CN108510376A - Household finance manages system, method, terminal and storage medium - Google Patents

Household finance manages system, method, terminal and storage medium Download PDF

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Publication number
CN108510376A
CN108510376A CN201710618303.3A CN201710618303A CN108510376A CN 108510376 A CN108510376 A CN 108510376A CN 201710618303 A CN201710618303 A CN 201710618303A CN 108510376 A CN108510376 A CN 108510376A
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financing
information
tax
program module
pay
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陈志辉
褚红丹
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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Priority to CN201710618303.3A priority Critical patent/CN108510376A/en
Priority to PCT/CN2018/087415 priority patent/WO2019019779A1/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12Accounting
    • G06Q40/125Finance or payroll
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06Asset management; Financial planning or analysis
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12Accounting
    • G06Q40/123Tax preparation or submission

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  • Accounting & Taxation (AREA)
  • Finance (AREA)
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  • Human Resources & Organizations (AREA)
  • Operations Research (AREA)
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Abstract

The present invention relates to a kind of household finances to manage system, method, terminal and storage medium, the system comprises:Wage program module, the pre-tax salary for obtaining kinsfolk calculate corresponding pay after tax according to the pre-tax salary, the pay after tax are sent to spreadsheet module;Refund program module calculates repayment amount according to the credit information, the repayment amount is sent to spreadsheet module for obtaining credit information;Spreadsheet module, for recording pay after tax, repayment amount and spending amount;Program module of managing money matters calculates corresponding financing income for obtaining a variety of financing information according to the pay after tax, repayment amount, spending amount and financing information.This system can carry out financial management according to the financial information of family for kinsfolk and provide conveniently.

Description

Household finance manages system, method, terminal and storage medium
Technical field
The present invention relates to field of computer technology, more particularly to a kind of household finance management system, method, terminal and deposit Storage media.
Background technology
Household finance management has important meaning for each family.With the improvement of living standards, family receives Enter and pay it is more and more diversified, household finance management it is also more and more important.In traditional mode, pass through software records of keeping accounts Household income and expenditure information, but existing book keeping operation software is not easy to calculate complicated financial information, be also not easy to kinsfolk according to Financial management is effectively performed in household finance information.Therefore, how effective financial management is carried out for kinsfolk to provide conveniently It is a technical problem for needing to solve at present.
Invention content
Based on this, it is necessary in view of the above technical problems, provide a kind of finance that can be convenient for kinsfolk according to family Information carries out household finance management system, method, terminal and the storage medium of financial management.
A kind of household finance management system, the system comprises:
Wage program module, the pre-tax salary for obtaining kinsfolk calculate corresponding tax according to the pre-tax salary The pay after tax is sent to spreadsheet module by wage afterwards;
Refund program module calculates repayment amount, by the refund for obtaining credit information according to the credit information The amount of money is sent to spreadsheet module;
Spreadsheet module, for recording pay after tax, repayment amount and spending amount;
Financing program module, for obtaining a variety of financing information, according to the pay after tax, repayment amount, spending amount And financing information calculates corresponding financing income.
The refund program module, which is additionally operable to obtain, in one of the embodiments, starts refund date, interest rate modification day Phase and payment beforehand date start refund date, interest rate modification date and the payment beforehand date using described The corresponding refund period is calculated, difference is calculated separately using refund period loan interest rate corresponding with the period of refunding Refund period corresponding refund information.
The financing program module is additionally operable to obtain preset financing keyword in one of the embodiments, according to institute It states financing keyword to screen a variety of financing information, the financing information filtered out is shown.
The financing program module is additionally operable to obtain browsing record in one of the embodiments, is remembered according to the browsing Record extraction financing keyword, screens a variety of financing information according to the financing keyword, the financing information that will be filtered out It is shown.
In one of the embodiments, the spreadsheet module be additionally operable to scanning consumption authority, obtain article of consumption and Corresponding spending amount records the article of consumption and corresponding spending amount.
The system also includes notes program modules in one of the embodiments, for recording a variety of accounts, corresponding Prompt cipher and password dictionary inquire the corresponding true password of the prompt cipher by the password dictionary.
A kind of household finance management method, including:
The pre-tax salary for obtaining kinsfolk calculates corresponding pay after tax according to the pre-tax salary;
Credit information is obtained, repayment amount is calculated according to the credit information;
Record pay after tax, repayment amount and spending amount;
A variety of financing information are obtained, according to the pay after tax, repayment amount, spending amount and financing information measuring and calculating pair The financing income answered.
The method further includes in one of the embodiments,:
Financing keyword is obtained, a variety of financing information are screened according to the financing keyword;
The financing information filtered out is shown.
A kind of terminal, including memory and processor store computer-readable instruction, described instruction in the memory When being executed by the processor so that the processor executes the step of above method.
One or more is stored with the computer-readable non-volatile memory medium of computer-readable instruction, computer-readable When instruction is executed by one or more processors so that one or more processors execute the step of above method.
