Asset processing method and device, program product and electronic equipment

Abstract

The invention discloses an asset processing method and device, a program product and electronic equipment, and relates to the field of financial science and technology, and the asset processing method comprises the steps: verifying the identities of a first class of objects and at least one second class of objects, and when the identities of the first class of objects and the second class of objects pass the verification, carrying out the verification of the first class of objects and the second class of objects; determining an inheritance relationship between each second-class object and the first-class object, determining to-be-inherited assets of the first-class object, constructing a plurality of asset processing records based on the inheritance relationship and the to-be-inherited assets, adding all the asset processing records into an asset processing list, and processing the asset processing records in the asset processing list, and completing asset processing of the first class of objects. According to the method and the device, the technical problem of relatively low efficiency of processing the asset inheritance service in related technologies is solved.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular, to an asset processing method and its device, program product, and electronic device. Background Art

[0002] Asset inheritance business refers to the spouse, parents, children of the deceased depositor and the heirs or legatees designated in the notarized will, who submit applications to the financial institution individually or jointly with relevant certificates and supporting materials to handle deposit inquiries, account processing, account closure and other services.

[0003] At present, asset inheritance business consultations are becoming more frequent in financial institutions’ outlets. This business form is relatively complex and involves one-to-many transfers of property ownership, which poses a severe challenge to the security of financial institutions’ business systems. The current business system can no longer meet the needs of the business, and a new outlet-to-customer service support platform needs to be built to support the linkage disposal of customer assets in complex business scenarios such as asset inheritance.

[0004] Under the current business system model, outlets need to conduct dozens of counter transactions such as deposits, liability inquiries, asset withdrawals, and account cancellations for asset inheritance business. Each transaction must go through a series of complex operations such as verification and control before the assets can be disposed of one by one. Not only does it involve many transactions, but it also takes a long time to handle the business. In addition, there is a lack of effective guidance for the business handling path, and some outlets have problems with not knowing how to handle or not daring to handle complex businesses. In addition, the current business system's related verification and control do not take into account complex business scenarios such as asset inheritance. Each transaction requires a series of repeated operations, and there are many redundant links.

[0005] To the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0006] The embodiments of the present invention provide an asset processing method and apparatus, a program product, and an electronic device thereof, so as to at least solve the technical problem of low efficiency in processing asset inheritance business in the related art.

[0007] According to one aspect of an embodiment of the present invention, there is provided an asset processing method, which is applied to an asset inheritance system, and includes: verifying the identities of a first-category object and at least one second-category object, wherein the first-category object is an object of inherited assets, and the second-category object is an object that inherits the assets of the first-category object; in the case where the identity authentication of the first-category object and the second-category object is passed, determining the inheritance relationship between each second-category object and the first-category object; determining the assets to be inherited of the first-category object, and constructing multiple asset processing records based on the inheritance relationship and the assets to be inherited; adding all asset processing records to an asset processing list, and processing the asset processing records in the asset processing list to complete the asset processing of the first-category object.

[0008] Furthermore, the step of verifying the identity of the first category object and at least one second category object includes: obtaining first identity information of the first category object and second identity information of the second category object, wherein the first identity information and the second identity information include at least: certificate type, certificate number, and object name; matching the first identity information with the identity information in a preset database associated with the asset inheritance system, and if the match is successful, determining that the identity authentication of the first category object is passed, wherein the preset database includes: identity information of multiple objects; performing online verification of the second identity information, and if the verification is passed, determining that the identity authentication of the second category object is passed.

[0009] Furthermore, the step of determining the inheritance relationship between each second-category object and the first-category object includes: determining the kinship relationship between the second-category object and the first-category object; in the case where a kinship relationship exists between the second-category object and the first-category object, determining the inheritance relationship based on the kinship relationship; in the case where no kinship relationship exists between the second-category object and the first-category object, receiving certification materials, and determining the inheritance relationship based on the certification materials if the certification materials are reviewed and approved.

[0010] Furthermore, based on the inheritance relationship and the assets to be inherited, the steps of constructing multiple asset processing records include: determining the cancellation account that needs to be cancelled based on the assets to be inherited, and generating a cancellation account record based on the cancellation account, wherein the processing type contained in the cancellation account record is the cancellation type; characterizing the cancellation account record as an asset processing record; based on the inheritance relationship and the assets to be inherited, determining the processing type of each second-category object and the asset allocation amount corresponding to the processing type; generating an asset processing record based on the processing type of each second-category object and the asset allocation amount corresponding to the processing type, wherein the asset processing record includes at least: processing type, processing information, and the processing information includes: processing account, asset allocation amount.

[0011] Furthermore, before adding all asset processing records to the asset processing list, it also includes: integrating a business processing module in the asset inheritance system, wherein the business processing module is used to process the asset processing records.

[0012] Furthermore, after all asset processing records are added to the asset processing list, the method further includes: sorting the asset processing records in the asset processing list based on the processing types contained in the asset processing records to obtain the asset processing sequence.

[0013] Furthermore, the step of processing the asset processing records in the asset processing list includes: calling the business processing module to process the asset processing records in the asset processing list according to the asset processing order, and recording the processing results; deleting the processed asset processing records from the asset processing list; and when the asset processing list is empty, displaying all processing results on the front-end interface of the asset inheritance system.

