TWM562452U - 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 Butler System

The present invention relates to a housekeeping system, and more particularly to a cloud housekeeping system.

At present, the accounts related to family finance are mainly oriented to the opening of children's accounts, and the children's accounts are planned by investment and financial management, as the agreed fund investment or insurance-related business deduction.

As a result, the exclusive child financial account is becoming more and more savvy. Some banks have also introduced fixed deposits for child financial accounts to deposit directly into deposits to help future owners accumulate the first bucket of gold.

In addition, as the birth rate of newborns in Taiwan has decreased year by year, the total fertility rate in 2013 is 1.07. Although it has rebounded slightly after 2014, the trend of declining birth rate makes parents pay more attention to children's education, and cultivates children's international vision and correct money. important.

The management of financial education and money needs to take root since childhood. Although, the bank has launched a child financial account, and has many concessions to meet the needs of parents and children. However, the existing child financial account has some shortcomings, so that parents can manage the child financial account. At that time, it is still necessary to enter the online banking of the child financial account before it can be processed, which often causes inconvenience in use.

In addition, with the advent of the ageing society, the Mesozoic is the mainstay of the family economy. Therefore, it is not only necessary to teach and manage children's wealth management accounts, but also must provide appropriate money to the older generation or two generations of elders as a filial piety and daily life. . However, current online banking accounts are still unable to take into account such needs, so that there is still room for improvement.

The novel content is intended to provide a simplified summary of the disclosure in order to provide a basic understanding of the disclosure. This Summary is not an extensive overview of the disclosure, and is not intended to identify key/critical elements of the novel embodiments or the scope of the invention.

One of the contents of this new content is to provide a cloud housekeeping system to facilitate financial management of family members.

To achieve the above objectives, one aspect of the present invention relates to a cloud steward system including an online banking server and an account management device. The account management device uses a network to connect to the online banking server, and the account management device includes a primary account management module and a sub-account binding module connected to the primary account management module, so that the primary account management module can Manage at least one sub-account.

The cloud housekeeping system also includes an authentication server that uses the network to connect to the online banking server.

In one embodiment, the primary account management module includes a grant setter, a querier coupled to the grant setter, a grant restorer coupled to the querier, and/or an investment wealth setter coupled to the grant restorer.

In one embodiment, the investment banking setter includes a deposit setting component, and a fund setting component is coupled to the deposit setting component.

In an embodiment, the online banking server includes an identity verification module and a data storage device coupled to the identity verification module.

Therefore, the above-mentioned cloud housekeeper system can create an online bank with family account management function, break the limitation of the current personal online banking, provide the convenience of the family account manager to manage the family member account, and solve the inconvenience of managing the family member account without By logging in to each account, the primary account manager can see the account details and facilitate the administrator to check the status of the managed account.

The basic spirit and other novel objects of the present invention, as well as the technical means and implementations of the present invention, can be readily understood by those of ordinary skill in the art.

100‧‧‧Cloud Butler System

200‧‧‧ account management device

210‧‧‧Master Account Management Module

212‧‧‧Appropriation Setter

214‧‧‧ querier

216‧‧‧grant back buffer

218‧‧‧Investment and wealth management setter

219‧‧‧ deposit setting component

220‧‧‧ Fund setting components

230‧‧‧Sub-Account Binding Module

300‧‧‧Internet Banking Server

310‧‧‧identification module

320‧‧‧ data storage device

400‧‧‧Authentication Server

The above and other objects, features, advantages and embodiments of the present invention will be more apparent and understood. The description of the drawings is as follows: FIG. 1 is a schematic diagram showing a cloud housekeeper system according to an embodiment of the present invention.

2 is a schematic diagram of an investment management setter of a cloud butler system according to an embodiment of the present invention.

In accordance with the usual mode of operation, the various features and elements in the drawings are not drawn to scale, and are drawn in an optimal manner to present the present invention. Specific features and components. In addition, similar elements/components are referred to by the same or similar element symbols throughout the different drawings.

