Transaction processing method, apparatus and device, equity asset query method, apparatus and device, and equity asset processing method, apparatus and device

Abstract

Disclosed in the embodiments of the present description are a transaction processing method, apparatus and device, an equity asset query method, apparatus and device, and an equity asset processing method, apparatus and device. The transaction processing method in the solution comprises: after receiving transaction trigger information of a first user, a server determining a shared account of the first user on the basis of a first user identifier of the first user that is carried in the transaction trigger information; and then on the basis of at least some of the queried first equity assets associated with the shared account, processing a transaction corresponding to the transaction trigger information. The shared account is an account that two or more users including the first user all have permission to use; and the first equity assets are equity assets that the two or more users all have permission to use.

Description

Transaction processing and equity asset query and processing method, device and equipment

[0001] The present application claims priority to the Chinese patent application No. 202411103745.0, filed on August 12, 2024, and entitled "Transaction processing and equity asset query and processing method, device and equipment", the whole content of which is incorporated herein by reference. TECHNICAL FIELD

[0002] The present specification relates to the field of shared payment technology, in particular to a transaction processing method, device and equipment, an equity asset query method, device and equipment, and an equity asset processing method, device and equipment. BACKGROUND

[0003] At present, when shopping offline, a user can transfer the entity equity assets (such as entity cash vouchers, entity discount vouchers, entity full-reduction vouchers, etc.) that he / she has received to his / her relatives or friends, and the transferred party can use these entity equity assets for shopping to obtain shopping discounts. However, the equity assets (such as payment red packets, commodity full-reduction vouchers, and merchant coupons, etc.) that the user has obtained online can only be used through his / her own account, and cannot be shared for use by others. If others want to use these equity assets, they also need to use their own accounts to obtain their own online equity assets. This results in poor convenience for the user to use online equity assets.

[0004] Therefore, how to improve the convenience for the user to use online equity assets has become a technical problem to be solved. SUMMARY

[0005] The transaction processing method, device and equipment, the equity asset query method, device and equipment, and the equity asset processing method, device and equipment provided by the embodiments of the present specification can realize the sharing of online equity assets among users, and are beneficial to improving the convenience for the user to use online equity assets.

[0006] To solve the above technical problem, the embodiments of the present specification provide a transaction processing method, comprising:

[0007] receiving transaction trigger information of a first user; the transaction trigger information carries a first user identifier of the first user;

[0008] determining a shared account of the first user based on the first user identifier; the shared account is an account to which two or more users including the first user have a use right;

[0009] query a first equity asset associated with the shared account; the first equity asset is an equity asset that the two or more users have a use right of;

[0010] process the transaction triggered by the transaction trigger information based on at least part of the first equity asset.

[0011] The embodiments of the present specification further provide an equity asset query method, comprising:

[0012] obtain a first query request sent by a user terminal device; the first query request is used to query an equity asset that a first user can use; the first query request carries a first user identifier of the first user;

[0013] determine a shared account of the first user based on the first user identifier; the shared account is an account that two or more users including the first user have a use right of;

[0014] query a first equity asset associated with the shared account; the first equity asset is an equity asset that the two or more users have a use right of;

[0015] send information representing the first equity asset to the user terminal device for display.

[0016] The embodiments of the present specification further provide an equity asset processing method, comprising:

[0017] determine a first equity asset that can be distributed to a shared account based on an existing asset in the shared account; the shared account is an account that two or more users have a use right of; the first equity asset is an equity asset that the two or more users have a use right of;

[0018] store a shared account identifier representing the shared account in association with the first equity asset; the first equity asset is used to process a transaction triggered by any user of the two or more users based on an association relationship between the shared account identifier and the first equity asset.

[0019] The embodiments of the present specification further provide another equity asset processing method, comprising:

[0020] obtain a shared operation of a second user on a specified equity asset held by the second user; the shared operation is used to indicate sharing of the specified equity asset to a shared account; the shared account is an account that two or more users have a use right of; the two or more users include the second user;

[0021] In response to the sharing operation, the specified right asset is stored in association with a shared account identifier used to represent the shared account; the specified right asset is used to process a transaction triggered by any user of the two or more users based on the association between the shared account identifier and the specified right asset.

[0022] The embodiments of the present specification further provide a transaction processing apparatus, comprising:

[0023] The transaction trigger information receiving module is configured to receive transaction trigger information of a first user; the transaction trigger information carries a first user identifier of the first user;

[0024] The shared account determining module is configured to determine a shared account of the first user based on the first user identifier; the shared account is an account to which two or more users including the first user have usage authority;

[0025] The first asset querying module is configured to query a first right asset associated with the shared account; the first right asset is a right asset to which the two or more users have usage authority;

[0026] The transaction processing module is configured to process a transaction corresponding to the transaction trigger information based on at least part of the first right asset.

[0027] The embodiments of the present specification further provide a right asset querying apparatus, comprising:

[0028] The query request receiving module is configured to obtain a first query request sent by a user terminal device; the first query request is used to query a right asset available to a first user; the first query request carries a first user identifier of the first user;

[0029] The shared account determining module is configured to determine a shared account of the first user based on the first user identifier; the shared account is an account to which two or more users including the first user have usage authority;

[0030] The first asset querying module is configured to query a first right asset associated with the shared account; the first right asset is a right asset to which the two or more users have usage authority;

[0031] The information sending module is configured to send information representing the first right asset to the user terminal device for display.

[0032] The embodiments of the present specification further provide a right asset processing apparatus, comprising:

[0033] The equity asset determining module is configured to determine a first equity asset distributable to the shared account based on existing assets in the shared account; the shared account is an account to which two or more users have access; and the first equity asset is an equity asset to which the two or more users have access.

[0034] The equity asset storage module is configured to store, in association, a shared account identifier representing the shared account and the first equity asset; and the first equity asset is used to process a transaction triggered by any of the two or more users based on the association between the shared account identifier and the first equity asset.

[0035] The embodiments of the present disclosure further provide another equity asset processing apparatus, which comprises:

[0036] The equity asset sharing module is configured to obtain a sharing operation of a second user on a specified equity asset held by the second user; the sharing operation is used to indicate sharing of the specified equity asset to a shared account; the shared account is an account to which two or more users have access; and the two or more users include the second user.

[0037] The equity asset storage module is configured to store, in association, the specified equity asset and a shared account identifier representing the shared account in response to the sharing operation; and the specified equity asset is used to process a transaction triggered by any of the two or more users based on the association between the shared account identifier and the specified equity asset.

[0038] The embodiments of the present disclosure further provide a transaction processing device, which comprises:

[0039] at least one processor; and

[0040] a memory in communication connection with the at least one processor; wherein

[0041] the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to:

[0042] receive transaction trigger information of a first user; the transaction trigger information carries a first user identifier of the first user;

[0043] determine a shared account of the first user based on the first user identifier; the shared account is an account to which two or more users including the first user have access;

[0044] query a first interest asset associated with the shared account; the first interest asset is an interest asset that the two or more users have a use right of;

[0045] process the transaction triggered by the transaction trigger information based on at least part of the first interest asset.

[0046] Embodiments of the present specification also provide an interest asset query device, comprising:

[0047] at least one processor; and

[0048] a memory in communication connection with the at least one processor; wherein

[0049] the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to:

[0050] obtain a first query request sent by a user terminal device; the first query request is used to query interest assets available to a first user; the first query request carries a first user identifier of the first user;

[0051] determine a shared account of the first user based on the first user identifier; the shared account is an account that two or more users including the first user have a use right of;

[0052] query a first interest asset associated with the shared account; the first interest asset is an interest asset that the two or more users have a use right of;

[0053] send information representing the first interest asset to the user terminal device for display.

[0054] Embodiments of the present specification also provide an interest asset processing device, comprising:

[0055] at least one processor; and

[0056] a memory in communication connection with the at least one processor; wherein

[0057] the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to:

[0058] determine a first interest asset distributable to a shared account based on existing assets in the shared account; the shared account is an account that two or more users have a use right of; the first interest asset is an interest asset that the two or more users have a use right of;

[0059] store a shared account identifier used for representing the shared account in association with the first equity asset; the first equity asset is used to process a transaction triggered by any user in the two or more users based on the association between the shared account identifier and the first equity asset.

[0060] The embodiments of the present specification further provide another equity asset processing device, comprising:

[0061] at least one processor; and

[0062] a memory in communication connection with the at least one processor; wherein

[0063] the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to:

[0064] obtain a sharing operation of a second user for a specified equity asset held by the second user; the sharing operation is used to indicate sharing the specified equity asset to a shared account; the shared account is an account to which two or more users have use authority; the second user is included in the two or more users;

[0065] in response to the sharing operation, store the specified equity asset in association with a shared account identifier used for representing the shared account; the specified equity asset is used to process a transaction triggered by any user in the two or more users based on the association between the shared account identifier and the specified equity asset.