[0014] According to another aspect of an embodiment of the present invention, there is also provided an asset processing device, which is applied to an asset inheritance system, and includes: a verification unit, which is used to verify the identity of a first-category object and at least one second-category object, wherein the first-category object is an object of inherited assets, and the second-category object is an object that inherits the assets of the first-category object; a determination unit, which is used to determine the inheritance relationship between each second-category object and the first-category object when the identity authentication of the first-category object and the second-category object is passed; a construction unit, which is used to determine the assets to be inherited of the first-category object, and construct multiple asset processing records based on the inheritance relationship and the assets to be inherited; a processing unit, which is used to add all asset processing records to an asset processing list, and process the asset processing records in the asset processing list to complete the asset processing of the first-category object.

[0015] Furthermore, the verification unit includes: a first acquisition module, used to obtain first identity information of a first category of objects and second identity information of a second category of objects, wherein the first identity information and the second identity information include at least: certificate type, certificate number, and object name; a first matching module, used to match the first identity information with the identity information in a preset database associated with the asset inheritance system, and if the match is successful, determine that the identity authentication of the first category of objects is passed, wherein the preset database includes: identity information of multiple objects; a first verification module, used to perform online verification of the second identity information, and if the verification is passed, determine that the identity authentication of the second category of objects is passed.

[0016] Furthermore, the determination unit includes: a first determination module, used to determine the kinship relationship between the second category object and the first category object; a second determination module, used to determine the inheritance relationship based on the kinship relationship when a kinship relationship exists between the second category object and the first category object; a third determination module, used to receive proof materials when no kinship relationship exists between the second category object and the first category object, and determine the inheritance relationship based on the proof materials when the proof materials are reviewed and approved.

[0017] Furthermore, the construction unit includes: a fourth determination module, used to determine the cancellation account that needs to be cancelled based on the assets to be inherited, and generate a cancellation account record based on the cancellation account, wherein the processing type contained in the cancellation account record is the cancellation type; a first characterization module, used to characterize the cancellation account record as an asset processing record; a fifth determination module, used to determine the processing type of each second-category object and the asset allocation amount corresponding to the processing type based on the inheritance relationship and the assets to be inherited; a first generation module, used to generate an asset processing record based on the processing type of each second-category object and the asset allocation amount corresponding to the processing type, wherein the asset processing record includes at least: processing type, processing information, and the processing information includes: processing account, asset allocation amount.

[0018] Furthermore, the asset processing device also includes: a first integration module, which is used to integrate a business processing module in the asset inheritance system before adding all asset processing records to the asset processing list, wherein the business processing module is used to process the asset processing records.

[0019] Furthermore, the asset processing device also includes: a first sorting module, which is used to sort the asset processing records in the asset processing list based on the processing types contained in the asset processing records after adding all asset processing records to the asset processing list to obtain the asset processing order.

[0020] Furthermore, the processing unit includes: a first calling module, which is used to call the business processing module to process the asset processing records in the asset processing list according to the asset processing order, and record the processing results; a first deleting module, which is used to delete the processed asset processing records from the asset processing list; and a first display module, which is used to display all processing results on the front-end interface of the asset inheritance system when the asset processing list is empty.

[0021] According to another aspect of an embodiment of the present invention, a computer program product is also provided, including a non-volatile computer-readable storage medium, wherein the non-volatile computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, any one of the above-mentioned asset processing methods is implemented.

[0022] According to another aspect of an embodiment of the present invention, there is also provided an electronic device, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by one or more processors, the one or more processors implement any one of the above-mentioned asset processing methods.

[0023] In the present invention, the identities of a first-category object and at least one second-category object are verified. When the identities of the first-category object and the second-category object are authenticated, the inheritance relationship between each second-category object and the first-category object is determined, the assets to be inherited of the first-category object are determined, and based on the inheritance relationship and the assets to be inherited, a plurality of asset processing records are constructed, all the asset processing records are added to an asset processing list, and the asset processing records in the asset processing list are processed to complete the asset processing of the first-category object, thereby solving the technical problem of low efficiency in processing asset inheritance business in the related art.

[0024] In the present invention, by pre-processing identity authentication and determination of inheritance relationships in a unified manner, redundant operations can be reduced and processing efficiency can be improved. Moreover, by introducing the concept of shopping cart mode submission, an asset processing list can be constructed to achieve unified processing of assets, thereby improving the efficiency of asset inheritance and achieving the technical effect of quickly processing asset inheritance business. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of the present invention. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0026] Figure 1 A hardware structure block diagram of a computer terminal (or mobile device) for implementing the asset processing method is shown;

[0027] Figure 2 is a flow chart of an asset processing method according to Embodiment 1 of the present invention;

[0028] Figure 3 is a schematic diagram of asset linkage disposal in a scenario of asset product diversity according to Embodiment 1 of the present invention;

[0029] Figure 4 is a schematic diagram of an optional asset processing device according to an embodiment of the present invention;

[0030] Figure 5 is a structural block diagram of an electronic device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0031] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0032] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention 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 interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0033] It should be noted that the asset processing method and apparatus thereof in the present invention can be used in the financial technology field when conducting asset processing, and can also be used in any field other than the financial technology field when conducting asset processing. The present invention does not limit the application field of the asset processing method and apparatus thereof.

[0034] It should be noted that the relevant information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) collected and involved in the present invention are all 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 the relevant laws, regulations and standards of the relevant regions, 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 between the system and the relevant users or organizations. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or organization through the interface, and obtain relevant information after receiving the consent information fed back by the aforementioned user or organization.

