A kind of financial management system and method
Technical field
The present invention relates to financial management fields, more particularly relate to a kind of financial management system and method.
Background technology
With the raising that people take in, people’s lives level is greatly improved.Thus, how properly to manage money matters,
It increases wealth to improve quality of the life or realize their dream, it is that most people are particularly the salary rank with stable income to have become
Layer and white-collar life subject.Thus, household finance management has great significance for each family.
At present, the computer system that financial management has been developed to now by original hand-written account book is inputted and is counted, still, existing
The most computers book keeping operation software having only is merely that simply finance are recorded, and there is no carry out analysis management work(to finance
Energy.
In conclusion home-use financial management software of the prior art, exists and only simply finance is recorded,
The problem of there is no analysis management is carried out to finance.
Invention content
The embodiment of the present invention provides a kind of financial management system and method, only simple to solve to exist in the prior art
Ground records finance, and there is no to financial the problem of carrying out analysis management.
The embodiment of the present invention provides a kind of financial management system and method, including:Financial management computer and multiple movements
Terminal;
The financial management computer includes:Household finance manages APP;
The household finance management APP includes:Information association module, financial plan module, revenue control module, payout tube
Manage module, management of investment module, Financial Crisis Prediction module and safety management module;
Described information relating module, for bank's card number, name and the cell-phone number of each kinsfolk to be associated typing
Setting;
The financial plan module is received for typing family's anticipated revenue branch artificial situation interior for a period of time and projected investment
Beneficial damaed cordition counts the anticipated revenue branch artificial situation of each member and projected investment loss in revenue situation in a period of time, and mould
Intend the household finance situation in a period of time;
The revenue control module, for passing through the finance income feelings for each member of income record management for supervising bank card
Condition;
Control of expenditure module bank interface connection corresponding with each bank card;The control of expenditure module includes:Directly
Connect expenditure unit, condition expenditure unit and audit expenditure unit;
The direct expenditure unit is consumed for working as single spending amount less than single spending amount preset value and the same day
When total amount is less than same day consumption total amount preset value, amount paid, time, trading item and the transaction ground of bank card are recorded
Point;The condition pays unit, is audited for working as single spending amount more than single spending amount preset value less than the single amount of money
When preset value or same day consumption total amount are more than same day consumption total amount preset value less than same day amount of money audit preset value, authorize
The amount paid of bank card, time, trading item and loco are sent to the mobile terminal of householder by bank, and record bank
Amount paid, time, trading item and the loco of card;The audit expenditure unit, is more than for working as single spending amount
When the single amount of money audits preset value or same day consumption total amount more than same day amount of money audit preset value, locking bank of authorized bank
Card and the amount paid of bank card, time, trading item and loco are sent to the mobile terminal of householder, when receiving family
During the agreement expenditure information that main mobile terminal is sent, authorized bank's unlock bank card, and record bank card amount paid, when
Between, trading item and loco;
The management of investment module is connect with insurance company interface, and the management of investment module includes:Financing recording unit,
Financing analytic unit and information push unit;
The financing recording unit, for by insurance company's interface family finance loss in revenue situation and remembering
Record;The financing analytic unit for being analyzed and counted to all types of Investment & Financing situations, predicts Investment & Financing income,
Plan the investment orientation of next stage;Described information push unit, for passing through insurance company's interface Investment & Financing
Pushed information is simultaneously sent to the mobile terminal;
The Financial Crisis Prediction module, for household finance plan information, family income information, family's expenditure information and family
Front yard investing tip is analyzed, member's finance when household finance exceeds beyond the financial wealth plan of finance and/or each member's finance
During plan, Financial Crisis Prediction signal is provided by the mobile terminal;
The safety management module, it is non-straight for the financial data involved in household finance management APP to be stored in
Access storage areas is connect, family accredited members access the financial data of indirect access storage areas by authentication information.
Preferably, the financial management computer and the mobile terminal are communicated by mobile radio communication.
Preferably, the mobile terminal is smart mobile phone.
Preferably, the household finance management APP is further included:The human-computer interaction module, for user's registration, input is used
Name in an account book and password are logged in and manage the data in APP to the household finance and be managed.
