TW201530466A - Automatically financial management diagnosis method and system thereof - Google Patents

Abstract

An automatically financial management diagnosis method and system includes a processor unit, a financial management platform and an image-capturing unit or a speech recognition unit. The image-capturing unit or the speech recognition unit is operated to input at least one financial datum into the financial management platform. The financial management platform is provided with at least one financial calculation mechanism which is applied to calculate the financial datum to generate a calculation result. The financial management platform is operated to convert the calculation result into at least one financial management diagnosis index.

Description

Automated financial management diagnosis method and system thereof

The present invention relates to an automated financial management diagnostic method and system thereof; and more particularly to an automated input financial management diagnostic method and system thereof that produces at least one financial state diagnostic index.

Conventional automatic billing system, for example, the invention patent application of the system and apparatus for automatic billing of the Republic of China Patent Publication No. 201239787, which discloses an electronic device for automatic billing. The electronic device for automatic billing includes a transceiver unit, an authentication unit, a storage unit, a data processing unit and a display unit.

The transceiver unit of the aforementioned No. 201239787 is configured to receive a pairing signal from a point of sale terminal device through wireless communication. The authentication unit is electrically connected to the transceiver unit, and the authentication unit has an identification code. Then, a pairing response signal is generated according to the identification code and the pairing signal, and sent to the point-of-sale terminal device through the transceiver unit for verification by the point-of-sale terminal device. After the verification is successful, the point-of-sale terminal device transmits a consumption record, and the electronic device receives the consumption record through the transceiver unit. The storage unit is electrically connected to the transceiver unit, and the storage unit is configured to store the consumption record. The data processing unit is electrically connected to the storage unit, and the data processing unit is configured to process the consumption record according to a sorting rule. The display unit is electrically connected to the data processing unit, and the display unit is configured to display the consumption record processed according to the sorting rule.

However, the automatic billing system of the above-mentioned No. 201239787 merely provides the automatic billing service function directly to various general point-of-sale terminal devices, so that the aforementioned automatic billing service function is only applicable to the point-of-sale terminal device. Therefore, the custom automatic billing system necessarily has the need to further provide other functions, such as: automated financial management service functions.

Another conventional automatic billing system, for example, the new patent of the Republic of China Patent Publication No. M413161, Digital Billing Device, discloses a digital billing device. The digital billing device includes an input unit and a management module. In addition, the management module includes an identification unit, a processing unit, a memory unit, and a display unit.

The input unit of the aforementioned M413161 is capable of inputting text or digital materials to be processed, such as an invoice, a receipt or other documentary materials. In the management module, the identification unit, the memory unit and the display unit are respectively connected to the processing unit. The processing unit is configured to receive the voucher data of the input unit, and after the identification of the voucher data by the identification unit, the processing unit performs the comparison operation. For example, the voucher data is categorized to simplify the billing process and shorten the billing time.

However, the automatic billing system of the above-mentioned No. M413161 merely provides the automatic billing service function of daily life, so that the aforementioned automatic billing service function is only applicable to the billing function of daily life. Therefore, the custom automatic billing system necessarily has the need to further provide other functions, such as: automated financial management service functions.

Another conventional financial management device, for example, the invention patent application of the Republic of China Patent Publication No. 200408990, the portable financial device and the operation method thereof, discloses a portable financial device comprising: a data storage device and a main display area And a touch screen of the function display area and a central processing unit. The touch screen displays a plurality of main financial management items, and receives the amount of the sub-financial details of the at least one main wealth management item through the touch screen and the central processing unit stores the amount and a date to the data storage. In the device. In addition, the function display area displays icons representing expenditures, revenues, inquiries, revisions, statistics, and computer functions, and the central processing unit provides revenue and expenditure records, inquiries, revisions, and statistics according to triggers in the function display area. Data and computer functions in the storage device.

