applications are directly called in real time for inheritance processing. For products sold on behalf of financial institutions such as funds and wealth management, wealth disposal requests can be sent online to each product application. After the product application interacts with a third-party institution (fund company, wealth management company, etc.) for processing, the wealth inheritance disposal results are asynchronously returned.

[0070] By processing the financial assets of the heirs in financial institutions through online processing, we can quickly respond to customer needs and improve the efficiency of inheritance business.

[0071] Optionally, in the financial business processing method provided in the embodiment of the present application, transferring funds corresponding to financial assets to an account corresponding to a target object based on a fund inheritance operation and an inheritance license through an operation interface includes: identifying a business scenario identification code in the fund inheritance operation through the operation interface to obtain an identification result; when the identification result characterizes that the business scenario identification code is a financial inheritance scenario, the operation interface transfers the funds corresponding to the financial assets to an account corresponding to the target object in a manner that bypasses risk control.

[0072] In an optional embodiment, in order to further improve the efficiency of inheritance business, a business scenario identification code of "personal customer wealth inheritance" is set in the fund inheritance operation. When performing inheritance processing, the operation interface can use the business code to clarify that the current scenario is a financial inheritance, and then adopt a method that bypasses risk control to transfer the funds corresponding to the financial assets to the account corresponding to the target object, that is, use a media-free and password-free method to process wealth, avoiding the need for users to repeatedly authorize.

[0073] The business scenario identification code can avoid the need for users to repeatedly authorize and authenticate their identities, thereby improving the efficiency of handling inherited business.

[0074] Optionally, in the financial business processing method provided in the embodiment of the present application, the financial assets of the deceased in the financial institution are processed based on the inheritance license through a second processing method to handle the inheritance request, including: based on the inheritance license, generating a fund inheritance broadcast message, and broadcasting the fund inheritance broadcast message; after the interface corresponding to the financial assets of the deceased in the financial institution receives the fund inheritance broadcast message, processing the funds corresponding to the financial assets based on the fund inheritance broadcast message to realize the inheritance of financial assets.

[0075] In an optional embodiment, the processing of the financial assets of the heir in a financial institution based on the inheritance license through the second processing method includes the following steps: generating a fund inheritance broadcast message according to the inheritance license, and then broadcasting the fund inheritance broadcast message to the product applications corresponding to the financial assets of the heir in the financial institution. Each product application receives the fund inheritance broadcast message through an interface. After receiving the message, each product application completes the corresponding wealth disposal account movement (redemption, liquidation, etc.), processes it into a current balance of currency, and closes the account of the heir. Each product application provides the processing results after the account is closed by batch providing a return file to the file server of the broadcast message. For the record of not receiving the return result of the product application after T+1 day after the fund inheritance broadcast message is pushed, it will trigger the repeated sending of the fund inheritance broadcast message. Scan the return files of each product account closing and liquidation, and transfer the current balance of each wealth of the heir to the heir through the transfer service according to the inheritance rules and proportions of each heir in the corresponding application of the wealth inheritance license, and notify the customer of the execution result by SMS.

[0076] Processing the financial assets of the heirs in financial institutions through batch processing can avoid the cumbersome procedures caused by handling wealth item by item and improve the efficiency of handling inheritance requests.

[0077] In an optional embodiment, the financial service processing method provided by the present application can be applied to a personal wealth inheritance processing system, such as Figure 3 As shown, it includes personal wealth inheritance application 1, personal wealth inheritance processing platform 2, personal wealth inheritance review task management 3, and image information library 4. Among them, the personal wealth application 1 module is responsible for collecting customer wealth inheritance element information; the personal wealth inheritance processing platform 2 is responsible for generating wealth inheritance review tasks and building a customer-centric "personal customer wealth unified view" to achieve one-click query and disposal across products; the personal wealth inheritance review task management 3 is responsible for task scheduling and review of personal wealth inheritance tasks. The image information library 4 is responsible for storing image information of wealth inheritance related materials.

