CN104616152A - Method for preventing excessive consumption and electronic device - Google Patents
Method for preventing excessive consumption and electronic device Download PDFInfo
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- CN104616152A CN104616152A CN201510024715.5A CN201510024715A CN104616152A CN 104616152 A CN104616152 A CN 104616152A CN 201510024715 A CN201510024715 A CN 201510024715A CN 104616152 A CN104616152 A CN 104616152A
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Abstract
The invention discloses a method for preventing excessive consumption. The method comprises the following steps: the electronic device obtains the consumption balance of a user in a first preset time period; the electronic device determines whether the consumption balance exceeds an estimated value; if not, the electronic device determines whether the number of types of merchandises bought by the user in the first preset time period exceeds a preset value, and if not, the electronic device records the information of the types of merchandises bought by the user; the electronic devices determines whether the remaining undrawn of the user in the second preset time period is minus, and if not, the electronic device determines that the consumption balance of the user reaches the estimated value continuously for n times, and if so, the electronic device continuously sends a wrong password to a bank center for three times to lock the bank card. The invention also discloses the electronic device. According to the method, when the user buys merchandises by swiping cards, the user can be effectively prevented from excessive consumption.
Description
Technical field
The present invention relates to electronic technology field, particularly relate to a kind of method and the electronic equipment that prevent overconsumption.
Background technology
Along with the development of science and technology, the level of people's life is more and more higher.Shopping of going window-shopping has been program indispensable during people live.Many people see inside clothes shop tinkling of jades meet the eye on every side clothes time, will produce impulsion clothes is bought back home, give no thought to oneself the need of.Therefore a lot of people can because see that the commodity oneself liked are acted on impulse, and will have purchased the commodity of a lot of identical type by bankcard consumption.Or many people are when forgetting consideration oneself income, commodity are bought in excessive consumption, thus considerably beyond individual paying ability, people are just found after disposable purchase commodity are gone back home, and the income of oneself is by remaining little of spending.
In sum, be necessary to provide a kind of method of overconsumption and electronic equipment of preventing to solve the problem.
Summary of the invention
The technical matters that the present invention mainly solves is to provide a kind of method and the electronic equipment that prevent overconsumption, can effectively prevent user's overconsumption.
For solving the problems of the technologies described above, the technical scheme that the present invention adopts is: provide a kind of method preventing overconsumption, it comprises: electronic equipment obtains the consumption remaining sum of user in the first preset time period; Electronic equipment judges whether the consumption remaining sum of user in the first preset time period exceedes estimated value; Electronic equipment, when judging that the consumption remaining sum of user in the first preset time period does not exceed estimated value, judges whether the quantity of the type of merchandise that user buys in the first preset time period exceedes default value; Electronic equipment is when judging that the quantity of the type of merchandise that user buys in the first preset time period does not exceed default value, the information of the type of merchandise that recording user is bought in the first preset time period, wherein information comprises the quantity of the type of merchandise and the price of the type of merchandise; Electronic equipment judges whether the residue amount of user in the second preset time period is negative further; Electronic equipment, when judging the residue amount of user in the second preset time period not as negative, judges whether the consumption remaining sum of user reaches estimated value n time continuously further, wherein n be greater than 2 integer; Electronic equipment is judging that continuous estimated value or the electronic equipment of reaching for n time of the consumption remaining sum of user is when judging that the residue amount of user in the second preset time period is negative, electronic equipment sends 3 bad passwords continuously to bank center to pin bank card when judging that user needs bankcard consumption, thus prevents user card punching from consuming; Wherein, the second preset time period and the first preset time period are time adjacent segments, and the time span of the second preset time period and the first preset time period is equal, and the second preset time period is more Zao than the first preset time period.
Wherein, the method also comprises: judge the residue amount of user in the second preset time period be whether the step of negative in a satisfied pre-conditioned lower execution, pre-conditioned for: electronic equipment is judging that the consumption remaining sum of user in the first preset time period exceedes estimated value or electronic equipment is judging that the quantity of the type of merchandise that user buys in the first preset time period exceedes default value.
Wherein, the method also comprises: electronic equipment judge the consumption remaining sum of user continuous do not reach for n time estimated value or electronic equipment send continuously when judging that user needs bankcard consumption 3 bad passwords to bank center to pin bank card time, reminding user account balance.
