CN111553675A

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

Info

Publication number: CN111553675A
Application number: CN202010321132.XA
Authority: CN
Inventors: 刘振
Original assignee: Beijing Hongyu Tongxiang Technology Development Co ltd
Current assignee: Beijing Hongyu Tongxiang Technology Development Co ltd
Priority date: 2020-04-22
Filing date: 2020-04-22
Publication date: 2020-08-18

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

Panoramic bill generation method, device and equipment based on digital currency

Technical Field

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

Background

With the development of financial science and technology, people in China have organized a plurality of commercial banks and three telecom operators to research related problems of digital currency since 2019. The current digital currency has the following advantages: 1. the cash printing, transporting and maintaining cost is reduced; 2. the efficiency of monitoring the operation of the money is improved; 3. and illegal activities such as tax evasion and money laundering are counteracted. In addition, how to make the user feel help and convenience of use is also one of the key elements for success of the subsequent promotion of the digital currency.

At present, entity financial systems such as various commercial banks and the like can generate account lists by taking the bank account as a main body, and online service systems such as a payment bank account and the like can provide consumption bills, so that a user can check the balance condition of accounts in the corresponding systems conveniently. However, consumption data between different financial systems and between different accounts in the same financial system are mutually isolated, and when various account data of a user are more, it is still inconvenient to monitor and summarize data information such as total balance, consumption and balance of each account under the name of the user.

Disclosure of Invention

In order to solve the above problems, the present application provides a method, an apparatus, and a device for generating a panoramic bill based on digital currency, which are used to present all the receiving, paying, and consuming conditions of different banks and different accounts under their own names to a user, so as to realize a transition from account-centric to user-centric.

The above object of the present application is achieved by the following technical solutions:

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

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; the financial system comprises a traditional bank system, an internet bank system and a third-party payment 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.

Optionally, the method further includes:

and saving or modifying the protocol information signed by the user based on the user operation, and acquiring and saving the independent account information newly added by the user or removing the saved independent account information.

Optionally, the method further includes:

and displaying the panoramic account list to the user based on the current operation of the user.

Optionally, the method further includes:

and acquiring and storing remark information added into the panoramic account list by the user.

Optionally, the method further includes:

and saving the generated panoramic account list to a file server in a preset format so as to facilitate the downloading of a user.

Optionally, the method further includes:

and periodically sending the panoramic account list to a user mailbox based on a time period set by a user.

Optionally, the method further includes:

acquiring financial information issued by a system to which each independent account belongs; the financial information includes recently sold funds, financial products, or market risks;

integrating the financial information into the panoramic account manifest.

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

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

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

the account acquisition module is used for acquiring at least one piece of independent account information added by the user from the financial system after the user is confirmed to sign a preset protocol; the financial system comprises a traditional bank system, an internet bank system and a third-party payment system;

the detail acquiring module is used for respectively acquiring the detail data of each independent account;

and the bill generation module is used for 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.

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 coupled to the memory;

the memory is used for storing a program, and the program is at least used for executing the method for generating the panoramic bill based on the digital currency;

the processor is used for calling and executing the program stored in the memory. .

The technical scheme provided by the embodiment of the application can have the following beneficial effects:

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.

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

Drawings

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

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

fig. 2 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;

fig. 3 is a schematic structural diagram of a panoramic bill generation device based on digital currency according to 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 Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims.

Currently, in a financial system, various traditional entity banks (e.g. four banks in china and other commercial banks), internet banks (e.g. Tencent and Oerson banks) and third-party payment institutions (e.g. Payment treasures) can generate account lists at regular time (e.g. monthly) or based on user operations, so that a user can conveniently know the income or expense condition and balance condition of each corresponding system account. However, for various reasons, a user may include a large number of accounts from multiple banks or third-party payment institutions of different systems, and these accounts generally correspond to different purposes, so the process of comprehensively counting the fund change details in the multiple accounts by the user is generally complicated: generally, a user needs to obtain corresponding detail data from each account through a mobile phone APP or a webpage and the like, and then manually summarize the detail data into a comprehensive list. On one hand, when the number of the accounts under the name of the user is large, the process of respectively acquiring the account detail data is very complicated, and the account which is not commonly used is easy to miss; on the other hand, the manual summarization process (e.g. based on EXCEL design form or direct manual writing) requires the user to design and plan the key elements required in the list, which is time-consuming, labor-consuming and error-prone.

In order to realize the transition from account-centric to user-centric based on the above problems, the present application provides a method for generating a panoramic bill based on digital currency, and a corresponding apparatus and device based on the following embodiments.

Examples

Referring to fig. 1, fig. 1 is a schematic flow chart of a method for generating a panoramic bill based on digital currency according to an embodiment of the present application.