[0035] In the present invention, by introducing "shopping cart mode submission", the current business system that needs to handle multiple transactions one by one is transformed into a function that can complete the business processing with a single shopping cart mode submission, thereby realizing the combined submission and disposal of customers' multiple types of complex assets.

[0036] In the present invention, for scenarios where business processing is relatively complex, such as asset inheritance, the shopping cart model can support one-to-many and many-to-many combined disposal of different asset products, solving the problem of repeated verification and verification of each transaction under the current business system model, and can realize information reuse and combined processing of complex business processing such as asset inheritance, reduce the number of information entry, verification and review, shorten the waiting time for customer business processing, and improve customer satisfaction. In addition, it can also solve the problem that outlets cannot handle or dare not handle complex businesses, making the business processing of outlets more efficient and convenient, improving the level of convenient services, reducing the occupation of operating resources, and accelerating the development of outlets in the direction of lightweight. In addition, the constructed asset inheritance system adopts unified standards for overall coordination, strengthens information sharing and linkage between systems, reduces system redundant links, makes business processes clear, business processing is uninterrupted, and reduces risk exposure.

[0037] The present invention is described in detail below in conjunction with various embodiments.

[0038] Example 1

[0039] According to an embodiment of the present application, an embodiment of an asset processing method 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.

[0040] 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 1 The hardware structure block diagram of a computer terminal (or mobile device) for implementing the asset processing method is shown. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more ( Figure 1 102a, 102b, ..., 102n are used to illustrate) processor 102 (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, a keyboard, a cursor control device, 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, wherein the network interface may be connected to a wired and / or wireless network. A person of ordinary skill in the art will understand 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 are shown.

[0041] 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).

[0042] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the asset processing method 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 above-mentioned asset processing method. 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.

[0043] 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.

[0044] 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).

[0045] Under the above operating environment, this application provides Figure 2 The asset treatment method shown. Figure 2 is a flow chart of an asset processing method according to Embodiment 1 of the present invention, such as Figure 2 As shown, the method comprises the following steps:

[0046] Step S201 , verifying the identities of a first-category object and at least one second-category object, wherein the first-category object is an object of inherited assets, and the second-category object is an object that inherits the assets of the first-category object.

[0047] In the embodiment of the present invention, an asset inheritance system may be used to execute the asset processing method.

[0048] In the embodiment of the present invention, the first category of objects refers to the objects of inherited assets, that is, the deceased depositors or asset holders; the second category of objects refers to the objects that inherit the assets of the first category of objects, including the spouse, parents, children of the deceased, and the heirs or legatees designated in the notarized will, etc.

[0049] In an embodiment of the present invention, the certificate type, certificate number, name and other information of the heir (first category object) and the heir (second category object) can be entered into the asset inheritance system, and identity confirmation can be performed through system network verification and facial recognition.

[0050] Step S202: when the identity authentication of the first category object and the second category object is passed, determining the inheritance relationship between each second category object and the first category object.

[0051] In the embodiment of the present invention, after the identity authentication of the first category object and the second category object is passed, the inheritance relationship between each second category object and the first category object can be determined. The inheritance relationship refers to the statutory inheritance right or the inheritance right designated by the will between the second category object (heir) and the first category object (deceased depositor or asset holder). By determining the inheritance relationship, it is convenient to determine the disposal order and share distribution when disposing of assets later.

[0052] Step S203, determining the assets to be inherited of the first category of objects, and constructing a plurality of asset processing records based on the inheritance relationship and the assets to be inherited.

[0053] In the embodiment of the present invention, all the assets to be inherited under the name of the heir (including but not limited to deposits, financial management, funds, bonds, precious metals, etc.) can be queried and displayed through the asset inheritance system to form a full view of assets. Then, according to the inheritance relationship, select the assets to be processed (can be multiple) from the full view of assets, and perform operations such as modifying the amount and share. These operations are recorded through the "shopping cart mode" to form multiple asset processing records, that is, the operation records of processing each asset to be inherited based on the inheritance relationship, including but not limited to account cancellation, transfer, withdrawal, foreign exchange settlement, non-transaction transfer, etc.

[0054] In the embodiment of the present invention, the shopping cart mode is a design mode widely used in software applications and network platforms, which can simulate the use experience of shopping carts in supermarkets or shopping malls in real life, and provide users with an intuitive and efficient multi-selection operation and batch processing mechanism. In the shopping cart mode, users can add multiple items (i.e., asset records that need to be processed, such as deposit accounts, financial products, etc.) to a virtual "shopping cart", and then operate all items in the shopping cart at one time, such as settlement, purchase, deletion or modification, etc., which can simplify the process of users performing multiple operations and improve the friendliness and operation efficiency of the user interface.

[0055] In an embodiment of the present invention, in order to implement the shopping cart mode in the asset inheritance system, a temporary storage space (i.e., an asset processing list) needs to be provided for storing the asset records selected by the user, and the interface of the asset inheritance system needs to have a multiple selection function to allow the user to select one or more from multiple assets to add to the shopping cart. For example, the customer service manager can check multiple asset records that need to be processed (such as account cancellation, transfer, withdrawal, etc.) and add them to the shopping cart. In addition, the shopping cart mode also supports the modification of the selected asset records, such as adjusting the number, modifying the attributes, etc. In this embodiment, the customer service manager can modify the amount, share and other information in the shopping cart list, or adjust the transaction execution order. In addition, the shopping cart mode allows the user to operate all asset records in the shopping cart at one time without having to process them one by one. In this embodiment, the customer service manager can perform linkage disposal of all selected assets, such as account cancellation, transfer, withdrawal, etc., through a "shopping cart mode submission" once.

