CN113222729A - Intelligent financial management system of family - Google Patents
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Abstract
The invention provides a family intelligent financial management system, which comprises: the system comprises a user data management unit, a financial cloud management platform, an interaction unit, a financing evaluation unit and a financing learning unit; the user data management unit is used for acquiring user identity data and basic financial data; the financial cloud management platform is used for calculating family members with different roles and different types of balance information and judging balance conditions according to a management mode selected by a user with the highest authority; the interaction unit is used for the user to perform role identity authentication, inquire the acceptance and payment records and the financial state evaluation level and modify the user data; the financial management evaluation unit is used for evaluating the financial state grade in a certain period; the financial management learning unit is used for financial management courses and third-party platform management, can conveniently know the income and expense conditions of families, make financial plans according to the financial state automatic evaluation result, learn financial management skills simultaneously, and assist family members to develop good financial management habits.
Description
Technical Field
The invention relates to the technical field of financial management, in particular to a family intelligent financial management system.
Background
With the extremely rapid development of national economy, the economic level and the quality of life of people are generally improved, the consumption field and the types of articles are more and more diversified, in the face of huge consumption quantity and amount, most people do not plan in the aspects of income expenditure, financing and the like, how to carry out effective statistical recording on the consumption field and the articles is an important link for realizing financing planning, most of the current home financial management systems can only record and calculate the income and expenditure information of basic financial data, the functions of providing financing learning, targeted home financial expenditure management modes and financing state evaluation of different roles for users are lacked, and good financing habits of children cannot be well assisted.
In conclusion, the intelligent family financial management system which can conveniently know the income and expense conditions of the family, make financial plans according to the automatic evaluation result of the financial state, learn financial skills and assist family members to develop good financial habits is a problem which needs to be solved urgently by technical personnel in the field.
Disclosure of Invention
In view of the above-mentioned problems and needs, the present solution provides a home intelligent financial management system, which can solve the above technical problems due to the following technical solutions.
In order to achieve the purpose, the invention provides the following technical scheme: a home intelligent financial management system comprising: the system comprises a user data management unit, a financial cloud management platform, an interaction unit, a financing evaluation unit and a financing learning unit;
the user data management unit is used for acquiring role information, biological characteristic information and basic financial data of a user;
the financial cloud management platform comprises a financial data storage module, a balance management module, a management mode selection module and an information encryption module, wherein the financial data storage module is used for storing biological characteristic information data, basic financial data, system parameter data and financing teaching resource data corresponding to user roles, the balance management module is used for counting family members with different roles and balance information of different types and judging balance conditions according to a highest-authority user through the management mode selected by the management mode selection module, and the information encryption module is used for encrypting, storing and transmitting user payment data;
the interaction unit is connected with the financial cloud management platform unit and is used for performing role identity verification, inquiring the balance record and financial state evaluation level and modifying user data by a user;
the financial management evaluation unit is used for evaluating the financial state grade of a certain period according to the role identity information, the financial income and expenditure statistical data and the set financial income and expenditure range value;
the financial learning unit is used for financial course and third party platform management, and the financial learning unit comprises a financial course management module and a third party platform management module.
Further, the user data management unit comprises a role information creation module, a biological characteristic information entry module and a basic financial data input module;
the role information creating module is used for creating a name information list corresponding to the unique family role;
the biological characteristic information input module comprises a miniature camera, a voice acquisition device and a fingerprint input device, the miniature camera is used for acquiring face image information of a user, the voice acquisition device is used for acquiring voice information of the user, the voice acquisition device comprises a pickup microphone and an audio processor, and the pickup microphone transmits acquired voice signals to the audio processor for filtering and amplifying;
the basic financial data input module is used for inputting financial balance information and sending the financial balance information to the financial data storage module according to a timestamp sequence, the basic financial data input module comprises an automatic recording module, a manual input module and an intelligent identification module, the automatic recording module is connected with a transaction management module, the transaction management module comprises a payment gateway and a management server, the management server manages balance fees according to transaction completion information and a payment mode of an order, the payment mode comprises a pay bank payment mode, a bank card payment mode, an internet bank payment mode and a WeChat payment mode, the manual input module comprises a data input terminal for inputting balance types and amounts, and the intelligent identification module receives image information of purchased articles input by an image acquisition port on the data input terminal, and carrying out object recognition by adopting an object recognition method based on deep learning, displaying a recognition result on a display screen of the input terminal, and inputting object amount information by a user through a voice acquisition port on the input terminal based on the display result.