As shown in fig. 1, the method comprises the steps of:

s101: 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; the financial system comprises a traditional bank system, an internet bank system and a third-party payment system;

specifically, the preset agreement signed by the user refers to an agreement that the user must read, understand and agree in detail in order to use the method provided by the embodiment of the present application, for example, the agreement may be similar to an agreement of a user in a mobile banking APP, and the main purpose of the agreement is to obtain the agreement of the user, so that the user can inquire and store the independent account information and other information subsequently added by the user from a corresponding financial system.

In addition, the financial system comprises a traditional bank system, an internet bank system and a third-party payment system, and the corresponding independent account information added by the user refers to account information of various banks or similar institutions belonging to the name of the user, including the traditional bank, the internet bank and the third-party payment mechanism. Further, the bank account may be a regular/current bankbook, debit card, credit card, or the like; the third party payment mechanism may be an account such as WeChat wallet, Paibao, and Jingdong Xiaojin vault.

Of course, it should be understood that, in order to ensure that all accounts added by the user belong to the user's own name, it is generally required that the user first complete authentication before the user adds an account, and the authentication may be generally completed based on the resident identification card or other valid personal identification card of the user himself.

That is, after the user signs an agreement and completes identity authentication, a plurality of financial accounts under the name of the user can be added, so that a panoramic account containing a plurality of accounts is formed.

S102: respectively acquiring detail data of each independent account;

specifically, the obtaining of the account detail data in this embodiment is usually implemented based on the internet, for example, by accessing a savings card account of the user from an online banking system of a construction bank through the internet or accessing a balance bank account of the user through the internet, so as to obtain and store all historical detail data in the corresponding account.

S103: 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.

Specifically, the preset data processing rule may be an integration rule preset by a user, or may be an integration rule generated by default by the method provided in the embodiment of the present application. In addition, the generated panoramic account list can contain all independent accounts added by the user, or only comprises specific accounts selected by the user in advance, so that the actual requirements of the user can be better met.

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

In some embodiments, the improvement comprises:

Specifically, if the user disagrees with certain terms in the user's agreement after using the above scheme for a period of time, the user may directly release the signed agreement (and certainly not continue to use the scheme to generate the panoramic account list), or make a suggestion for the terms. On the other hand, when the user opens a new bank account (or third-party payment institution account), the user may choose to add the account to the previously generated panoramic account, or conversely, when some independent accounts added to the panoramic account stop being used, the user may remove the account.

In addition, in consideration of the fact that the scheme provided by the embodiment of the application is generally realized in a computer webpage or mobile phone APP mode and the like during specific application, the panoramic account list can be displayed to a user directly through a computer screen or a mobile phone screen when the panoramic account list is generated in real time under the operation of the user.

Further, when the panoramic account list is displayed to the user through the screen, the scheme may further include: and acquiring and storing remark information added into the panoramic account list by the user. Furthermore, the above scheme may further include: and saving the generated panoramic account list to a file server in a preset format so as to facilitate the downloading of a user.

That is, when viewing the panoramic account list, the user can also add remark information to the panoramic account list immediately, and the generated panoramic account list can be saved to the file server. Thus, if the user is not currently convenient to view the panoramic account list for a long time, the account list file can be downloaded to the file server at a suitable time later, so that the user can continue to view the account list file. And if the remark information is added before, the user can be reminded to pay attention when the remark information is checked again. The preset format mentioned above refers to a storage format of the panoramic account manifest file, and may be a format such as a PDF or an EXCEL form in general.

In some embodiments, the generated panoramic account list includes one or more of the following elements: name, digital currency list ID, date of the list, type of transaction occurring (deposit, withdrawal, consumption, transfer), amount of transaction occurring, bank to which the transaction account belongs, account number of the transaction account (last four or six), merchant of the transaction (consumption class), time of transaction occurring, and the like. Of course, it should be understood that the elements of the panoramic account list are not limited to the above, and may be added or adjusted according to actual conditions, such as some fixed expenses (credit card payment date, loan payment date, etc.) for the customer, and corresponding prompts may be given in the account list. In addition, in consideration of the particularity of the elements, a chart such as a bar chart, a line chart and the like can be generated based on partial elements, so that corresponding information can be displayed to a user more intuitively.

In addition, in order to further improve the user experience, the above scheme may further include: the panoramic account list is sent to the user mailbox periodically based on a time period set by the user (e.g., 1 day per month). By the arrangement, if the user does not need to modify information such as independent accounts or list elements in the panoramic account list, the user does not need to log in corresponding webpages or mobile phone APP specially and regularly to operate, the operation is very convenient and fast, forgetting is not needed, and only the mailbox needs to be checked in time.