[0056] Step S204, adding all asset processing records to the asset processing list, and processing the asset processing records in the asset processing list to complete the asset processing of the first category of objects.

[0057] In the embodiment of the present invention, the constructed asset processing record can be added to the asset processing list (ie, the shopping cart), and the asset processing records in the list can be edited, deleted, and the execution order can be adjusted.

[0058] In the embodiment of the present invention, each asset processing record contains specific asset information, processing functions (such as account cancellation, transfer, etc.) and operation instructions (such as amount, share, etc.). By adding all asset processing records to the asset processing list, all assets to be processed can be combined and processed in a coordinated manner according to the information in the asset processing list through a "shopping cart mode submission", such as account cancellation, transfer, withdrawal, etc., to complete the asset processing of the first category of objects.

[0059] In the embodiment of the present invention, after the asset disposal is completed, all transaction results can be displayed, and the result receipt can be printed to the customer to complete the entire business process.

[0060] In summary, by pre-processing identity authentication and determination of inheritance relationships in a unified manner, redundant operations can be reduced and processing efficiency can be improved. Moreover, by introducing the concept of shopping cart mode submission, an asset processing list can be constructed to achieve unified processing of assets, thereby improving the efficiency of asset inheritance and achieving the technical effect of quickly processing asset inheritance business, thereby solving the technical problem of low efficiency in processing asset inheritance business in related technologies.

[0061] In order to improve the accuracy of identity authentication, in the asset processing method provided in Example 1 of the present application, first identity information of a first category of objects and second identity information of a second category of objects are obtained, wherein the first identity information and the second identity information at least include: certificate type, certificate number, and object name; the first identity information is matched with the identity information in a preset database associated with the asset inheritance system, and if the match is successful, it is determined that the identity authentication of the first category of objects is passed, wherein the preset database includes: identity information of multiple objects; the second identity information is verified online, and if the verification is passed, it is determined that the identity authentication of the second category of objects is passed.

[0062] In an embodiment of the present invention, the customer service manager can enter the first identity information of the first category of objects and the second identity information of the second category of objects in the asset inheritance system, wherein the first identity information contains key data that can clearly identify the identity of the first category of objects, including at least the certificate type, certificate number, object name, etc.; the second identity information contains key data that can clearly identify the identity of the second category of objects, including at least the certificate type, certificate number, object name, etc.

[0063] In the embodiment of the present invention, the asset inheritance system can automatically compare the entered first identity information with the information in the preset database to check whether there is a consistent record. If there is a record in the database that completely matches the entered information, the system determines that the identity authentication of the first type of object has passed.

[0064] Here, the preset database is a database for storing and matching object identity information, and includes detailed identity information of multiple objects.

[0065] In the embodiment of the present invention, the asset inheritance system can automatically initiate an online verification request based on the second identity information. The objects of the online verification include, but are not limited to: the citizen identity information system, and the records of inheritance rights in the court system. Only when the online verification results confirm that the identity information of the second type of object is correct, will the system mark its identity verification as passed.

[0066] In order to improve the accuracy of determining inheritance relationships, in the asset processing method provided in Example 1 of the present application, the kinship relationship between the second category of objects and the first category of objects is determined; in the case where a kinship relationship exists between the second category of objects and the first category of objects, the inheritance relationship is determined based on the kinship relationship; in the case where no kinship relationship exists between the second category of objects and the first category of objects, proof materials are received, and if the proof materials are reviewed and approved, the inheritance relationship is determined based on the proof materials.

[0067] In the embodiment of the present invention, the kinship relationship between the second-category object and the first-category object can be queried through the entered identity information of the second-category object. The asset inheritance system has pre-integrated a kinship recognition algorithm, which can automatically determine whether there is a legal kinship relationship between the two based on the identity information. Among them, kinship refers to the natural blood relationship or legal relationship between the second-category object (heir) and the first-category object (deceased depositor or asset holder), such as spouse, parent, child, etc.

[0068] In an embodiment of the present invention, after the asset inheritance system recognizes that there is a kinship relationship between the second category object and the first category object, it can confirm the inheritance relationship so as to automatically determine the inheritance order and inheritance share based on the inheritance relationship. When the asset inheritance system fails to recognize the kinship relationship between the second category object and the first category object, the customer service manager can guide the second category object to submit supporting documents (legal documents that can prove their inheritance rights provided by the second category object who is not a relative (such as the heir or legatee designated in the will), such as a notarized will, court judgment, etc.). These documents will be uploaded to the system and enter the background review process. The background review personnel will review the authenticity and legality of the documents. If the review is passed, the system will confirm the inheritance relationship based on the content of the supporting documents.

[0069] In order to improve the accuracy of constructing multiple asset processing records, in the asset processing method provided in Example 1 of the present application, based on the assets to be inherited, the cancellation account that needs to be cancelled is determined, and based on the cancellation account, a cancellation account record is generated, wherein the processing type contained in the cancellation account record is the cancellation type; the cancellation account record is characterized as an asset processing record; based on the inheritance relationship and the assets to be inherited, the processing type of each second-category object and the asset allocation amount corresponding to the processing type are determined; based on the processing type of each second-category object and the asset allocation amount corresponding to the processing type, an asset processing record is generated, wherein the asset processing record at least includes: processing type, processing information, and the processing information includes: processing account, asset allocation amount.