[0078] Personal wealth inheritance application 1: The wealth inheritor initiates the wealth inheritance application through various channels of financial institutions, submits relevant inheritance information to the financial institution (including information on the heir, the heir and related information (original documents such as identity certificate, proof of kinship, death certificate, will, notarization, etc.), and uploads image information. Figure 4 As shown, according to the access mode, it is divided into a counter access mode 11 and a remote access mode 12.

[0079] Counter access mode 11: Customers conduct business at financial institution outlets through counters, handheld PADs, smart terminals and other channels. The customer service manager of the outlet will check the authenticity of the original documents submitted for the wealth inheritance application, and assist the customer in entering the name, ID, contact information and other customer information of the heir and heir, the inheritance type, inheritance rules and proportion, etc., and upload the wealth inheritance proof materials to the image information database 4, and then submit the wealth inheritance application to the personal wealth inheritance processing platform for processing.

[0080] Remote access mode 12: When a customer conducts business through online financial institutions, mobile financial institutions and other channels of financial institutions, they submit a wealth inheritance application remotely, and the customer enters the name, ID, contact information and other customer information of the heir and heir, the inheritance type, inheritance rules and proportion, etc., uploads wealth inheritance proof materials to the image information library 4, and guides the customer to make an appointment for the time and outlets for wealth inheritance disposal.

[0081] Personal wealth inheritance processing platform 2 simplifies the process of querying the deposit liabilities of the deceased and withdrawing and closing the deposit account, realizes one-time query, linkage processing, and combined authorization, and improves business processing efficiency; Figure 5 As shown, the module is divided into personal wealth inheritance application processing 21, unified view of personal customer wealth 22, personal wealth inheritance disposal 23, and personal wealth inheritance business registration 24.

[0082] The processing of personal wealth inheritance application 21 includes adding wealth inheritance application 211, modifying wealth inheritance application 212, cancelling wealth inheritance application 213 and querying wealth inheritance application 214.

[0083] New addition 211 to wealth inheritance application: Receive application information sent by personal wealth inheritance application 1, perform uniqueness check on information related to the heirs and heirs, generate a wealth inheritance license after the check is passed, and generate the corresponding review task and send it to personal wealth inheritance review task management 3.

[0084] Wealth inheritance application modification 212: Modify the existing wealth inheritance application, mainly including the modification of inheritance type, inheritance rules and proportion and other information. After the modification, the original review task process of the inheritance application will be terminated, a new review task will be regenerated and sent to the personal wealth inheritance review task management 3.

[0085] Wealth inheritance application cancellation 213: Cancel the original wealth inheritance application. After cancellation, the original review task process of the inheritance application will be ended.

[0086] Wealth inheritance application query 214: Display the images corresponding to the heir information, the heir information, and the wealth inheritance materials in the wealth inheritance application. The images can be obtained from the image information library according to the batch number for display.

[0087] Unified view of personal customer wealth 22, unified view of personal customer wealth 22 is the basis of "customer-centric" shared data. First, divide personal customer wealth into two major parts: assets and liabilities, and then further subdivide assets and liabilities. Assets can be deposits, wealth management, funds, bonds, precious metals, pensions, foreign exchange trading, account transactions and other product categories, and liabilities can be divided into credit cards and loans and other product categories. Subdivided into small categories based on product categories, for example, deposits can be divided into demand deposits, time deposits, structured deposits, credit card deposits, etc. Each small category can correspond to a product application of a commercial financial institution. Figure 6 As shown, the unified view of personal customer wealth integrates and encapsulates the query service interfaces of various product applications involved in the personal wealth inheritance business, and merges and authorizes them to form a unified customer wealth query service. Through distributed service calls, one-click query of personal customer wealth is achieved, and each product application query returns the personal customer wealth information under its jurisdiction, thus forming a unified view of personal customer wealth across fields and products, listing each account by column according to the type of assets and liabilities, and providing customers with professional shared data and services.

[0088] Wealth inheritance disposal 23. Wealth inheritance disposal is to dispose of various assets in the individual customer wealth view based on the unified view of individual customer wealth 22, and transfer wealth from the heir's account to the heir's account. The relevant processing flow chart is as follows: Figure 7 shown.