The system comprises a financial data storage module, a data calling module, a calculator module and a balance state judging module, wherein the data calling module is used for calling basic financial data of the financial data storage module, the calculator module is used for calculating accumulated income and accumulated expense of different roles, accumulated income and accumulated expense of different types and total accumulated income and accumulated expense of families in a certain period according to the basic financial data, the balance state judging module is used for judging balance conditions according to a management mode selected by a user with the highest authority and a calculation result of the calculator module, and if the balance state judgment exceeds a set expense amount, account expense corresponding to the family role is limited.
Further, the management mode selection module is used for selecting a home revenue and expenditure management mode by a user with the highest authority, wherein the home revenue and expenditure management mode comprises A, B and C;
the class A family payment and payment management mode limits the payment amount of family members by combining a name information list corresponding to the family role through a certain period accumulated payment upper limit value set by a user;
the class B family payment and payment management mode limits the payment amount of family members by combining a name information list corresponding to the family roles through a single payment upper limit value set by a user and the payment times in a certain period;
and the class C family payment management mode limits the payment amount and the reward income amount of family members by combining a name information list corresponding to the family role through a certain period accumulated payment upper limit value and a reward income standard value set by a user.
Further, the information encryption module encrypts data by using an encryption algorithm based on the MD5 algorithm, and the encryption and decryption processes include: the sender calculates the basic transmission data through an MD5 algorithm to obtain a digital signature, encrypts data information content and signature information by using a public key of a receiver, sends the encrypted transmission data to the receiver through a communication network, decrypts the data by using a decryption key after the receiver receives the encrypted transmission data to obtain the data information content and the signature information, and decrypts the digital signature by using the public key of the sender after a plaintext is decrypted.
Furthermore, the interaction unit comprises a role authority management module, a data query module and an update modification module, wherein the role authority management module comprises an identity identification module and an authority distribution module;
the identity recognition module comprises an image recognizer, a fingerprint recognizer and a voiceprint recognizer, wherein the image recognizer is used for comparing and recognizing face image information input by a user and face image characteristic information data corresponding to a user role stored in the financial data storage module, the fingerprint recognizer is used for comparing and recognizing fingerprint information input by the user and fingerprint characteristic information data corresponding to the user role stored in the financial data storage module, the voiceprint recognizer is used for comparing and recognizing fingerprint information input by the user and fingerprint characteristic information data corresponding to the user role stored in the financial data storage module, and the authority allocation module allocates resource access authority of an access party based on a comparison and recognition result of the identity recognition module;
the data query module is used for deriving a balance record table of a corresponding role or type and a financial state evaluation grade of the corresponding role through a query list according to a query instruction of a user;
the updating and modifying module is used for modifying or deleting the role information and the biological characteristic information of the user.
Further, the financial management evaluation unit evaluates the financial state grade in a certain period by adopting a decision tree method according to a preset grade rule, role identity information, financial income and expense statistical data and a set financial income and expense range value.
Furthermore, the financial course management module comprises an information retrieval module, a learning record management module and a data sharing module, the quick search engine system is connected with the financial data storage module through the information retrieval module, the information retrieval module comprises a keyword repository and a retrieval list, the keyword repository is used for storing parameter keywords of financial learning resource data, and the retrieval list is used for associating the parameter keywords with financial teaching resource data information of the financial data storage module; the learning record management module comprises an information association list and a progress display module, wherein the information association list is used for associating basic information of roles and course learning progress and record data, and the progress display module is used for carrying out bar-shaped visual display on the learning progress and the record data; the data sharing module is used for uploading and downloading learning materials.
Further, the third-party platform management module comprises an information storage module and an audit modification module, wherein the information storage module is used for storing the IP address, the domain name and the port information of the third-party platform, the audit modification module is connected with the information storage module and is used for verifying and modifying the third-party information data, when the third-party information is modified, the audit modification module analyzes the request information sent by the third party to obtain a verification password and new third-party information data, and if the verification password is correct, the new third-party information data and the original third-party information data are replaced.