In order to make the description of the present disclosure more detailed and complete, the following description of the embodiments of the present invention and the specific embodiments thereof are set forth. The features of various specific embodiments, as well as the method steps and sequences thereof, are constructed and manipulated in the embodiments. However, other specific embodiments may be utilized to achieve the same or equivalent function and sequence of steps.

Unless otherwise defined in the specification, the meaning of the scientific and technical terms used herein is the same as that of ordinary skill in the art. In addition, the singular noun used in this specification covers the plural of the noun in the case of no conflict with the context; the plural noun of the noun is also included in the plural noun used.

In addition, the term "connected" as used herein may mean that two or more elements are in direct physical or electrical contact with each other, or indirectly in physical or electrical contact with each other, or that two or more elements are interoperable or Actions, or connections through the Internet, do not depart from the spirit and scope of the present invention. Furthermore, the components, devices, components, and servers used herein may be operated in separate computer mainframes or devices, and may be operated and integrated in one or more computer mainframes or devices. They do not deviate from the spirit and scope of this new model.

1 is a schematic diagram of a cloud butler system according to an embodiment of the present invention, and FIG. 2 is a schematic diagram of an investment management setter of a cloud butler system.

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

The account management device 200 includes a master account management module 210 and a child 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 problem of managing the connection of the family member account and the funds required. In one embodiment, family member A is the family's primary source of economic income, with family member B, such as a direct family member B, and a family member C, such as a direct family member C. Family member A needs to transfer the monthly living expenses to the immediate family member B and transfer the monthly pocket money to the immediate family member C. Although the current online banking account can be renewed by monthly appointments, the above-mentioned living expenses and pocket money can be transferred. However, unless the immediate family member B and the immediate family member C have the function of applying for online banking, the family member A can log in through the online banking account number and password of the immediate relatives B and the immediate family member C to check the balance of the relevant account.

That is to say, in traditional children's wealth management and other types of accounts, parents cannot see the bank account balance of their immediate relatives C and others from their own online banking. Therefore, if family member A simply wants to know the account balance of immediate relatives B and immediate family members C, they must still log in to their immediate relatives. B and the bank account of the immediate family C, if necessary, must apply for the function of online banking.

The cloud housekeeper system 100 disclosed in the present invention can conveniently query the balance of the sub-account and facilitate the import of sufficient amount at an appropriate time, thereby effectively improving the convenience and functionality of the account management of the online banking client. .

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

When family member A wants to manage the accounts of direct relatives B and direct relatives C, first of all, identity verification is required. Generally speaking, the dual-documents of the primary account and the sub-account can be provided by the counter to confirm the immediate family relationship and fill in the form. After the application, the online setting function is turned on and recorded in the authentication server 400 to provide the main account to be directly operated on the online banking. However, the present invention is not limited thereto, and the natural person certificate or other authentication method may also be adopted. The identity is determined prior to binding the sub-account and is recorded in the authentication server 400 without departing 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 by using the account management device 200, and use the sub-account binding module 230 to bind the sub-account. Wherein, the online banking server 300 includes There is a data storage device 320, which records the relevant bank deposit information of the main account of the family member A, and may also record the relevant bank deposit information of the sub-accounts of the immediate relatives B and the immediate relatives C. However, the present invention is not limited thereto. The cloud housekeeper system 100 disclosed in the present invention can directly use the online banking function without the need to open an online banking function. After the account is bound, the 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 immediate relatives B and the immediate relatives C, and the immediate relatives B and the immediate relatives C can open and operate the online banking function. Effectively prevent the elderly and children from operating errors or the possibility of fraud.