Another conventional financial management system and method thereof, for example, the invention patent application of the Republic of China Patent Publication No. 200606678, the financial management service system and the method thereof, discloses a financial planning service system comprising: an automatic data collection module, A wealth health check module and a financial planning module. The data automatic collection module automatically collects the "accounting company" electronic bill by using the Internet and automatically reads the wealth health inspection report and financial investment planning report by using the two-dimensional barcode. The Wealth Health Check Module uses personal income and expenses to check and analyze an individual's wealth status to generate a wealth health check report with automatic identification. The financial planning module utilizes personal wealth status, personal investment attributes, and investment product attributes to plan financial investment to generate a financial investment planning report with automatic identification function. The financial planning service system is used to implement a financial planning service method.

In addition, the related financial management system and its method have been disclosed in many national patents, for example, US Patent Publication No. 20020069168, using the Internet to implement personal financial management systems and methods [System and method for performing personal finance management using the intemet 〕 Application and Computerized finance management routing system under No. 20100023447.

Although the aforementioned application of the Republic of China Patent Publication No. 200408990, the application of the No. 200,606,678, the application of the U.S. Patent Publication No. 20020069168, and the application No. 20100023447 have provided how to deal with the financial management system and its method, there must be further improvement. The need to adopt a financial management system and its methods, such as the need for financial status diagnosis. In addition, the aforementioned conventional financial management system and method thereof are also There must be a need to further provide other functions, such as automated financial management service functions.

In short, neither the automatic billing system nor the conventional financial management system of the aforementioned patents and patent applications can achieve the function of providing automated financial management services. The above-mentioned patents and patent applications are only for the purpose of the technical background of the present invention, and are not intended to limit the scope of the present invention.

In view of the above, the present invention provides an automated financial management diagnostic method and system thereof, which provides a financial management platform, an input unit, and an image capture, capture or barcode reading unit or a voice reading unit. First, using the input unit or the image capturing, capturing or bar code reading unit or the voice reading unit to automatically input at least one financial data to the financial management platform, and then using the financial management platform to generate at least one financial status diagnostic index. In order to diagnose personal financial status, to improve the management of financial management processing techniques and accounting management techniques.

The main object of the present invention is to provide an automated financial management diagnostic method and system thereof, which provides a financial management platform and an image capture, capture or barcode reading unit or a voice reading unit, which first selects to utilize the image capture, The bar code reading unit or the voice reading unit automatically inputs at least one financial data to the financial management platform, and then uses the financial data to perform calculation on the financial management platform to diagnose personal financial status and risk status by data, thereby having data Diagnose the effectiveness of personal finance.

Another object of the present invention is to provide an automated financial management diagnostic method and system thereof, which provides a financial management platform and uses at least one financial data to perform calculations on the financial management platform to diagnose personal financial status by data, thereby having data Diagnose the effectiveness of personal finance.

Another object of the present invention is to provide an automated financial management diagnostic method and system thereof, which provide a financial management platform and utilize the The financial management platform generates at least one financial status diagnostic index or a risk status diagnostic index to display the personal financial status and planning, thereby optimizing the financial planning and distribution.

In order to achieve the above object, the automated financial management diagnostic method of the present invention comprises: performing image capturing, capturing or bar code reading or performing voice reading on a voucher to obtain at least one preliminary image data or a preliminary digital data; Preliminary image data for digital and text image recognition or voice recognition to obtain at least one digital and text image group or a digital and text voice group; using the digital and text image group for digital and text image classification, or Using the digital and text phonetic group to perform voice and text classification, or classifying the preliminary digital data into digital and text to obtain at least one financial image data, a financial voice data or a financial data; using the financial image data Financial voice data or financial data is subjected to financial operations to obtain at least one calculated value; the calculated value is used for financial diagnosis conversion.

The preferred embodiment of the present invention further includes: selecting to input the financial data to the financial management platform by using an input unit.

In addition, the financial management diagnostic method of the preferred embodiment of the present invention includes: providing a financial management platform and an image capture, capture or barcode reading unit or a voice reading unit; using the image capture, capture or barcode reading The unit ingests or captures an image or reads a code, or uses the voice reading unit to read a voice data, so as to input at least one financial data to the financial management platform; and adjust at least one financial operation on the financial management platform. a mechanism for calculating the financial data by using the financial operation mechanism to generate a calculation result; and operating the financial management platform to convert the calculation result to generate at least one financial status diagnosis index or a risk status diagnosis index.