According to the technical scheme, the invention has the beneficial effects that: the invention can conveniently know the income and expense condition of the family, formulate financial planning according to the automatic evaluation result of the financial state, simultaneously learn the financial skills and assist family members to develop good financial habits.
In addition to the above objects, features and advantages, preferred embodiments of the present invention will be described in more detail below with reference to the accompanying drawings so that the features and advantages of the present invention can be easily understood.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments of the present invention or the prior art will be briefly described, wherein the drawings are only used for illustrating some embodiments of the present invention and do not limit all embodiments of the present invention thereto.
Fig. 1 is a schematic diagram of a composition structure of a home intelligent financial management system according to the present invention.
FIG. 2 is a schematic diagram of the basic financial data input module according to the present invention.
Fig. 3 is a schematic diagram of a component structure of the role authority management module according to the present invention.
FIG. 4 is a schematic diagram of the financial course management module according to the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings of specific embodiments of the present invention. Like reference symbols in the various drawings indicate like elements. It should be noted that the described embodiments are only some embodiments of the invention, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the described embodiments of the invention without any inventive step, are within the scope of protection of the invention.
The invention provides a family intelligent financial management system which can conveniently know the family income and expense condition, formulate financial planning according to the financial state automatic evaluation result, learn financial skills and assist family members to form good financial management habits. As shown in fig. 1 to 4, the system includes: the system comprises a user data management unit, a financial cloud management platform, an interaction unit, a financial evaluation unit and a financial learning unit, wherein the user data management unit mainly acquires basic information and basic financial data of a user, and then the information is calculated and processed through the cloud platform and fed back to a user terminal of the user according to a request instruction of user query and the like.
In this embodiment, the user data management unit is configured to obtain role information, biometric information, and basic financial data of the user, where the role information includes names and numbers of family members, such as dad, mom, brother, sister, and the like, and the biometric information includes face information, fingerprint information, sound information, and the like. The user data management unit comprises a role information creation module, a biological characteristic information entry module and a basic financial data input module; the role information creating module is used for creating a name information list corresponding to a unique family role, authority division of a specific role can be realized through the list, for example, dad or mom is registered as a user with the highest authority, total assets can be inquired and managed, the upper limit value of expenditure of other roles can be set, and the like, while a user with the first-level authority can only pay the amount within the set upper limit value of expenditure, and can remind when the amount exceeds the range. The biological characteristic information input module comprises a miniature camera, a voice acquisition device and a fingerprint input device, the miniature camera is used for acquiring face image information of a user, the voice acquisition device is used for acquiring voice information of the user, the voice acquisition device comprises a pickup microphone and an audio processor, and the pickup microphone transmits acquired voice signals to the audio processor for filtering and amplifying; the basic financial data input module is used for inputting financial balance information and sending the financial balance information to the financial data storage module according to a timestamp sequence, the basic financial data input module comprises an automatic recording module, a manual input module and an intelligent identification module, the automatic recording module is connected with a transaction management module, the transaction management module comprises a payment gateway and a management server, the management server manages balance fees according to transaction completion information and a payment mode of an order, the payment mode comprises a pay bank payment mode, a bank card payment mode, an internet bank payment mode and a WeChat payment mode, the manual input module comprises a data input terminal for inputting balance types and amounts, and the intelligent identification module receives image information of purchased articles input by an image acquisition port on the data input terminal, and carrying out object recognition by adopting an object recognition method based on deep learning, displaying a recognition result on a display screen of the input terminal, and inputting object amount information by a user through a voice acquisition port on the input terminal based on the display result. In this embodiment, the input terminal includes a mobile smart phone, an IPAD, and the like.
