TWI696143B - Cloud housekeeping system - Google Patents

Abstract

A cloud housekeeping system includes an internet banking server and an account management device. The account management device is connected to the internet banking server through a network and the account management device includes a main account management module and a sub account binding module connected to the main account management module so that the main account management module can manage at least one sub-account.

Description

Cloud housekeeper system

The invention relates to a housekeeper system, and in particular to a cloud housekeeper system.

At present, the relevant family finance accounts are mainly oriented towards opening child accounts, and child accounts are all based on investment and financial planning, as a fixed investment in fixed funds or deductions for insurance-related businesses.

Therefore, the exclusive children's wealth management account has also become more and more compact, and some banks have also introduced fixed deposits for children's wealth management accounts that can be directly transferred to fixed deposits to help future masters accumulate the first bucket of gold.

In addition, because the birth rate of newborns in Taiwan has been declining year by year, the total fertility rate has reached 1.07 in 2013. Although there was a slight recovery after 2014, the trend of declining birthrates has made parents pay more attention to children’s education, cultivating children’s international perspective and correct money outlook. important.

Wealth management education and money management need to take root from an early age, although the current child wealth management accounts launched by banks have many discounts to meet the needs of both parents and children. However, existing child financial management accounts have some shortcomings, so that if parents want to manage child financial management accounts Sometimes, you must still enter the Internet banking of your child's wealth management account before you can process it, which often causes inconvenience in use.

In addition, with the advent of an advanced society, the mesozoic generation is the mainstay of the family economy, so it is not only necessary to teach and manage children's financial accounts, but often must also provide appropriate money to the elders of the previous or two generations for the sake of filial piety and daily life. . However, the current online banking accounts still cannot take account of such demands, so that there is still room for appropriate improvement.

The summary of the present invention aims to provide a simplified summary of the disclosure so that the reader can have a basic understanding of the disclosure. This summary of the invention is not a complete overview of the disclosure, and it is not intended to point out important/critical elements of embodiments of the invention or to define the scope of the invention.

An object of the present invention is to provide a cloud housekeeper system to facilitate family members to perform financial management.

In order to achieve the above object, one technical aspect of the present invention relates to a cloud housekeeper system including an internet banking server and an account management device. The account management device uses a network to connect to the Internet banking server, and the account management device includes a main account management module and a sub-account binding module connected to the main account management module, so that the main account management module can Manage at least one sub-account.

The cloud housekeeper system further includes an identity verification server, which is connected to the online banking server via the Internet.

In one embodiment, the main account management module includes an appropriation setter, an inquirer connected to the appropriation setter, an appropriation register connected to the inquirer, and/or an investment and wealth management setter connected to the appropriation register.

In one embodiment, the investment and wealth setting device includes a deposit setting element, and a fund setting element is connected to the deposit setting element.

In one embodiment, the Internet banking server includes an identity confirmation module and a data storage device connected to the identity confirmation module.

Therefore, the above-mentioned cloud housekeeper system can create an online bank with family account management functions, breaking the current limitations of personal online banking, providing family account managers with the convenience of managing family member accounts, and solving the inconvenience of managing family member accounts without the need for By logging into each account, the main account manager can see the account details, which is convenient for the manager to check the status of the managed account.

After referring to the embodiments below, those with ordinary knowledge in the technical field to which the present invention belongs can easily understand the basic spirit of the present invention and other inventive objectives, as well as the technical means and implementation aspects adopted by the present invention.

100‧‧‧ cloud housekeeper system

200‧‧‧Account management device

210‧‧‧Master Account Management Module

212‧‧‧ Grant Setter

214‧‧‧Query

216‧‧‧ Appropriation register

218‧‧‧Investment Manager

219‧‧‧ Deposit setting component

220‧‧‧ Fund setting component

230‧‧‧Sub-account binding module

300‧‧‧ Internet Banking Server

310‧‧‧ Identity Confirmation Module

320‧‧‧Data storage device

400‧‧‧Identification server

In order to make the above and other objects, features, advantages and embodiments of the present invention more comprehensible, the drawings are described as follows: FIG. 1 is a schematic diagram of a cloud housekeeper system according to an embodiment of the present invention.

FIG. 2 is a schematic diagram of an investment and financial setting device of a cloud housekeeper system according to an embodiment of the present invention.

According to the usual working methods, the various features and components in the drawings are not drawn to scale, the drawing method is to present the best way related to the present invention Specific features and components. In addition, between different drawings, the same or similar element symbols are used to refer to similar elements/components.

In order to make the description of this disclosure more detailed and complete, the following provides an illustrative description of the implementation form and specific embodiments of the present invention; however, this is not the only form for implementing or using specific embodiments of the present invention. The embodiments cover the features of multiple specific embodiments, as well as the method steps and their sequence for constructing and operating these specific embodiments. However, other specific embodiments can also be used to achieve the same or equal functions and sequence of steps.