Wherein, electronic equipment sends 3 bad passwords continuously and comprises with the step of pinning bank card to bank center when judging that user needs bankcard consumption: electronic equipment judges whether that unlatching prevents switch of swiping the card; Electronic equipment, when judging that unlatching prevents from swiping the card switch, judges that user is the need of bankcard consumption; Electronic equipment when judging that user needs bankcard consumption, activated user input error password; Electronic equipment judges whether the time of user's input error password exceedes Preset Time; Electronic equipment when judging that the time of user's input error password exceedes Preset Time, stochastic generation bad password, and continuous 3 times send bad passwords to bank center to pin bank card.
Wherein, during electronic equipment activated user input error password, sealing user manually inputted is encoded into bad password, and continuous 3 times send bad passwords to bank center to pin bank card.
For solving the problems of the technologies described above, another technical solution used in the present invention is: provide a kind of electronic equipment, it comprises: consumption statistic module, for obtaining the consumption remaining sum of user in the first preset time period; First consumption judge module, for judging whether the consumption remaining sum of user in the first preset time period exceedes estimated value; Commodity statistics module, for when the first consumption judge module judges that the consumption remaining sum of user in the first preset time period does not exceed estimated value, judges whether the quantity of the type of merchandise that user buys in the first preset time period exceedes default value; Inventory records module, during for judging that the quantity of the type of merchandise that user buys in the first preset time period does not exceed default value in commodity statistics module, the information of the type of merchandise that recording user is bought in the first preset time period, wherein information comprises the quantity of the type of merchandise and the price of the type of merchandise; Second consumption judge module, for judging whether the residue amount of user in the second preset time period is negative further; 3rd consumption judge module, for second consumption judge module judge the residue amount of user in the second preset time period not as negative time, judge whether the consumption remaining sum of user reaches estimated value n time continuously, wherein n be greater than 2 integer; Prevent module of swiping the card, for the 3rd consumption judge module judge the consumption remaining sum of user continuous reach for n time estimated value or second consume judge module judge that the residue amount of user in the second preset time period is negative time, send 3 bad passwords continuously when judging that user needs bankcard consumption to bank center to pin bank card, thus prevent user card punching from consuming; Wherein, the second preset time period and the first preset time period are time adjacent segments, and the time span of the second preset time period and the first preset time period is equal, and the second preset time period is more Zao than the first preset time period.
Wherein, second consumption judge module the first consumption judge module judge the consumption remaining sum of user in the first preset time period exceed estimated value or commodity statistics module judge that the quantity of the type of merchandise that user buys in the first preset time period exceedes default value time, judge whether the residue amount of user in the second preset time period is negative further.
Wherein, electronic equipment also comprises: prompting module, for judge at the 3rd consumption judge module the consumption remaining sum of user continuous do not reach estimated value for n time or the module that prevents from swiping the card send continuously when judging that user needs bankcard consumption 3 bad passwords to bank center to pin bank card time, reminding user account balance.
Wherein, the module that prevents from swiping the card comprises: switch judging unit of swiping the card, for judging whether that unlatching prevents switch of swiping the card; To swipe the card unit, for when switch judging unit of swiping the card judges that unlatching prevents from swiping the card switch, judge that user is the need of bankcard consumption; Password Input unit, for when the unit judges user that swipes the card needs bankcard consumption, activated user input error password; Time judging unit, for judging whether the time of user's input error password exceedes Preset Time; Password transmitting element, during for judging that the time of user's input error password exceedes Preset Time at time judging unit, stochastic generation bad password, and continuous 3 times send bad passwords to bank center to pin bank card.
Wherein, the module that prevents from swiping the card also comprises: manual input block, and for when Password Input unit triggers user input error password, sealing user manually inputted is encoded into bad password, and sends bad passwords for 3 times to bank center to pin bank card continuously.