In the preferred embodiment of the present invention, the financial management platform is connected to a securities trading information system, a real estate transaction information system or a foreign exchange (or precious metal) information system.

The financial operation mechanism of the preferred embodiment of the present invention is selected from the group consisting of a financial degree of freedom operation mechanism, a financial achievement rate calculation mechanism, an asset growth rate operation mechanism, a net value investment ratio operation mechanism, and a relative revenue and expenditure rate calculation mechanism, The debt ratio calculation mechanism, a work income net balance ratio calculation mechanism, a safety marginal operation mechanism, a career total savings amount calculation mechanism, a risk management operation mechanism, or any combination thereof.

The financial status diagnostic index of the preferred embodiment of the present invention includes a total family risk data and a member financial supplement planning data.

In the preferred embodiment of the invention, the financial status diagnostic index is converted to a numerical value, a histogram or a color indication.

In addition, the financial management diagnostic system of the preferred embodiment of the present invention includes: at least one arithmetic processing unit disposed in the financial management diagnostic system; a financial management platform disposed in the financial management diagnostic system, the financial management platform connecting the An arithmetic processing unit, wherein the financial management platform has at least one financial operation mechanism; and an image capture, capture or barcode reading unit or a voice reading unit that automatically inputs at least one financial data to the financial management platform; The arithmetic processing unit utilizes the financial operation mechanism After calculating the financial data, the financial management platform generates at least one financial status diagnostic index or a risk status diagnostic index, and the financial status diagnostic index or risk status diagnostic index is used to indicate an individual or household financial status.

The financial management platform of the preferred embodiment of the present invention is disposed on a servo computer.

The financial operation mechanism of the preferred embodiment of the present invention is selected from the group consisting of a financial degree of freedom operation mechanism, a financial achievement rate calculation mechanism, an asset growth rate operation mechanism, a net value investment ratio operation mechanism, and a relative revenue and expenditure rate calculation mechanism, The debt ratio calculation mechanism, a work income net balance ratio calculation mechanism, a safety marginal operation mechanism, a career total savings amount calculation mechanism, a risk management operation mechanism, or any combination thereof.

The financial data of the preferred embodiment of the invention includes revenue, expenditure, financial goals, and time of achievement.

The financial status diagnostic index of the preferred embodiment of the present invention includes a total family risk data and a member financial supplement planning data.

1‧‧‧Computer Execution Program

10‧‧‧Financial Management Platform

11‧‧‧ arithmetic unit

12‧‧‧ input unit

120‧‧‧Image capture, capture or barcode reading unit

121‧‧‧Voice reading unit

13‧‧‧Display unit

Figure 1 is a schematic diagram showing the steps of an automated financial management diagnostic method in accordance with a preferred embodiment of the present invention.

1A is a flow chart showing the method of automated financial management diagnosis according to a preferred embodiment of the present invention.

2A is a block diagram of an automated financial management diagnostic system in accordance with a preferred embodiment of the present invention.

2B is a block diagram of an automated financial management diagnostic system in accordance with another preferred embodiment of the present invention.

Figure 3: Schematic diagram of a financial operation mechanism using the automated financial management diagnostic method of the preferred embodiment of the present invention.

Figure 4: Schematic diagram of another automated financial management mechanism for automated financial management diagnostic methods in accordance with a preferred embodiment of the present invention.

In order to fully understand the present invention, the preferred embodiments of the present invention are described in detail below, and are not intended to limit the invention.

The automated financial management diagnostic method of the preferred embodiment of the present invention is implemented by a computer-executable process step, which can be executed on various computer equipment such as a desktop computer. Desktop computer], notebook computer (notebook or laptop computer), tablet computer (desktop personal computer), workstation computer (workstation computer), a smart phone or other electronic device, but it is not intended to limit the present invention The scope of application.

Furthermore, the automated financial management diagnostic method and system thereof according to the preferred embodiment of the present invention are applicable to various information network systems, for example, including an Internet, a local area network, and a local area network. LAN], various wireless local area networks (wireless LAN) or various cloud server systems, but it is not intended to limit the scope of application of the present invention.