[0066] The at least one embodiment provided in the specification can achieve the following beneficial effects:

[0067] In the embodiments of the present specification, a user can pre-establish a binding relationship between his / her user identifier and one or more shared accounts, wherein the shared account is an account to which two or more users including the user have use authority. Thus, when the user needs to make a transaction payment, the server can query the shared account of the user based on the user identifier of the user, and then find the shared equity assets associated with the shared account of the user, and process the transaction payment of the user based on the shared equity assets. Thus, the online sharing and use of equity assets among users are realized, which is conducive to improving the convenience of users using online equity assets. BRIEF DESCRIPTION OF DRAWINGS

[0068] In order to more clearly illustrate the technical solutions in the embodiments of the present specification or the prior art, the drawings needed to be used in the embodiments or prior art description will be briefly introduced. Obviously, the drawings in the following description are only some embodiments described in the present application, and for those skilled in the art, other drawings can also be obtained without creative labor.

[0069] FIG. 1 is a schematic diagram of an application scenario of a transaction processing method according to an embodiment of the present specification;

[0070] FIG. 2 is a flowchart of a transaction processing method according to an embodiment of the present specification;

[0071] FIG. 3 is a flowchart of an equity asset query method according to an embodiment of the present specification;

[0072] FIG. 4 is a flowchart of an equity asset processing method according to an embodiment of the present specification;

[0073] FIG. 5 is a flowchart of another equity asset processing method according to an embodiment of the present specification;

[0074] FIG. 6 is a swim lane diagram of an equity asset generation, viewing and use method according to an embodiment of the present specification;

[0075] FIG. 7 is a structural schematic diagram of a transaction processing apparatus according to an embodiment of the present specification corresponding to FIG. 2;

[0076] FIG. 8 is a structural schematic diagram of an equity asset query apparatus according to an embodiment of the present specification corresponding to FIG. 3;

[0077] FIG. 9 is a structural schematic diagram of an equity asset processing apparatus according to an embodiment of the present specification corresponding to FIG. 4;

[0078] FIG. 10 is a structural schematic diagram of another equity asset processing apparatus according to an embodiment of the present specification corresponding to FIG. 5;

[0079] FIG. 11 is a structural schematic diagram of a transaction processing device according to an embodiment of the present specification corresponding to FIG. 2;

[0080] FIG. 12 is a structural schematic diagram of an equity asset query device according to an embodiment of the present specification corresponding to FIG. 3;

[0081] FIG. 13 is a structural schematic diagram of an equity asset processing device according to an embodiment of the present specification corresponding to FIG. 4;

[0082] FIG. 14 is a structural schematic diagram of another equity asset processing device according to an embodiment of the present specification corresponding to FIG. 5. DETAILED DESCRIPTION

[0083] In order to make the purpose, technical solutions and advantages of one or more embodiments of the present specification clearer, the technical solutions of one or more embodiments of the present specification will be described clearly and completely below in conjunction with specific embodiments of the present specification and corresponding drawings. Obviously, the described embodiments are only part of the embodiments of the present specification, rather than all the embodiments. Based on the embodiments in the present specification, all other embodiments obtained by a person of ordinary skill in the art without creative labor fall within the protection scope of one or more embodiments of the present specification.

[0084] It should be understood that although the terms first, second, etc. can be used in one or more embodiments of the present application to describe various information, these information should not be limited to these terms. These terms are only used to distinguish information of the same type from each other. For example, without departing from the scope of one or more embodiments of the present application, first can also be referred to as second, and similarly, second can also be referred to as first. Depending on the context, the word "if" as used herein can be interpreted as "when" or "upon determining" or "in response to determining".

[0085] It should be noted that the user information (including but not limited to user equipment information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) involved in the present application are all information and data authorized by the user or authorized by all parties, and the collection, use and processing of related data need to comply with relevant laws, regulations and standards in relevant regions, and provide corresponding operation portal for user to choose authorization or refusal.

[0086] In the prior art, users can share online funds through a shared wallet, such as: through the small bag of Alipay to realize online fund sharing with others. However, the user's online benefits such as payment red packets, commodity full-reduction coupons, and merchant coupons cannot be shared with others at present. After the user receives the benefits online, these benefits can only be used when the user's own account is redeemed, and cannot be shared with others like physical coupons. Thus, the user's convenience in using online benefits is poor.

[0087] In order to solve the defects in the prior art, the present scheme provides the following embodiments.

[0088] FIG. 1 is a schematic diagram of an application scenario of a transaction processing method provided by an embodiment of the present specification.

[0089] As shown in FIG. 1, after the server 101 receives the transaction trigger information sent by the first user through the terminal device 102, the server 101 can determine the shared account of the first user based on the first user identifier, where the shared account is an account that two or more users including the first user have the use right.

[0090] In the method in FIG. 1, the user can pre-establish a binding relationship between the user identifier of the user and one or more shared accounts, where the shared account is an account that two or more users including the user have the use right. Thus, when the user needs to make a transaction payment, the server can query the shared account of the user based on the user identifier of the user, and then query the shared equity assets associated with the shared account of the user, and process the transaction corresponding to the transaction trigger information based on at least part of the shared equity assets. Thus, the sharing use of the online equity assets among users is realized, and the convenience of the user in using the online equity assets is improved.

[0091] FIG. 2 is a flowchart of a transaction processing method provided by an embodiment of the present specification. From the hardware point of view, the execution subject of the flowchart can be a server. From the program point of view, the execution subject of the flowchart can be an application program loaded on the server. As shown in FIG. 2, the flowchart can include the following steps:

[0092] Step 202: receiving transaction trigger information of a first user; the transaction trigger information carries a first user identifier of the first user.

[0093] In the embodiment of the present specification, the first user can be a user who pre-establishes a binding relationship between the user identifier of the user and one or more shared accounts. The first user identifier of the first user can be a user identification (UID) of the first user, can be an account number of the first user, or can be other identification information that can be used to uniquely identify the first user, and no specific limitation is made to this.

[0094] In actual application, the first user can be a user who needs to make a transaction payment. When the first user needs to make a transaction payment, a transaction triggering operation can be performed on a terminal device carried by the user. After the terminal device of the user receives the transaction triggering operation of the user, the terminal device can send transaction triggering information carrying a user identifier to the server. After the server receives the transaction triggering information, one or more shared accounts having a binding relationship with the first user can be queried through the user identifier information carried in the transaction triggering information. The transaction triggering operation includes but is not limited to: the user clicking "make payment", the user clicking "purchase", the user scanning a merchant's collection two-dimensional code, and the merchant's collection device scanning the payment code presented by the user, etc.

[0095] Step 204: determining a shared account of the first user based on the first user identifier; the shared account is an account in which two or more users including the first user have use authority.

[0096] In actual application, the association relationship between the shared account of the first user and the first user identifier of the first user can be pre-stored in the server. Specifically, the server can include a payment system, a shared account management system, and an interest asset management system. At least two user members can be included in a shared account. When the first user establishes a new shared account with other users, the shared account management system in the server can store information related to the shared account (such as: shared account ID, number of users bound to the shared account, UID of each user bound to the shared account, etc.) in the server.

[0097] When the payment system receives the transaction triggering information sent by the user terminal, the user identifier of the user can be determined therefrom. The payment system can send the user identifier to the shared account management system, and the shared account management system can determine the shared account identifier of the user based on the user identifier.

[0098] Step 206: querying a first interest asset associated with the shared account; the first interest asset is an interest asset in which the two or more users have use authority.

[0099] In the embodiments of the present application, the first interest asset can refer to a shared interest asset in which all member users in the shared account have use authority. The first interest asset is different from the online fund asset, and is a preferential interest that can be used by the user when making a payment. The first interest asset can include but is not limited to: payment red packets, commodity full-reduction coupons, commodity discount coupons, and merchant coupons, etc. For example, user A and user B are both member users in shared account M, and the commodity full-reduction coupon a and the payment red packet b in shared account M are jointly enjoyed by user A and user B, that is, user A and user B both have use authority for the commodity full-reduction coupon a and the payment red packet b.

[0100] Specifically, the first equity asset associated with the shared account can be queried from the equity asset management system. The equity asset management system can pre-store the association between the shared account and the shared equity asset (the first equity asset) in the shared account, and the specific content of the shared equity asset in the shared account.

[0101] In the embodiments of the present disclosure, by establishing the association between the shared account and the first equity asset, and the association between the shared account and the member user, the association between the first equity asset and multiple users can be avoided, and after the first equity asset changes, the management and update can be more convenient, and the management efficiency can be improved.

[0102] Step 208: processing the transaction corresponding to the transaction trigger information based on at least part of the first equity asset.

[0103] In actual application, after the equity asset management system queries the first equity asset associated with the shared account, the first equity asset information can be sent to the payment system. The payment system can process the transaction required by the user based on at least part of the first equity asset. The at least part of the first equity asset can refer to using part or all of the first equity asset. When the first equity asset includes multiple equity assets, the payment system can automatically select the equity asset with the largest preferential strength for the user, or the payment system can send multiple equity assets for the user to select to the user terminal, and the user can select the equity asset to be used. This is not specifically limited.