The invention has the beneficial effects as follows: the situation being different from prior art, the embodiment of the present invention obtains the consumption remaining sum of user in the first preset time period by electronic equipment; Then electronic equipment judges whether consumption remaining sum exceedes estimated value, and if not, then electronic equipment judges whether the quantity of the type of merchandise that user buys in the first preset time period exceedes default value; If not, then the information of the type of merchandise bought of electronic equipment recording user; Electronic equipment judges whether the residue amount of user in the second preset time period is negative; If not, then electronic equipment judges whether the consumption remaining sum of user reaches estimated value n time continuously; If so, then electronic equipment sends 3 bad passwords to bank center continuously to pin bank card, makes user need to pin during bankcard consumption the bank card of user, can effectively prevent user's overconsumption.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet that the present invention prevents method one embodiment of overconsumption;
Fig. 2 is the sub-step schematic flow sheet of step S107 in Fig. 1;
Fig. 3 is the module diagram of electronic equipment one embodiment of the present invention;
Fig. 4 prevents from swiping the card the module diagram of module in Fig. 3.
Embodiment
Below in conjunction with drawings and embodiments, the present invention is described in detail.
As shown in Figure 1, Fig. 1 is the schematic flow sheet that the present invention prevents method one embodiment of overconsumption, and the method comprises the following steps:
Step S101: electronic equipment obtains the consumption remaining sum of user in the first preset time period.
In step S101, user manually inputs the consumption remaining sum in the first preset time period on an electronic device, this consumption remaining sum can be the remaining sum of having consumed at present in the first preset time period, also can be the remaining sum of having consumed at present and the ratio value can arranging full amount.
Should understand, the all right consumption remaining sum of automatic acquisition user in the first preset time period of electronic equipment, during user's brush bank card consumption, from the short message that bank returns, obtain the consumption value of user card punching, and by the consumption remaining sum of consumption value counting user in the first preset time period.
Step S102: electronic equipment judges whether the consumption remaining sum of user in the first preset time period exceedes estimated value.
In step s 102, estimated value is the value that user is arranged, and estimated value preferably can arrange the half of full amount.In addition, estimated value also can be consumption remaining sum and can arrange the ratio value of full amount, and preferably, consumption remaining sum is 70% with the ratio value can arranging full amount.
If electronic equipment judges user, the consumption remaining sum in the first preset time period does not exceed estimated value, as the consumption remaining sum of user in the first preset time period does not exceed the half can arranging full amount, perform step S103: electronic equipment judges whether the quantity of the type of merchandise that user buys in the first preset time period exceedes default value.
Wherein, the type of merchandise comprises clothes, shoes, cosmetics, food, electronic product or other commodity etc.Default value by user in the first preset time period the maximum number value of the purchase type of merchandise.
If electronic equipment judges that the quantity of the type of merchandise that user buys in the first preset time period does not exceed default value, then perform step S104: the information of the type of merchandise that electronic equipment recording user is bought in the first preset time period.
Wherein, information comprises the quantity of the type of merchandise and the price of the type of merchandise, as the number of packages of shoes and the price of shoes.
As execution of step S104, or electronic equipment judges that the consumption remaining sum of user in the first preset time period exceedes estimated value, as the consumption remaining sum of user in the first preset time period exceedes the half can arranging full amount, or electronic equipment judges that the quantity of the type of merchandise that user buys in the first preset time period exceedes default value, then perform step S105: electronic equipment judges whether the residue amount of user in the second preset time period is negative further.
In the present embodiment, the second preset time period and the first preset time period are time adjacent segments, and the time span of the second preset time period and the first preset time period is equal, and the second preset time period is more Zao than the first preset time period.Preferably, the time span of the second preset time period and the first preset time period is one month, if the first preset time period is May, then the second preset time period is April.
If when electronic equipment judges the residue amount of user in the second preset time period not as negative, then perform step S106: electronic equipment judges whether the consumption remaining sum of user reaches estimated value n time continuously further.
Wherein, n be greater than 2 integer, preferably, n is 2.In step s 106, mainly judge whether the consumption remaining sum of user whether in continuous some months exceedes estimated value, consumption remaining sum as April exceedes estimated value, and the consumption remaining sum in May exceedes estimated value, then show that the consumption remaining sum of user exceeded preset value continuous 2 times in 2 months.When n is 3, the consumption remaining sum in April exceedes estimated value, and the consumption remaining sum in May exceedes estimated value, when the consumption remaining sum in June also exceedes preset value, then shows that the consumption remaining sum of user exceeded preset value continuous 3 times in 3 months.
If electronic equipment is when judging that the consumption remaining sum of user is continuous and not reaching estimated value n time, then perform step S108: electronic equipment reminding user account balance.
