CN111553675A - Panoramic bill generation method, device and equipment based on digital currency - Google Patents

Abstract

The application relates to a panoramic bill generation method, a panoramic bill generation device and panoramic bill generation equipment based on digital currency. The method comprises the following steps: after the user is confirmed to sign a preset protocol, acquiring at least one piece of independent account information added by the user from a financial system; respectively acquiring detail data of each independent account; and analyzing and integrating the detail data of each independent account based on a preset data processing rule to generate a panoramic account list containing all or part of the detail data of the independent accounts. The invention provides a panoramic account list inquiring and displaying mode, which is different from the existing mode that the receiving, paying and consuming functions of a certain financial system mechanism can be independently inquired.

Description

Method, device and device for generating panoramic bills based on digital currency

technical field

The present application relates to the field of digital currency, and in particular, to a method, device and device for generating panoramic bills based on digital currency.

Background technique

With the development of financial technology, central banks around the world have been promoting research in the direction of digital currency. Since 2019, the People's Bank of China has organized a number of commercial banks and three major telecom operators to study digital currency-related topics. At present, digital currency has the following advantages: 1. Reduce the operation and maintenance cost of cash printing; 2. Improve the efficiency of currency operation monitoring; 3. Fight illegal activities such as tax evasion and money laundering. In addition, how to make users feel helpful to themselves and the convenience of use is also one of the key elements for the success of the subsequent promotion of digital currency.

At present, various existing physical financial systems such as commercial banks can generate account lists with the bank's account as the main body, and online service systems such as Alipay accounts can also provide consumption bills, so that users can view the income and expenditure on the accounts in the corresponding system. Happening. However, the consumption data between different financial systems and between different accounts under the same financial system are isolated from each other. When a user has a large amount of various account data, it is still inconvenient to check the total income and expenditure of each account under his own name, Monitor and summarize data information such as consumption and balance.

SUMMARY OF THE INVENTION

In view of the above problems, the present application provides a method, device and equipment for generating a panoramic bill based on digital currency, which is used to show the user all the income, expenditure and consumption of different banks and different accounts under his own name, so as to realize the realization from the account to the account. Shift from centric to user centric.

The above-mentioned purpose of the present application is achieved through the following technical solutions:

In a first aspect, an embodiment of the present application provides a method for generating a digital currency-based panoramic bill, including:

After determining that the user signs the preset agreement, obtain at least one independent account information added by the user from the financial system; the financial system includes a traditional banking system, an Internet banking system and a third-party payment system;

Obtain detailed data of each independent account;

Based on the preset data processing rules, analyze and integrate the detailed data of each independent account, and generate a panoramic account list containing all or part of the detailed data of the independent account.

Optionally, the method further includes:

Based on user operations, save or modify the agreement information signed by the user, and obtain and save the user's newly added independent account information or remove the saved independent account information.

Optionally, the method further includes:

Based on the user's current operation, the panoramic account list is presented to the user.

Optionally, the method further includes:

Acquire and save the remark information added by the user to the panorama account list.

Optionally, the method further includes:

The generated panorama account list is saved to a file server in a preset format for the user to download.

Optionally, the method further includes:

Based on a time period set by the user, the panorama account list is periodically sent to the user's mailbox.

Optionally, the method further includes:

Obtain financial information released by the system to which each independent account belongs; the financial information includes recently sold funds, wealth management products or market risks;

The financial information is integrated into the panorama account list.

Optionally, the generated panorama account list includes one or more of the following elements:

Name, digital currency list ID, list year, month, date, transaction type, transaction amount, bank to which the transaction account belongs, transaction account number, transaction merchant, and transaction time.

In a second aspect, an embodiment of the present application further provides a device for generating a panoramic bill based on digital currency, including:

The account acquisition module is used to determine that after the user signs the preset agreement, acquire at least one independent account information added by the user from the financial system; the financial system includes a traditional banking system, an Internet banking system and a third-party payment system;

The detail acquisition module is used to obtain the detailed data of each independent account;

The bill generation module is used to analyze and integrate the detailed data of each independent account based on the preset data processing rules, and generate a panoramic account list including all or part of the detailed data of the independent account.