[0104] In actual application, after the payment system completes the transaction corresponding to the transaction trigger information based on at least part of the first equity asset, the at least part of the equity asset can be cancelled, and the used equity asset can be removed from the first equity asset associated with the shared account. In addition, the payment system can check the use period of the equity asset before processing the transaction based on the equity asset, and the equity asset exceeding the use period can be refused to use. The equity asset management system can also check the use period of the equity asset periodically, and the equity asset exceeding the use period can be deleted.

[0105] In the method in FIG. 2, a user can bind his / her user identifier to one or more shared accounts in advance, where a shared account is an account that two or more users including the user have the use right.

[0106] Based on the method in FIG. 2, the present specification embodiments further provide some specific implementation solutions of the method, which are described below.

[0107] In actual application, in the equity asset management system, there are two types of assets, one type of asset can correspond to the UID of a user, which is a personal equity asset, and the other type of asset corresponds to the shared account ID, which is a shared equity asset. Both types of assets can be used when a user makes a payment.

[0108] Based on this, in the method in FIG. 2, before processing the transaction corresponding to the transaction trigger information based on at least part of the first equity assets in step 208, the following step can be further included:

[0109] querying a second equity asset associated with the first user based on the first user identifier, where the second equity asset is an equity asset owned by the first user.

[0110] Correspondingly, the processing of the transaction corresponding to the transaction trigger information based on at least part of the first equity assets can specifically include:

[0111] processing the transaction corresponding to the transaction trigger information based on at least part of the first equity assets and the second equity assets.

[0112] In the present specification embodiments, the second equity asset can be an equity asset owned by the first user, such as a payment red packet, a commodity full-reduction coupon, a commodity discount coupon, and a merchant coupon in a virtual card package in the first user's account. The second equity asset is also different from an online fund asset, and is also a preferential equity that can be used by the user when making a payment.

[0113] In actual application, the second equity asset associated with the first user can be queried from the equity asset management system. The equity asset management system can pre-store the association relationship between the first user and the second equity asset and the specific content of the second equity asset.

[0114] In actual application, the equity asset can be determined as a personal equity asset or a shared equity asset according to the user UID or the shared account ID corresponding to the asset. Alternatively, the attribute of the equity asset in the equity asset management system can be marked by another attribute identifier. For example, at least one of the shared equity asset and the personal equity asset can be marked.

[0115] In the embodiments of the present disclosure, the shared equity asset (the first equity asset) and the personal equity asset (the second equity asset) of the user can include a large number of available equity assets, so that an equity asset with a larger preferential intensity can be selected therefrom, or a plurality of equity assets can be selected therefrom for the user to select.

[0116] Based on this, the transaction corresponding to the transaction trigger information can be processed based on at least part of the first equity asset and the second equity asset, and specifically can include:

[0117] According to a preset equity screening rule, at least one equity asset is selected from the first equity asset and the second equity asset;

[0118] Based on the at least one equity asset, the transaction corresponding to the transaction trigger information is processed.

[0119] In the embodiments of the present disclosure, the preset equity screening rule can include but is not limited to: sorting and screening according to the equity amount, sorting and screening according to the equity expiration date (for example, the user can be preferentially provided with an equity with a close expiration date), screening according to the user's equity preference type (for example, if the user prefers to use a payment red envelope for payment, the user can be preferentially provided with a payment red envelope), and screening an equity that meets a preset attribute condition according to the attribute of the payment order (for example, a merchant identifier, a commodity type, etc.).

[0120] In actual application, the screening conditions can also be used comprehensively. Specifically, for the equity assets to be screened, first, availability screening can be performed, for example, the available equity assets that meet the preset attribute conditions can be screened out according to the attributes of the payment order (such as acquirer identifier, commodity type, etc.); then, the available equity assets screened out in the previous step can be subjected to preferential screening, for example, the equity assets can be screened out from the equity assets by comprehensively considering the equity amount, the equity expiration date, the equity preference type, and the like. As an example, for n available equity assets, each of the equity assets can be scored as A1, A2, …, An according to the equity amount, scored as B1, B2, …, Bn according to the equity expiration date, and scored as C1, C2, …, Cn according to the user's equity preference type, and then, the comprehensive score Pi of the i-th equity asset in the n equity assets can be calculated as Pi = a*Ai + b*Bi + c*Ci by combining the preset weighting coefficients a, b, and c corresponding to various screening rules, and then, the equity assets with relatively high scores can be selected from the n equity assets according to the comprehensive scores P1, P2, …, Pn, for processing the transaction corresponding to the transaction trigger information.

[0121] The equity asset management system can screen one equity asset for the user by default, for the user to use for this payment. The equity asset management system can also screen multiple equity assets and send them to the user terminal for the user to select. After the user selects, the payment system can process the payment based on the equity asset selected by the user.

[0122] In actual application, the equity assets available to the user when paying can be multiple or single. When the equity assets available to the user when paying are single, the equity asset management system can sort all the equity assets in the first equity assets and the second equity assets according to the scores of the screening conditions, determine the first-order equity asset, and provide it to the user for payment.

[0123] Based on this, the at least one equity asset is screened from the first equity assets and the second equity assets according to the preset equity screening rule, and specifically can include:

[0124] The target equity asset is screened from the first equity assets and the second equity assets according to the preset equity screening rule; the target equity asset belongs to the first equity assets or the second equity assets.

[0125] Correspondingly, the transaction corresponding to the transaction trigger information is processed based on the at least one equity asset, and specifically can include:

[0126] process the transaction corresponding to the transaction triggering information based on the target equity asset.

[0127] In the embodiments of the present disclosure, the target equity asset can be a preferred equity asset provided for the user from a plurality of equity assets contained in the first equity asset and the second equity asset. Specifically, the plurality of equity assets can be scored according to a preset equity screening rule, and the equity asset with the highest score can be determined as the target equity asset, or the plurality of equity assets can be sorted according to the preset equity screening rule, and the equity asset in the first order after sorting can be determined as the target equity asset, and no specific limitation is made thereto.

[0128] In the embodiments of the present disclosure, the shared equity asset (the first equity asset) and the personal equity asset (the second equity asset) owned by the user can be compared and screened based on the preset equity screening rule, and the preferred equity asset can be selected for the user to use, so that the user can be provided with a preferred payment benefit, and the user's satisfaction can be improved.

[0129] In actual application, the shared equity asset (the first equity asset) and the personal equity asset (the second equity asset) of the user can also be allowed to be used together in some payment scenarios.

[0130] Therefore, the at least one equity asset selected from the first equity asset and the second equity asset according to the preset equity screening rule can specifically include:

[0131] The first target equity asset is selected from the first equity asset according to a preset first equity screening rule.

[0132] The second target equity asset is selected from the second equity asset according to a preset second equity screening rule.

[0133] Correspondingly, the transaction corresponding to the transaction triggering information can be processed based on the at least one equity asset, and specifically can include:

[0134] The first target equity asset and the second target equity asset are used together to process the transaction corresponding to the transaction triggering information.

[0135] In the embodiments of the present application, the preset first benefit screening rule and the preset second benefit screening rule can include, but are not limited to, sorting and screening according to the amount of benefits, sorting and screening according to the benefit expiration date (for example, benefits with an expiration date close to the current date can be provided to the user first), screening according to the user's favorite benefit type (for example, if the user prefers to use payment red envelopes for payment, payment red envelopes can be provided to the user first), and screening benefits that meet the preset attribute conditions according to the attributes of the payment order (for example, acquirer identifier, product type, etc.).

[0136] In the embodiments of the present application, based on the preset first benefit screening rule, one benefit asset with the first sorting order can be screened from the plurality of benefit assets contained in the first benefit asset as the first target benefit asset. In actual application, if the number of benefit assets contained in the first benefit asset is one, the only benefit asset contained in the first benefit asset can also be directly selected as the first target benefit asset without screening.

[0137] In the embodiments of the present application, based on the preset second benefit screening rule, one benefit asset with the first sorting order can be screened from the plurality of benefit assets contained in the second benefit asset as the second target benefit asset. In actual application, if the number of benefit assets contained in the second benefit asset is one, the only benefit asset contained in the second benefit asset can also be directly selected as the second target benefit asset without screening.

[0138] In actual application, at least one of the shared benefit assets and the personal benefit assets in the benefit asset management system can carry an attribute identifier for marking the attribute of the benefit asset, so that the attribute identifier can be used as a basis to determine the available benefit asset when performing the payment process in the transaction payment link. For example, the shared benefit assets and the personal benefit assets can be used together.

[0139] In actual application, the first benefit asset in the shared account of the user can be issued by the shared account management system to the shared account according to the online assets stored in the shared account by the user.

[0140] Based on this, in the method of FIG. 2, before querying the first benefit asset associated with the shared account in step 206, the method can further include:

[0141] Based on the existing assets in the shared account, determining the first benefit asset that can be distributed to the shared account;

[0142] Storing the shared account identifier representing the shared account and the first benefit asset in association.