Above-mentioned household finance management system, method, terminal and storage medium, by calculate kinsfolk pay after tax, The spending amount of repayment amount and family, it is hereby achieved that the finance income situation of family.Utilize pay after tax, gold of refunding Volume, spending amount and financing information calculate corresponding financing income, are thus convenient for kinsfolk according to the financial information of family Carry out financial management.
Description of the drawings
Fig. 1 is the block diagram that household finance manages system in one embodiment;
Fig. 2 is the surface chart that household finance manages system in one embodiment;
Fig. 3 is the surface chart that household finance manages system in another embodiment;
Fig. 4 is the block diagram of terminal in one embodiment;
Fig. 5 is the flow chart of household finance management method in one embodiment.
Specific implementation mode
In order to make the purpose , technical scheme and advantage of the present invention be clearer, with reference to the accompanying drawings and embodiments, right The present invention is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the present invention, not For limiting the present invention.
It is appreciated that term " first " used in the present invention, " second " etc. can be used to describe herein various elements, But these elements should not be limited by these terms.These terms are only used to distinguish first element and another element.Citing comes It says, without departing from the scope of the invention, the first client can be known as the second client, and similarly, can incite somebody to action Second client is known as the first client.First client and the second client both client, but it is not same visitor Family end.
In one embodiment, as shown in Figure 1, providing a kind of household finance management system 100, which includes:Work Program module 102, refund program module 104, spreadsheet module 106 and financing program module 108 are provided, wherein:
Wage program module 102, the pre-tax salary for obtaining kinsfolk calculate corresponding after-tax according to pre-tax salary Pay after tax is sent to spreadsheet module 106 by wage.
Refund program module 104 calculates repayment amount, by repayment amount for obtaining credit information according to credit information It is sent to spreadsheet module 106.
Spreadsheet module 106, for recording pay after tax, repayment amount and spending amount.
Manage money matters program module 108, for obtaining a variety of financing information, according to pay after tax, repayment amount, spending amount with And financing information calculates corresponding financing income.
Household finance management system may be mounted at terminal, for example, smart mobile phone, tablet computer, desktop computer and a People's laptop etc..Household finance management system can record family income and family's expenditure, and family income includes that wage is received Enter and income of managing money matters.Family's expenditure include repay the loan, purchase and consumption and spending for education etc..Household finance manages system also It can be paid according to family income and family to kinsfolk and push suitable financing information.Household finance manages system can be with Manage contact person, backlog and the photograph album etc. of kinsfolk.When family's financial management system is run in terminal, terminal It shows the surface chart of household finance management system, is run on smart mobile phone as shown in Fig. 2, providing household finance management system Surface chart, surface chart includes control, for example, start, setting and help etc..Control further includes functionality controls, for example, work Provide 102 corresponding wage calculation control of program module, the corresponding control of repaying the loan of refund program module 104, spreadsheet mould 106 corresponding book keeping operation control of block and financing 108 corresponding financing control of program module etc., household finance management system can lead to It crosses functionality controls and enters corresponding functional program module, and then complete corresponding task.
Household finance management system includes wage program module 102, and wage program module 102 is for obtaining kinsfolk's Pre-tax salary calculates pay after tax according to the pre-tax salary of kinsfolk.The pre-tax salary of kinsfolk can be wage gained, Can also be obtained by old-age pension.Pay after tax include it is after-tax actually pay wages, social insurance and common reserve fund, wherein society Insurance includes endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and birth insurance etc., and common reserve fund includes house public affairs product Gold.Wage program module 102 can calculate corresponding pay after tax according to the basic wage in pre-tax salary, can also be according to tax Preceding wage directly calculates corresponding pay after tax.Specifically, wage program module 102 obtains pre-tax salary, regional Individual Income Tax begins to levy Point, regional individual income tax rate, ratio is paid in social insurance and common reserve fund pays ratio etc., according to pre-tax salary, Area's personal income tax exemption, regional individual income tax rate, social insurance pay ratio and common reserve fund to pay ratio calculation after-tax It actually pays wages, the amount of money of the amount of money of social insurance and common reserve fund.For example, pre-tax salary is 12000 yuan, job site is The personal income tax exemption in Shanghai, District of Shanghai is 3500 yuan, and wage program module 102 is calculated according to Shanghai individual income tax rate It is 9127 yuan that after-tax actually pay wages, which can be obtained, and common reserve fund is 840 yuan, and social insurance is 1320 yuan.Wage program module 102 is also Pre-tax annual pay can be calculated according to pre-tax salary, after-tax practical granting annual pay can also be calculated according to after-tax actually pay wages. Wage program module 102 by it is after-tax actually pay wages, the amount of money of the amount of money of social insurance and common reserve fund is sent to family's wealth The spreadsheet module 106 for management system of being engaged in.