The automated financial management diagnostic method and system thereof according to the preferred embodiment of the present invention are applicable to various financial management systems, such as personal financial management systems, investment information systems, or billing systems, but are not intended to limit the scope of application of the present invention. The automated financial management diagnostic method and system thereof according to the preferred embodiment of the present invention utilizes a data architecture to improve the problem of lack of specific data for the personal financial management diagnostic processing of the conventional personal finance, which provides specific data-based financial management diagnosis.

BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a diagram showing the steps of an automated financial management diagnostic method in accordance with a preferred embodiment of the present invention. Referring to FIG. 1 , a method according to a preferred embodiment of the present invention includes: performing image capture, capture, barcode reading, or voice reading on a voucher (eg, an invoice) manually or mechanistically to obtain At least one preliminary image data or a preliminary digital data (or voice data), and the preliminary image data is subjected to various image processing operations [Example: image pre-processing, image alignment processing, complex background processing, light compensation processing, finding a region of interest processing]. Alternatively, the voice data is subjected to various voice processing operations (for example, syllable cutting processing, feature extraction processing, noise removal processing, and command recognition processing).

Referring to FIG. 1 again, the method selection of the preferred embodiment of the present invention includes: providing an automatic or manual (eg, screen touch) selection of a specified input mode for automatically or selectively switching to image capture, capture, and barcode. Read, voice read or manual input mode. Alternatively, the method of the preferred embodiment of the present invention selects to select the switching mode by means of voice recognition or other identification.

For example, the preferred embodiment of the present invention selects an image capture or capture technique that includes various image data, a quick response code (QR code) data, or other image data. In addition, the preferred embodiment of the present invention selects the infrared reading bar code technology or other reading bar code technology, and selects to use the bar code data type range to include two-dimensional bar code data or other bar code data.

Referring to FIG. 1 again, the method of the preferred embodiment of the present invention includes: using the preliminary image data to perform image recognition of numbers and characters by appropriately recognizing software to obtain at least one digital and text image. Or; using the preliminary digital data (or voice data) to perform speech recognition of numbers and characters with appropriate speech recognition software to obtain at least one digital and text speech group. For example, the digital and text image group or the digital and text voice group includes the invoice date, time, number, quantity, manufacturer, product name, unit price, and total amount.

Referring again to FIG. 1, the method of the preferred embodiment of the present invention includes: subsequently, using the number [numeral] and the character image group or the digital and text phone group to classify the software appropriately. Digital or text image or voice Class or classify the preliminary digital data into digital and text to obtain at least one financial image data, one financial voice data or one financial data. For example, the financial image data, financial voice data, or financial data is input to a financial statement or a billing software or a cloud system in an appropriate manner, and personal or household billing operations are performed together.

Referring to FIG. 1 again, the method of the preferred embodiment of the present invention includes: subsequently performing financial operations using the financial image data or financial data with an appropriate computing mechanism to obtain at least one calculated value. For example, the financial image data or financial data is obtained from the financial statement, the accounting software, or the cloud system. In addition, choose to use any manual input unit to enter other financial data for financial calculations, as detailed in the subsequent description.

Referring again to FIG. 1, the method of the preferred embodiment of the present invention includes: subsequently, using the calculated value to perform a financial diagnostic conversion with an appropriate conversion mechanism. For example, after performing financial calculations on the financial image data or financial data and other financial data (for example, electronic invoices), the financial state diagnosis and indexing method is used to perform financial diagnosis conversion, and is described in detail in the subsequent description.

FIG. 1A is a flow chart showing an automated financial management diagnostic method according to a preferred embodiment of the present invention, which corresponds to the automated financial management diagnostic method of FIG. 2A is a block diagram showing an automated financial management diagnostic system in accordance with a preferred embodiment of the present invention, which corresponds to the automated financial management diagnostic method of FIG. 1A. Referring to FIGS. 1A and 2A, the automated financial management diagnostic system of the preferred embodiment of the present invention mainly includes a financial management platform 10, an arithmetic unit 11, an input unit 12, an image capture, and an image capture system. Taking or bar code reading unit 120 (or a voice reading unit 121) and a display unit 13, and the operation unit 11, input unit 12, image capturing, capturing or bar code reading unit 120 [or voice reading unit 121 And the display unit 13 is connected to the financial management platform 10 in an appropriate manner.