[0143] In the embodiments of the present application, the existing assets in the shared account can include, but are not limited to, the fund assets of the member users in the shared account in the shared account, the financial assets of the member users in the shared account in the shared account, the investment assets of the member users in the shared account in the shared account, and the like.

[0144] In actual applications, the shared account management system can determine the derivative assets that can be distributed to the shared account according to the existing assets in the shared account, and convert the derivative assets into the first equity assets according to the preset equity asset determination rules. The derivative assets can include, but are not limited to, deposit interest, investment income, and the like. Of course, the shared account management system can also directly determine the first equity assets based on the existing assets according to the preset rules, without conversion through the derivative assets. In this case, the derivative assets can also be generated synchronously, which can be superimposed on the existing assets as part of the existing assets. This is not limited in particular.

[0145] In the embodiments of the present application, after the shared account management system determines the first equity assets that can be distributed to the shared account, the shared account identifier of the shared account and the first equity assets can be sent to the equity asset management system, and the equity asset management system can store the shared account identifier for representing the shared account and the first equity assets in association. Specifically, the equity asset management system can generate first association relationship data for representing the association relationship between the shared account and the first equity assets.

[0146] In actual applications, if the shared account management system needs to entrust the existing assets in the shared account to a third-party financial institution, the authorization of the user is also required.

[0147] Based on this, before the determination of the first equity assets that can be distributed to the shared account based on the existing assets in the shared account, the following steps can also be included:

[0148] Obtaining the first authorization information of at least part of the users in the two or more users; the first authorization information is used to indicate that the at least part of the users agree to distribute equity assets to the shared account based on the existing assets.

[0149] In the embodiments of the present application, after the authorization of at least part of the member users of the shared account, the shared account management system can entrust the existing assets in the shared account to a third-party financial institution (such as a bank, a securities company, and the like), thereby obtaining the income based on the existing assets and distributing the equity assets to the shared account.

[0150] In actual applications, the first equity assets in the shared account can also be the personal equity assets of the member users in the shared account shared into the shared account by the member users in the shared account.

[0151] Based on this, before the first interest asset associated with the shared account is queried in step 206 of the method in FIG. 2, the method can further include:

[0152] obtaining a sharing operation of the second user for a specified interest asset held by the second user; the sharing operation is used to indicate sharing the specified interest asset to the shared account;

[0153] in response to the sharing operation, storing the specified interest asset in association with a shared account identifier used to represent the shared account.

[0154] In embodiments of the present disclosure, the second user and the first user can be the same user or can not be the same user. If the second user and the first user are not the same user, the second user and the first user are both member users of the shared account, that is, the second user and the first user both have a binding relationship with the shared account.

[0155] In actual applications, the sharing operation of the second user for the specified interest asset held by the second user can be executed by the shared account management system or by the personal account management system of the user (for example, the user performs an operation in a personal card package), and no specific limitation is made. Taking the shared account management system obtaining the sharing operation of the second user for the specified interest asset held by the second user as an example, after the shared account management system obtains the sharing operation of the second user for the specified interest asset held by the second user, the shared account management system can request the interest asset management system to store the specified interest asset in association with the shared account identifier used to represent the shared account, thereby obtaining second association relationship data used to represent the association relationship between the shared account and the specified interest asset.

[0156] In actual applications, the shared account identifier can be established in advance. When it is necessary to store the specified interest asset in association with the shared account identifier used to represent the shared account, a specified interest asset can be added in correspondence with the shared account identifier. If the shared account identifier is not established in advance (for example, the shared account has no interest asset before), the shared account identifier can be established first, and then the specified interest asset is stored in association with the established shared account identifier.

[0157] Based on the scheme of the embodiments of the present specification, when a user triggers a transaction, the server can query all the interest assets available to the user, which can include not only the second interest assets that the user has the use right of, but also the first interest assets that the user has the use right of together with others, and then the payment of the transaction triggered by the user can be processed based on the first interest assets and the second interest assets. Therefore, on the one hand, the convenience of using interest assets by the user is improved, and the user does not have to be limited to using the interest assets only when the user collects the interest; on the other hand, the use rate of the collected interest is improved, and resource waste is avoided to some extent.

[0158] FIG. 3 is a flow diagram of an interest asset query method provided by an embodiment of the present specification. From the hardware point of view, the execution subject of the flow can be a server. From the program point of view, the execution subject of the flow can be an application program loaded on the server. As shown in FIG. 3, the flow can include the following steps:

[0159] Step 302: obtaining a first query request sent by a user terminal device; the first query request is used to query interest assets available to a first user; the first query request carries a first user identifier of the first user.

[0160] Step 304: determining a shared account of the first user based on the first user identifier; the shared account is an account that two or more users including the first user have the use right of.

[0161] Step 306: querying first interest assets associated with the shared account; the first interest assets are interest assets that the two or more users have the use right of.

[0162] Step 308: sending information representing the first interest assets to the user terminal device for display.

[0163] In the embodiments of the present specification, the first user, the first user identifier, the shared account, and the first interest assets can have the same meaning as the words mentioned in the embodiments of the method of FIG. 2, and therefore, will not be repeated here.

[0164] In the embodiments of the present disclosure, the first query request can be generated in response to a viewing operation of the first user on the interest account of the first user. When the user wants to view the interest assets that can be used by the user, the user can open the interest account of the user, click a control such as "view interest", and then the user terminal device can send the first query request to the server. After the server receives the first query request, the shared account management system at the server can determine the shared account of the user based on the user identifier carried in the first query request. After the shared account management system determines the shared account, the shared account management system can request the interest asset management system to query the first interest asset associated with the shared account. After the interest asset management system queries the first interest asset, the interest asset management system can send the information of the first interest asset to the user terminal device for display.

[0165] In the method in FIG. 3, the user can bind the user identifier of the user to one or more shared accounts in advance, where the shared account is an account that two or more users including the user have the use right. Therefore, when the user needs to query the interest asset, the server can query the shared account of the user based on the user identifier of the user, and then query the shared interest asset associated with the shared account of the user, and send the shared interest asset to the user terminal of the user. Therefore, the user can accurately and conveniently obtain the information of the shared interest asset that can be used by the user through the query.

[0166] Based on the method in FIG. 3, the embodiments of the present disclosure further provide some specific implementation schemes of the method, which are described below.

[0167] In actual application, the user can not only query the shared interest asset of the user, but also query the personal interest asset of the user.

[0168] Based on this, in the method in FIG. 3, before the information representing the first interest asset is sent to the user terminal device for display in step 308, the method can further include:

[0169] querying, based on the first user identifier, a second interest asset associated with the first user, where the second interest asset is an interest asset owned by the first user.

[0170] Correspondingly, the sending of the information representing the first interest asset to the user terminal device for display can specifically include:

[0171] sending, to the user terminal device, the information representing the first interest asset and the information representing the second interest asset for display.

[0172] Optionally, the method in FIG. 3 can further include:

[0173] obtaining a second query request sent by a user terminal device; the second query request is used to query available interest assets in the shared account; the second query request carries a shared account identifier;

[0174] querying the first interest assets associated with the shared account based on the shared account identifier;

[0175] sending information representing the first interest assets to the user terminal device for display.

[0176] In the embodiments of the present application, when a user wants to view the interest assets that he / she can use, the user terminal device can be triggered to initiate a query request to the server, and the server can query the two types of interest assets, i.e., the shared interest assets and the personal interest assets, in two paths and feed back to the user terminal device after aggregation. Among the two paths, one path is: based on the user identifier, querying the second interest assets associated with the user from the interest asset management system; the other path is: based on the shared account identifier, querying the first interest assets associated with the shared account from the interest asset management system.

[0177] In actual application, the first interest assets can belong to the shared interest assets, and the second interest assets can belong to the personal interest assets. In the interest asset management system, at least one of the shared interest assets and the personal interest assets can carry an attribute identifier used to mark the attribute of the interest assets, so in the display process, the interest assets with different attributes can also be displayed differently according to the attribute identifiers corresponding to the interest assets, so as to facilitate the user to identify the interest assets with different attributes.

[0178] In actual application, after the user terminal device receives the information representing the first interest assets and the information representing the second interest assets fed back by the server, the interest assets can be sorted according to a preset sorting rule before being displayed to the user, or the server can sort the interest assets according to a preset sorting rule before sending them to the user terminal device, which is not limited here.

[0179] In actual application, the user can query the shared interest assets, or query the personal interest assets, or query both the shared interest assets and the personal interest assets that he / she can dispose. Based on the scheme of the embodiments of the present application, when the user views the interest assets that he / she can use, the server can query the interest assets based on the two query paths, so that the user can see both the personal interest assets that he / she has the use right and the shared interest assets that he / she has the use right with others.

[0180] Optionally, before the step of querying the first interest asset associated with the shared account in the method of FIG. 3, the method can further include:

[0181] determining the first interest asset distributable to the shared account based on the existing asset in the shared account;

[0182] storing the shared account identifier for representing the shared account in association with the first interest asset.