Household finance management system includes refund program module 104, and refund program module 104 is used for according to kinsfolk's Credit information calculates repayment amount.The type of loan can be housing loan, vehicle loan and financial platform loan etc..The form of loan can To be commercial loans, Accumulation Fund Loan etc..Refund program module 104 calculates refund information, refund packet according to credit information Include refund form, repayment amount and payback period etc..Specifically, it is total to obtain loan type, loan for refund program module 104 Volume, the length of maturity and loan interest rate calculate gold of refunding according to loan type, loan ceiling, the length of maturity and loan interest rate Volume.Repayment amount includes remaining amount of the loan moon repayment amount corresponding with the remaining amount of the loan.For example, the loan types of family For housing loan, loan form includes two kinds of commercial loans and Accumulation Fund Loan, then program module of refunding 104 can be according to commercial loans Total value, the length of maturity and loan interest rate calculate the corresponding repayment amount of commercial loans;Refund program module 104 can also basis Accumulation Fund Loan total value, the length of maturity and loan interest rate calculate the corresponding repayment amount of Accumulation Fund Loan.Refund program module 104 are sent to the repayment amount being calculated the spreadsheet module 106 that household finance manages system.
Household income and expenditure information category is various, and household income and expenditure information includes family income and family's expenditure.Wherein, family income Can be wage income and financing income, family's expenditure can repay the loan, purchase and consumption and spending for education etc..Family's wealth The spreadsheet module 106 of business management system can record household income and expenditure information.Spreadsheet module 106 can be with book of final entry man Family income can be recorded in income menu bar by front yard revenue and expenditure information, specifically, logging program module 106, and family is paid and is remembered Record is in expenditure menu bar.It can also includes sub-menu bar to take in menu bar, for example, wage income menu bar, financing income menu Column.It can also includes sub-menu bar to pay menu bar, for example, menu bar of repaying the loan, purchase and consumption menu bar and education branch Go out menu bar.Spreadsheet module 106 can be according to the type records of household income and expenditure information in corresponding menu bar.For example, note Account program module 106 wage program module 102 can be sent it is after-tax actually pay wages, social insurance and common reserve fund Amount record is recorded in menu bar of repaying the loan in wage income menu bar, by the repayment amount that refund program module 104 is sent. Purchase and consumption menu bar can also include sub-menu bar, for example, supermarket shopping menu bar, have a dinner party menu bar and menu of watching movie Column.Spending amount is recorded in corresponding menu bar by spreadsheet module 106 according to article of consumption.Spreadsheet module 106 Family income and family's expenditure can also be utilized to calculate family's net income.
Spreadsheet module 106 can also obtain preset backup date, according to backup date automated back-up accounting information. Automated back-up pattern can also be arranged in spreadsheet module 106, when family's financial management system is closed, start automated back-up Pattern backs up the accounting information in spreadsheet module 106.
Household finance management system further includes financing program module 108, and financing program module 108 is used for according to household income and expenditure Acquisition of information is suitably managed money matters information, and financing information is pushed to kinsfolk.For example, in family's expenditure shared by spending for education Ratio is maximum, and financing program module 108 obtains educational financing information, and educational financing information is pushed to kinsfolk.Reason Wealth information can be finance product and financing information, for example, the variation of stock-market change, fund and analysis expert etc..Financing journey Sequence module 108 can also obtain a variety of financing information according to pay after tax, repayment amount, spending amount, according to pay after tax, also The money amount of money, spending amount and a variety of financing information calculate separately the corresponding reason that a variety of financing information obtain in preset time Wealth income shows a variety of financing information and corresponding financing income respectively.Kinsfolk can believe according to different financings Breath and corresponding financing income are compared, and choose the financing information for being suitble to kinsfolk, are carried out according to the financing information of selection Investment & Financing.
In the present embodiment, household finance management system can calculate the after-tax of kinsfolk by wage program module 102 Wage, corresponding repayment amount can be calculated by refund program module 104, and tax can be recorded by spreadsheet module 106 Wage, repayment amount and the spending amount of family afterwards, it is hereby achieved that the finance income situation of family.Pass through program of managing money matters Module 108 can utilize pay after tax, repayment amount, spending amount and financing information to calculate corresponding financing income, thus Financial management appropriate is carried out according to the financial information of family convenient for kinsfolk.
In one embodiment, pre-tax salary includes corresponding wage section, wage section include the first pre-tax salary and Second pre-tax salary, wage program module 102 are additionally operable to obtain the first pre-tax salary and the second pre-tax salary and the interval amount of money, Multiple pre-tax salaries are obtained according to the first pre-tax salary and the second pre-tax salary and the interval amount of money, calculate multiple pre-tax salaries pair The pay after tax answered.
It is corresponding after-tax that the wage program module 102 of household finance management system can also calculate multiple pre-tax salaries simultaneously Wage.Specifically, wage program module 102 obtains the corresponding wage section of pre-tax salary, and wage section includes the interval amount of money, work Money section is divided into different pre-tax salaries by the interval amount of money.Pre-tax salary includes the first pre-tax salary and the second pre-tax salary. First pre-tax salary can be wage during starting wage, the second pre-tax salary can be the end wage in wage section, It can be any wage in centre in wage section.Wage program module 102 calculates separately the first pre-tax salary and the second pre-tax work The corresponding pay after tax of all pre-tax salaries between money, including it is after-tax actually pay wages, social insurance and common reserve fund.Public affairs product Gold pays common reserve fund including individual and enterprise pays common reserve fund, and wage program module 102 can also pay common reserve fund according to enterprise Common reserve fund calculating common reserve fund, which is paid, with individual pays total value.Wage program module 102 can also be according to all in wage section Pay after tax calculates the wage between different pays after tax and increases the amount of money.Household finance management system passes through wage program module 102 when calculating the corresponding pay after tax of multiple pre-tax salaries in wage sections, shows the surface chart of pay after tax, as shown in figure 3, The surface chart of multiple pays after tax in wage section is provided, wage section is 8000 to 12000, and the interval amount of money is 1000.Boundary Face figure includes starting monthly pay control, terminates monthly pay control, interval amount of money control, and household finance management system passes through multiple pre-tax Wage calculation obtains corresponding pay after tax and wage increases the amount of money.