2B is a block diagram showing an automated financial management diagnostic system in accordance with another preferred embodiment of the present invention, which corresponds to the automated financial management diagnostic system of FIG. 2A. Referring to FIG. 2A and FIG. 2B again, the system of another preferred embodiment of the present invention only sets the image capturing, capturing or bar code reading unit 120, and omits the input unit 12 and the voice reading unit 121. Figure 2A shows the full automation of entering financial information to omit the manual input of the computer.

For example, the financial management platform 10 can provide a financial management window, such as a web-based window or other screen. In addition, the financial management platform 10 is connected to a securities trading information system, a real estate transaction information system or a foreign exchange (or precious metal) information system for importing information about other systems.

Referring to FIG. 1A and FIG. 2A again, the method of the preferred embodiment of the present invention includes the step S1A: selecting the financial management platform 10 to be provided in a computer executing program device 1, and the financial management platform 10 is available for registration. Using, for example, a personal account password to perform subsequent financial management diagnostics; the image capture, capture or barcode reading unit 120 or voice reading unit 121 is suitably provided or configured. For example, the financial management platform 10 is disposed on a sever computer or other stand-alone computer device and is logged in via a wired or wireless network, but is not intended to limit the scope of the present invention. Alternatively, the computer executive program device 1 may be selected from various mobile electronic devices, such as various smart phones, tablets, or other electronic devices.

Referring to FIGS. 1A and 2A again, the image capturing, capturing or bar code reading unit 120 or the voice reading unit 121 is selected from a portable mobile device (for example, with a photo or recording function). A mobile phone or a digital camera or a desktop image capture device (for example, a scanner or a webcam) to input image data to the financial management platform 10. For example, the image capture, capture or barcode reading unit 120 selects The image data is input to the financial management platform 10 by a cable or wireless transmission method (for example, Bluetooth or Zigbee technology) as indicated by the dotted lines in FIGS. 1A and 2A.

Referring to Figures 1A and 2A again, the method of the preferred embodiment of the present invention further comprises the step S1B of providing at least one financial data to the financial management platform 10, for example, inputting the financial data into a financial statement or an accounting Software or a cloud system. For example, the input unit 12, the image capturing, capturing or bar code reading unit 120 or the voice reading unit 121 is selected to input the financial data to the financial statement, the accounting software or the cloud system of the financial management platform 10, and the The input unit 12 is selected from a touch input device, a keyboard input device, a mouse input device, a voice recognition input device, an image recognition input device or other automatic input device, but it is not intended to limit the scope of the present invention. .

For example, the financial data includes income, expenditure, financial goals, and time of achievement, where the income includes work income, non-work income, or other income of the spouse and family members, and the expenditure includes fixed expenses (living expenses) and work expenses ( Social insurance premiums, work transportation expenses, food expenses, various taxes and fees]. Therefore, the income and expenditure can be used to further calculate the net income ratio of work income, the income of the short-term break-even point, and the margin of safety (that is, the financial buffer space when household income decreases or expenditure increases).

For example, the financial statement chooses to provide three-in-one wealth management, and has the functions of personal accounting, tax filing data recording and financial analysis software. In the personal accounting function, the daily billing method of the simple running account is used, and the ledger management mode, such as food and clothing, is used to classify the living expenses and the work expenses, so that the money usage and categories of each time period are The display is clear at a glance, and the direction of personal finance can be clearly understood, which is easy to manage and correct. In the tax calculation function, simple or complex records are made using the fields of various tax filing systems.

In addition, for example, the financial data also includes food, clothing, housing, travel, education, music, etc., or the financial data also includes assets, liabilities (such as: home loans), credit card liabilities, investment vehicles (bank deposits, Government bonds, corporate bonds, stocks, funds or other investments, etc. or financial target preparation time.