When a sub-account is bound via online banking, family member A can log in to the online bank of family member A, and then set or unbind the sub-account, which can also be combined with a one-time password (OTP). ) Use a financial card and a card reader to confirm your identity. In general, if you need to bind again after unbinding, you must apply again at the counter to effectively manage the functions of the main account and sub-accounts, effectively avoiding the troubles of future account usage. The online banking server 300 includes an identity verification module 310 connected to the data storage device 320 for performing identity verification of each account such as the primary account and the sub-account, and recording the same in the data storage device 320.

In an embodiment, the master account management module 210 of the cloud housekeeping system 100 includes an appropriation setter 212, a querier 214 connected to the appropriation setter 212, an appropriation buffer 216 connected to the querier 214, and an investment financial management. The setter 218 is coupled to the grant buffer 216.

After the primary account and the sub-account are bound, the primary account management module 210 can use the grant setter 212 to set a single grant, a periodic grant, and/or a quota grant for transfer to the sub-account. In addition, by the querier 214, the primary 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 query the balance of the sub-account by the querier 214, and can also use the grant setter 212 to perform the transfer setting, the main account management module 210 can further set the sub-account amount to be lower than a predetermined amount. At that time, transfer a predetermined amount to the sub-account, or set the balance of the sub-account to be higher than a predetermined deposit balance at any time to ensure the convenience of the direct relatives B and the immediate relatives C.

In addition, the querier 214 can query the main account grant transaction statistics and sub-account transaction details in the past one year, and the like, without departing from the spirit and scope of the novel. The grant repositor 216 can provide the main account within 24 hours of the appropriation, and restore the disbursed amount to avoid the transfer of the wrong amount into the sub-account as a remedy.

The investment management setter 218 includes a deposit setting component 219 and a fund setting component 220 coupled to the deposit setting component 219.

Through the deposit setting component 219 of the investment wealth manager 218, the family member A can directly use the account management device 200 to set a deposit for the sub-account, for example, a function of zero deposit, payment, and deposit. Through the fund setting component 220 of the investment wealth manager 218, the family member A can directly use the account management device 200 to set the time and amount of investment and financing for the sub-account, for example, the fund periodic fixed debit setting/release/redemption. Investment and wealth management setter 218 can further carry out other financial products investment and other functions, all without departing from the spirit and scope of the new model.

In summary, the cloud steward system disclosed in the present invention can create an online banking with family account management function, break the limitation of the current personal online banking, and provide the convenience of the family account manager to manage the family member account, and solve the management family. The inconvenience of the member account, and without having to log in to each account, allows the main account manager to see the account details, so that the administrator can check the status of the management account.

The specific embodiments of the present invention are disclosed in the above embodiments, and are not intended to limit the present invention. Those of ordinary skill in the art to which the present invention pertains, without departing from the spirit and scope of the present invention, Various changes and modifications may be made thereto, and the scope of protection of the present invention is defined by the scope of the accompanying claims.

Claims (10)

A cloud housekeeping system includes: an online banking server; and an account management device connected to the online banking server by using a network, wherein the account management device includes a primary account management module and a sub-account tied The master module is connected to the master account management module, so that the master account management module can manage at least one child account. The cloud housekeeping system of claim 1 further includes an authentication server that is connected to the online banking server by using a network. The cloud housekeeping system of claim 2, wherein the master account management module includes a grant setter. The cloud housekeeping system of claim 3, wherein the master account management module further comprises an querier connected to the grant setter. The cloud housekeeping system of claim 4, wherein the master account management module further comprises a grant register coupled to the querier. The cloud housekeeping system of claim 5, wherein the master account management module further comprises an investment management setter connected to the grant restorer. The cloud housekeeping system of claim 6, wherein the investment management setter includes a deposit setting component. The cloud housekeeping system of claim 7, wherein the investment management setter further comprises a fund setting component connected to the deposit setting component. The cloud housekeeping system of claim 8, wherein the online banking server comprises an identity confirmation module. The cloud housekeeping system of claim 9, wherein the online banking server further comprises a data storage device connected to the identity verification module.