In the present embodiment, by obtaining multiple pre-tax salaries, calculate separately the pay after tax for obtaining multiple pre-tax salaries and The social security amount of money, wage program module 102 can further be compared multiple pays after tax, can also be further to multiple societies Insurance money volume is compared, and wage compares more convenient.
In one embodiment, refund program module 104 be additionally operable to obtain start refund the date, interest rate modification the date and The payment beforehand date calculates the corresponding refund time using refund date, interest rate modification date and payment beforehand date is started Section, using refunding the period and period corresponding loan interest rate of refunding calculates separately different refund periods corresponding refund letter Breath.
It repays the loan including Replacement of principal and repays interest.Kinsfolk can repay part by way of payment beforehand Capital, and then reduce the corresponding interest of odd corpus.During repaying the loan, loan interest rate may change, refund information Also it can change.The refund program module 104 of household finance management system can be changed according to the interest rate during repaying the loan Date and payment beforehand information calculate the refund information of different periods of refunding, and refund program module 104 can also be according to refund Information calculates remaining refund information.Specifically, refund program module 104 acquisition start refund the date, interest rate modification the date and The payment beforehand date obtains the corresponding refund time using refund date, interest rate modification date and payment beforehand date is started Section, and then obtain period corresponding interest rate of refunding.The refund information that refund program module 104 is refunded in the period respectively.Example Such as, starting to refund the date as in January, 2014, interest rate changes the date as in January, 2015, and the payment beforehand date is in June, 2015, when The preceding date is in June, 2017, then first period of refunding was in January, 2014~2015 year January, and second period of refunding was 2015 Year January~2015 year June, third period of refunding is in June, 2015~2017 year June.Refund program module 104 can obtain First interest rate refunded in the period, calculates the refund information in the refund period;Similarly, refund program module 104 The second interest rate for refunding the period can be utilized to calculate the second refund information refunded in the period.Kinsfolk was at 2015 6 Payment beforehand is carried out the moon, refund program module 104 utilizes the refund information of the first refund period, second to refund the period Remaining refund information is calculated in refund information and payment beforehand information, and then using the interest rate of third refund period and remains Remaining refund information calculates third refund period corresponding refund information.
In traditional approach, prediction can only be calculated according to the credit information of kinsfolk and refund for loan software for calculation believes Breath, and detailed information of having refunded cannot be calculated, can not also refund information according to change of interest rate and the calculating of payment beforehand information. In the present embodiment, refund program module 104 can be according to starting loan ceiling, interest rate, the length of maturity, the date and current of refunding Date calculates corresponding information of having refunded, and remaining refund information is calculated according to loan ceiling and refund information, for example, remaining go back Money time limit, remaining repayment amount, refund program module 104 can also calculate remaining go back according to remaining repayment amount and current interest The corresponding remaining moon repayment amount of the money amount of money.By acquisition different refund periods corresponding interest rate, calculate in different time sections Refund information, facilitate kinsfolk to calculate and refunded information.
In one embodiment, financing program module 108 is additionally operable to obtain preset financing keyword, crucial according to financing Word screens a variety of financing information, and the financing information filtered out is shown.
If kinsfolk has certain interest to financing, financing keyword can be set on this system.For example, card Certificate, currency, fund, education financing, trust financing and noble metal investment etc..Household finance manages the financing program module of system 108 obtain preset financing keyword, are screened to financing information according to preset financing keyword, the correlation that will be filtered out Financing information is shown.Relevant financing information is screened by preset financing keyword, is conducive to obtain kinsfolk's sense The financing information of interest.
In one embodiment, financing program module 108 is additionally operable to obtain browsing record, and extraction financing is recorded according to browsing Keyword screens a variety of financing information according to financing keyword, the financing information filtered out is shown.
When kinsfolk browses financing information in system, indicate that kinsfolk may be emerging to the financing information sense of browsing Interest.Financing program module 108 filters out the relevant browsing record of financing from local browsing record, and then it is relevant to extract financing Financing keyword in browsing record obtains crucial with financing on different web sites according to the different website of the crucial word access of financing The link of the relevant financing information of word, and then the link for information of managing money matters is subjected to storage to the local of family's financial management system. Program module 108 of managing money matters can also from the local link for obtaining different financing information corresponding financing information, received using family Branch information and different financing information calculate separately corresponding financing income, and different financing incomes is shown.By carrying The financing keyword in local browsing record is taken, relevant financing information is screened using financing keyword, is more advantageous to and obtains house The interested financing information of front yard member.