[0183] In the embodiments of the present disclosure, the existing asset in the shared account, the shared account, the first interest asset, the shared account identifier, and the association storage can have the same meaning as the terms mentioned in the embodiments of the method of FIG. 2. Since the foregoing has described in detail the process of determining the first interest asset based on the existing asset in the shared account and the association storage, the description will not be repeated here.

[0184] Optionally, before the step of determining the first interest asset distributable to the shared account based on the existing asset in the shared account, the method can further include:

[0185] obtaining first authorization information of at least part of the two or more users; the first authorization information is used to indicate that the at least part of the users agree to distribute interest assets to the shared account based on the existing asset.

[0186] In the embodiments of the present disclosure, the first authorization information, the existing asset, the shared account, and the interest asset can have the same meaning as the terms mentioned in the embodiments of the method of FIG. 2. Since the foregoing has described in detail the process of obtaining the first authorization information of at least part of the two or more users, the description will not be repeated here.

[0187] Optionally, before the step of querying the first interest asset associated with the shared account in the method of FIG. 3, the method can further include:

[0188] obtaining a sharing operation of a second user for a specified interest asset held by the second user; the sharing operation is used to indicate sharing the specified interest asset to the shared account;

[0189] in response to the sharing operation, storing the specified interest asset in association with a shared account identifier for representing the shared account.

[0190] In the embodiments of the present specification, the second user, the specified equity asset, the sharing operation, the shared account identifier, and the association storage can have the same meanings as the terms mentioned in the embodiments of the method in FIG. 2. Since the foregoing has described in detail the process of obtaining the sharing operation of the second user for the specified equity asset owned by the second user and the association storage, further elaboration is not repeated here.

[0191] FIG. 4 is a flowchart of an equity asset processing method according to an embodiment of the present specification. From the hardware perspective, the execution subject of the flowchart can be a server. From the program perspective, the execution subject of the flowchart can be an application program loaded on the server. As shown in FIG. 4, the flowchart can include the following steps:

[0192] Step 402: determining a first equity asset distributable to a shared account based on existing assets in the shared account; the shared account is an account that two or more users have the use right; the first equity asset is an equity asset that the two or more users have the use right.

[0193] Step 404: associating a shared account identifier used to represent the shared account with the first equity asset; the equity asset associated with the shared account identifier can be used by any user who has the use right of the shared account; the first equity asset is used to process a transaction triggered by any user of the two or more users based on the association between the shared account identifier and the first equity asset.

[0194] In the embodiments of the present specification, the existing assets in the shared account, the shared account, the first equity asset, the shared account identifier, and the association storage can have the same meanings as the terms mentioned in the embodiments of the method in FIG. 2. Since the foregoing has described in detail the process of determining the first equity asset based on the existing assets in the shared account and the association storage, further elaboration is not repeated here.

[0195] In the method in FIG. 4, a user can bind his / her user identifier with one or more shared accounts in advance, wherein the shared account is an account that two or more users including the user have the use right. Thus, when the user needs to make a transaction payment, the server can query the shared account of the user based on the user identifier of the user, and then find the shared equity assets associated with the shared account of the user, and process the transaction payment of the user based on the shared equity assets. Thus, the online sharing use of equity assets among users is realized, which is conducive to improving the convenience of the user in using online equity assets.

[0196] Based on the method in FIG. 4, the present specification further provides some specific implementation schemes of the method, which are described below.

[0197] Optionally, before determining the first interest asset distributable to the shared account based on the existing asset in the shared account in step 402 of the method in FIG. 4, the method can further include:

[0198] obtaining first authorization information of at least part of the two or more users; the first authorization information is used to indicate that the at least part of the users agree to distribute the interest asset to the shared account based on the existing asset.

[0199] In the embodiments of the present disclosure, the first authorization information, the existing asset, the shared account, and the interest asset can have the same meaning as the terms mentioned in the embodiments of the method in FIG. 2. Since the process of obtaining the first authorization information of at least part of the two or more users has been described in detail, it will not be repeated here.

[0200] FIG. 5 is a flowchart of another interest asset processing method provided by the embodiments of the present disclosure. From the hardware point of view, the execution subject of the flowchart can be a server. From the program point of view, the execution subject of the flowchart can be an application program loaded on the server. As shown in FIG. 5, the flowchart can include the following steps:

[0201] Step 502: obtaining a sharing operation of a second user for a specified interest asset held by the second user; the sharing operation is used to indicate that the specified interest asset is shared to a shared account; the shared account is an account that two or more users have a use right; the two or more users include the second user.

[0202] Step 504: in response to the sharing operation, storing the specified interest asset in association with a shared account identifier used to indicate the shared account; the interest asset stored in association with the shared account identifier can be used by any one of the users who have a use right of the shared account; the specified interest asset is used to process a transaction triggered by any one of the two or more users based on the association between the shared account identifier and the specified interest asset.

[0203] In the embodiments of the present disclosure, the second user, the specified interest asset, the sharing operation, the shared account identifier, and the association storage can have the same meaning as the terms mentioned in the embodiments of the method in FIG. 2. Since the process of obtaining the sharing operation of the second user for the specified interest asset held by the second user and the association storage has been described in detail, it will not be repeated here.

[0204] In the method in FIG. 5, a user can bind his / her user identifier to one or more shared accounts in advance, where a shared account is an account that two or more users including the user have the use right. Thus, when the user needs to make a transaction payment, the server can query the shared account of the user based on the user identifier of the user, and then find the shared equity assets associated with the shared account of the user, and process the transaction payment of the user based on the shared equity assets. Thus, the online equity assets of users can be shared and used, which is beneficial to improve the convenience of users using online equity assets.

[0205] FIG. 6 is a swim lane diagram of a method for generating, viewing and using equity assets according to an embodiment of the present specification.

[0206] As shown in FIG. 6, the execution subject involved in the flow of generating, viewing and using equity assets can include a server and a user terminal, where the server can run a payment system, a shared account management system and an equity asset management system, and different systems can run on the same or different server devices. In the shared account management system, the mapping relationship between a user identifier and a shared account identifier is stored and maintained. In the equity asset management system, equity asset information is stored and maintained, and on one hand, the mapping relationship between a user identifier and a personal equity asset that the user identifier represents and that the user himself / herself has the use right is stored and maintained, and on the other hand, the mapping relationship between a shared account identifier and a shared equity asset that the shared account identifier represents and that at least two users associated with the shared account have the use right is stored and maintained.

[0207] The method flow of FIG. 6 can include an equity asset generation phase, an equity asset query phase and an equity asset use phase, and can specifically include the following steps:

[0208] In the equity asset generation phase, an optional embodiment can be as shown in steps 602 to 608 in FIG. 6.

[0209] Step 602: The user terminal sends first authorization information to the equity asset management system.

[0210] Step 604: The equity asset management system receives the first authorization information.

[0211] Step 606: The equity asset management system determines a first equity asset that can be distributed to the shared account based on the existing assets in the shared account.

[0212] Step 608: The equity asset management system stores the shared account identifier for representing the shared account and the first equity asset in association.

[0213] In the equity asset generation phase, another optional implementation can be shown in steps 610-614 in FIG. 6.

[0214] Step 610: The user performs a sharing operation on a specified equity asset held by the user, and the user terminal sends the sharing operation information to the equity asset management system.

[0215] Step 612: The equity asset management system acquires the sharing operation information of the user sharing the specified equity asset held by the user.

[0216] Step 614: The equity asset management system stores the specified equity asset in association with a shared account identifier representing the shared account in response to the sharing operation.

[0217] In the equity asset query phase, an optional implementation can be shown in steps 616-624 in FIG. 6.

[0218] Step 616: The user terminal sends a first query request to the shared account management system.

[0219] Step 618: The shared account management system receives the first query request.

[0220] Step 620: The shared account management system determines the shared account of the user based on the user identifier in the first query request.

[0221] Step 622: The equity asset management system queries the first equity asset associated with the shared account and the second equity asset associated with the user, and sends information representing the first equity asset and information representing the second equity asset to the user terminal.

[0222] Step 624: The user terminal displays the information of the first equity asset and the information of the second equity asset to the user.

[0223] In the equity asset query phase, another optional implementation can be shown in steps 626-634 in FIG. 6.

[0224] Step 626: The user terminal sends a second query request to the shared account management system.

[0225] Step 628: The shared account management system receives the second query request.

[0226] Step 630: The shared account management system determines the shared account identifier carried in the second query request based on the second query request.

[0227] Step 632: The equity asset management system queries the first equity asset associated with the shared account based on the shared account identifier, and sends information representing the first equity asset to the user terminal.

[0228] Step 634: The user terminal displays information of the first equity asset to the user.

[0229] In the equity asset use phase, an optional embodiment can be shown in steps 636 to 646 in FIG. 6.

[0230] Step 636: The user terminal sends transaction trigger information of the user to the payment system.