In a third aspect, an embodiment of the present application further provides a device for generating a panoramic bill based on digital currency, including:

a memory and a processor connected to the memory;

The memory is used to store a program, and the program is at least used to execute the above-mentioned method for generating a panoramic bill based on digital currency;

The processor is configured to call and execute the program stored in the memory. .

The technical solutions provided by the embodiments of the present application may include the following beneficial effects:

The invention provides a query and display mode of a panoramic account list. Different from the existing functions that can only query the income, expenditure and consumption of a financial system institution independently, the invention integrates various independent accounts of users together. , and then integrate all the obtained transaction details, so that users can fully understand and master the balance changes of all financial system accounts under their own names at the same time, save users' query time, and truly realize user-centricity.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not limiting of the present application.

Description of drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description serve to explain the principles of the application.

1 is a schematic flowchart of a method for generating a digital currency-based panoramic bill according to an embodiment of the present application;

FIG. 2 is a schematic structural diagram of an apparatus for generating a panoramic bill based on digital currency according to an embodiment of the present application;

3 is a schematic structural diagram of a device for generating a digital currency-based panoramic bill provided by an embodiment of the present application;

FIG. 4 is a schematic structural diagram of a system for generating a panoramic bill based on digital currency according to an embodiment of the present application.

Detailed ways

Exemplary embodiments will be described in detail herein, examples of which are illustrated in the accompanying drawings. Where the following description refers to the drawings, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. The implementations described in the illustrative examples below are not intended to represent all implementations consistent with this application. Rather, they are merely examples of apparatus and methods consistent with some aspects of the present application as recited in the appended claims.

At present, in the financial system, various traditional brick-and-mortar banks (such as China's four major banks and other commercial banks), Internet banks (such as Tencent WeBank), and third-party payment institutions (such as Alipay) are able to schedule (such as monthly ) or an account list is generated based on the user's operation, so that the user can easily understand each income or expenditure and balance of the corresponding corresponding system account accordingly. However, due to various reasons, the user name may include a large number of accounts from multiple banks or third-party payment institutions in different systems, and these accounts generally correspond to different purposes. The process of statistics is generally more complicated: generally, users need to first obtain the corresponding detailed data from each account through the mobile APP or web page, and then manually aggregate it into a comprehensive list. The disadvantage is that, on the one hand, when there are a large number of accounts under the user name, the process of obtaining the detailed account data is very cumbersome and it is easy to miss the accounts that are not frequently used; ) requires the user to design and plan the key elements required in the checklist, which is particularly time-consuming, labor-intensive and error-prone.

Based on the above problems, in order to realize the transition from account-centric to user-centric, the present application provides a method for generating panoramic bills based on digital currency and corresponding apparatuses and devices based on the following embodiments.

Example

Please refer to FIG. 1 , which is a schematic flowchart of a method for generating a digital currency-based panoramic bill according to an embodiment of the present application.

As shown in Figure 1, the method includes the following steps:

S101: After determining that the user signs a preset agreement, obtain at least one independent account information added by the user from a financial system; the financial system includes a traditional banking system, an Internet banking system, and a third-party payment system;

Specifically, the preset agreement signed by the user refers to the user agreement that the user must read, understand and agree to in detail in order to use the methods provided by the embodiments of the present application. For example, it may be similar to the user agreement in some mobile banking APPs. , whose main purpose is to obtain the user's consent, so that the independent account information and other information added by the user subsequently can be queried and stored from the corresponding financial system.

In addition, financial systems include traditional banking systems, Internet banking systems, and third-party payment systems. Correspondingly, the independent account information added by the user refers to the account information of various banks or similar institutions that belong to the user’s own name, including traditional account information. Banks, internet banks and third-party payment institutions. Further, bank accounts can be regular/current passbooks, debit cards, credit cards and other accounts; third-party payment institutions can be accounts such as WeChat Wallet, Alipay Yu’ebao, and Jingdong Small Bank.