In one embodiment, spreadsheet module 106 is additionally operable to scanning consumption authority, obtains article of consumption and corresponding Spending amount records article of consumption and corresponding spending amount.
In the present embodiment, household finance management system may be mounted at mobile terminal, for example, tablet computer and smart mobile phone There is camera Deng, tablet computer and smart mobile phone.The spreadsheet module 106 of household finance management system is additionally operable to scanning and disappears Take authority, the article of consumption and spending amount, article of consumption in identification consumption authority include film, food and drink, dress ornament and beauty Deng.Specifically, spreadsheet module 106 generates consumption authority picture using the camera shooting consumption authority of mobile terminal, into And it will consumption authority picture storage.Consumption authority picture can be stored in mobile terminal local by spreadsheet module 106, also may be used It is stored in the cloud platform being connect with household finance management system communication so that authority picture will be consumed.Consume the storage lattice of authority picture Formula can be BMP, GIF, TIFF and JPEG etc..It includes multiple characters to consume authority picture, and spreadsheet module 106 is line by line Character in identification consumption authority picture, extraction consume the article of consumption in authority picture, obtain disappears corresponding with article of consumption Take the amount of money.Spreadsheet module 106 can include total gold by spending amount identifier lookup spending amount, spending amount mark Volume, total and subtotal etc..Spreadsheet module 106 records article of consumption and corresponding spending amount.Pass through scanning Article of consumption in extraction consumption authority and spending amount information, can record article of consumption and spending amount.Record Mode is rapider, convenient, is conducive to record consumer record trifling in daily life.
In one embodiment, household finance management system further includes notes program module 110, for recording a variety of accounts Number, corresponding prompt cipher and password dictionary, the corresponding true password of prompt cipher is inquired by password dictionary.
There are many accounts and corresponding password to need to record in life, for example, the account of social platform and password and friendship Corresponding account and password, the social platforms such as logical card, bank card, safety cabinet can be wechat, microblogging and QQ etc..In order to record Account and corresponding true password, and ensure the safety of account and true password, notes program module 110 records a variety of accounts Prompt cipher corresponding with the true password of account.Notes program module 110 additionally provides password dictionary, can according to password dictionary It is converted into corresponding true password will be prompted to password.Password is made of character, and the character of password generally includes capitalization, small Write female, number and underscore etc..Password dictionary can obtain character, and each character has corresponding hand over word, such as Character A corresponding conversion characters H, character b corresponding conversion character i underscores corresponding conversion character back slashes and character 1, which correspond to, to be turned Change character 9 etc..The transformation rule of password dictionary can be changed.Password dictionary is converted to the character of acquisition pair according to transformation rule The hand over word answered.True password can be converted into prompt cipher by password dictionary, can also be will be prompted to password and be converted into really Password.Specifically, notes program module 110 obtains account and corresponding true password, and true password is turned by password dictionary It changes prompt cipher into, account and corresponding prompt cipher is recorded.By recording account and corresponding prompt cipher, utilize Password dictionary will be prompted to password and be converted into true password, improve the safety of account and true password.
Notes program module 110 can also obtain account and true password, extract the structural information of true password, structure letter Breath includes charcter topology, character types and character digit of true password etc..Program module 110 is taken down notes to give birth to using structural information At corresponding password prompt information.Password prompt information can be in the number of characters of true password, including the character of true password The number of letter, the number and each corresponding character types of number.For example, true password is abc123, then prompt to believe Breath includes the character types that the number of character in password is 6, the number of letter is 3, the number of number is 3 and first ranking It is letter etc..Taking down notes program module 110 can also utilize each code characters generation that password dictionary is true password to be selected Character, character to be selected include the corresponding hand over word of code characters.Take down notes program module 110 by true password each is close The corresponding character to be selected of code character is shown that kinsfolk can choose the corresponding hand-over word of code characters from character to be selected The hand over word of selection is converted to true password by symbol, notes program module 110 using password dictionary.For example, true password is Abc123, wherein code characters a is converted to h by password dictionary, and notes program module 110 is that a generates h, and j, k tri- is to be selected Character to be selected is shown that kinsfolk can select hand over word h from h, tri- characters to be selected of j, k by character, takes down notes journey Sequence module 110 obtains the character a of true password using password dictionary.By regarding the structural information of true password as password prompt The mode of information further improves the safety of password.
In one embodiment, notes program module 110 is additionally operable to record a variety of accounts and corresponding password, by account and Corresponding password is sent to spreadsheet module 106, and spreadsheet module 106 can be corresponding remaining according to account and cipher inquiry Volume, inquiry into balance are more convenient.
Transportation card, bank card and rechargeable card etc., which are saved, usually has certain amount of money in account and/or credit, can To inquire amount information of account, including balance amount information, access record etc. by self-service query platform.In the present embodiment, notes Program module 110 is additionally operable to record a variety of accounts and corresponding password, and account and corresponding password are sent to spreadsheet mould Block 106.Spreadsheet module 106 receives the account and password that notes program module 110 is sent, and utilizes account and cipher inquiry account Number balance amount information and access record.Specifically, notes program module 110 records a variety of accounts and corresponding password, by account It is sent to spreadsheet module 106 with corresponding password.Spreadsheet module 106 receives the account that notes program module 110 is sent Number and corresponding password, and then be associated with the account received, obtain the corresponding balance amount information of account and access records.When remaining in account When volume information changes, spreadsheet module 106 updates the balance amount information of account, preserves the newer access note of balance amount information Record.Spreadsheet module 106 can directly acquire password, the password acquisition modes in a upper embodiment can also be utilized to obtain close Code.Show that the balance amount information of account and access record according to the corresponding password of account.
