CN101192283A - Portable information terminal personal account service method - Google Patents
Portable information terminal personal account service method Download PDFInfo
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- CN101192283A CN101192283A CNA2006100979313A CN200610097931A CN101192283A CN 101192283 A CN101192283 A CN 101192283A CN A2006100979313 A CNA2006100979313 A CN A2006100979313A CN 200610097931 A CN200610097931 A CN 200610097931A CN 101192283 A CN101192283 A CN 101192283A
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- personal account
- portable information
- information terminal
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Abstract
The invention relates to a personal account service method of a portable information terminal machine, which comprises the following steps: a step of storing a calculation result which is calculated under a connected network in a database; a step of confirming the identification of a user, and permitting the user to use the calculation information under a disconnected network, when a personal account is selected; a step of selecting and enquiring a period and a transaction item of calculation details; a step of collecting calculation results corresponding to the selected enquired period and transaction item in the database; and a step of statistically analyzing funds of income and expense according to the using category from the collected calculation result, and outputting corresponding information finally. Therefore, the user can use the electronic calculation information stored in the terminal machine at a place where the user can not log on the internet, and can sort calculation details of a specific period, thereby playing an effect of managing personal possession.
Description
Technical field
The present invention relates to a kind of personal account method of servicing of portable information terminal, particularly a kind of the connection under the state of the Internet, be kept at electronic accounting information in the database and manage; Disconnecting under the state that network connects,, the income expenditure that takes place in during certain is carried out statistical study, and a kind of portable information terminal personal account service method of clearing detail is provided according to the settlement information of being stored.
Background technology
It is the credit settlement function that carry out on the basis that existing portable information terminal has with the ecommerce, Internet-based banking services function, transportation card business function.Credit settlement is to buy commodity by e-commerce transaction on the net, with the credit card payment commodity transaction amount of money; Web bank is on the net by entering banking system safely, carry out business such as save, inquire about, withdraw cash; Traffic card function is the function of when taking bus transportation expenses being settled accounts.Price settlement information such as the credit card payment information in the portable information terminal, internet bank trade information, transportation card business information are conveyed to the account settlement server of credit card, bank, transportation card respectively, send settlement requests by account settlement server to the payment funding account of registration more afterwards.
The credit settlement service provider is sent on the mobile communication terminal by the result of Word message with credit settlement.When the user selects the terminating machine clearing as means of settlement, at first need to import telephone number, by Word message the credit settlement identifying code is sent to the user, again by user's input validation sign indicating number by the credit settlement service provider, credit settlement is confirmed, finished capital settlement.
The user is when using credit card, Web bank, transportation card, though can confirm to the credit settlement result, but can't confirm the settlement information between given period, thereby can not confirm, and it is used for credit settlement personal property and corresponding amount of money expenditure.
At this problem, a kind of proprietary management method appears, be about to various property categories such as individual financial transaction, accounts information, credit card, debt, cash and register, the user to online provides corresponding information again, thereby realizes the integrated management to personal property.Mobile communication terminal or portable information terminal are connected by carrying out network with the personal property information server, send the proprietary services request to the personal property information server, the proprietary server provides corresponding proprietary to carrying out the terminating machine that network is connected with it, thereby the administering of property service is provided.
Summary of the invention
According to aforesaid prior art, the user need utilize the terminating machine that is connected with network, personal property information is confirmed, and according to personal property situation decision credit settlement, thus management individual's property.But in the place that can't surf the Net, the user then can not confirm the property of oneself, thereby can not formulate the personal property governing plan.
Therefore, the present invention is as the solution of the problems referred to above, aim to provide a kind of personal account method of servicing of portable information terminal, with network connection state under, electronic accounting information is saved in the database of terminating machine and manages, when disconnecting network and connect, utilize the electronic accounting information of storing in the database, income expenditure between given period is carried out statistical study, provide corresponding clearing detailed.
For achieving the above object, portable information terminal personal account service method provided by the present invention is characterized in that comprising following implementation step: the step that the checkout result of settling accounts under the network connection state is stored in database; Under the state that disconnects network, when selecting the personal account project, program is confirmed user's identity, allows to use the step of settlement information; Select the inquiry clearing detailed during, the step of trading item; From database, reach the step of the corresponding checkout result of trading item during collection and the selected inquiry; According to the revenue and expenditure fund classification of the checkout result of collecting, carry out statistical study respectively, export the step of corresponding information at last.
As above-mentioned detailed description, the present invention deposits electronic accounting information in the database under network connection state and manages, and under the network off-state, uses the electronic accounting information of being stored that the income/expenditure between given period is carried out statistical study, provides clearing detailed.Like this, when the user needs corresponding credit settlement information, need not online, can carry out the emphasis arrangement on request to the clearing detail between given period, play the effect of management personal property by the electronic accounting information of being stored in the terminating machine.
Description of drawings
Fig. 1 is that the present invention will be described, the synoptic diagram of expression portable information terminal electronic accounting environment.
Fig. 2 is according to one embodiment of the present of invention, the exemplary plot of the personal account service operations of expression portable information terminal personal account service method.