In step S108, electronic equipment also shows user at Offered target simultaneously, when the consumption remaining sum over-expense of user, as the house property of purchase 100 square meter that user is arranged, then can point out user, according to current consumption, " your target of buying house is broken "; The target arranged as user is buying car, then point out user " your buying car target is broken ", can bring certain pressure psychologically like this, thus reduce the possibility that user carries out impulsion consumption to user.
If electronic equipment is judging that continuous estimated value or the electronic equipment of reaching for n time of the consumption remaining sum of user is when judging that the residue amount of user in the second preset time period is negative, then perform step S107: electronic equipment sends 3 bad passwords continuously to bank center to pin bank card when judging that user needs bankcard consumption, thus prevents user card punching from consuming.
As shown in Figure 2, Fig. 2 is the sub-step schematic flow sheet of step S107 in Fig. 1, and this sub-step comprises the following steps:
Step S1071: electronic equipment judges whether that unlatching prevents switch of swiping the card.
In the present embodiment, electronic equipment is provided with and prevents switch of swiping the card, and preferably, after the consumption remaining sum of user in the first preset time period reaches estimated value, electronic equipment is automatically opened and prevented switch of swiping the card.Certainly, in other embodiments, user also manually openedly can prevent switch of swiping the card.
If electronic equipment judges do not have unlatching to prevent switch of swiping the card, then return step S108; If electronic equipment judges to have opened to prevent switch of swiping the card, then perform step S1072: electronic equipment judges that user is the need of bankcard consumption.
In step S1072, electronic equipment detects that user is when machine for punching the card is swiped the card and user does not also input password, and electronic equipment judges that user is current needs bankcard consumption.
If electronic equipment judges that user does not need bankcard consumption, namely electronic equipment does not detect that user swipes the card in machine for punching the card, then return step S108; If electronic equipment judges that user needs bankcard consumption, namely electronic equipment detects that user swipes the card in machine for punching the card, then perform step S1073: electronic equipment activated user input error password.
In step S1073, electronic equipment is with mode of vibration reminding user input error password on an electronic device.In the present embodiment, user can manual input error password on an electronic device, namely the sealing that user manually inputs by electronic equipment is encoded into bad password, and sends bad passwords for 3 times to bank center to pin bank card continuously, thus prevents user card punching from consuming; For considering that user inputs correct password sometimes, all passwords that therefore user manually can be inputted all are encoded into bad password.Preferably, electronic equipment can generation error password automatically.
No matter be manual input error password or automatic input error password, all free restriction, all can perform step S1074: electronic equipment judges whether the time of user's input error password exceedes Preset Time.
In step S1074, Preset Time is very short, as 5s (second), 3s or shorter, therefore, it is possible to make user after machine for punching the card is swiped the card, and user's input error password before machine for punching the card input password.
If electronic equipment judges that the time of user's input error password does not exceed Preset Time, continue to return step S1074, if electronic equipment judges that the time of user's input error password exceedes Preset Time, then perform step S1075: electronic equipment stochastic generation bad password, and send bad passwords for 3 times to bank center to pin bank card continuously, thus prevent user card punching from consuming.
After execution of step S1075, continue to return step S108.In the present embodiment, because user's consumption of getting excited can form the habit.Therefore for avoiding user to get excited consumption, electronic equipment can give prompting repeatedly at different time points; Specifically, can according to the purchasing habits setup times point voluntarily of swiping the card of user, because most people's shopping-time is weekend, so the time point of electronic apparatus system acquiescence be each Saturday and Sunday 09:00 in morning, noon 13:00 and afternoon 18:00, to perform step S108 3 times respectively by three time points.Certainly, user can from edlin or add corresponding reminder time point or the time cycle.
As shown in Figure 3, Fig. 3 is the module diagram of electronic equipment one embodiment of the present invention, and the electronic equipment in Fig. 3 is corresponding with the method in Fig. 1.In the present embodiment, electronic equipment is preferably wearable device, and as bracelet, certainly, electronic equipment also can be the electronic product that other are carried with.This electronic equipment comprises consumption statistic module 11, first to be consumed judge module 12, commodity statistics module 13, inventory records module 14, second consumption judge module 15, the 3rd consumption judge module 16, prevents swipe the card module 17 and prompting module 18.