Notes program module 110 can also record a variety of charge accounts such as water power, network, combustion gas and heating, will pay the fees Account is sent to spreadsheet module 106, and spreadsheet module 106 is obtained the payment record of charge account, recorded using payment Count the payment total value of charge account in preset time.Spreadsheet module 106 obtains the corresponding password of charge account, according to close Code obtains the payment record and payment total value of charge account, and payment is recorded and payment total value is shown.
In one embodiment, notes program module 110 is additionally operable to obtain backlog, by the essential information of backlog Data corresponding with backlog is associated, by the essential information of backlog and data logging on notebook.
There are many backlogs in family, such as plan of travel, shopping plan and holds party etc..Take down notes program module 110 can obtain essential information of backlog, including the time of backlog, place and preparation etc..It will wait handling affairs The corresponding data of essential information and backlog of item is associated, and is recorded on notebook.Taking down notes program module 110 can be with Be associated with calendar, obtain the date in backlog and preset reminder time, using in backlog date and when prompting Between obtain prompt date, backlog is shown in prompt date.For example, notes program module 110 obtains a trip Plan, the essential information of plan of travel includes travel time, target location, the article of scheduled purchasing and buying hour etc..Go out The data of row plan further includes travel route figure, cuisines strategy and posture reference picture etc. of taking pictures.Taking down notes program module 110 will The essential information of plan of travel and the corresponding data of plan of travel are associated, and the essential information of plan of travel and trip are counted The corresponding data logging drawn is on notebook.Taking down notes program module 110 can utilize buying hour and reminder time to obtain the One prompt date showed the procurement plan in plan of travel in the first prompt date, can also according to the travel time and Reminder time obtained for the second prompt date, was shown plan of travel in the second prompt date.It, will by recording backlog The essential information and data of backlog are associated, and are shown backlog using prompt date, are conducive to basis and are waited for Working item effectively reminds kinsfolk.
Notes program module 110 can also obtain preset backup date, according to backup date automated back-up notes information. Automated back-up pattern can also be arranged in notes program module 110, when family's financial management system is closed, start automated back-up Pattern backs up the notes information taken down notes in program module 110.
In one embodiment, household finance management system further includes contact person's program module 112, for generating message, Batch imports multiple associated person informations, according to multiple associated person informations by message Batch sending to contact person's terminal.
The contact person of kinsfolk is numerous in family, and contact person's program module 112 can manage contact person.Specifically, join It is that people's program module 112 includes associated person information, such as name of contact person, address, phone, mailbox and birthday.Contact person's journey Sequence module 112 can increase, change and delete the associated person information of former contact person.Contact person's program module 112 can be independent Increase new contact person, multiple new associated person informations can also be imported in batches.Specifically, household finance management system can be with terminal Device talk connects, and obtains the associated person information in terminal device, and the associated person information batch in terminal device is imported and is contacted People's program module 112.Terminal device can be mobile phone and phone wrist-watch etc..Contact person's program module 112 can also obtain pre- If reminder time, prompt date is obtained according to the birthday of contact person and reminder time, corresponding relationship is shown according to prompt date The birthday by information of people.
Contact person's program module 112 can receive information, can also edit information, by the information editted individually and/or Batch sending is to contact person's terminal.Information can be short message, can also be mail.Contact person's program module 112 extract short message and/ Or the new associated person information in mail, new associated person information is recorded.
In the present embodiment, by importing new associated person information in batches, associated person information can be more quickly added.By criticizing Amount imports multiple associated person informations, and message can be promptly sent to contact person's terminal.
In one embodiment, household finance management system further include album program module 114, for obtain photo and/ Or the remark information of video, the photo for adding remark information and/or video are stored in file corresponding with remark information.
When kinsfolk is shot using the camera of terminal, photo and/or video may be shot.Household finance management System can store photo and/or video to album program module 114.Album program module 114 obtains photo and/or regards Frequently, and then the remark information that kinsfolk adds photo and/or video is obtained, remark information can be person names, also may be used To be photographed subject, for example, the birthday party of kinsfolk, family take a group photo and travel outdoors.Album program module 114 is known Other remark information establishes the corresponding file of remark information, using remark information is by photo and/or video is stored in and remark information In corresponding file.For example, remark information is taken a group photo if it is family, album program module 114 can also be by remark information It is stored in corresponding family's group photo file for family's group photo photo and/or video.Household finance manages system can also be with Multiple terminal devices communication connection, household finance manage the photo of the acquisition multiple terminal devices of album program module 114 of system And/or video, the photo of multiple terminal devices and/or video are stored in corresponding file using remark information.Household finance Management system can also be communicated with cloud platform and be connected, and album program module 114 will be stored in local photo and/or video uploads To cloud platform.