In addition, the above scheme may further include: acquiring financial information issued by a corresponding institution of each independent account; the financial information includes recently sold funds, financial products, or market risks; integrating the financial information into the panoramic account manifest.

That is, since financial information such as funds, financial products, and market risks are generally updated regularly in each bank or third-party payment institution, when detailed information in an independent account is obtained, the financial information can be obtained at the same time and integrated into a panoramic account list, so as to provide reference for a user. Of course, in actual application, whether the financial information is integrated into the panoramic account list or not can be determined according to the selection of the user.

In order to more fully explain the technical solution of the present application, in correspondence to the method for generating a panoramic bill based on digital currency provided in the foregoing embodiment, an embodiment of the present application further provides a device for generating a panoramic bill based on digital currency.

Referring to fig. 2, fig. 2 is a schematic structural diagram of a panoramic bill generation apparatus based on digital currency according to an embodiment of the present application.

As shown in fig. 2, the apparatus includes the following structure:

the account acquisition module 21 is configured to acquire, from the financial system, information of at least one independent account added by the user after determining that the user has signed a preset agreement; the financial system comprises a traditional bank system, an internet bank system and a third-party payment system;

the detail acquiring module 22 is used for acquiring the detail data of each independent account;

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

Specifically, the specific implementation manner of the function of each functional module may be implemented by referring to the content in the method for generating the panoramic bill based on digital currency, and will not be described in detail.

Referring to fig. 3, fig. 3 is a schematic structural diagram of a panoramic bill generation apparatus based on digital currency according to an embodiment of the present application. As shown in fig. 3, the apparatus includes the following structure:

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

the memory 31 is used for storing a program for executing at least the above-described method of generating a panoramic bill based on digital money;

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

Specifically, the device may be a computer, a smart phone or a similar smart device, wherein the specific implementation manner of the functions of the program may be implemented with reference to the content in the above-mentioned method for generating the panoramic bill based on digital currency, and details thereof are not described herein.

The above is a general description of the technical solutions of the present application, and for the convenience of understanding of the skilled person, the following description will be made by using a specific example.

Referring to fig. 4, fig. 4 is a schematic structural diagram of a panoramic bill generation system based on digital currency according to an embodiment of the present application. As shown in fig. 4, the system includes:

the protocol maintenance module 41: through the module, a client can sign, release and maintain a protocol;

the data recording module 42: the module is mainly used for recording the subscription information and the account information of the client;

the data analysis module 43: the module is mainly used for analyzing the related data of all account information of a customer and generating some asset condition tables (graphs);

external information acquisition module 44: the module is mainly used for acquiring external financial information such as recently sold funds, financing products, market risks and the like;

the bill generation module 45: the system is mainly used for generating bills periodically or according to the time period specified by a client;

the bill pushing module 46: bills are sent to the customer periodically, as required by the customer.

It is understood that the same or similar parts in the above embodiments may be mutually referred to, and the same or similar parts in other embodiments may be referred to for the content which is not described in detail in some embodiments.

It should be noted that, in the description of the present application, the terms "first", "second", etc. are used for descriptive purposes only and are not to be construed as indicating or implying relative importance. Further, in the description of the present application, the meaning of "a plurality" means at least two unless otherwise specified.

Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or steps of the process, and the scope of the preferred embodiments of the present application includes other implementations in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present application.

It should be understood that portions of the present application may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the 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, any one or combination of the following techniques, which are known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.

It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.

In addition, functional units in the embodiments of the present application may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may also be stored in a computer readable storage medium.

The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc.

In the description herein, reference to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above 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 embodiments of the present application have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present application, and that variations, modifications, substitutions and alterations may be made to the above embodiments by those of ordinary skill in the art within the scope of the present application.

Claims

1. A panoramic bill generation method based on digital currency is characterized by comprising the following steps:

respectively acquiring detail data of each independent account;

2. The method of claim 1, further comprising:

3. The method of claim 1, further comprising:

4. The method of claim 3, further comprising:

5. The method of claim 1, further comprising:

6. The method of claim 5, further comprising:

7. The method of claim 1, further comprising:

integrating the financial information into the panoramic account manifest.

8. The method of claim 1, wherein the generated panoramic account list includes one or more of the following elements:

9. An apparatus for generating a panoramic bill based on digital money, comprising:

10. A panoramic bill generation apparatus based on digital currency, comprising:

a memory and a processor coupled to the memory;

the memory for storing a program for at least performing the method of generating the digital currency based panoramic bill as recited in any one of claims 1 to 8;

the processor is used for calling and executing the program stored in the memory.