[0070] In an embodiment of the present invention, the customer service manager queries and displays all wealth product information under the name of the first category of objects in the system. After forming a full view of the assets, the customer service manager can determine which accounts need to be cancelled from the full view of the assets based on the heirs' choices and inheritance relationships, and then automatically generate a cancellation account record containing detailed account information and cancellation instructions, ensuring that each account cancellation operation has a clear record and basis.

[0071] Here, the cancelled account refers to the account of the deceased depositor that the heir does not need or cannot inherit and needs to be cancelled. The cancelled account record contains key information of the account cancellation operation, such as account information, processing type, etc., and its processing type is marked as the cancellation type.

[0072] In the embodiment of the present invention, the account cancellation record can be converted into an asset processing record to ensure that the account cancellation record can be uniformly incorporated into the asset processing process, which is convenient for subsequent batch operations and management.

[0073] In the embodiment of the present invention, after the customer service manager inputs the detailed information of the inheritance relationship and the assets to be inherited into the system, the system automatically analyzes and determines the processing type and asset allocation amount for each second-category object (heir). For example, if the will specifies that a certain heir can inherit all the deposits, the system will generate a record with the corresponding processing type of "transfer" or "withdrawal" and mark the specific asset allocation amount.

[0074] Here, the processing type refers to the different ways of dealing with inherited assets, such as transfer, withdrawal, non-transaction transfer, etc. The asset distribution amount refers to the number or amount of assets that each heir can inherit.

[0075] In the embodiment of the present invention, asset processing records for each second-category object can be generated according to the determined processing type and asset allocation quota. These records contain comprehensive information such as processing type, processing account and asset allocation quota, providing clear operation guidance for batch processing.

[0076] In order to facilitate the calling of various business processing modules in the asset inheritance system, in the asset processing method provided in Example 1 of the present application, before all asset processing records are added to the asset processing list, the business processing module is integrated in the asset inheritance system, wherein the business processing module is used to process the asset processing records.

[0077] In the embodiment of the present invention, when constructing an asset inheritance system, in order to facilitate the subsequent processing of asset processing records, the business processing module can be integrated as the core component of the asset inheritance system. This module needs to work seamlessly with other components of the system (such as the user interface, database, identity authentication module, etc.) to ensure that the asset processing records can be correctly analyzed and processed.

[0078] Here, the business processing module is a software component that processes asset processing records in the asset inheritance system. It can receive asset processing records, execute corresponding business logic, such as account cancellation, asset allocation, etc., and ensure the accuracy and compliance of operations.

[0079] In the embodiment of the present invention, the business processing module has the following functions: (1) verifying the integrity of the processing record: ensuring that each asset processing record contains the necessary information (such as processing type, processing account, asset allocation amount, etc.) and is in the correct format; (2) executing business logic: executing corresponding business operations according to the processing type in the asset processing record, such as executing account cancellation logic for account cancellation records, executing fund transfer logic for asset allocation records, etc.; (3) compliance check: before executing the operation, the business processing module needs to check whether the operation is compliant to avoid illegal operations; (4) generating processing instructions: converting the asset processing records that have been verified and processed by business logic into system executable processing instructions for subsequent batch operations.

[0080] In order to improve the accuracy of determining the asset processing order, in the asset processing method provided in Example 1 of the present application, after all asset processing records are added to the asset processing list, the asset processing records in the asset processing list are sorted based on the processing types contained in the asset processing records to obtain the asset processing order.

[0081] In an embodiment of the present invention, the processing type is a key field in the asset processing record, and different sorting strategies can be designed according to its nature. For example, instructions related to account cancellation can be processed first, because account cancellation may affect the execution of subsequent asset allocation and transfer; or, the processing order can be determined according to the liquidity of the assets or the complexity of the operation to achieve the optimal allocation of resources. Therefore, the processing order of different processing types can be determined according to the needs of the asset inheritance business, and for the same processing type, the asset processing record can be sorted according to the size of the asset allocation amount contained in the asset processing record, so as to determine the asset processing order of the asset processing record in the asset processing list, so as to ensure that the asset processing record can be executed in the optimal order, reduce the waiting time or resource conflicts during the operation, and improve the efficiency of business processing.

[0082] In order to improve the accuracy of processing the asset processing list, in the asset processing method provided in Example 1 of the present application, according to the asset processing order, the business processing module is called to process the asset processing records in the asset processing list, and the processing results are recorded; the processed asset processing records are deleted from the asset processing list; when the asset processing list is empty, all processing results are displayed on the front-end interface of the asset inheritance system.

[0083] In an embodiment of the present invention, the business processing module can be called to execute the asset processing records in the asset processing list one by one based on a predetermined asset processing order. The execution of each asset processing instruction will be processed by the business processing module to ensure the accuracy and compliance of the operation. During the execution process, the system records the processing results of each asset processing record, including transaction status, transaction time, transaction results and other information. Whenever the business processing module completes the operation of an asset processing record, the system will automatically remove the record from the asset processing list to ensure that the list only contains records to be processed. In this way, not only can the real-time nature of the asset processing list be maintained, but it also helps to optimize system performance and avoid affecting operational efficiency due to the long-term occupation of resources by processed records.