[0089] Wealth inheritance disposal includes an online processing module and a batch processing module. Before wealth inheritance disposal, first determine whether the account of the heir involves risk control. If so, first call the risk control interface of the financial institution's risk control system to release the account. In order to achieve media-free and password-free disposal, a new business scenario identification code called "individual customer wealth inheritance" is added. When wealth inheritance disposal interacts with each product application, the business identification code is sent. Before disposal, each product application first determines that the identification code is a personal customer wealth inheritance scenario, and then uses a media-free and password-free method to handle wealth. Media-free and password-free disposal may trigger the control of the financial institution's risk control system. The risk control system also needs to judge the business scenario identification code of "individual customer wealth inheritance". Media-free and password-free disposal in such scenarios will not trigger risk control, and will be recorded in the risk control exception record.

[0090] The online processing module is mainly suitable for scenarios where there are fewer customer wealth categories, so as to quickly respond to customer needs. The main responsibility of the online processing module is to handle wealth inheritance in real time or quasi-real time. For self-operated products of financial institutions such as deposits and credit cards, the wealth inheritance disposal module calls the transfer, account cancellation and other interfaces of related product applications in real time for processing. For products sold by financial institutions such as funds and wealth management, wealth disposal requests can be sent online to each product application. After the product application interacts with third-party institutions (fund companies, wealth management companies, etc.) for processing, the wealth disposal results are returned asynchronously.

[0091] The batch processing module is mainly applicable to scenarios with many types of customer wealth. For example, if financial institution staff use online methods to process wealth one by one, the process will be cumbersome, which will affect the customer experience. Financial institution staff using batch processing only need to select the types of wealth to be batch processed on the unified view of personal customer wealth and submit the batch processing.

[0092] (1) The system broadcasts wealth disposal messages to the corresponding product systems through the message server of the wealth inheritance disposal batch processing module. After receiving the message, each product application completes the corresponding wealth disposal account movement (redemption, liquidation, etc.), processes it into a current balance in RMB, and closes the account of the heir.

[0093] (2) Each product application sends the processing results after account cancellation in batches to the file server of the wealth inheritance disposal batch processing module.

[0094] (3) The batch scheduler of the wealth inheritance disposal batch processing module will trigger the repeated sending of wealth inheritance disposal messages for records where no product application return results are received T+1 days after the disposal message is pushed.

[0095] (4) The batch scheduler of the batch processing module scans the return files of each product account closing and position closing, and transfers the current balance of each wealth of the heir to the heir through the transfer service according to the inheritance rules and proportions of each heir in the corresponding application for the wealth inheritance license, and notifies the customer of the execution result by SMS.

[0096] Wealth inheritance business registration 24. Wealth inheritance business registration realizes the full record sharing of customer inheritance business inquiries, handling, account cancellation and other links. It records the inquiry of each individual customer wealth unified view and the disposal of individual customer wealth inheritance business, and provides inquiry methods to deal with possible legal risks in the future.

[0097] Inquiries on the unified view of individual customer wealth must include the wealth inheritance license number, the list of heirs for inquiries at the counter, the query time, the financial institution where the query took place, the operating teller, and the amounts or shares of various types of customer products reflected in the unified view of individual customer wealth at the time of the query.

[0098] The disposal of personal customer wealth inheritance business needs to include the wealth inheritance license number, the list of heirs for at-the-counter disposal, the disposal time, the financial institution where the disposal took place, the operating teller, the amount or share of each type of customer product disposed of, etc.

[0099] Personal wealth inheritance review task management 3, personal wealth inheritance review task management 3 realizes the management and task scheduling of wealth inheritance review tasks generated by the personal wealth inheritance processing platform, and realizes the work mechanism of customer wealth inheritance review task. Figure 8 As shown, the personal wealth inheritance review task management 3 specifically includes task classification management and scheduling 31 and task processing 32.

[0100] Since wealth inheritance business generally involves many parties and complex situations, involving the verification of more than 20 types of information and communication with more than 10 types of external institutions, commercial financial institutions generally do not have such professional reviewers in their outlets. Legal risks are prone to arise in the actual wealth inheritance process. It is necessary to establish a professional wealth inheritance review team in the second-level branches or head office to be responsible for the centralized review and processing of information for wealth inheritance business.