In the present embodiment, by remark information by photo and/or video progress classification storage in photograph album, photograph album is improved The efficiency of management.
In one embodiment, a kind of internal frame diagram of terminal is provided, as shown in figure 4, the terminal includes passing through system Processor, non-volatile memory medium, built-in storage, network interface, display screen and the input unit of bus connection.Wherein, eventually The processor at end is for providing calculating and control ability.The memory of the terminal includes non-volatile memory medium, built-in storage. The non-volatile memory medium of the server be stored with operating system and and computer-readable instruction, the built-in storage of the terminal be The operation of operating system and computer-readable instruction in non-volatile memory medium provides environment.The computer-readable instruction quilt To realize a kind of household finance management method when processor executes.The network interface of the terminal be used for external network interface into Row communication.The display screen of terminal can be liquid crystal display or electric ink display screen etc., and input unit can be display screen The touch layer of upper covering can also be the button being arranged in terminal enclosure, trace ball or Trackpad, can also be external key Disk, Trackpad or mouse etc..The terminal can be desktop computer, notebook personal computer, mobile phone, tablet computer and a number Word assistant etc..
It will be understood by those skilled in the art that structure shown in Fig. 4, is only tied with the relevant part of application scheme The block diagram of structure, does not constitute the restriction for the server being applied thereon to application scheme, and specific server may include Than more or fewer components as shown in the figure, either combines certain components or arranged with different components.
In one embodiment, as shown in figure 5, providing a kind of household finance management method, it is applied in this way eventually It illustrates, specifically includes for end:
Step 502, the pre-tax salary for obtaining kinsfolk calculates corresponding pay after tax according to pre-tax salary.
Step 504, credit information is obtained, repayment amount is calculated according to credit information.
Step 506, pay after tax, repayment amount and spending amount are recorded.
Step 508, a variety of financing information are obtained, are surveyed according to pay after tax, repayment amount, spending amount and financing information Calculate corresponding financing income.
Household finance management system can be installed in advance in the present embodiment, in terminal, can be obtained by using the system The pre-tax salary of kinsfolk calculates pay after tax according to the pre-tax salary of kinsfolk.Specifically, terminal can be by this Ratio and common reserve fund are paid in system acquisition pre-tax salary, regional personal income tax exemption, regional individual income tax rate, social insurance Ratio etc. is paid, ratio is paid according to pre-tax salary, regional personal income tax exemption, regional individual income tax rate, social insurance And common reserve fund pay ratio calculation it is after-tax actually pay wages, the amount of money of the amount of money of social insurance and common reserve fund.
Terminal can also calculate repayment amount by the system according to the credit information of kinsfolk.Specifically, terminal can To obtain loan type, loan ceiling, the length of maturity and loan interest rate by the system, according to loan type, loan ceiling, The length of maturity and loan interest rate calculate repayment amount.
Terminal family income can also be recorded by the system and family pays.Wherein, family income can be that wage is received Enter and income of managing money matters, family's expenditure can repay the loan, purchase and consumption and spending for education etc..Terminal can also be by this System is suitably managed money matters information according to household income and expenditure acquisition of information.
This method further includes in one of the embodiments,:Financing keyword is obtained, according to financing keyword to a variety of reasons Wealth information is screened;The financing information filtered out is shown.
If kinsfolk has certain interest to financing, financing keyword can be set by the system.By default Financing keyword screen relevant financing information, be conducive to obtain the interested financing information of kinsfolk.
This method further includes in one of the embodiments,:The corresponding browsing record of financing information is obtained, is remembered according to browsing Record extraction financing keyword;A variety of financing information are screened according to financing keyword;The financing information filtered out is carried out Displaying.
Terminal can filter out the relevant browsing of financing from local browsing record by the system and record, extraction financing phase Financing keyword in the browsing record of pass, and then financing information is crawled in multiple websites using financing keyword.By carrying The financing keyword in local browsing record is taken, relevant financing information is screened using financing keyword, is more advantageous to and obtains house The interested financing information of front yard member.
Terminal can obtain a variety of financing information according to pay after tax, repayment amount, spending amount, according to pay after tax, Repayment amount, spending amount and a variety of financing information calculate separately a variety of financing information obtained in preset time it is corresponding Financing income, a variety of financing information and corresponding financing income are shown respectively.
In the present embodiment, by calculating pay after tax, repayment amount and the spending amount of family of kinsfolk, thus It can obtain the finance income situation of family.It is corresponded to using pay after tax, repayment amount, spending amount and financing information measuring and calculating Financing income, thus be convenient for kinsfolk according to the financial information of family carry out financial management.
In one embodiment, a kind of terminal, including memory and processor are provided, computer is stored in memory Readable instruction, when instruction is executed by processor so that processor executes following steps:Obtain the pre-tax salary of kinsfolk, root Corresponding pay after tax is calculated according to pre-tax salary;Credit information is obtained, repayment amount is calculated according to credit information;Record after-tax work Money, repayment amount and spending amount;A variety of financing information are obtained, according to pay after tax, repayment amount, spending amount and reason Wealth information calculates corresponding financing income.