[0231] Step 638: The payment system receives the transaction trigger information of the user, and sends an equity asset query request to the shared account management system based on the user identifier carried in the transaction trigger information.

[0232] Step 640: The shared account management system determines the shared account of the user based on the user identifier carried in the equity asset query request.

[0233] Step 642: The equity asset management system queries the first equity asset associated with the shared account, and queries the second equity asset associated with the user based on the user identifier.

[0234] Step 644: The equity asset management system screens at least one equity asset from the first equity asset and the second equity asset according to a preset equity screening rule.

[0235] Step 646: The payment system processes the transaction corresponding to the transaction trigger information based on the at least one equity asset.

[0236] Among them, steps 602 to 614 are the equity asset generation phase, steps 616 to 634 are the equity asset query phase, and steps 636 to 646 are the equity asset use phase.

[0237] Based on the same idea, the present specification embodiment also provides a device corresponding to the above method.

[0238] FIG. 7 is a structural schematic diagram of a transaction processing device corresponding to FIG. 2 provided by the present specification embodiment. The device can include:

[0239] A trigger information receiving module 702 is configured to receive transaction trigger information of a first user; the transaction trigger information carries a first user identifier of the first user.

[0240] A shared account determining module 704 is configured to determine a shared account of the first user based on the first user identifier; the shared account is an account to which two or more users including the first user have a use right.

[0241] The first asset query module 706 is configured to query a first interest asset associated with the shared account; the first interest asset is an interest asset that is accessible to the two or more users.

[0242] The transaction processing module 708 is configured to process a transaction corresponding to the transaction trigger information based on at least part of the first interest asset.

[0243] Based on the apparatus in FIG. 7, the embodiments of the present specification also provide some specific implementations of the apparatus, which are described below.

[0244] Optionally, the apparatus can further include:

[0245] The second asset query module is configured to query a second interest asset associated with the first user based on the first user identifier; the second interest asset is an interest asset owned by the first user.

[0246] Correspondingly, the transaction processing module 708 can specifically include:

[0247] The transaction processing unit is configured to process the transaction corresponding to the transaction trigger information based on at least part of the first interest asset and the second interest asset.

[0248] Optionally, the transaction processing module 708 can specifically include:

[0249] The interest screening unit is configured to screen at least one interest asset from the first interest asset and the second interest asset according to a preset interest screening rule.

[0250] The transaction processing unit is configured to process the transaction corresponding to the transaction trigger information based on the at least one interest asset.

[0251] Optionally, the interest screening unit can specifically include:

[0252] The target interest asset screening sub-unit is configured to screen a target interest asset from the first interest asset and the second interest asset according to a preset interest screening rule; the target interest asset belongs to the first interest asset or the second interest asset.

[0253] Correspondingly, the transaction processing unit can specifically include:

[0254] The first transaction processing sub-unit is configured to process the transaction corresponding to the transaction trigger information based on the target interest asset.

[0255] Optionally, the interest screening unit can specifically include:

[0256] The first equity screening subunit is configured to screen a first target equity asset from the first equity asset according to a preset first equity screening rule.

[0257] The second equity screening subunit is configured to screen a second target equity asset from the second equity asset according to a preset second equity screening rule.

[0258] Correspondingly, the transaction processing unit can specifically include:

[0259] The second transaction processing subunit is configured to process the transaction corresponding to the transaction trigger information by superimposing the first target equity asset and the second target equity asset.

[0260] Optionally, the apparatus can further include:

[0261] The first equity asset distribution module is configured to determine the first equity asset that can be distributed to the shared account based on the existing asset in the shared account.

[0262] The first association storage module is configured to store the shared account identifier used to represent the shared account and the first equity asset in association.

[0263] Optionally, the apparatus can further include:

[0264] The first authorization information acquisition module is configured to acquire the first authorization information of at least part of the two or more users; the first authorization information is used to indicate that the at least part of the users agree to distribute equity assets to the shared account based on the existing asset.

[0265] Optionally, the apparatus can further include:

[0266] The shared operation acquisition module is configured to acquire the shared operation of the second user for the specified equity asset held by the second user; the shared operation is used to indicate that the specified equity asset is shared to the shared account.

[0267] The second association storage module is configured to store the specified equity asset and the shared account identifier used to represent the shared account in association in response to the shared operation.

[0268] FIG. 8 is a structural schematic diagram of an equity asset query apparatus corresponding to FIG. 3 provided by an embodiment of the present specification. The apparatus can include:

[0269] The query request receiving module 802 is configured to acquire the first query request sent by the user terminal device; the first query request is used to query the equity asset available to the first user; and the first query request carries the first user identifier of the first user.

[0270] The shared account determination module 804 is configured to determine a shared account of the first user based on the first user identifier. The shared account is an account in which two or more users including the first user have usage authority.

[0271] The first asset query module 806 is configured to query a first equity asset associated with the shared account. The first equity asset is an equity asset in which the two or more users have usage authority.

[0272] The information sending module 808 is configured to send information representing the first equity asset to the user terminal device for display.

[0273] Optionally, the apparatus can further include:

[0274] The second asset query module is configured to query a second equity asset associated with the first user based on the first user identifier. The second equity asset is an equity asset owned by the first user.

[0275] Correspondingly, the information sending module 808 can specifically include:

[0276] The information sending unit is configured to send information representing the first equity asset and information representing the second equity asset to the user terminal device for display.

[0277] Optionally, the apparatus can further include:

[0278] The second query request acquisition module is configured to acquire a second query request sent by a user terminal device. The second query request is used to query usable equity assets in the shared account. The second query request carries a shared account identifier.

[0279] The first asset query module is configured to query the first equity asset associated with the shared account based on the shared account identifier.

[0280] The information sending module is configured to send information representing the first equity asset to the user terminal device for display.

[0281] Optionally, the apparatus can further include:

[0282] The first equity asset allocation module is configured to determine the first equity asset that can be allocated to the shared account based on existing assets in the shared account.

[0283] The first association storage module is configured to store, in association, a shared account identifier representing the shared account and the first equity asset.

[0284] Optionally, the apparatus can further include:

[0285] The first authorization information obtaining module is configured to obtain first authorization information of at least part of the two or more users; the first authorization information is used to indicate that the at least part of the users agree to allocate the equity asset to the shared account based on the existing asset.

[0286] Optionally, the apparatus can further include:

[0287] The shared operation obtaining module is configured to obtain a shared operation of the second user for a specified equity asset held by the second user; the shared operation is used to indicate sharing of the specified equity asset to the shared account.

[0288] The second association storage module is configured to, in response to the shared operation, store the specified equity asset in association with a shared account identifier used to indicate the shared account.

[0289] FIG. 9 is a structural schematic diagram of an equity asset processing apparatus corresponding to FIG. 4 according to an embodiment of the present specification. The apparatus can include:

[0290] The equity asset determining module 902 is configured to determine a first equity asset that can be allocated to the shared account based on an existing asset in the shared account; the shared account is an account to which two or more users have a use right; the first equity asset is an equity asset to which the two or more users have a use right.

[0291] The equity asset storage module 904 is configured to store a shared account identifier used to indicate the shared account in association with the first equity asset; the equity asset associated with the shared account identifier can be used by any one of the users who have a use right of the shared account; the first equity asset is used to process a transaction triggered by any one of the two or more users based on an association relationship between the shared account identifier and the first equity asset.

[0292] Optionally, the apparatus can further include:

[0293] The first authorization information obtaining module is configured to obtain first authorization information of at least part of the two or more users; the first authorization information is used to indicate that the at least part of the users agree to allocate the equity asset to the shared account based on the existing asset.

[0294] FIG. 10 is a structural schematic diagram of another equity asset processing apparatus corresponding to FIG. 5 according to an embodiment of the present specification. The apparatus can include:

[0295] The equity asset sharing module 1002 is configured to acquire a sharing operation of a second user on a specified equity asset held by the second user; the sharing operation is used to indicate sharing of the specified equity asset to a shared account; the shared account is an account to which two or more users have usage authority, and the second user is included in the two or more users.

[0296] The equity asset storage module 1004 is configured to store the specified equity asset in association with a shared account identifier used to represent the shared account in response to the sharing operation; the equity asset stored in association with the shared account identifier can be used by any one of the two or more users having usage authority of the shared account; the specified equity asset is used to process a transaction triggered by any one of the two or more users based on an association relationship between the shared account identifier and the specified equity asset.

[0297] Based on the same idea, the embodiments of the present specification also provide a device corresponding to the above method.

[0298] FIG. 11 is a structural schematic diagram of a transaction processing device corresponding to FIG. 2 provided by an embodiment of the present specification. As shown in FIG. 11, the device 1100 can include:

[0299] at least one processor 1110; and

[0300] a memory 1130 in communication connection with the at least one processor; wherein

[0301] The memory 1130 stores instructions 1120 executable by the at least one processor 1110, and the instructions are executed by the at least one processor 1110 to enable the at least one processor 1110 to:

[0302] receive transaction trigger information of a first user; the transaction trigger information carries a first user identifier of the first user.