[0084] In the embodiment of the present invention, when the system detects that there are no more records to be processed in the asset processing list, the result display function will be triggered. The system will summarize the results of all processed asset processing records and display them to the user in a clear and understandable manner on the front-end interface of the asset inheritance system, such as listing the processing status, time and results of each operation in a table.

[0085] Figure 3 is a schematic diagram of asset linkage disposal in a scenario of asset product diversity according to Embodiment 1 of the present invention, such as Figure 3 As shown in the figure, the asset linkage disposal includes the following processes:

[0086] (1) The customer service manager can enter the relevant information of the heirs, heirs and agents, including key elements such as the customer's ID type, ID number and name. After entering the information, the system conducts online verification, face recognition and other identity verification to ensure the accuracy and legitimacy of the customer's identity. In other words, the customer manager can enter the information once and review the information once.

[0087] (2) When the system cannot directly query the inheritance relationship, the customer service manager needs to create a license and enter the mobile phone number of the person who handles it. The customer then uploads the identity document, judgment document and other supporting materials to the backend for review. After the review is passed, the system will send a text message to notify the person who handles it to confirm the legitimacy of the inheritance relationship.

[0088] (3) Based on the records that have passed the review, the customer service manager can enter the one-click query page to query the customer's wealth and display the asset view of the heir. The asset view includes various types such as deposits, financial management, funds, bonds, precious metals, etc. Through the asset view, you can fully understand the asset status of the heir.

[0089] (4) The introduction of the shopping cart model enables flexible combinations of different asset types to be added to the shopping cart at the same time, simplifying complex business operations and improving efficiency. For example, based on the asset view, the constructed asset processing records can be added to the shopping cart (i.e., the asset processing list), which can include: account cancellation, transfer remittance, cash withdrawal, foreign exchange settlement, non-transaction transfer and other asset processing records.

[0090] (5) After entering the shopping cart list, the customer service manager can edit each asset disposal record, including: amount modification, share modification, asset deletion, asset purchase, etc. The shopping cart editing function allows the asset disposal details to be adjusted to meet the specific needs of the customer. After completing the shopping cart editing, the customer service manager can submit the shopping cart to submit all asset disposal records in the shopping cart at one time. After that, the system will perform batch asset disposal based on the function items and information summaries in the records.

[0091] (6) After the asset disposal is completed, the system will provide feedback and display the asset disposal results on the customer interface.

[0092] The asset processing method provided in the embodiment of the present application can reduce redundant operations and improve processing efficiency by pre-processing identity authentication and determination of inheritance relationships in a unified manner. Moreover, by introducing the concept of shopping cart mode submission, an asset processing list can be constructed to achieve unified processing of assets, thereby improving the efficiency of asset inheritance and achieving the technical effect of quickly processing asset inheritance business, thereby solving the technical problem of low efficiency in processing asset inheritance business in related technologies.

[0093] 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.

[0094] Example 2

[0095] The embodiment of the present application also provides an asset processing device. It should be noted that the asset processing device of the embodiment of the present application can be used to execute the asset processing method provided in the embodiment of the present application. The asset processing device provided in the embodiment of the present application is introduced below.

[0096] According to an embodiment of the present application, a device for implementing the above-mentioned asset processing method is also provided. Figure 4 is a schematic diagram of an optional asset processing device according to an embodiment of the present invention, such as Figure 4 As shown, the asset processing device may include: a verification unit 40, a determination unit 41, a construction unit 42, and a processing unit 43.

[0097] The verification unit 40 is used to verify the identity of the first category object and at least one second category object, wherein the first category object is an object of inherited assets and the second category object is an object that inherits the assets of the first category object;

[0098] A determination unit 41, configured to determine an inheritance relationship between each second-category object and the first-category object when the identity authentication of the first-category object and the second-category object is passed;

[0099] A construction unit 42, configured to determine the assets to be inherited of the first type of objects, and to construct a plurality of asset processing records based on the inheritance relationship and the assets to be inherited;

[0100] The processing unit 43 is used to add all asset processing records to the asset processing list, and process the asset processing records in the asset processing list to complete the asset processing of the first category of objects.

[0101] The asset processing device provided in the embodiment of the present application can reduce redundant operations and improve processing efficiency by pre-processing identity authentication and determination of inheritance relationships in a unified manner. Moreover, by introducing the concept of shopping cart mode submission, an asset processing list can be constructed to achieve unified processing of assets, thereby improving the efficiency of asset inheritance and achieving the technical effect of quickly processing asset inheritance business, thereby solving the technical problem of low efficiency in processing asset inheritance business in related technologies.

[0102] Optionally, the verification unit includes: a first acquisition module, used to obtain first identity information of a first category of objects and second identity information of a second category of objects, wherein the first identity information and the second identity information include at least: certificate type, certificate number, and object name; a first matching module, used to match the first identity information with the identity information in a preset database associated with the asset inheritance system, and if the match is successful, determine that the identity authentication of the first category of objects is passed, wherein the preset database includes: identity information of multiple objects; a first verification module, used to perform online verification of the second identity information, and if the verification is passed, determine that the identity authentication of the second category of objects is passed.