[0101] Task classification management and scheduling 31: Support financial institutions to classify and configure wealth inheritance review tasks according to the type of wealth inheritance on the front page, support the configuration of wealth inheritance review teams of financial institutions according to personnel positions, and realize that personnel in certain positions handle certain types of tasks. At the same time, monitor the processing time of tasks in the review and approval queues, release the review / approval personnel for tasks that exceed the review / approval time limit, and reschedule the released tasks to other processors for processing. The review / approval time limit can be set by the wealth inheritance review team management personnel of commercial financial institutions.

[0102] Task processing 32: Processing the wealth inheritance review task generated by the personal wealth inheritance processing platform 2, which is specifically divided into task allocation 321, task review 322, and task approval 323.

[0103] Task allocation and scheduling 321: According to different task classifications and personnel's pending task queue information, dynamically allocate the newly generated tasks of the personal wealth inheritance processing platform to specific business review personnel for processing.

[0104] Task review 322: The business reviewer selects a task for processing. The system interacts with the image information library 4 and obtains the legal documents, certification materials and other contents involved in the customer's wealth inheritance application through the image batch number to assist the business reviewer in the review. The reviewer investigates and confirms the customer and external organization through on-site, remote video or telephone. If the review fails, the customer is contacted through SMS and other intelligent outbound calling methods to make modifications, and the relevant information is sent to the personal wealth inheritance processing platform 2. If the review passes, the task continues to be submitted to the approval personnel;

[0105] Task Approval 323: The approval result can be selected as pass or fail, and the approval result will be sent to the Personal Wealth Inheritance Processing Platform 2, and the customer will be informed of the approval result through SMS and other intelligent outbound calling methods.

[0106] The image information library 4 stores the image data related to the customer's wealth inheritance submitted in the personal wealth inheritance application 1, and supports obtaining the image data of the relevant batches according to the image batch number.

[0107] The method for processing financial services provided in the embodiment of the present application obtains an inheritance request triggered by a target object, wherein the inheritance request is used to indicate that the target object inherits the financial assets of the deceased in a financial institution; when the inheritance request is reviewed and approved, an inheritance license corresponding to the target object is generated; based on the inheritance license, the financial assets of the deceased in the financial institution are processed to handle the inheritance request, thereby solving the technical problem that in the related technology, when processing fund inheritance business, manual operations are required in different business systems, resulting in relatively low processing efficiency of fund inheritance business. In this solution, when an inheritance request triggered by a target object is received, an inheritance license is generated according to the inheritance request, and the financial assets of the deceased in the financial institution are inherited according to the inheritance license, effectively simplifying the operating procedures of the personal wealth inheritance business of the financial institution, shortening the waiting time for customer business processing and the number of times customers go back and forth to the financial institution, reducing the problems of tellers operating the system one by one for each product, multiple authorizations, etc., thereby achieving the effect of improving the processing efficiency of fund inheritance business.

[0108] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0109] Example 2

[0110] The embodiment of the present application also provides a financial service processing device. It should be noted that the financial service processing device of the embodiment of the present application can be used to execute the financial service processing method provided in the embodiment of the present application. The financial service processing device provided in the embodiment of the present application is introduced below.

[0111] According to an embodiment of the present application, a device for implementing the above-mentioned financial service processing method is also provided. Fig. 9 As shown, the device includes: an acquisition unit 901, a generation unit 902 and a processing unit 903.

[0112] An acquisition unit 901 is used to acquire an inheritance request triggered by a target object, wherein the inheritance request is used to instruct the target object to inherit the financial assets of the deceased in a financial institution;

[0113] A generating unit 902, configured to generate an inheritance license corresponding to the target object when the inheritance request is approved;

[0114] The processing unit 903 is used to process the financial assets of the deceased in the financial institution based on the inheritance license to handle the inheritance request.