Preferably, the data in APP are managed to the household finance to be managed, including:To member number, name and
Income expenditure, which is formed, to be increased, is deleted, being changed, searching management.
Preferably, the household finance management APP is further included:Report generation module, for being believed according to household finance plan
Breath, family income information, family's expenditure information and family investment information generate various financial statements, and it is outside to pass through USB interface
Export or backup.
Preferably, the household finance plan information includes:Consumption plan, savings plan, insurance plan, investment plan,
Real estate program, pension fund plan and education fund plan.
A kind of financial management method provided in an embodiment of the present invention, including:
S1:Bank's card number, name and the cell-phone number of each kinsfolk are associated typing setting;
S2:Typing family's anticipated revenue branch artificial situation interior for a period of time and projected investment loss in revenue situation, statistics one
The anticipated revenue branch artificial situation of each member and projected investment loss in revenue situation in the section time, and simulate the family in a period of time
Financial situation;
S3:Finance income situation by each member of income record management for supervising bank card;
S4:Financial expenditures are supervised, are specifically included:
S41:When single spending amount is less than single spending amount preset value and same day consumption total amount less than same day consumption
During total amount preset value, amount paid, time, trading item and the loco of bank card are recorded;
S42:It is less than single amount of money audit preset value or the same day when single spending amount is more than single spending amount preset value
When consuming total amount and being more than same day consumption total amount preset value and be less than same day amount of money audit preset value, authorized bank is by bank card
Amount paid, time, trading item and loco are sent to the mobile terminal of householder, and record bank card amount paid,
Time, trading item and loco;
S43:When single spending amount is more than single amount of money audit preset value or same day consumption total amount more than the same day amount of money
When auditing preset value, authorized bank locks bank card and sends out the amount paid of bank card, time, trading item and loco
The mobile terminal of householder is given, when information is paid in the agreement that the mobile terminal for receiving householder is sent, authorized bank's unlock silver
Row card, and record amount paid, time, trading item and the loco of bank card;
S5:Managerial finance is invested, and is specifically included:
S51:By insurance company's interface family finance loss in revenue situation and record;
S52:All types of Investment & Financing situations is analyzed and counted, predicts Investment & Financing income, plans next stage
Investment orientation;
S53:By insurance company's interface Investment & Financing pushed information and it is sent to mobile terminal;
S6:Household finance plan information, family income information, family's expenditure information and family investment information are divided
Analysis, when household finance exceeds beyond the financial wealth plan of finance and/or each member's finance during member's financial plan, by it is mobile eventually
End provides Financial Crisis Prediction signal;
S7:The financial data that household finance is managed involved in APP is stored in indirect access storage areas, family registers
Member accesses the financial data of indirect access storage areas by authentication information.
Preferably, it is given birth to according to household finance plan information, family income information, family's expenditure information and family investment information
Into various financial statements, and pass through USB interface export or backup outward.
In the embodiment of the present invention, a kind of financial management system and method are provided, compared with prior art, advantage is such as
Under:
The present invention manages APP by being embedded household finance in home computer, by the bank card of kinsfolk and name,
Cell-phone number is associated with, and drafts financial plan, and family income expenditure and Investment & Financing are managed, and is believed according to household finance plan
Breath, family income expenditure information and investing tip provide Financial Crisis Prediction signal, and reliably household finance has been carried out efficiently comprehensively
Management;Further, by the way that household finance management APP is connect with bank interface, kinsfolk's expenditure is divided into directly expenditure, item
Part is paid and audit expenditure, and differentiated control has been carried out to family's expenditure;Further, by the way that household finance is managed APP and insurance
Company's interface connection, reliable analysis management has been carried out to family investment situation, and provides investing tip push.Function of the present invention
Various, domestic applications are with strong points, and provide data safety management function, have extensive market application foreground.
Description of the drawings
Fig. 1 is a kind of financial management system general principles block diagram provided in an embodiment of the present invention;
Fig. 2 is that the household finance in a kind of financial management system provided in an embodiment of the present invention manages APP functional block diagrams;
Fig. 3 is a kind of financial management method flow chart provided in an embodiment of the present invention.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art are obtained every other without making creative work
Embodiment shall fall within the protection scope of the present invention.