[0103] Optionally, the determination unit includes: a first determination module, used to determine the kinship relationship between the second category object and the first category object; a second determination module, used to determine the inheritance relationship based on the kinship relationship when a kinship relationship exists between the second category object and the first category object; a third determination module, used to receive proof materials when no kinship relationship exists between the second category object and the first category object, and determine the inheritance relationship based on the proof materials when the proof materials are reviewed and approved.

[0104] Optionally, the construction unit includes: a fourth determination module, used to determine the cancellation account that needs to be cancelled based on the assets to be inherited, and generate a cancellation account record based on the cancellation account, wherein the processing type contained in the cancellation account record is the cancellation type; a first characterization module, used to characterize the cancellation account record as an asset processing record; a fifth determination module, used to determine the processing type of each second-category object and the asset allocation amount corresponding to the processing type based on the inheritance relationship and the assets to be inherited; a first generation module, used to generate an asset processing record based on the processing type of each second-category object and the asset allocation amount corresponding to the processing type, wherein the asset processing record includes at least: processing type, processing information, and the processing information includes: processing account, asset allocation amount.

[0105] Optionally, the asset processing device further includes: a first integration module, used to integrate a business processing module in the asset inheritance system before adding all asset processing records to the asset processing list, wherein the business processing module is used to process the asset processing records.

[0106] Optionally, the asset processing device further includes: a first sorting module, which is used to sort the asset processing records in the asset processing list based on the processing types contained in the asset processing records after adding all asset processing records to the asset processing list to obtain the asset processing order.

[0107] Optionally, the processing unit includes: a first calling module, used to call the business processing module to process the asset processing records in the asset processing list according to the asset processing order, and record the processing results; a first deleting module, used to delete the processed asset processing records from the asset processing list; a first display module, used to display all processing results on the front-end interface of the asset inheritance system when the asset processing list is empty.

[0108] The above-mentioned asset processing device may also include a processor and a memory. The above-mentioned verification unit 40, determination unit 41, construction unit 42, processing unit 43, etc. are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to realize corresponding functions.

[0109] The processor includes a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be set, and all asset processing records are added to the asset processing list by adjusting kernel parameters, and the asset processing records in the asset processing list are processed to complete the asset processing of the first type of objects.

[0110] The above-mentioned memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash memory (fl ash RAM), and the memory includes at least one storage chip.

[0111] It should be noted that the verification unit 40, the determination unit 41, the construction unit 42, and the processing unit 43 correspond to steps S201 to S204 in Example 1, and the examples and application scenarios implemented by the above units and the corresponding steps are the same, but are not limited to the contents disclosed in the above Example 1. It should be noted that the above units can be hardware components or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n), and the above units can also be run in the computer terminal 10 provided in Example 1 as part of the device.

[0112] Example 3

[0113] An embodiment of the present application may provide an electronic device, Figure 5 is a structural block diagram of an electronic device according to an embodiment of the present invention. Figure 5 As shown, the electronic device may include: one or more ( Figure 5 (only one is shown) processor 502, memory 504, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0114] Among them, the memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the asset processing method and device in the embodiment of the present application. 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 asset processing 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 can 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.

[0115] The processor can call the information and application programs stored in the memory through the transmission device to perform the following steps: verify the identity of a first-category object and at least one second-category object, wherein the first-category object is an object of inherited assets and the second-category object is an object that inherits the assets of the first-category object; when the identity authentication of the first-category object and the second-category object is passed, determine the inheritance relationship between each second-category object and the first-category object; determine the assets to be inherited by the first-category object, and construct multiple asset processing records based on the inheritance relationship and the assets to be inherited; add all asset processing records to an asset processing list, and process the asset processing records in the asset processing list to complete the asset processing of the first-category object.

[0116] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: obtain the first identity information of the first category of objects and the second identity information of the second category of objects, wherein the first identity information and the second identity information at least include: certificate type, certificate number, and object name; match the first identity information with the identity information in a preset database associated with the asset inheritance system, and if the match is successful, determine that the identity authentication of the first category of objects is passed, wherein the preset database includes: identity information of multiple objects; perform online verification of the second identity information, and if the verification is passed, determine that the identity authentication of the second category of objects is passed.

[0117] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: determining the kinship relationship between the second category of objects and the first category of objects; in the case where a kinship relationship exists between the second category of objects and the first category of objects, determining the inheritance relationship based on the kinship relationship; in the case where no kinship relationship exists between the second category of objects and the first category of objects, receiving proof materials, and determining the inheritance relationship based on the proof materials if the proof materials are reviewed and approved.

[0118] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: based on the assets to be inherited, determine the cancellation account that needs to be cancelled, and based on the cancellation account, generate a cancellation account record, wherein the processing type contained in the cancellation account record is the cancellation type; characterize the cancellation account record as an asset processing record; based on the inheritance relationship and the assets to be inherited, determine the processing type of each second-category object and the asset allocation amount corresponding to the processing type; based on the processing type of each second-category object and the asset allocation amount corresponding to the processing type, generate an asset processing record, wherein the asset processing record at least includes: processing type, processing information, and the processing information includes: processing account, asset allocation amount.

[0119] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: integrating a business processing module in the asset inheritance system, wherein the business processing module is used to process asset processing records.

[0120] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: sort the asset processing records in the asset processing list based on the processing types contained in the asset processing records to obtain the asset processing order.

[0121] The processor can also call the information and applications stored in the memory through the transmission device to perform the following steps: according to the asset processing order, call the business processing module to process the asset processing records in the asset processing list, and record the processing results; delete the processed asset processing records from the asset processing list; when the asset processing list is empty, display all processing results on the front-end interface of the asset inheritance system.