The financial cloud management platform comprises a financial data storage module, a balance management module, a management mode selection module and an information encryption module, wherein the financial data storage module is used for storing biological characteristic information data, basic financial data, system parameter data and financing teaching resource data corresponding to user roles. The system comprises a management mode selection module, a data calling module, a calculator module and a receiving and paying state judgment module, wherein the receiving and paying management module is used for counting family members with different roles and different types of receiving and paying information and judging receiving and paying conditions according to the management mode selected by a highest authority user through the management mode selection module, the data calling module is used for calling basic financial data of a financial data storage module, the calculator module calculates the accumulated income and accumulated expenditure of different roles, the accumulated income and accumulated expenditure of different types and the total accumulated income and accumulated expenditure of families in a certain period according to the basic financial data, and in the embodiment, the system also can calculate information such as profits, total amounts and the like of investment under the condition of return of stock investment. And the module also includes a dividend calculator, an arithmetic calculator, and a stock profit calculator. And the receiving and paying state judging module is used for judging the receiving and paying conditions according to the management mode selected by the highest-authority user and the calculation result of the calculator module, and limiting account expenditure corresponding to the family role if the receiving and paying state judging module judges that the set expenditure amount is exceeded. The management mode selection module is used for selecting a family revenue and expenditure management mode by a user with the highest authority, wherein the family revenue and expenditure management mode comprises A, B and C; the class A family payment and payment management mode limits the payment amount of family members by combining a name information list corresponding to the family role through a certain period accumulated payment upper limit value set by a user; the class B family payment and payment management mode limits the payment amount of family members by combining a name information list corresponding to the family roles through a single payment upper limit value set by a user and the payment times in a certain period; and the class C family payment management mode limits the payment amount and the reward income amount of family members by combining a name information list corresponding to the family role through a certain period accumulated payment upper limit value and a reward income standard value set by a user.
The information encryption module is used for encrypting, storing and transmitting the user payment data. Specifically, the information encryption module uses an encryption algorithm based on the MD5 algorithm to encrypt data, and the encryption and decryption processes include: the sender calculates the basic transmission data through an MD5 algorithm to obtain a digital signature, encrypts data information content and signature information by using a public key of a receiver, sends the encrypted transmission data to the receiver through a communication network, decrypts the data by using a decryption key after the receiver receives the encrypted transmission data to obtain the data information content and the signature information, and decrypts the digital signature by using the public key of the sender after a plaintext is decrypted.
The interaction unit is connected with the financial cloud management platform unit and used for performing role identity verification, inquiring the receipt and payment records and the financial state evaluation level and modifying user data by a user. The interaction unit comprises a role authority management module, a data query module and an updating and modifying module, wherein the role authority management module comprises an identity identification module and an authority distribution module; the identity identification module can verify identity information when users with different roles log in accounts to perform inquiry or setting operation, and ensures that the operating users can acquire corresponding authorities. The identity recognition module comprises an image recognizer, a fingerprint recognizer and a voiceprint recognizer, wherein the image recognizer is used for comparing and recognizing face image information input by a user and face image characteristic information data corresponding to a user role stored in the financial data storage module, the fingerprint recognizer is used for comparing and recognizing fingerprint information input by the user and fingerprint characteristic information data corresponding to the user role stored in the financial data storage module, the voiceprint recognizer is used for comparing and recognizing fingerprint information input by the user and fingerprint characteristic information data corresponding to the user role stored in the financial data storage module, and the authority allocation module allocates resource access authority of an access party based on a comparison and recognition result of the identity recognition module; the data query module is used for deriving a balance record table of a corresponding role or type and a financial state evaluation grade of the corresponding role through a query list according to a query instruction of a user; the updating and modifying module is used for modifying or deleting the role information and the biological characteristic information of the user.
In the system, the financing evaluation unit can help the user to better evaluate the income and expenditure conditions of the user and family members, for example, the user can evaluate the financing plan to be excellent when the set financing plan is finished, and evaluate the financing plan to be unqualified when the set financing plan is not finished. The financial assessment unit is used for assessing the financial state grade of a certain period according to the role identity information, the financial income and expenditure statistical data and the set financial income and expenditure range value, and the financial assessment unit assesses the financial state grade of the certain period by adopting a decision tree method according to a preset grade rule, the role identity information, the financial income and expenditure statistical data and the set financial income and expenditure range value.