Fig. 1 is a kind of financial management system functional block diagram provided in an embodiment of the present invention.As shown in Figure 1, the system includes:
Financial management computer 1 and multiple mobile terminals 2;Financial management computer 1 includes:Household finance manages APP-11;Family's wealth
Business management APP-11 includes:Human-computer interaction module 111, information association module 112, financial plan module 113, revenue control module
114th, control of expenditure module 115, management of investment module 116, Financial Crisis Prediction module 117, safety management module 118 and report generation
Module 119.
It should be noted that financial management computer 1 and mobile terminal 2 are communicated by mobile radio communication;Wherein, it moves
Dynamic terminal 2 is smart mobile phone.
Wherein, human-computer interaction module 111, for user's registration, input username and password is logged in and to family
Data in financial management APP-11 are managed.
It is managed it should be noted that managing the data in APP-11 to household finance, including:To member's number, surname
Name and income expenditure, which are formed, to be increased, is deleted, being changed, searching management.
Wherein, information association module 112, for bank's card number, name and the cell-phone number of each kinsfolk to be associated
Typing is set.
Wherein, financial plan module 113 for typing family's anticipated revenue branch artificial situation interior for a period of time and it is expected that is thrown
Loss in revenue situation is provided, counts the anticipated revenue branch artificial situation of each member and projected investment loss in revenue situation in a period of time,
And simulate the household finance situation in a period of time.
Wherein, revenue control module 114, for passing through the finance income for each member of income record management for supervising bank card
Situation.
Wherein, the bank interface 3 corresponding with each bank card of control of expenditure module 115 connects;Control of expenditure module 115 is wrapped
It includes:Directly pay unit 1151, condition expenditure unit 1152 and audit expenditure unit 1153.Unit 1151 is directly paid, is used for
When single spending amount is less than single spending amount preset value and same day consumption total amount less than same day consumption total amount preset value
When, record amount paid, time, trading item and the loco of bank card;Condition pays unit 1152, disappears for working as single
Take the amount of money more than single spending amount preset value less than single amount of money audit preset value or same day consumption total amount more than the same day to disappear
Take total amount preset value less than the same day amount of money audit preset value when, authorized bank by the amount paid of bank card, the time, transaction item
Mesh and loco are sent to the mobile terminal 2 of householder, and record amount paid, time, trading item and the transaction of bank card
Place;Audit expenditure unit 1153, for working as single spending amount more than single amount of money audit preset value or the total gold of same day consumption
Volume be more than the same day amount of money audit preset value when, authorized bank locking bank card and by the amount paid of bank card, the time, transaction item
Mesh and loco are sent to the mobile terminal 2 of householder, when information is paid in the agreement that the mobile terminal 2 for receiving householder is sent
When, authorized bank's unlock bank card, and record amount paid, time, trading item and the loco of bank card.
Wherein, management of investment module 116 is connect with insurance company interface 4, and management of investment module 116 includes:Financing record
Unit 1161, financing analytic unit 1162 and information push unit 1163;Financing recording unit 1161, for passing through insurance company
Interface 4 receives family finance loss in revenue situation and records;Financing analytic unit 1162, for all types of Investment & Financing feelings
Condition analyzes and counts, and predicts Investment & Financing income, plans the investment orientation of next stage;Information push unit 1163, is used for
Investment & Financing pushed information is received by insurance company's interface 4 and is sent to mobile terminal 2.
Wherein, Financial Crisis Prediction module 117, for paying information to household finance plan information, family income information, family
It is analyzed with family investment information, the member when household finance exceeds beyond the financial wealth plan of finance and/or each member's finance
During financial plan, Financial Crisis Prediction signal is provided by mobile terminal 2.
Wherein, safety management module 118, it is non-for the financial data involved in household finance management APP-11 to be stored in
Direct access storage areas, family accredited members access the financial data of indirect access storage areas by authentication information.