[0115] The processing device of the financial business provided by the embodiment of the present application obtains the inheritance request triggered by the target object through the acquisition unit 901, wherein the inheritance request is used to indicate that the target object inherits the financial assets of the heir in the financial institution; the generation unit 902 generates the inheritance license corresponding to the target object when the inheritance request is reviewed and approved; the processing unit 903 processes the financial assets of the heir in the financial institution based on the inheritance license to handle the inheritance request, which solves the technical problem that in the related technology, when handling the fund inheritance business, it is necessary to manually operate in different business systems, resulting in a relatively low processing efficiency of the fund inheritance business. In this scheme, when receiving the inheritance request triggered by the target object, an inheritance license is generated according to the inheritance request, and the inheritance processing of the financial assets of the heir in the financial institution is carried out according to the inheritance license, which effectively simplifies the operation process of the personal wealth inheritance business of the financial institution, shortens the waiting time for customer business processing and the number of times the customer goes back and forth to the financial institution, reduces the problems of teller operation of each product system, multiple authorizations, etc., and thus achieves the effect of improving the processing efficiency of the fund inheritance business.

[0116] Optionally, in the financial service processing device provided in the embodiment of the present application, the device also includes: a determination unit, used to determine the financial assets of the deceased in the financial institution based on the identity information of the deceased after obtaining the inheritance request triggered by the target object; a classification unit, used to classify the information included in the inheritance request according to the type corresponding to the financial assets, and obtain classified inheritance information; and an audit unit, used to determine the audit rules corresponding to the classified inheritance information, and audit the classified inheritance information based on the audit rules to obtain the audit results.

[0117] Optionally, in the financial service processing device provided in the embodiment of the present application, the generation unit includes: a first determination subunit, used to determine the financial assets of the deceased in the financial institution; a second determination subunit, used to determine the inheritance strategy of the target object in the financial assets based on the inheritance request; and a generation subunit, used to generate an inheritance license based on the inheritance strategy.

[0118] Optionally, in the financial service processing device provided in the embodiment of the present application, the processing unit includes: a third determination subunit, used to determine the number of types of financial assets of the deceased in a financial institution; a judgment subunit, used to judge whether the number of types is greater than a preset threshold; a first processing subunit, used to process the financial assets of the deceased in the financial institution based on the inheritance license through a first processing method to handle the inheritance request if the number of types is less than the preset threshold; and a second processing subunit, used to process the financial assets of the deceased in the financial institution based on the inheritance license through a second processing method to handle the inheritance request if the number of types is greater than or equal to the preset threshold.

[0119] Optionally, in the financial business processing device provided in the embodiment of the present application, the first processing sub-unit includes: a sending module, used to send a fund inheritance operation to the operation interface corresponding to the financial asset for each type of financial asset of the deceased in the financial institution; a transfer module, used to transfer the funds corresponding to the financial assets to the account corresponding to the target object through the operation interface based on the fund inheritance operation and the inheritance license, so as to realize the inheritance of financial assets.

[0120] Optionally, in the financial business processing device provided in the embodiment of the present application, the transfer module includes: an identification sub-module, used to identify the business scenario identification code in the fund inheritance operation through the operation interface to obtain an identification result; a transfer sub-module, used to transfer the funds corresponding to the financial assets to the account corresponding to the target object by the operation interface in a manner that bypasses risk control when the identification result characterizes that the business scenario identification code is a financial inheritance scenario.

[0121] Optionally, in the financial service processing device provided in the embodiment of the present application, the second processing sub-unit includes: a generation module, which is used to generate a fund inheritance broadcast message based on the inheritance license, and broadcast the fund inheritance broadcast message; a processing module, which is used to process the funds corresponding to the financial assets based on the fund inheritance broadcast message after the interface corresponding to the financial assets of the heir in the financial institution receives the fund inheritance broadcast message, so as to realize the inheritance of financial assets.

[0122] It should be noted that the acquisition unit 901, the generation unit 902 and the processing unit 903 correspond to steps S201 to S203 in the first embodiment, and the three units and the corresponding steps implement the same examples and application scenarios, but are not limited to the contents disclosed in the first embodiment. It should be noted that the modules or units may be hardware components or software components stored in a memory (e.g., the memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n), and the modules may also be part of the device and run in the computer terminal 10 provided in the first embodiment.