[0122] The embodiment of the present application provides a solution for asset processing. By pre-processing identity authentication and inheritance relationship determination in a unified manner, redundant operations can be reduced and processing efficiency can be improved. Moreover, by introducing the concept of shopping cart mode submission, an asset processing list can be constructed to achieve unified processing of assets, improve the efficiency of asset inheritance, and achieve the technical effect of quickly processing asset inheritance business, thereby solving the technical problem of low efficiency in processing asset inheritance business in related technologies.

[0123] It can be understood by those skilled in the art that Figure 5 The structure shown is for illustration only, and the electronic device may also be a terminal device such as a smart phone, a tablet computer, a PDA, and a Mobile Internet Device (MID). Figure 5 The structure of the electronic device is not limited. Figure 5 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Figure 5 Different configurations shown.

[0124] 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.

[0125] Example 4

[0126] 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 asset processing method provided in the first embodiment.

[0127] 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.

[0128] The present application also provides a computer program product which, when executed on a data processing device, is suitable for executing the steps of the asset processing method.

[0129] 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.

[0130] 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.

[0131] 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.

[0132] 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.

[0133] 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.

[0134] 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 is essentially 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, server or 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 CD-ROM and other media that can store program codes.

[0135] 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. An asset processing method, characterized in that: Applied to asset inheritance systems, including: Verifying the identities of a first-category object and at least one second-category object, wherein the first-category object is an object of inherited assets, and the second-category object is an object that inherits the assets of the first-category object; In the case where the identity authentication of the first category object and the second category object is passed, determining the inheritance relationship between each of the second category object and the first category object; Determine the assets to be inherited of the first category of objects, and construct multiple asset processing records based on the inheritance relationship and the assets to be inherited; All the asset processing records are added to an asset processing list, and the asset processing records in the asset processing list are processed to complete the asset processing of the first category of objects.

2. The asset processing method according to claim 1, characterized in that: The step of verifying the identity of the first category object and at least one second category object comprises: Acquire first identity information of the first category object and second identity information of the second category object, wherein the first identity information and the second identity information at least include: certificate type, certificate number, and object name; Matching the first identity information with identity information in a preset database associated with the asset inheritance system, and determining that the identity authentication of the first category of objects is passed if the match is successful, wherein the preset database includes: the identity information of multiple objects; The second identity information is verified online, and if the verification passes, it is determined that the identity authentication of the second category object is passed.

3. The asset processing method according to claim 1, characterized in that: The step of determining the inheritance relationship between each of the second-category objects and the first-category objects comprises: determining the kinship relationship between the second category of objects and the first category of objects; In the case that there is a kinship relationship between the second category object and the first category object, determining the inheritance relationship based on the kinship relationship; In the case that there is no kinship relationship between the second category object and the first category object, certification materials are received, and in the case that the certification materials are reviewed and approved, the inheritance relationship is determined based on the certification materials.

4. The asset processing method according to claim 1, characterized in that: The step of constructing a plurality of asset processing records based on the inheritance relationship and the assets to be inherited includes: Based on the assets to be inherited, determining a cancellation account that needs to be cancelled, and based on the cancellation account, generating a cancellation account record, wherein the processing type included in the cancellation account record is a cancellation type; characterizing the cancelled account record as the asset handling record; Based on the inheritance relationship and the assets to be inherited, determining the processing type of each of the second-category objects and the asset allocation amount corresponding to the processing type; Based on the processing type of each second-category object and the asset allocation amount corresponding to the processing type, the asset processing record is generated, wherein the asset processing record at least includes: the processing type and processing information, and the processing information includes: a processing account and the asset allocation amount.

5. The asset processing method according to claim 1, characterized in that: Before adding all the asset processing records to the asset processing list, it also includes: A business processing module is integrated into the asset inheritance system, wherein the business processing module is used to process the asset processing record.

6. The asset processing method according to claim 1, characterized in that: After adding all the asset processing records to the asset processing list, it also includes: Based on the processing types contained in the asset processing records, the asset processing records in the asset processing list are sorted to obtain an asset processing sequence.

7. The asset processing method according to claim 6, characterized in that: The step of processing the asset processing record in the asset processing list includes: According to the asset processing sequence, calling the business processing module to process the asset processing record in the asset processing list, and recording the processing result; Deleting the completed asset processing record from the asset processing list; When the asset processing list is empty, all the processing results are displayed on the front-end interface of the asset inheritance system.

8. An asset processing device, characterized in that: Applied to asset inheritance systems, including: A verification unit, configured to verify the identities of a first-category object and at least one second-category object, wherein the first-category object is an object of inherited assets, and the second-category object is an object that inherits the assets of the first-category object; a determining unit, configured to determine, when the identity authentication of the first-category object and the second-category object is passed, an inheritance relationship between each of the second-category objects and the first-category object; A construction unit, configured to determine the assets to be inherited of the first type of objects, and to construct a plurality of asset processing records based on the inheritance relationship and the assets to be inherited; A processing unit is used to add all the asset processing records to an asset processing list, and process the asset processing records in the asset processing list to complete the asset processing of the first category of objects.

9. A computer program product, characterized in that It includes a non-volatile computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, it implements the asset processing method described in any one of claims 1 to 7.

10. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is 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 implement the asset processing method described in any one of claims 1 to 7.

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