[0303] determine a shared account of the first user based on the first user identifier; the shared account is an account to which two or more users including the first user have usage authority.

[0304] query a first equity asset associated with the shared account; the first equity asset is an equity asset to which the two or more users have usage authority.

[0305] process a transaction corresponding to the transaction trigger information based on at least part of the first equity asset.

[0306] FIG. 12 is a structural schematic diagram of an equity asset query device corresponding to FIG. 3 provided by an embodiment of the present specification. As shown in FIG. 12, the device 1200 can include:

[0307] at least one processor 1210; and

[0308] a memory 1230 connected with the at least one processor in communication; wherein

[0309] the memory 1230 stores instructions 1220 executable by the at least one processor 1210, and the instructions are executed by the at least one processor 1210 to enable the at least one processor 1210 to:

[0310] obtain a first query request sent by a user terminal device; the first query request is used to query a right and interest asset available to a first user; and the first query request carries a first user identifier of the first user.

[0311] determine a shared account of the first user based on the first user identifier; the shared account is an account to which two or more users including the first user have a use right.

[0312] query a first right and interest asset associated with the shared account; the first right and interest asset is a right and interest asset to which the two or more users have the use right.

[0313] send information representing the first right and interest asset to the user terminal device for display.

[0314] FIG. 13 is a structural schematic diagram of a right and interest asset processing device corresponding to FIG. 4 according to an embodiment of the present specification. As shown in FIG. 13, the device 1300 can include:

[0315] at least one processor 1310; and

[0316] a memory 1330 connected with the at least one processor in communication; wherein

[0317] the memory 1330 stores instructions 1320 executable by the at least one processor 1310, and the instructions are executed by the at least one processor 1310 to enable the at least one processor 1310 to:

[0318] determine a first right and interest asset distributable to a shared account based on an existing asset in the shared account; the shared account is an account to which two or more users have a use right; and the first right and interest asset is a right and interest asset to which the two or more users have the use right.

[0319] store a shared account identifier used for representing the shared account in association with the first equity asset; the equity asset stored in association with the shared account identifier can be used by any one of the users having usage right to the shared account; the first equity asset is used to process a transaction triggered by any one of the two or more users based on the association between the shared account identifier and the first equity asset.

[0320] FIG. 14 is a structural schematic diagram of another equity asset processing device corresponding to FIG. 5 according to an embodiment of the present specification. As shown in FIG. 14, the device 1400 can include:

[0321] at least one processor 1410; and

[0322] a memory 1430 in communication with the at least one processor; wherein

[0323] the memory 1430 stores instructions 1420 executable by the at least one processor 1410, and the instructions are executed by the at least one processor 1410 to enable the at least one processor 1410 to:

[0324] obtain a sharing operation of a second user on a specified equity asset held by the second user; the sharing operation is used to indicate sharing the specified equity asset to a shared account; the shared account is an account having usage right to two or more users; the two or more users include the second user.

[0325] in response to the sharing operation, store the specified equity asset in association with a shared account identifier used for representing the shared account; the equity asset stored in association with the shared account identifier can be used by any one of the users having usage right to the shared account; the specified equity asset is used to process a transaction triggered by any one of the two or more users based on the association between the shared account identifier and the specified equity asset.

[0326] Each of the embodiments in the present specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other. Each of the embodiments focuses on the difference from other embodiments. In particular, for the devices shown in FIGS. 11-14, since they are basically similar to the method embodiments, the description is relatively simple, and the relevant parts can be referred to the part of the method embodiments.

[0327] The above described embodiments of the present description have been described. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order and still achieve desirable results. Additionally, the processes depicted in the figures do not necessarily require the particular order shown, or sequential order, to achieve the desired results. In certain implementations, multitasking and parallel processing can be advantageous.

[0328] In the 1990s, it was quite obvious to distinguish whether an improvement in a technology was in hardware (e.g., improvement in circuit structures of diodes, transistors, switches, etc.) or in software (improvement in method flow). However, as technology has evolved, many improvements in method flow today can be considered as direct improvements in hardware circuit structures. Designers almost always obtain the corresponding hardware circuit structures by programming the improved method flow into hardware circuits. Therefore, it cannot be said that an improvement in a method flow cannot be implemented by hardware entity modules. For example, a programmable logic device (PLD) (e.g., a field programmable gate array (FPGA)) is an integrated circuit whose logic function is determined by user programming of the device. A digital system is "integrated" on a PLD by the designer programming it, rather than by asking a chip manufacturer to design and fabricate a custom integrated circuit chip. Moreover, instead of manually fabricating integrated circuit chips, this programming is now mostly implemented by "logic compiler" software, which is similar to software compilers used in program development, and the original code to be compiled is written in a specific programming language, which is called a hardware description language (HDL), and there are many such languages, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., and the most commonly used are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should be aware that, as long as the method flow is logically programmed in the above-mentioned hardware description languages and programmed into an integrated circuit, a hardware circuit implementing the logical method flow can be easily obtained.

[0329] The controller can be implemented in any suitable way, for example, the controller can take the form of a microprocessor or processor and a computer readable medium storing computer readable program code, such as software or firmware, executable by the (micro)processor, logic gates, switches, an application specific integrated circuit (ASIC), a programmable logic controller and an embedded microcontroller, examples of which include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320, the memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also know that, in addition to being implemented in pure computer readable program code, the controller can equally well be implemented to perform the same functions using logic gates, switches, an application specific integrated circuit, a programmable logic controller and an embedded microcontroller, etc. by means of a logical programming of the method steps. The controller can thus be considered as a hardware component, and the means comprised therein for performing the various functions can be considered as structures within the hardware component. Alternatively, the means for performing the various functions can even be considered as both a software module implementing the method and a structure within the hardware component.

[0330] The systems, apparatuses, modules or units illustrated by the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer can be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0331] For the sake of description, the above apparatuses are described in various units by functions respectively. Of course, the functions of each unit can be implemented in the same or multiple software and / or hardware in implementing the present specification.

[0332] Those skilled in the art will understand that the embodiments of the present application can be provided as a method, a system, or a computer program product. Therefore, the present application can take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present application can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0333] The computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart block or blocks.

[0334] These computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture including instructions which implement the function specified in the flowchart block or blocks.

[0335] These computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart block or blocks.

[0336] In one typical configuration, the computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0337] The memory can include non-persistent memory and / or volatile memory, such as random access memory (RAM) and / or cache memory, for storing, in general, data and / or program instructions. The memory can also include non-volatile memory, such as read-only memory (ROM), electrically programmable read-only memory (EPROM), electrically erasable read-only memory (EEPROM), flash memory, or non-volatile random access memory (NVRAM), for storing, in general, data and / or program instructions. The memory is an example of computer readable media.

[0338] Computer-readable media includes permanent and non-permanent, movable and non-movable media that can be implemented by any method or technology to store information. The information can be computer-readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassette, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information accessible to a computing device. According to the definition herein, computer-readable media does not include transitory media such as modulated data signals and carriers.

[0339] It should also be noted that the terms "comprising", "containing", or any other variant thereof are intended to cover non-exclusive inclusions, so that a process, method, article or apparatus that includes a list of elements not only includes those elements, but also includes other elements not explicitly listed or inherent to such process, method, article or apparatus. Without more limitations, the element defined by the statement "comprising a" does not exclude the presence of additional identical elements in the process, method, article or apparatus that includes the element.

[0340] The specification can be described in the general context of computer-executable instructions, such as program modules, executed by computers. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in both local and remote computer storage media, including storage devices.

[0341] The above only describes the embodiments of the specification and is not used to limit the specification. For those skilled in the art, the specification can have various changes and variations. Any modification, equivalent replacement, improvement, etc. within the spirit and principle of the specification shall be included in the scope of claims of the specification.