Embodiment
Below, with reference to accompanying drawing, an example of the present invention is elaborated.
Fig. 1 is that the present invention will be described, the synoptic diagram of the electronic accounting environment of expression portable information terminal.
Fig. 2 is according to one embodiment of the present of invention, the exemplary plot of the personal account method of servicing operation of expression portable information terminal.As shown in the figure, method of the present invention realizes by following steps: the step that the checkout result of settling accounts under the network connection state is stored in database; Under the state that disconnects network, when the user selected the personal account project, system confirmed user's identity, allows the user to use the step of settlement information; Select the inquiry clearing detailed during, the step of trading item; When the trading item of selecting is card clearing detail, inquire about according to projects such as payment in full, monthly payment plan, cash services, and the step of output statistical data; When the trading item of selecting is income/expenditure/money transfer transactions, the income/expenditure/money transfer transactions in 1 year is carried out statistical study, and export the step of corresponding information; To settle accounts detailed, transaction details and add up output, and show income/expenditure present situation respectively according to the character of detail, and the transaction data during the difference is compared the step of output by the trading time period division according to diagrammatic form.
Suppose that the user carries out credit settlement by portable information terminal to Web bank, credit card, transportation card, ecommerce, the user accepts the personal account service under the state that disconnects the network connection, the clearing detail between given period is confirmed.
The user is connected to shopping website by the explorer of portable information terminal, selects own needed commodity, and selects to use credit card as means of payment, and this moment, the user imported card number, identifying code.
Portable information terminal carries out encipherment with settlement process to be handled, and the checkout result registration is stored in the database of terminating machine.Like this, portable information terminal can carry out credit settlement respectively to Web bank, credit card, transportation card, e-commerce transaction, according to Business Nature different classes of checkout result is stored in the database respectively simultaneously.
If the user selects the personal account menu of portable information terminal, terminating machine will be verified user's identity by modes such as fingerprint recognition, password input, iris recognition, transmit settlement information to the user.
Portable information terminal according to the inquiry during, trading item output information.According to during the selected inquiry of user, trading item, in database, collect corresponding checkout result, and carry out statistical study.Above-mentioned terminating machine carries out statistical study and output respectively according to the use classes of revenue and expenditure fund in the checkout result of collecting.
The user can select monthly/by the week/detailed by inquiry clearing between given period, if the selection card clearing as trading item, portable information terminal then can be inquired about by payment in full, monthly payment plan, cash service, and exports corresponding statistical data.In addition, except credit card payment, trading item also comprises the income/expenditure/money transfer transactions and the transportation card business of Web bank.
If be chosen as year during user's the inquiry, trading item is chosen as income/expenditure/money transfer transactions, and then portable information terminal can carry out statistical study to the income/expenditure/money transfer transactions in a year, the output transaction details.
Portable information terminal can also be exported transaction details according to the selected way of output of user by graphic statistics, demonstrate different classes of income/expenditure present situation, and carries out transaction data comparison and output according to the transaction situation during the difference.
Claims (2)
1. the personal account method of servicing of a portable information terminal is characterized in that, comprises following several steps:
The checkout result of settling accounts under the network connection state is stored in the step of database;
Under the state that disconnects network, when selecting personal account, user's identity is confirmed, allow the user to use the step of settlement information;
Select the inquiry clearing detailed during, the step of trading item;
From database, reach the step of the corresponding checkout result of trading item during collection and the selected inquiry;
According to the classification of revenue and expenditure fund in the checkout result of collecting, carry out statistical study, export the step of corresponding information at last.
2. portable information terminal personal account service method as claimed in claim 1, it is characterized in that, the statistical study of described checkout result is that clearing detail, transaction details are added up and output with the form of chart, demonstrate the income/expenditure present situation of respective classes, and the transaction data during the difference is compared output by the time division.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100979313A CN101192283A (en) | 2006-11-22 | 2006-11-22 | Portable information terminal personal account service method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100979313A CN101192283A (en) | 2006-11-22 | 2006-11-22 | Portable information terminal personal account service method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101192283A true CN101192283A (en) | 2008-06-04 |
Family
ID=39487261
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2006100979313A Pending CN101192283A (en) | 2006-11-22 | 2006-11-22 | Portable information terminal personal account service method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101192283A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105243482A (en) * | 2015-09-29 | 2016-01-13 | 盐城工学院 | Android C/S architecture based personal finance assistance system |
| CN106991518A (en) * | 2017-01-18 | 2017-07-28 | 武汉中软通证信息技术有限公司 | Funds transaction analysis method and system based on mobile terminal |
-
2006
- 2006-11-22 CN CNA2006100979313A patent/CN101192283A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105243482A (en) * | 2015-09-29 | 2016-01-13 | 盐城工学院 | Android C/S architecture based personal finance assistance system |
| CN106991518A (en) * | 2017-01-18 | 2017-07-28 | 武汉中软通证信息技术有限公司 | Funds transaction analysis method and system based on mobile terminal |
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| Date | Code | Title | Description |
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| C06 | Publication | ||
| PB01 | Publication | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Open date: 20080604 |