Consumption statistic module 11 is for obtaining the consumption remaining sum of user in the first preset time period.Should be understood that consumption statistic module 11 can consume remaining sum by automatic acquisition, also manually can obtain the consumption remaining sum that user inputs at electronic equipment.Namely user often consumes once, just obtains consumption remaining sum.
First consumption judge module 12 is for judging whether the consumption remaining sum of user in the first preset time period exceedes estimated value.
Commodity statistics module 13, for when the first consumption judge module 12 judges that the consumption remaining sum of user in the first preset time period does not exceed estimated value, judges whether the quantity of the type of merchandise that user buys in the first preset time period exceedes default value.
When inventory records module 14 is for judging that the quantity of the type of merchandise that user buys in the first preset time period does not exceed default value in commodity statistics module 13, the information of the type of merchandise that recording user is bought in the first preset time period, wherein information comprises the quantity of the type of merchandise and the price of the type of merchandise, and the type of merchandise comprises clothes, shoes, cosmetics, food, electronic product or other commodity etc.
Second consumption judge module 15, for when the first consumption judge module 12 judges that the consumption remaining sum of user in the first preset time period does not exceed estimated value, judges whether the residue amount of user in the second preset time period is negative further.
In the present embodiment, the second preset time period and the first preset time period are time adjacent segments, and the time span of the second preset time period and the first preset time period is equal, and the second preset time period is more Zao than the first preset time period.Preferably, the time span of the second preset time period and the first preset time period is one month, if the first preset time period is May, then the second preset time period is April.
Second consumption judge module 15 also for when the second consumption judge module 13 judges that the quantity of the type of merchandise that user buys in the first preset time period exceedes default value or recorded the information of the type of merchandise that user buys in the first preset time period in inventory records module 14, judges whether the residue amount of user in the second preset time period is negative further.
3rd consumption judge module 16 for second consumption judge module 15 judge the residue amount of user in the second preset time period not as negative time, judge whether the consumption remaining sum of user reaches estimated value n time continuously, wherein n be greater than 2 integer.In order to effectively prevent user's overconsumption, preferably, n is 2,3,4 or other numerical value.
Prevent from swiping the card module 17 for judge at the 3rd consumption judge module 16 the consumption remaining sum of user continuous reach for n time estimated value or second consume judge module 15 judge that the residue amount of user in the second preset time period is negative time, send 3 bad passwords continuously when judging that user needs bankcard consumption to bank center to pin bank card, thus prevent user card punching from consuming.
As shown in Figure 4, Fig. 4 prevents from swiping the card the module diagram of module in Fig. 3, preventing from swiping the card, module 17 comprises switch judging unit 171 of swiping the card, unit 172 of swiping the card, Password Input unit 173, manual input block 174, time judging unit 175 and password transmitting element 176.
Swipe the card switch judging unit 171 for judging whether that unlatching prevents switch of swiping the card, and wherein, electronic equipment also comprises and prevents switch module (not shown) of swiping the card, and this switch module that prevents from swiping the card prevents for opening switch of swiping the card.
Swipe the card unit 172 for when switch judging unit 171 of swiping the card judges that unlatching prevents from swiping the card switch, judges that user is the need of bankcard consumption.
When Password Input unit 173 needs bankcard consumption for judging user at unit 172 of swiping the card, activated user input error password.
Time judging unit 175 is for judging whether the time of user's input error password exceedes Preset Time.
When password transmitting element 176 is for judging that the time of user's input error password exceedes Preset Time at time judging unit 175, stochastic generation bad password, and send bad passwords for 3 times to bank center to pin bank card continuously, thus prevent user card punching from consuming.
In addition, manual input block 174 is for when Password Input unit 173 activated user input error password, sealing user manually inputted is encoded into bad password, and send bad password for 3 times to bank center to pin bank card by password transmitting element 176 is continuous, thus prevent user card punching from consuming.
Prompting module 18 for judge at the 3rd consumption judge module 16 the consumption remaining sum of user continuous do not reach described estimated value for n time or the module 17 that prevents from swiping the card send continuously when judging that user needs bankcard consumption 3 bad passwords to bank center to pin bank card time, reminding user account balance.