The financing learning unit is used for financing courses and third-party platform management, the financing learning unit comprises a financing course management module and a third-party platform management module, the third-party platform management module is used for managing the information data of the third-party financing learning platform, specifically, the third-party financing learning platform can be a book learning platform or an investment platform and the like, the financial course management module comprises an information retrieval module, a learning record management module and a data sharing module, the rapid search engine system is connected with the financial data storage module through the information retrieval module, the information retrieval module comprises a keyword storage library and a retrieval list, the keyword storage library is used for storing parameter keywords of the financial and learning resource data, the retrieval list is used for associating the parameter keywords with financial teaching resource data information of the financial data storage module; the learning record management module comprises an information association list and a progress display module, wherein the information association list is used for associating basic information of roles and course learning progress and record data, and the progress display module is used for carrying out bar-shaped visual display on the learning progress and the record data; the data sharing module is used for uploading and downloading learning materials. The third-party platform management module comprises an information storage module and an audit modification module, wherein the information storage module is used for storing the IP address, the domain name and the port information of a third-party platform, the audit modification module is connected with the information storage module and is used for verifying and modifying third-party information data, when the third-party information is modified, the audit modification module analyzes request information sent by a third party to obtain a verification password and new third-party information data, and if the verification password is correct, the new third-party information data and the original third-party information data are replaced.
In this embodiment, the user can designate different financial planning and management modes for each role according to the actual needs of the user, and can conveniently know the family income and expense condition and make a financial plan.
It should be noted that the described embodiments of the invention are only preferred ways of implementing the invention, and that all obvious modifications, which are within the scope of the invention, are all included in the present general inventive concept.
Claims (9)
1. A home intelligent financial management system, comprising: the system comprises a user data management unit, a financial cloud management platform, an interaction unit, a financing evaluation unit and a financing learning unit;
the user data management unit is used for acquiring role information, biological characteristic information and basic financial data of a user;
the financial cloud management platform comprises a financial data storage module, a balance management module, a management mode selection module and an information encryption module, wherein the financial data storage module is used for storing biological characteristic information data, basic financial data, system parameter data and financing teaching resource data corresponding to user roles, the balance management module is used for counting family members with different roles and balance information of different types and judging balance conditions according to a highest-authority user through the management mode selected by the management mode selection module, and the information encryption module is used for encrypting, storing and transmitting user payment data;
the interaction unit is connected with the financial cloud management platform unit and is used for performing role identity verification, inquiring the balance record and financial state evaluation level and modifying user data by a user;
the financial management evaluation unit is used for evaluating the financial state grade of a certain period according to the role identity information, the financial income and expenditure statistical data and the set financial income and expenditure range value;
the financial learning unit is used for financial course and third party platform management, the financial learning unit comprises a financial course management module and a third party platform management module, and the third party platform management module is used for managing information data of the third party financial learning platform.
2. The home intelligent financial management system of claim 1 wherein said user data management unit includes a role information creation module, a biometric information entry module and a basic financial data input module;
the role information creating module is used for creating a name information list corresponding to the unique family role;
the biological characteristic information input module comprises a miniature camera, a voice acquisition device and a fingerprint input device, the miniature camera is used for acquiring face image information of a user, the voice acquisition device is used for acquiring voice information of the user, the voice acquisition device comprises a pickup microphone and an audio processor, and the pickup microphone transmits acquired voice signals to the audio processor for filtering and amplifying;
the basic financial data input module is used for inputting financial balance information and sending the financial balance information to the financial data storage module according to a timestamp sequence, the basic financial data input module comprises an automatic recording module, a manual input module and an intelligent identification module, the automatic recording module is connected with a transaction management module, the transaction management module comprises a payment gateway and a management server, the management server manages balance fees according to transaction completion information and a payment mode of an order, the payment mode comprises a pay bank payment mode, a bank card payment mode, an internet bank payment mode and a WeChat payment mode, the manual input module comprises a data input terminal for inputting balance types and amounts, and the intelligent identification module receives image information of purchased articles input by an image acquisition port on the data input terminal, and carrying out object recognition by adopting an object recognition method based on deep learning, displaying a recognition result on a display screen of the input terminal, and inputting object amount information by a user through a voice acquisition port on the input terminal based on the display result.