Unless otherwise defined in this specification, the meanings of scientific and technical terms used herein have the same meanings as those understood and used by those with ordinary knowledge in the technical field to which the present invention belongs. In addition, without conflicting with the context, the singular noun used in this specification covers the plural form of the noun; and the plural noun used also covers the singular form of the noun.

In addition, as used herein, "connected" may refer to two or more elements making direct physical or electrical contact with each other, or indirectly making physical or electrical contact with each other, or may refer to two or more elements operating with each other or Actions, or connecting via a network, do not depart from the spirit and scope of the present invention. Furthermore, the components such as systems, devices, components, and servers used in this article can be operated in separate computer hosts or devices, or can be operated and integrated into one or more computer hosts or devices. , Which does not depart from the spirit and scope of the present invention.

Fig. 1 is a schematic diagram of a cloud housekeeper system according to an embodiment of the present invention, and Fig. 2 is a schematic diagram of an investment and wealth management setting device of the cloud housekeeper system.

As shown in the figure, the cloud housekeeper system 100 includes an account management device 200 and an internet banking server 300. The account management device 200 is connected to the internet banking server 300 using a network.

The account management device 200 includes a main account management module 210 and a sub-account binding module 230. The sub-account binding module 230 is connected to the main account management module 210, so that the main account management module 210 can effectively manage a sub-account.

With the main account management module 210 of the present invention, it is possible to effectively solve the management of the connection of family member accounts and the disbursement of necessary funds. In one embodiment, the family member A is the main source of income for the family. There is a family member B above, for example, immediate relative B, and a family member C below, for example, immediate family relative C. Family member A needs to transfer the monthly living expenses to the immediate relative B and transfer the monthly pocket money to the direct relative C. Although the current online banking account can make a monthly appointment to transfer the above living expenses and pocket money. However, family members A can log in via the online banking accounts and passwords of direct relatives B and direct relatives C unless they have the function of applying for online banking.

That is to say, in traditional accounts such as children's financial management, parents cannot see the bank account balances of their direct relatives, C and others, from their own online banking. Therefore, if the family member A simply wants to know the account balance of the immediate relative B and the immediate relative C, he must still log in to the immediate relative The bank accounts of B and the immediate relatives C, if necessary, must individually apply for the function of online banking.

The cloud housekeeper system 100 disclosed in the present invention can conveniently inquire the balance of sub-accounts, and facilitate the transfer of a sufficient amount at an appropriate time, so it can effectively improve the convenience and functionality of the account management of online banking customers .

The cloud housekeeper system 100 disclosed in the present invention utilizes the main account management module 210 of the account management device 200, which can effectively improve the convenience of account management of the bound immediate family members. However, in order to further increase the security of the account, the cloud housekeeper system 100 disclosed in the present invention further includes an identity verification server 400. The identity verification server 400 is connected to the internet banking server 300 via the network, and can also be directly or indirectly Connected to the account management device 200, the invention is not limited to this.

When family member A wants to manage the accounts of immediate relatives B and immediate relatives C, identity verification is required first. Generally speaking, you can provide the double certificates of the main account and the sub-account to confirm the immediate relationship and fill in After the application, open the online setting function and record it on the identity verification server 400 to provide that the master account can be directly operated on online banking. However, the present invention is not limited to this, it can also use natural person certificates or other methods of identity verification In order to determine the identity before binding the sub-account and record it in the identity verification server 400, it does not deviate from the spirit and scope of the present invention.

After being authenticated, the family member A can log in to the online banking server 300 using the account management device 200, and use the sub-account binding module 230 to bind the sub-account. Among them, the internet banking server 300 includes There is a data storage device 320 that records the relevant bank deposit data of the main account of the family member A, and may also record the relevant bank deposit data of the sub-accounts of the immediate relative B and the immediate relative C. However, the present invention is not limited to this. The cloud housekeeper system 100 disclosed in the present invention can be used by direct family members B and direct family members C without opening an online banking function. After the account is bound, family member A can use the account The management device 200 logs into the online banking server 300 to directly query the relevant bank deposit information of the sub accounts of the direct relative B and the direct relative C, while the direct relative B and the direct relative C can eliminate the need to open and operate the online banking function , To effectively avoid the possibility of elderly or children operating errors or being scammed.

When binding a sub-account via internet banking, family member A can log in to family member A’s internet banking, and then bind or unsubscribe the sub-account, which can also be used with one-time password (OTP) ) Or use financial cards and card readers to confirm your identity. Generally speaking, if you need to re-bind after you unbind, you must apply again at the counter to effectively manage the functional permissions of the main account and sub-accounts, and effectively avoid future troubles in account use. The Internet banking server 300 includes an identity confirmation module 310 connected to the data storage device 320 to perform the identity confirmation of each account such as the above-mentioned master account and sub-account, and record it in the data storage device 320.