Wherein, report generation module 119, for according to household finance plan information, family income information, family's expenditure letter
Breath and family investment information generate various financial statements, and pass through USB interface export or backup outward.
It should be noted that household finance plan information includes:Consumption plan, savings plan, insurance plan, investment meter
Draw, real estate program, pension fund plan and education fund plan.
In conclusion the present invention manages APP by being embedded household finance in home computer, by the bank of kinsfolk
Card is associated with name, cell-phone number, drafts financial plan, and family income expenditure and Investment & Financing are managed, and according to family
Financial plan information, family income expenditure information and investing tip provide Financial Crisis Prediction signal, comprehensively reliably to household finance
Efficient management is carried out;Further, by the way that household finance management APP is connect with bank interface, kinsfolk's expenditure is divided into
Directly expenditure, condition expenditure and audit expenditure have carried out differentiated control to family's expenditure;Further, by by household finance pipe
Reason APP is connect with insurance company interface, has carried out reliable analysis management to family investment situation, and provide investing tip and push away
It send.The present invention is vdiverse in function, and domestic applications are with strong points, and provide data safety management function, has the application of extensive market
Prospect.
Fig. 2 is a kind of financial management method flow chart provided in an embodiment of the present invention.As shown in Fig. 2, this method includes:
S1:Bank's card number, name and the cell-phone number of each kinsfolk are associated typing setting.
S2:Typing family's anticipated revenue branch artificial situation interior for a period of time and projected investment loss in revenue situation, statistics one
The anticipated revenue branch artificial situation of each member and projected investment loss in revenue situation in the section time, and simulate the family in a period of time
Financial situation.
S3:Finance income situation by each member of income record management for supervising bank card.
S4:Financial expenditures are supervised, are specifically included:
S41:When single spending amount is less than single spending amount preset value and same day consumption total amount less than same day consumption
During total amount preset value, amount paid, time, trading item and the loco of bank card are recorded.
S42:It is less than single amount of money audit preset value or the same day when single spending amount is more than single spending amount preset value
When consuming total amount and being more than same day consumption total amount preset value and be less than same day amount of money audit preset value, authorized bank is by bank card
Amount paid, time, trading item and loco are sent to the mobile terminal of householder, and record bank card amount paid,
Time, trading item and loco.
S43:When single spending amount is more than single amount of money audit preset value or same day consumption total amount more than the same day amount of money
When auditing preset value, authorized bank locks bank card and sends out the amount paid of bank card, time, trading item and loco
The mobile terminal of householder is given, when information is paid in the agreement that the mobile terminal for receiving householder is sent, authorized bank's unlock silver
Row card, and record amount paid, time, trading item and the loco of bank card.
S5:Managerial finance is invested, and is specifically included:
S51:By insurance company's interface family finance loss in revenue situation and record.
S52:All types of Investment & Financing situations is analyzed and counted, predicts Investment & Financing income, plans next stage
Investment orientation.
S53:By insurance company's interface Investment & Financing pushed information and it is sent to mobile terminal.
S6:Household finance plan information, family income information, family's expenditure information and family investment information are divided
Analysis, when household finance exceeds beyond the financial wealth plan of finance and/or each member's finance during member's financial plan, by it is mobile eventually
End provides Financial Crisis Prediction signal.
S7:The financial data that household finance is managed involved in APP is stored in indirect access storage areas, family registers
Member accesses the financial data of indirect access storage areas by authentication information.
Preferably, a kind of financial management method provided in an embodiment of the present invention, further includes:Believed according to household finance plan
Breath, family income information, family's expenditure information and family investment information generate various financial statements, and it is outside to pass through USB interface
Export or backup.
Based on same inventive concept, an embodiment of the present invention provides a kind of financial management method, since this method solves skill
The principle of art problem is similar to a kind of financial management system, therefore the implementation of this method may refer to the implementation of system, repetition
Place repeats no more.
Disclosed above is only several specific embodiments of the present invention, and those skilled in the art can carry out the present invention
Various modification and variations without departing from the spirit and scope of the present invention, if these modifications and changes of the present invention belong to the present invention
Within the scope of claim and its equivalent technologies, then the present invention is also intended to include these modifications and variations.