Of course, it should be understood that in order to ensure that all the accounts added by the user belong to the user's own name, generally, before the user adds an account, the user needs to complete the identity authentication first, and the identity authentication can usually be based on the user's resident ID card or other valid personal documents to complete.

That is to say, after the user signs the agreement and completes the identity authentication, he can add a variety of financial accounts under his own name, thereby forming a panoramic account containing multiple accounts.

S102: Obtain detailed data of each independent account respectively;

Specifically, the obtaining of account detailed data described in this embodiment is usually implemented based on the Internet, for example, accessing the user's savings card account from the online banking system of China Construction Bank through the Internet or accessing the user's Alipay Yu'ebao account through the Internet, so as to obtain the corresponding account. All historical details in the account and save it.

S103: Based on the preset data processing rules, analyze and integrate the detailed data of each independent account, and generate a panoramic account list including all or part of the detailed data of the independent accounts.

Specifically, the preset data processing rule may be an integration rule preset by a user, or may be an integration rule generated by default in the method provided in the embodiment of the present application. In addition, the generated panorama account list may include all independent accounts added by the user, or may only include specific accounts pre-selected by the user, so as to better meet the actual needs of the user.

The technical solutions provided by the embodiments of the present application may include the following beneficial effects:

The invention provides a query and display mode of a panoramic account list. Different from the existing functions that can only query the income, expenditure and consumption of a financial system institution independently, the invention integrates various independent accounts of users together. , and then integrate all the obtained transaction details, so that users can fully understand and master the balance changes of all financial system accounts under their own names at the same time, save users' query time, and truly realize user-centricity.

Further, in order to better meet user requirements and improve user experience, on the basis of the foregoing embodiments, the embodiments of the present application further provide the following improvement and optimization solutions.

In some embodiments, the improvement scheme includes:

Based on user operations, save or modify the agreement information signed by the user, and obtain and save the user's newly added independent account information or remove the saved independent account information.

Specifically, if the user has any objection to some of the terms in the user agreement after using the above solution for a period of time, he can directly cancel the signed agreement (of course, he cannot continue to use this solution to generate a panoramic account list), or This clause makes recommendations. On the other hand, when a user opens a new bank account (or a third-party payment institution account), he can choose to add the account to the previously generated panorama account. On the contrary, when some independent accounts that have already joined the panorama account Users can also remove it when it is no longer in use.

In addition, considering that the solutions provided by the embodiments of the present application are generally implemented through a computer web page or a mobile phone APP, etc., when the panoramic account list is instantly generated under the user's operation, the computer screen or mobile phone can be directly generated. The screen is displayed to the user.

Further, when the panorama account list is displayed to the user through the screen, the above solution may further include: acquiring and saving the remark information added by the user to the panorama account list. Further, the above solution may further include: saving the generated panorama account list to a file server in a preset format for the user to download.

That is to say, when viewing the panorama account list, the user can also add remarks to it immediately, and the generated panorama account list can be saved to the file server. In this way, if it is currently inconvenient for the user to view the panoramic account list for a long time, he may download the account list file from the file server at a later appropriate time, so as to continue viewing. And, if you added remarks before, you can remind yourself to pay attention when you view it again. In addition, the preset format mentioned above refers to the saving format of the panoramic account list file, which can generally be a format such as PDF or EXCEL.

In some embodiments, the generated panorama account list includes one or more of the following elements: name, digital currency list ID, list date, transaction type (deposit, withdrawal, consumption, transfer), transaction The amount incurred, the bank to which the transaction account belongs, the account number of the transaction account (the last four or six digits), the transaction merchant (consumer), the transaction time, etc. Of course, it should be understood that the elements of the panorama account list are not limited to the above items, which can be added or adjusted according to the actual situation, for example, for some fixed expenses of customers (credit card repayment date, loan repayment date, etc.), or Give corresponding prompts in the account list. In addition, considering the particularity of the elements, charts such as bar charts and line charts can also be generated based on some of the elements, so as to more intuitively display the corresponding information to the user.