Referring to FIG. 1A and FIG. 2A again, the method of the preferred embodiment of the present invention further includes the step S2: adjusting the financial management platform 10 to at least one financial mechanism or other computing mechanism according to individual needs (for example, : Investment (stock or inflation) risk estimation mechanism]. For example, other computing mechanisms are small abacus. If you need to add new records, you can use the computer function to make simple calculations without jumping out of the original window.

Figure 3 is a schematic diagram showing the use of a financial operation mechanism for the automated financial management diagnostic method of the preferred embodiment of the present invention, which corresponds to the automated financial management diagnostic method of Figures 1 and 1A. Please refer to Figures 1, 1A and 3, according to different individual needs, the financial operation mechanism is selected from a financial degree of freedom operation mechanism, a financial achievement rate calculation mechanism, an asset growth rate operation mechanism, and a net value investment ratio operation. Mechanism, a relative revenue and expenditure ratio calculation mechanism, a debt ratio calculation mechanism, a work income net balance ratio operation mechanism, a safety marginal operation mechanism, a career total savings amount calculation mechanism, a risk management operation mechanism, or any combination thereof.

According to different individual needs, the present invention provides a balance of income and expenditure, individual financial status of different people at different stages of life, and risk management reference data in the family context, asset allocation reference data under individual financial goals of life history, and overall financial goals. Asset allocation reference data, establish financial allocation reference data suitable for different stages of different individuals and families, to improve the financial status of the national population and improve the national financial ability.

The invention further provides revenue at the break-even point, a net balance of work income, a margin of safety, an average return on investment in holding securities, Stock market trend simulation analysis (eg KD indicator), interest rate sensitivity analysis, exchange rate sensitivity analysis, and the financial management platform 10 connects the securities trading information system, real estate transaction information system or foreign exchange [or precious metal] After the information system, you can import information about other systems and provide the above data and analysis. For example, the present invention adopts the equation of interest rate sensitivity analysis: interest rate sensitive part = loan-deposit-bond.

For example, the equation of the present invention adopts the simulation analysis of the stock market trend is: long-term stock market expected return on investment × long-term trend probability + consolidation period expected return on investment × flat-period probability + short-term expected return rate × short-term trend probability = stock market Expected rate of return.

For example, the equation of the present invention adopts the expected total return on investment of personal assets is: A return on assets × A asset allocation rate + B return on assets × B asset allocation rate + C return on assets × C asset allocation rate = personal assets Expected total return on investment.

For example, if Li Si's existing portfolio is 60% stocks and 40% deposits, the long-term stock market expectation rate is 20%, the stock market expectation rate is 8%, and the short-term stock market expected return rate is -15. %, the deposit rate is fixed at 3% or other interest rates.

As far as Li Si is concerned, it is predicted that the stock market will move as follows in the next year: 60%, flat at 30%, and short at 10%: Li Si’s expected return on the stock market next year should be 20%×60%+8% ×30%+(-15%)×10%=12.9%; Li Si’s expected total return on investment next year is 12.9%×60%+3%×40%=8.94%.

For example, the equation of the present invention adopting the financial freedom degree operation mechanism is: (current net assets × return on investment) / (current annual expenditure), and the equation of the present invention adopting the financial achievement rate calculation mechanism is: (current net assets) / (current annual savings × years of work), the equation of the present invention adopting the asset growth rate calculation mechanism is: (asset variation) / (initial assets), the present invention adopts the net investment ratio The equation of the operation mechanism is: (living interest assets) / (net value) = (living interest assets × total assets) / (total assets × net value) = investment proportion × financial leverage multiple, the equation of the present invention adopting the relative revenue and expenditure ratio calculation mechanism is : (current annual income / regional average income) / (current annual expenditure / regional average expenditure), the equation of the present invention using the debt ratio calculation mechanism is: (total liabilities) / (total assets).