[0123] Example 3

[0124] An embodiment of the present application may provide an electronic device, Fig.10 is a structural block diagram of an electronic device according to an embodiment of the present application. Fig.10 As shown, the electronic device may include: one or more ( Fig.10 (only one is shown) processor 1002, memory 1004, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0125] Among them, the memory can be used to store software programs and modules, such as program instructions / modules corresponding to the methods and devices in the embodiments of the present application, and the processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, realizing the above-mentioned method. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include a memory remotely arranged relative to the processor, and these remote memories may be connected to the terminal via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0126] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: obtain an inheritance request triggered by the target object, wherein the inheritance request is used to instruct the target object to inherit the financial assets of the deceased in the financial institution; if the inheritance request is approved, generate an inheritance license corresponding to the target object; and process the financial assets of the deceased in the financial institution based on the inheritance license to handle the inheritance request.

[0127] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: After obtaining the inheritance request triggered by the target object, the method also includes: determining the financial assets of the deceased in the financial institution based on the identity information of the deceased; classifying the information included in the inheritance request according to the types corresponding to the financial assets to obtain the classified inheritance information; determining the audit rules corresponding to the classified inheritance information, and auditing the classified inheritance information according to the audit rules to obtain the audit results.

[0128] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: when the inheritance request is approved, generating an inheritance license corresponding to the target object includes: determining the financial assets of the deceased in the financial institution; determining the inheritance strategy of the target object in the financial assets based on the inheritance request; and generating an inheritance license based on the inheritance strategy.

[0129] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: processing the financial assets of the deceased in the financial institution based on the inheritance license to handle the inheritance request, including: determining the number of types of the financial assets of the deceased in the financial institution; judging whether the number of types is greater than a preset threshold; if the number of types is less than the preset threshold, processing the financial assets of the deceased in the financial institution based on the inheritance license through a first processing method to handle the inheritance request; if the number of types is greater than or equal to the preset threshold, processing the financial assets of the deceased in the financial institution based on the inheritance license through a second processing method to handle the inheritance request.

[0130] The processor can call the information and application programs stored in the memory through the transmission device to perform the following steps: processing the financial assets of the deceased in the financial institution based on the inheritance license through the first processing method to handle the inheritance request including: for each type of financial assets of the deceased in the financial institution, sending a fund inheritance operation to the operation interface corresponding to the financial asset; transferring the funds corresponding to the financial assets to the account corresponding to the target object through the operation interface based on the fund inheritance operation and the inheritance license to realize the inheritance of financial assets.

[0131] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: transferring the funds corresponding to the financial assets to the account corresponding to the target object based on the fund inheritance operation and the inheritance license through the operation interface, including: identifying the business scenario identification code in the fund inheritance operation through the operation interface to obtain an identification result; when the identification result characterizes that the business scenario identification code is a financial inheritance scenario, the operation interface transfers the funds corresponding to the financial assets to the account corresponding to the target object in a manner that bypasses risk control.

[0132] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: processing the financial assets of the deceased in the financial institution based on the inheritance license through the second processing method to handle the inheritance request, including: generating a fund inheritance broadcast message based on the inheritance license, and broadcasting the fund inheritance broadcast message; after the interface corresponding to the financial assets of the deceased in the financial institution receives the fund inheritance broadcast message, processing the funds corresponding to the financial assets based on the fund inheritance broadcast message to realize the inheritance of financial assets.

[0133] It can be understood by those skilled in the art that Fig.10 The structure shown is for illustration only, and the electronic device may also be a smart phone (such as an Android phone, an iOS phone, etc.), a tablet computer, a PDA, a mobile Internet device (Mobile Internet Devices, MID), a PAD, and other terminal devices. Fig.10 The structure of the electronic device is not limited. Fig.10 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Fig.10 Different configurations are shown.

[0134] A person of ordinary skill in the art can understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, and the storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0135] Example 4

[0136] The embodiment of the present application further provides a storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the financial service processing method provided in the first embodiment.