In one embodiment, the main account management module 210 of the cloud housekeeper system 100 includes an appropriation setter 212, an inquirer 214 connected to the appropriation setter 212, an appropriation return 216 connected to the inquirer 214, and an investment finance The setter 218 is connected to the appropriation register 216.

After binding the main account and the sub-account, the main account management module 210 can use the appropriation setter 212 to set a single appropriation, periodic appropriation and/or fixed appropriation for transfer to the sub-account. In addition, with the query 214, the main account management module 210 can directly query the balance of the sub-account, thereby ensuring that the deposit amount of the sub-account is sufficient. Since the cloud housekeeper system 100 can directly inquire the balance of the sub-account through the finder 214, and can also use the appropriation setter 212 to make transfer settings, the main account management module 210 can also be set when the sub-account amount is lower than a predetermined amount At that time, transfer a predetermined amount to the sub-account, or set to maintain the balance of the sub-account at any time higher than a predetermined deposit balance to ensure the convenience of direct relatives B and direct relatives C.

In addition, the query device 214 can also query relevant data such as the main account appropriation transaction statistics and sub-account transaction details within the past year, without departing from the spirit and scope of the present invention. The appropriation register 216 can provide the main account to deposit the disbursed amount within 24 hours of appropriation to avoid transferring the wrong amount into the sub-account as a remedy.

The investment and wealth setting device 218 includes a deposit setting component 219 and a fund setting component 220 connected to the deposit setting component 219.

Through the deposit setting component 219 of the investment and wealth management setting device 218, the family member A can directly use the account management device 200 to set up deposits for the sub-account, such as zero deposit repayment, repayment and repayment. Through the fund setting component 220 of the investment wealth setting device 218, the family member A can directly use the account management device 200 to set the time and amount of investment wealth management for the sub-account, such as functions such as regular fixed fund deduction setting/cancellation/redemption. Investment Banking Setter 218 can further carry out other financial management commodity investment and other functions, which do not deviate from the spirit and scope of the present invention.

In summary, a cloud housekeeper system disclosed in the present invention can create an online bank with family account management functions, breaking the current limitations of personal online banking, providing family account managers with the convenience of managing family member accounts, and solving family management The inconvenience of the member account, and without having to log in to each account, the main account manager can see the account details, which is convenient for the manager to check the status of the managed account.

Although the above embodiments disclose specific examples of the present invention, they are not intended to limit the present invention. Those with ordinary knowledge in the technical field to which the present invention belongs, without departing from the principle and spirit of the present invention, should Various changes and modifications can be made to it, so the scope of protection of the present invention shall be defined by the scope of the accompanying patent application.

100‧‧‧ cloud housekeeper system

200‧‧‧Account management device

210‧‧‧Master Account Management Module

212‧‧‧ Grant Setter

214‧‧‧Query

216‧‧‧ Appropriation register

218‧‧‧Investment Manager

230‧‧‧Sub-account binding module

300‧‧‧ Internet Banking Server

310‧‧‧ Identity Confirmation Module

320‧‧‧Data storage device

400‧‧‧Identification server

Claims (6)

A cloud housekeeper system, including: an internet banking server; an account management device connected to the internet banking server using a network, wherein the account management device includes a master account management module for managing a master An account, and a sub-account binding module, connected to the main account management module, so that the main account management module can manage at least one sub-account, wherein the main account and the sub-account belong to two direct relatives and Identity verification; and an identity verification server, which records the identity verification data of the main account and the sub-account, and connects to the online banking server via the network, wherein the main account management module includes: a grant setter , Set a single appropriation, a regular appropriation or a certain amount of appropriation to be transferred from the main account to the sub-account; a finder, connected to the appropriation setter, to provide the main account management module to query the sub-account Balance; and an appropriation register, connected to the finder to provide the master account management module to use the appropriation register to deposit the appropriation within 24 hours of appropriation, and when the appropriation exceeds 24 hours, the The appropriation register cannot store the appropriation. The cloud housekeeper system as described in claim 1, wherein the main account management module further includes an investment and wealth setting device connected to the appropriation register to set the time and amount of investment and wealth management for the sub-account. The cloud housekeeper system as described in claim 2, wherein the investment and wealth setting device includes a deposit setting component to set a certain deposit for the sub-account. The cloud steward system as described in claim 3, wherein the investment and wealth setting device further includes a fund setting component connected to the deposit setting component to set the setting, cancellation or redemption of the fund's regular fixed deduction for the sub-account. The cloud housekeeper system according to claim 4, wherein the online banking server includes an identity confirmation module to perform the identity confirmation of the main account and the sub-account. The cloud housekeeper system according to claim 5, wherein the online banking server further includes a data storage device connected to the identity confirmation module to record the identity confirmation data of the main account and the sub-account.

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