3. The system as claimed in claim 1, wherein the balance management module includes a data call module, a calculator module and a balance state determination module, the data call module is used for calling the basic financial data of the financial data storage module, the calculator module calculates the accumulated income and the accumulated expenditure of different roles, the accumulated income and the accumulated expenditure of different types and the total accumulated income and the accumulated expenditure of the family in a certain period according to the basic financial data, the balance state determination module is used for determining the balance state according to the management mode selected by the user with the highest authority and the calculation result of the calculator module, and if the balance state is determined to exceed the set expenditure amount, the account expenditure corresponding to the family role is limited.
4. The home intelligent financial management system according to claim 1 wherein said management mode selection module is adapted to select a home revenue and expenditure management mode from a highest-authority user, said home revenue and expenditure management mode including A, B and C;
the class A family payment and payment management mode limits the payment amount of family members by combining a name information list corresponding to the family role through a certain period accumulated payment upper limit value set by a user;
the class B family payment and payment management mode limits the payment amount of family members by combining a name information list corresponding to the family roles through a single payment upper limit value set by a user and the payment times in a certain period;
and the class C family payment management mode limits the payment amount and the reward income amount of family members by combining a name information list corresponding to the family role through a certain period accumulated payment upper limit value and a reward income standard value set by a user.
5. The home intelligent financial management system according to claim 1 wherein said information encryption module uses an encryption algorithm based on MD5 algorithm for data encryption, the encryption and decryption process comprising: the sender calculates the basic transmission data through an MD5 algorithm to obtain a digital signature, encrypts data information content and signature information by using a public key of a receiver, sends the encrypted transmission data to the receiver through a communication network, decrypts the data by using a decryption key after the receiver receives the encrypted transmission data to obtain the data information content and the signature information, and decrypts the digital signature by using the public key of the sender after a plaintext is decrypted.
6. The home intelligent financial management system of claim 1 wherein said interactive unit includes a role rights management module, a data query module and an update modification module, said role rights management module including an identity module and a rights assignment module;
the identity recognition module comprises an image recognizer, a fingerprint recognizer and a voiceprint recognizer, wherein the image recognizer is used for comparing and recognizing face image information input by a user and face image characteristic information data corresponding to a user role stored in the financial data storage module, the fingerprint recognizer is used for comparing and recognizing fingerprint information input by the user and fingerprint characteristic information data corresponding to the user role stored in the financial data storage module, the voiceprint recognizer is used for comparing and recognizing fingerprint information input by the user and fingerprint characteristic information data corresponding to the user role stored in the financial data storage module, and the authority allocation module allocates resource access authority of an access party based on a comparison and recognition result of the identity recognition module;
the data query module is used for deriving a balance record table of a corresponding role or type and a financial state evaluation grade of the corresponding role through a query list according to a query instruction of a user;
the updating and modifying module is used for modifying or deleting the role information and the biological characteristic information of the user.
7. The home intelligent financial management system according to claim 1 wherein the financial management evaluation unit evaluates the financial status level for a certain period using decision tree method according to preset level rules, role identity information, financial balance statistics and the set financial balance range value.
8. The home intelligent financial management system of claim 1 wherein said financial course management module comprises an information retrieval module, a learning record management module and a data sharing module, wherein said quick search engine system is connected to said financial data storage module through said information retrieval module, said information retrieval module comprises a keyword repository for storing parameter keywords of financial learning resource data and a retrieval list for associating said parameter keywords with financial teaching resource data information of said financial data storage module; the learning record management module comprises an information association list and a progress display module, wherein the information association list is used for associating basic information of roles and course learning progress and record data, and the progress display module is used for carrying out bar-shaped visual display on the learning progress and the record data; the data sharing module is used for uploading and downloading learning materials.
9. The home intelligent financial management system according to claim 1 wherein the third party platform management module includes an information storage module and an audit modification module, the information storage module is configured to store IP addresses, domain names, and port information of the third party platform, the audit modification module is connected to the information storage module and configured to verify and modify the third party information data, when the third party information is modified, the audit modification module parses request information sent by the third party to obtain a verification password and new third party information data, and if the verification password is correct, the new third party information data is replaced with the original third party information data.
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