In addition, in order to further improve the user experience, the above solution may further include: periodically sending the panoramic account list to the user mailbox based on a time period set by the user (for example, the 1st day of each month). With this setting, if the user does not need to modify the information such as the independent account or list elements in the panoramic account list, he does not need to log in to the corresponding webpage or mobile APP regularly to operate, which is very convenient and does not need to worry about forgetting, just need to check the mailbox in time. Can.

In addition, the above solution may further include: obtaining financial information released by the corresponding institutions of each independent account; the financial information includes recently sold funds, wealth management products or market risks; and integrating the financial information into the panoramic account list.

That is to say, because banks or third-party payment institutions generally update some financial information such as funds, wealth management products, and market risks on a regular basis, when obtaining detailed information in an independent account, such financial information can also be obtained at the same time. And integrate it into the panorama account list to provide users with a reference. Of course, in practical application, whether to integrate the above financial information into the panorama account list may be determined according to the user's selection.

For a more comprehensive description of the technical solutions of the present application, corresponding to the method for generating a digital currency-based panoramic bill provided by the above embodiments, the embodiment of the present application further provides an apparatus for generating a digital currency-based panoramic bill.

Please refer to FIG. 2 , which is a schematic structural diagram of an apparatus for generating a panoramic bill based on digital currency according to an embodiment of the present application.

As shown in Figure 2, the device includes the following structures:

The account obtaining module 21 is used to obtain at least one independent account information added by the user from a financial system after determining that the user signs a preset agreement; the financial system includes a traditional banking system, an Internet banking system and a third-party payment system;

The detail obtaining module 22 is used to obtain the detail data of each independent account respectively;

The bill generation module 23 is configured to analyze and integrate the detailed data of each independent account based on the preset data processing rules, and generate a panoramic account list including all or part of the detailed data of the independent account.

Specifically, the specific implementation manner of the function of each of the above functional modules can be implemented with reference to the content in the above-mentioned method for generating a panoramic bill based on digital currency, which will not be described in detail.

For a more comprehensive description of the technical solutions of the present application, corresponding to the method for generating a digital currency-based panoramic bill provided by the above embodiments, the embodiment of the present application further provides a device for generating a digital currency-based panoramic bill.

Please refer to FIG. 3 , which is a schematic structural diagram of a device for generating a panoramic bill based on digital currency according to an embodiment of the present application. As shown in Figure 3, the device includes the following structure:

a memory 31 and a processor 32 connected to the memory 31;

The memory 31 is used to store a program, and the program is at least used to execute the above-mentioned method for generating a panoramic bill based on digital currency;

The processor 32 is used to call and execute the program stored in the memory 31 .

Specifically, the device can be a computer, a smart phone, or a similar smart device, and the specific implementation of the functions of the program can be implemented with reference to the content in the above-mentioned method for generating panoramic bills based on digital currency, which will not be described in detail. .

The above is an overall introduction to the technical solutions of the present application. In order to facilitate the understanding of the skilled person, a specific example will be used for description below.

Please refer to FIG. 4 , which is a schematic structural diagram of a system for generating a panoramic bill based on digital currency provided by an embodiment of the present application. As shown in Figure 4, the system includes:

Agreement maintenance module 41: Through this module, customers can sign, cancel and maintain agreements;

Data recording module 42: This module is mainly used to record the customer's contract information and account information;

Data analysis module 43: This module is mainly used to analyze the relevant data of all account information of the customer, and generate some asset status tables (figures);

External information acquisition module 44: This module is mainly used to acquire some external financial information, such as recently sold funds, wealth management products, and some market risks;

Bill generation module 45: mainly used to generate bills on a regular basis or according to the time period specified by the customer;

Bill push module 46: Send bills to customers on a regular basis according to customer requirements.

It can be understood that, the same or similar parts in the above embodiments may refer to each other, and the content not described in detail in some embodiments may refer to the same or similar content in other embodiments.

It should be noted that, in the description of the present application, the terms "first", "second" and the like are only used for the purpose of description, and should not be construed as indicating or implying relative importance. Also, in the description of this application, unless otherwise specified, the meaning of "plurality" means at least two.