[0137] Optionally, in this embodiment, the above storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group.

[0138] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing the program steps of the processing method of financial business.

[0139] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0140] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0141] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0142] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0143] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0144] If the integrated unit is implemented in the form of 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 the present 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, and the computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, disk or optical disk and other media that can store program codes.

[0145] The above is only a preferred implementation of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A method for processing financial services, characterized in that: include: Acquire an inheritance request triggered by a target object, wherein the inheritance request is used to instruct the target object to inherit the financial assets of the deceased in a financial institution; If the inheritance request is approved, generating an inheritance license corresponding to the target object; The financial assets of the deceased in a financial institution are processed based on the inheritance license to handle the inheritance request.

2. The method according to claim 1, characterized in that After obtaining the inheritance request triggered by the target object, the method further includes: Determine the financial assets of the deceased in the financial institution based on the identity information of the deceased; Classifying the information included in the inheritance request according to the type corresponding to the financial assets to obtain classified inheritance information; Determine the audit rules corresponding to the classified inheritance information, and audit the classified inheritance information according to the audit rules to obtain the audit results.

3. The method according to claim 1, characterized in that When the inheritance request is approved, generating an inheritance license corresponding to the target object includes: Determine the financial assets of the deceased in the financial institution; Determining, according to the inheritance request, an inheritance strategy of the target object in the financial assets; The inheritance license is generated according to the inheritance policy.

4. The method according to claim 1, characterized in that: Processing the financial assets of the heir in a financial institution based on the inheritance license to handle the inheritance request includes: Determine the types and quantities of the financial assets of the deceased in the financial institution; Determining whether the number of the categories is greater than a preset threshold; If the number of the categories is less than the preset threshold, the financial assets of the heir in the financial institution are processed in a first processing manner based on the inheritance license to handle the inheritance request; If the number of types is greater than or equal to the preset threshold, the financial assets of the deceased in the financial institution are processed based on the inheritance license through a second processing method to handle the inheritance request.

5. The method according to claim 4, characterized in that Processing the financial assets of the deceased in a financial institution based on the inheritance license in a first processing manner to handle the inheritance request includes: For each type of financial assets of the heir in a financial institution, sending a fund inheritance operation to the operation interface corresponding to the financial asset; The funds corresponding to the financial assets are transferred to the account corresponding to the target object through the operation interface based on the funds inheritance operation and the inheritance license to realize the inheritance of financial assets.

6. The method according to claim 5, characterized in that Transferring the funds corresponding to the financial asset to the account corresponding to the target object based on the funds inheritance operation and the inheritance license through the operation interface includes: Identify the business scenario identification code in the fund inheritance operation through the operation interface to obtain an identification result; When the identification result indicates that the business scenario identification code is a financial inheritance scenario, the operation interface transfers the funds corresponding to the financial assets to the account corresponding to the target object in a manner that bypasses risk control.

7. The method according to claim 4, characterized in that Processing the financial assets of the deceased in a financial institution based on the inheritance license through the second processing method to handle the inheritance request includes: Based on the inheritance license, generate a fund inheritance broadcast message, and broadcast the fund inheritance broadcast message; After the heir receives the fund inheritance broadcast message at the interface corresponding to the financial assets of the financial institution, the funds corresponding to the financial assets are processed based on the fund inheritance broadcast message to realize the financial asset inheritance.

8. A financial service processing device, characterized in that: include: An acquisition unit, configured to acquire an inheritance request triggered by a target object, wherein the inheritance request is used to instruct the target object to inherit the financial assets of the deceased in a financial institution; A generating unit, configured to generate an inheritance license corresponding to the target object when the inheritance request is approved; A processing unit is used to process the financial assets of the deceased in a financial institution based on the inheritance license to handle the inheritance request.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored executable program, wherein when the executable program is run, the device where the computer-readable storage medium is located is controlled to execute the financial business processing method described in any one of claims 1 to 7.

10. An electronic device, characterized in that: include: A memory storing an executable program; A processor is used to run the program, wherein the program, when running, executes the method for processing financial business described in any one of claims 1 to 7.

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