In the present embodiment, electronic equipment also comprises an object module, for inputting the target that user needs to reach, as target or the buying car target of buying house.While prompting module 18 reminding user account balance, also can point out the target condition of user, namely show different consumption remaining sums and target according to current consumption.If the target of user's setting is for buying house, when customer consumption remaining sum is overspend, user can be pointed out " your target of buying house is broken "; The target arranged as user is buying car, then point out user " your buying car target is broken ", can bring certain pressure psychologically like this, thus reduce the possibility that user carries out impulsion consumption to user.
In addition, when the consumption remaining sum over-expense of user, prompting module 18 can according to different time points prompting user.Can according to the purchasing habits setup times point voluntarily of swiping the card of user, because most people's shopping-time is weekend, so the time point of electronic apparatus system acquiescence be each Saturday and Sunday 09:00 in morning, noon 13:00 and afternoon 18:00, to perform step S108 3 times respectively by three time points.Certainly, user can from edlin or add corresponding reminder time point or the time cycle.
In sum, the present invention obtains the consumption remaining sum of user in the first preset time period by electronic equipment; Then electronic equipment judges whether consumption remaining sum exceedes estimated value, and if not, then electronic equipment judges whether the quantity of the type of merchandise that user buys in the first preset time period exceedes default value; If not, then the information of the type of merchandise bought of electronic equipment recording user; Electronic equipment judges whether the residue amount of user in the second preset time period is negative; If not, then electronic equipment judges whether the consumption remaining sum of user reaches estimated value n time continuously; If, then electronic equipment sends 3 bad passwords to bank center continuously to pin bank card, user is made to need to pin during bankcard consumption the bank card of user, allow user can not bankcard consumption again in 24 hours, in addition, electronic equipment also can reminding user account balance after the bank card of user pins, to bring certain pressure to user psychologically, thus reduce the possibility that user carries out impulsion consumption, can effectively prevent user's overconsumption.
The foregoing is only embodiments of the present invention; not thereby the scope of the claims of the present invention is limited; every utilize instructions of the present invention and accompanying drawing content to do equivalent structure or equivalent flow process conversion; or be directly or indirectly used in other relevant technical fields, be all in like manner included in scope of patent protection of the present invention.
Claims (10)
1. prevent a method for overconsumption, it is characterized in that, described method comprises:
Electronic equipment obtains the consumption remaining sum of user in the first preset time period;
Described electronic equipment judges whether the described consumption remaining sum of described user in described first preset time period exceedes estimated value;
Described electronic equipment, when judging that the described consumption remaining sum of described user in described first preset time period does not exceed estimated value, judges whether the quantity of the type of merchandise that described user buys in described first preset time period exceedes default value;
Described electronic equipment is when judging that the quantity of the type of merchandise that described user buys in described first preset time period does not exceed default value, record the information of the type of merchandise that described user buys in described first preset time period, wherein said information comprises the quantity of the described type of merchandise and the price of the described type of merchandise;
Described electronic equipment judges whether the residue amount of described user in the second preset time period is negative further;
Described electronic equipment, when judging the residue amount of described user in described second preset time period not as negative, judges whether the consumption remaining sum of described user reaches described estimated value for n time continuously further, wherein n be greater than 2 integer;
Described electronic equipment is judging that continuous described estimated value or the described electronic equipment of reaching for n time of the consumption remaining sum of described user is when judging that the residue amount of described user in described second preset time period is negative, described electronic equipment sends 3 bad passwords continuously to bank center to pin bank card when judging that described user needs bankcard consumption, thus prevents described user card punching from consuming;
Wherein, described second preset time period and described first preset time period are time adjacent segments, and the time span of described second preset time period and described first preset time period is equal, and described second preset time period is more Zao than described first preset time period.
2. method according to claim 1, is characterized in that, described method also comprises:
Described judge the residue amount of described user in the second preset time period be whether the step of negative in a satisfied pre-conditioned lower execution, be describedly pre-conditionedly:
Described electronic equipment is judging that the described consumption remaining sum of described user in described first preset time period exceedes estimated value or described electronic equipment is judging that the quantity of the type of merchandise that described user buys in described first preset time period exceedes default value.
3. method according to claim 1, is characterized in that, described method also comprises:
Described electronic equipment judge the consumption remaining sum of described user continuous do not reach for n time described estimated value or described electronic equipment send continuously when judging that described user needs bankcard consumption 3 bad passwords to bank center to pin bank card time, remind described user account remaining sum.