Any description of a process or method in the flowcharts or otherwise described herein may be understood to represent a module, segment or portion of code comprising one or more executable instructions for implementing a specified logical function or step of the process , and the scope of the preferred embodiments of the present application includes alternative implementations in which the functions may be performed out of the order shown or discussed, including performing the functions substantially concurrently or in the reverse order depending upon the functions involved, which should It is understood by those skilled in the art to which the embodiments of the present application belong.

It should be understood that various parts of this application may be implemented in hardware, software, firmware, or a combination thereof. In the above-described embodiments, various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. For example, if implemented in hardware, as in another embodiment, it can be implemented by any one or a combination of the following techniques known in the art: Discrete logic circuits, application specific integrated circuits with suitable combinational logic gates, Programmable Gate Arrays (PGA), Field Programmable Gate Arrays (FPGA), etc.

Those skilled in the art can understand that all or part of the steps carried by the methods of the above embodiments can be completed by instructing the relevant hardware through a program, and the program can be stored in a computer-readable storage medium, and the program can be stored in a computer-readable storage medium. When executed, one or a combination of the steps of the method embodiment is included.

In addition, each functional unit in each embodiment of the present application may be integrated into one processing module, or each unit may exist physically alone, or two or more units may be integrated into one module. The above-mentioned integrated modules can be implemented in the form of hardware, and can also be implemented in the form of software function modules. If the integrated modules are implemented in the form of software functional modules and sold or used as independent products, they may also be stored in a computer-readable storage medium.

The above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, and the like.

In the description of this specification, description with reference to the terms "one embodiment," "some embodiments," "example," "specific example," or "some examples", etc., mean specific features described in connection with the embodiment or example , structure, material or feature is included in at least one embodiment or example of the present application. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.

Although the embodiments of the present application have been shown and described above, it should be understood that the above embodiments are exemplary and should not be construed as limitations to the present application. Embodiments are subject to variations, modifications, substitutions and variations.

Claims (10)

1. a method for generating panoramic bills based on digital currency, is characterized in that, comprising: After determining that the user signs the preset agreement, obtain at least one independent account information added by the user from the financial system; the financial system includes a traditional banking system, an Internet banking system and a third-party payment system; Obtain detailed data of each independent account; Based on the preset data processing rules, analyze and integrate the detailed data of each independent account, and generate a panoramic account list containing all or part of the detailed data of the independent account. 2. The method of claim 1, further comprising: Based on user operations, save or modify the agreement information signed by the user, and obtain and save the user's newly added independent account information or remove the saved independent account information. 3. The method of claim 1, further comprising: Based on the user's current operation, the panoramic account list is presented to the user. 4. The method of claim 3, further comprising: Acquire and save the remark information added by the user to the panorama account list. 5. The method of claim 1, further comprising: The generated panorama account list is saved to a file server in a preset format for the user to download. 6. The method of claim 5, further comprising: Based on a time period set by the user, the panorama account list is periodically sent to the user's mailbox. 7. The method of claim 1, further comprising: Obtain financial information released by the system to which each independent account belongs; the financial information includes recently sold funds, wealth management products or market risks; The financial information is integrated into the panorama account list. 8. The method according to claim 1, wherein the generated panorama account list includes one or more of the following elements: Name, digital currency list ID, list year, month, date, transaction type, transaction amount, bank to which the transaction account belongs, transaction account number, transaction merchant, and transaction time. 9. A device for generating panoramic bills based on digital currency, comprising: The account acquisition module is used to determine that after the user signs the preset agreement, acquire at least one independent account information added by the user from the financial system; the financial system includes a traditional banking system, an Internet banking system and a third-party payment system; The detail acquisition module is used to obtain the detailed data of each independent account; The bill generation module is used to analyze and integrate the detailed data of each independent account based on the preset data processing rules, and generate a panoramic account list including all or part of the detailed data of the independent account. 10. A device for generating panoramic bills based on digital currency, comprising: a memory and a processor connected to the memory; The memory is used to store a program, and the program is at least used to execute the method for generating a panoramic bill based on digital currency according to any one of claims 1-8; The processor is configured to call and execute the program stored in the memory.

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