Figure 4 is a schematic diagram showing another automated financial operation mechanism for the automated financial management diagnostic method of the preferred embodiment of the present invention, which corresponds to the automated financial management diagnostic method of Figure 1A. Please refer to Figures 1, 1A and 4. For example, the present invention also adopts other equations including a net income ratio of work income, a revenue of a short-term breakeven point, and a margin of safety.

The equation using the net income ratio of the work income is: net income ratio of work income = (work income - work required expenditure) / work income or net income ratio of work income = net work income / total income, of which net work income Balance = (work income - income tax withholding - labor and health insurance withholding - work must pay), and must pay for work commute transportation costs including commuter transportation, parking fees, lunchtime lunch, necessary installation costs Monthly share.

The invention adopts the equation of the income of the short-term breakeven point The formula is: income of short-term break-even point = fixed expenditure / net income ratio of work income or income of short-term break-even point = fixed expenditure burden / net income ratio of work income, where fixed living expenses include monthly living expenses, mortgage Expenditures for principal and interest, contributions due for death, annualized savings rate for financial targets, and principal and interest expenses for other liabilities.

The safety margin of the present invention is adopted as follows: safety margin = (work income - income of short-term breakeven point) / fixed expenditure or (family total income - revenue at break-even point) / total living expenses.

For example, the adjustment options for the financial operation mechanism include: estimated retirement time, estimated remaining life, present value of retirement life, estimated inflation rate, final retirement life value, total retirement demand, total debt balance, and child education expense demand, The child's growth in living expenses, life risks (such as: family responsibility risk or medical risk), total career savings, monthly savings, etc.

Referring to FIGS. 1A and 2A again, the method of the preferred embodiment of the present invention further includes the step S3: calculating the financial data by using the financial operation mechanism to generate a calculation result for subsequent financial state diagnosis. For example, the results of the calculations are displayed in a proper arrangement on a financial statement, a financial analysis report, or a balance sheet.

For example, in the financial analysis report, it can be managed through overall income (salary and non-salary), expenditure (current and future expectations), retirement fund [present value and final value] management, risk [liability, liability and asset preservation] , balance sheet, net income ratio of work income, etc., so as to provide follow-up personal financial management and the most appropriate financial advice.

In addition, the present invention can be calculated by the accounting software into the income and expenditure ledger to calculate the net income balance ratio, the income of the short-term breakeven point, and the margin of safety. The present value of the life (ie, the final value of retirement life), the total amount of savings in the life (including retirement + education + other financial needs), the margin of safety (actual cash flow, savings, total asset allocation). In the case of a predetermined rate of return, the total financial goal of the career can be achieved. Depending on the feasibility of the rate of return, the adjustable range of financial goals, time of achievement, cash flow, etc. can be reviewed.

Referring to FIGS. 1A and 2A again, the method of the preferred embodiment of the present invention further includes the step S4 of operating the financial management platform 10 to convert the calculation result to generate at least one financial status diagnostic index or a risk status diagnosis. Index, for the individual to refer to the diagnosis of their financial status, for example: the weight of the husband and wife contribution to the family economy, the amount of insurance should be increased or decreased (that is, the amount of insurance should be) or the amount of deposit. When the financial management platform 10 is used to calculate the personal insufficient insurance amount, the individual insurance amount may be deducted from the individual's existing insurance amount.

After the computing unit 11 calculates the financial data by using the financial operation mechanism, the financial management platform 10 generates at least one financial status diagnosis index or a risk status diagnosis index, and the financial status diagnosis index or the risk status diagnosis index is used to represent the individual. [father or wife] or the overall financial status of the family. In addition, the financial status diagnostic index or risk status diagnostic index is used to indicate an adjustment plan for financial instruments (eg, insurance, stocks or bonds), asset allocation, investment time or rate of return.

For example, the financial status diagnostic index includes a total family risk data and a member financial supplement planning information for risk management. The financial status diagnostic index is converted to a value (high or low risk value or reference value), a histogram (high or low cylinder) or a color indication (green security signal, yellow attention signal or red warning signal). For example, insufficient insurance coverage or stock losses are displayed with high and low risk values, high or low cylinder or green security signals, yellow attention signals or red warning signals.