4. method according to claim 1, is characterized in that, described electronic equipment sends 3 bad passwords continuously and comprises with the step of pinning bank card to bank center when judging that described user needs bankcard consumption:
Described electronic equipment judges whether that unlatching prevents switch of swiping the card;
Described electronic equipment, when judging that unlatching prevents from swiping the card switch, judges that described user is the need of bankcard consumption;
Described electronic equipment, when judging that described user needs bankcard consumption, triggers described user's input error password;
Described electronic equipment judges whether the time of described user's input error password exceedes Preset Time;
Described electronic equipment when judging that the time of described user's input error password exceedes Preset Time, stochastic generation bad password, and continuous send for 3 times described bad password to described bank center to pin described bank card.
5. method according to claim 4, it is characterized in that, when described electronic equipment triggers described user's input error password, the sealing that described user manually inputs is encoded into described bad password, and continuous send for 3 times described bad password to described bank center to pin described bank card.
6. an electronic equipment, is characterized in that, described electronic equipment comprises:
Consumption statistic module, for obtaining the consumption remaining sum of user in the first preset time period;
First consumption judge module, for judging whether the described consumption remaining sum of described user in described first preset time period exceedes estimated value;
Commodity statistics module, for when described first consumption judge module judges that the described consumption remaining sum of described user in described first preset time period does not exceed estimated value, judge whether the quantity of the type of merchandise that described user buys in described first preset time period exceedes default value;
Inventory records module, during for judging that the quantity of the type of merchandise that described user buys in described first preset time period does not exceed default value in described commodity statistics module, record the information of the type of merchandise that described user buys in described first preset time period, wherein said information comprises the quantity of the described type of merchandise and the price of the described type of merchandise;
Second consumption judge module, for judging whether the residue amount of described user in the second preset time period is negative further;
3rd consumption judge module, for when described second consumption judge module judges the residue amount of described user in described second preset time period not as negative, judge whether the consumption remaining sum of described user reaches described estimated value for n time continuously, wherein n be greater than 2 integer;
Prevent module of swiping the card, for described 3rd consumption judge module judge the consumption remaining sum of described user continuous reach for n time described estimated value or described second consume judge module judge that the residue amount of described user in the second preset time period is negative time, send 3 bad passwords continuously when judging that described user needs bankcard consumption to bank center to pin bank card, thus prevent described user card punching from consuming;
Wherein, described second preset time period and described first preset time period are time adjacent segments, and the time span of described second preset time period and described first preset time period is equal, and described second preset time period is more Zao than described first preset time period.
7. electronic equipment according to claim 6, is characterized in that,
Described second consumption judge module described first consumption judge module judge the described consumption remaining sum of described user in described first preset time period exceed estimated value or described commodity statistics module judge that the quantity of the type of merchandise that described user buys in described first preset time period exceedes default value time, judge whether the residue amount of described user in the second preset time period is negative further.
8. electronic equipment according to claim 6, is characterized in that, described electronic equipment also comprises:
Prompting module, for judge at described 3rd consumption judge module the consumption remaining sum of described user continuous do not reach for n time described estimated value or described in prevent from swiping the card module send continuously when judging that described user needs bankcard consumption 3 bad passwords to bank center to pin bank card time, remind described user account remaining sum.
9. electronic equipment according to claim 6, is characterized in that, described in the module that prevents from swiping the card comprise:
To swipe the card switch judging unit, for judging whether that unlatching prevents switch of swiping the card;
To swipe the card unit, for when described switch judging unit of swiping the card judges that unlatching prevents from swiping the card switch, judge that described user is the need of bankcard consumption;
Password Input unit, for when the described user described in unit judges that swipes the card needs bankcard consumption, triggers described user's input error password;
Time judging unit, for judging whether the time of described user's input error password exceedes Preset Time;
Password transmitting element, during for judging that the time of described user's input error password exceedes Preset Time at described time judging unit, stochastic generation bad password, and continuous send for 3 times described bad password to described bank center to pin described bank card.
10. electronic equipment according to claim 9, is characterized in that, described in the module that prevents from swiping the card also comprise:
Manual input block, for described in described Password Input unit triggers during user's input error password, the sealing that described user manually inputs is encoded into described bad password, and continuous send for 3 times described bad password to described bank center to pin described bank card.
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