In one embodiment, following steps are also executed when processor executes computer-readable instruction:It is crucial to obtain financing Word screens a variety of financing information according to financing keyword;The financing information filtered out is shown.
In one embodiment, following steps are also executed when processor executes computer-readable instruction:Obtain financing information Corresponding browsing record records extraction financing keyword according to browsing;A variety of financing information are sieved according to financing keyword Choosing;The financing information filtered out is shown.
In one embodiment, it provides one or more and is stored with the computer-readable non-volatile of computer-readable instruction Property storage medium, when computer-readable instruction is executed by one or more processors so that one or more processors execute with Lower step:The pre-tax salary for obtaining kinsfolk calculates corresponding pay after tax according to pre-tax salary;Obtain credit information, root Repayment amount is calculated according to credit information;Record pay after tax, repayment amount and spending amount;Obtain a variety of financing information, root Calculate corresponding financing income according to pay after tax, repayment amount, spending amount and financing information.
In one embodiment, following steps are also executed when computer-readable instruction is executed by processor:Financing is obtained to close Key word screens a variety of financing information according to financing keyword;The financing information filtered out is shown.
In one embodiment, following steps are also executed when computer-readable instruction is executed by processor:Obtain financing letter Corresponding browsing record is ceased, extraction financing keyword is recorded according to browsing;A variety of financing information are carried out according to financing keyword Screening;The financing information filtered out is shown.
One of ordinary skill in the art will appreciate that realizing all or part of flow in above-described embodiment method, being can be with Relevant hardware is instructed to complete by computer-readable instruction, it is non-volatile that the computer-readable instruction can be stored in one Property computer read/write memory medium in, the computer-readable instruction is when being executed, it may include as above-mentioned each method embodiment Flow.Wherein, the storage medium can be magnetic disc, CD, read-only memory (Read-Only Memory, ROM) Deng.
Each technical characteristic of embodiment described above can be combined arbitrarily, to keep description succinct, not to above-mentioned reality It applies all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited In contradiction, it is all considered to be the range of this specification record.
Several embodiments of the invention above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneously It cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the art It says, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the protection of the present invention Range.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.

Claims (10)

1. a kind of household finance manages system, which is characterized in that the system comprises:
Wage program module, the pre-tax salary for obtaining kinsfolk calculate corresponding after-tax work according to the pre-tax salary Money, spreadsheet module is sent to by the pay after tax;
Refund program module calculates repayment amount, by the repayment amount for obtaining credit information according to the credit information It is sent to spreadsheet module;
Spreadsheet module, for recording pay after tax, repayment amount and spending amount;
Manage money matters program module, for obtaining a variety of financing information, according to the pay after tax, repayment amount, spending amount and Information of managing money matters calculates corresponding financing income.
2. system according to claim 1, which is characterized in that the refund program module, which is additionally operable to obtain, starts repayment date Phase, interest rate modification date and payment beforehand date utilize the date that starts to refund, interest rate modification date and described The payment beforehand date calculates the corresponding refund period, utilizes refund period loan interest rate corresponding with the period of refunding Calculate separately different refund periods corresponding refund information.
3. system according to claim 1, which is characterized in that the financing program module is additionally operable to obtain preset financing Keyword screens a variety of financing information according to the financing keyword, the financing information filtered out is shown.
4. system according to claim 1, which is characterized in that the financing program module is additionally operable to obtain browsing record, Extraction financing keyword is recorded according to the browsing, a variety of financing information are screened according to the financing keyword, will be sieved The financing information selected is shown.
5. system according to claim 1, which is characterized in that the spreadsheet module is additionally operable to scanning consumption authority, Article of consumption and corresponding spending amount are obtained, the article of consumption and corresponding spending amount are recorded.
6. system according to claim 1, which is characterized in that the system also includes notes program modules, for recording It is corresponding to inquire the prompt cipher by the password dictionary for a variety of accounts, corresponding prompt cipher and password dictionary True password.
7. a kind of household finance management method, including:
The pre-tax salary for obtaining kinsfolk calculates corresponding pay after tax according to the pre-tax salary;
Credit information is obtained, repayment amount is calculated according to the credit information;
Record pay after tax, repayment amount and spending amount;
A variety of financing information are obtained, it is corresponding according to the pay after tax, repayment amount, spending amount and financing information measuring and calculating Financing income.
8. the method according to the description of claim 7 is characterized in that the method further includes:
Financing keyword is obtained, a variety of financing information are screened according to the financing keyword;
The financing information filtered out is shown.
9. a kind of terminal, including memory and processor, computer-readable instruction, described instruction quilt are stored in the memory When the processor executes so that the processor perform claim requires the step of any one of 7-8 the methods.
10. one or more is stored with the computer-readable non-volatile memory medium of computer-readable instruction, computer-readable When instruction is executed by one or more processors so that one or more processors perform claim requires any one of 7-8 institutes The step of stating method.
CN201710618303.3A 2017-07-26 2017-07-26 Household finance manages system, method, terminal and storage medium Pending CN108510376A (en)

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Application publication date: 20180907