The foregoing preferred embodiments are merely illustrative of the invention and its techniques It is to be understood that the scope of the present invention is to be construed as being limited by the scope of the appended claims. The copyright limitation of this case is used for the purpose of patent application in the Republic of China.

1‧‧‧Computer Execution Program

10‧‧‧Financial Management Platform

11‧‧‧ arithmetic unit

12‧‧‧ input unit

120‧‧‧Image capture, capture or barcode reading unit

121‧‧‧Voice reading unit

13‧‧‧Display unit

Claims (10)

An automated financial management diagnostic method, comprising: performing image capturing, capturing or bar code reading or performing voice reading on a voucher to obtain at least one preliminary image data or a preliminary digital data; using the preliminary image data for digits And image recognition or speech recognition to obtain at least one digital and text image group or a digital and text voice group; use the digital and text image group to perform image classification of numbers and characters, or use the number and text The voice group performs voice classification of numbers and characters, or classifies the preliminary digital data into digital and text to obtain at least one financial image data, one financial voice data or one financial data; and utilizes the financial image data, financial voice data or The financial data is subjected to financial operations to obtain at least one calculated value; and the calculated value is used for financial diagnostic conversion. According to the automated financial management diagnosis method described in claim 1 of the patent application, the input of the financial data is input to the financial management platform by using an input unit. An automated financial management diagnostic method, comprising: providing a financial management platform and an image capture, capture or barcode reading unit or a voice reading unit; using the image capture, capture or barcode reading unit to ingest or capture An image or reading a code, or using the voice reading unit to read a voice data, so as to input at least one financial data to the financial management platform; adjusting at least one financial operation mechanism on the financial management platform; using the financial operation The mechanism calculates the financial data to generate a calculation result; and operates the financial management platform to convert the calculation result to generate at least one financial status diagnosis index or a risk status diagnosis index. According to the automated financial management diagnosis method described in claim 3, wherein the financial management platform is connected to a securities trading information system, A real estate transaction information system or a foreign exchange (or precious metal) information system. According to the automatic financial management diagnosis method described in claim 3, wherein the financial operation mechanism is selected from a financial freedom degree operation mechanism, a financial achievement rate calculation mechanism, an asset growth rate operation mechanism, and a net value investment ratio operation mechanism. A relative income and expenditure ratio operation mechanism, a debt ratio calculation mechanism, a work income net balance ratio operation mechanism, a safety marginal operation mechanism, a career total savings amount calculation mechanism, a risk management operation mechanism, or any combination thereof. According to the automated financial management diagnosis method described in claim 3, wherein the financial status diagnosis index includes a total family risk data and a member financial supplement planning data. An automated financial management diagnostic system, comprising: at least one arithmetic processing unit, which is disposed in the financial management diagnostic system; a financial management platform, which is disposed in the financial management diagnostic system, the financial management platform is connected to the arithmetic processing unit, and The financial management platform has at least one financial operation mechanism; and an image capture, capture or barcode reading unit or a voice reading unit that automatically inputs at least one financial data to the financial management platform; wherein the operation processing unit utilizes After the financial operation mechanism calculates the financial data, the financial management platform generates at least one financial status diagnosis index or a risk status diagnosis index, and the financial status diagnosis index or the risk status diagnosis index is used to indicate the personal or family financial status. The automated financial management diagnostic system described in item 7 of the patent application scope. The financial operation mechanism is selected from a financial degree of freedom operation mechanism, a financial achievement rate calculation mechanism, an asset growth rate operation mechanism, a net value investment ratio operation mechanism, a relative revenue and expenditure rate calculation mechanism, and a debt ratio calculation mechanism. A work income net balance ratio calculation mechanism, a safety marginal operation mechanism, a career total savings amount calculation mechanism, a risk management operation mechanism, or any combination thereof. Automated financial management diagnostic system as described in item 7 of the scope of application for patents System, where the financial data includes income, expenses, financial goals, and time of completion. According to the automatic financial management diagnosis system described in claim 7 of the patent application scope, the financial status diagnosis index includes a total household risk data and a member financial supplement planning data.