Claims

1. A method for transaction processing, comprising: receiving transaction trigger information of a first user; the transaction trigger information carrying a first user identifier of the first user; determining a shared account of the first user based on the first user identifier; the shared account being an account that two or more users including the first user have a use right; inquiring a first equity asset associated with the shared account; the first equity asset being an equity asset that the two or more users have a use right; processing a transaction corresponding to the transaction trigger information based on at least part of the first equity asset. 2.The method of claim 1, before the processing the transaction corresponding to the transaction trigger information based on at least part of the first equity asset, further comprising: inquiring a second equity asset associated with the first user based on the first user identifier; the second equity asset being an equity asset that the first user owns by himself; the processing the transaction corresponding to the transaction trigger information based on at least part of the first equity asset, specifically comprising: processing the transaction corresponding to the transaction trigger information based on at least part of the first equity asset and the second equity asset. 3.The method of claim 2, the processing the transaction corresponding to the transaction trigger information based on at least part of the first equity asset and the second equity asset, specifically comprising: screening at least one equity asset from the first equity asset and the second equity asset according to a preset equity screening rule; processing the transaction corresponding to the transaction trigger information based on the at least one equity asset. 4.The method of claim 3, the screening at least one equity asset from the first equity asset and the second equity asset according to a preset equity screening rule, specifically comprising: screening a target equity asset from the first equity asset and the second equity asset according to a preset equity screening rule; the target equity asset belonging to the first equity asset or the second equity asset; the processing the transaction corresponding to the transaction trigger information based on the at least one equity asset, specifically comprising: processing the transaction corresponding to the transaction trigger information based on the target equity asset. 5.The method of claim 3, the screening at least one equity asset from the first equity asset and the second equity asset according to a preset equity screening rule, specifically comprising: screening a first target equity asset from the first equity asset according to a preset first equity screening rule; screening a second target equity asset from the second equity asset according to a preset second equity screening rule; the processing the transaction corresponding to the transaction trigger information based on the at least one equity asset, specifically comprising: processing the transaction corresponding to the transaction trigger information by superimposing the first target equity asset and the second target equity asset. 6.The method of claim 1, before the inquiring the first equity asset associated with the shared account, further comprising: ​ ​ determine, based on existing assets in the shared account, a first equity asset that can be allocated to the shared account; store, in association, the shared account identifier representing the shared account and the first equity asset. 7.The method of claim 6, before the determining, based on the existing assets in the shared account, the first equity asset that can be allocated to the shared account, further comprising: obtain first authorization information of at least part of the two or more users; the first authorization information is used to indicate that the at least part of the users agree to allocate equity assets to the shared account based on the existing assets. 8.The method of claim 1, before the querying the first equity asset associated with the shared account, further comprising: obtain a sharing operation of a second user on a specified equity asset held by the second user; the sharing operation is used to indicate sharing the specified equity asset to the shared account; in response to the sharing operation, store the specified equity asset in association with a shared account identifier representing the shared account. 9.A method for querying equity assets, comprising: obtain a first query request sent by a user terminal device; the first query request is used to query equity assets available to a first user; the first query request carries a first user identifier of the first user; based on the first user identifier, determine a shared account of the first user; the shared account is an account that two or more users including the first user have usage authority; query a first equity asset associated with the shared account; the first equity asset is an equity asset that the two or more users have usage authority; send information representing the first equity asset to the user terminal device for display. 10.The method of claim 9, before the sending information representing the first equity asset to the user terminal device for display, further comprising: based on the first user identifier, query a second equity asset associated with the first user; the second equity asset is an equity asset owned by the first user himself; the sending information representing the first equity asset to the user terminal device for display, specifically comprises: send information representing the first equity asset and information representing the second equity asset to the user terminal device for display. 11.The method of claim 9, further comprising: obtain a second query request sent by a user terminal device; the second query request is used to query equity assets available in the shared account; the second query request carries a shared account identifier; based on the shared account identifier, query the first equity asset associated with the shared account; send information representing the first equity asset to the user terminal device for display. 12.The method of claim 9, before the querying the first equity asset associated with the shared account, further comprising: determine, based on existing assets in the shared account, a first equity asset that can be allocated to the shared account; store the first interest asset in association with a shared account identifier used to represent the shared account. 13.The method of claim 12, wherein before determining the first interest asset distributable to the shared account based on the existing assets in the shared account, the method further comprises: obtaining first authorization information of at least some of the two or more users; the first authorization information is used to indicate that the at least some of the two or more users agree to distribute interest assets to the shared account based on the existing assets. 14.The method of claim 9, wherein before querying the first interest asset associated with the shared account, the method further comprises: obtaining a sharing operation of a second user on a specified interest asset held by the second user; the sharing operation is used to indicate sharing the specified interest asset to the shared account; in response to the sharing operation, storing the specified interest asset in association with a shared account identifier used to represent the shared account. 15.A method for processing interest assets, comprising: determining a first interest asset distributable to a shared account based on existing assets in the shared account; the shared account is an account to which two or more users have access; the first interest asset is an interest asset to which the two or more users have access; storing the first interest asset in association with a shared account identifier used to represent the shared account; the interest asset stored in association with the shared account identifier can be used by any one of the users having access to the shared account; the first interest asset is used to process a transaction triggered by any one of the two or more users based on an association between the shared account identifier and the first interest asset. 16.The method of claim 15, wherein before determining the first interest asset distributable to the shared account based on the existing assets in the shared account, the method further comprises: obtaining first authorization information of at least some of the two or more users; the first authorization information is used to indicate that the at least some of the two or more users agree to distribute interest assets to the shared account based on the existing assets. 17.A method for processing interest assets, comprising: obtaining a sharing operation of a second user on a specified interest asset held by the second user; the sharing operation is used to indicate sharing the specified interest asset to a shared account; the shared account is an account to which two or more users have access; the second user is included in the two or more users; in response to the sharing operation, storing the specified interest asset in association with a shared account identifier used to represent the shared account; the interest asset stored in association with the shared account identifier can be used by any one of the users having access to the shared account; the specified interest asset is used to process a transaction triggered by any one of the two or more users based on an association between the shared account identifier and the specified interest asset. 18.A transaction processing apparatus, comprising: a trigger information receiving module configured to receive transaction trigger information of a first user; the transaction trigger information carries a first user identifier of the first user. The shared account determination module is configured to determine a shared account of the first user based on the first user identifier. The shared account is an account that has a use right of two or more users including the first user. The first asset query module is configured to query a first equity asset associated with the shared account. The first equity asset is an equity asset that has a use right of the two or more users. The transaction processing module is configured to process a transaction corresponding to the transaction trigger information based on at least part of the first equity asset.

19. An equity asset query device, comprising: The query request receiving module is configured to obtain a first query request sent by a user terminal device. The first query request is used to query an equity asset available to a first user. The first query request carries a first user identifier of the first user. The shared account determination module is configured to determine a shared account of the first user based on the first user identifier. The shared account is an account that has a use right of two or more users including the first user. The first asset query module is configured to query a first equity asset associated with the shared account. The first equity asset is an equity asset that has a use right of the two or more users. The information sending module is configured to send information representing the first equity asset to the user terminal device for display.

20. An equity asset processing device, comprising: The equity asset determination module is configured to determine a first equity asset distributable to a shared account based on an existing asset in the shared account. The shared account is an account that has a use right of two or more users. The first equity asset is an equity asset that has a use right of the two or more users. The equity asset storage module is configured to store a shared account identifier representing the shared account in association with the first equity asset. The first equity asset is used to process a transaction triggered by any user of the two or more users based on an association relationship between the shared account identifier and the first equity asset.

21. An equity asset processing device, comprising: The equity asset sharing module is configured to obtain a sharing operation of a second user on a specified equity asset held by the second user. The sharing operation is used to indicate sharing of the specified equity asset to a shared account. The shared account is an account that has a use right of two or more users. The two or more users include the second user. The equity asset storage module is configured to store the specified equity asset in association with a shared account identifier representing the shared account in response to the sharing operation. The specified equity asset is used to process a transaction triggered by any user of the two or more users based on an association relationship between the shared account identifier and the specified equity asset.

22. A transaction processing device, comprising: at least one processor; and a memory in communication connection with the at least one processor; wherein ​ The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to: receive transaction trigger information of a first user; the transaction trigger information carries a first user identifier of the first user; determine a shared account of the first user based on the first user identifier; the shared account is an account in which two or more users including the first user have usage authority; query a first equity asset associated with the shared account; the first equity asset is an equity asset in which the two or more users have usage authority; process a transaction corresponding to the transaction trigger information based on at least part of the first equity asset.

23. An equity asset query device, comprising: at least one processor; and a memory in communication connection with the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to: obtain a first query request sent by a user terminal device; the first query request is used to query an equity asset available to a first user; the first query request carries a first user identifier of the first user; determine a shared account of the first user based on the first user identifier; the shared account is an account in which two or more users including the first user have usage authority; query a first equity asset associated with the shared account; the first equity asset is an equity asset in which the two or more users have usage authority; send information representing the first equity asset to the user terminal device for display.

24. An equity asset processing device, comprising: at least one processor; and a memory in communication connection with the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to: determine a first equity asset distributable to a shared account based on an existing asset in the shared account; the shared account is an account in which two or more users have usage authority; the first equity asset is an equity asset in which the two or more users have usage authority; store a shared account identifier used to represent the shared account in association with the first equity asset; the first equity asset is used to process a transaction triggered by any user of the two or more users based on an association relationship between the shared account identifier and the first equity asset.

25. An equity asset processing device, comprising: at least one processor; and a memory in communication connection with the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to: obtaining a sharing operation of a second user for a specified equity asset held by the second user; the sharing operation is used to indicate sharing of the specified equity asset to a shared account; the shared account is an account to which two or more users have access; the second user is included in the two or more users; in response to the sharing operation, storing the specified equity asset in association with a shared account identifier used to represent the shared account; the specified equity asset is used to process a transaction triggered by any user of the two or more users based on an association between the shared account identifier and the specified equity asset.

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