TWM585388U - The system of applying customer transaction details to customized ledger and household ledger - Google Patents

Abstract

This creation provides a bookkeeping system, which includes: a transaction details integration database, which can collect a user's accounting transaction details data; a transaction details integration data platform, which includes: a real-time write-off module, which will be used by users When making a payment through an action, the data is transferred to the transaction details integration database; a person's cloud ledger module integrates the data of the transaction details integration database through the system's automatic reconciliation, subcategories and automatic accounting, and creates a personal cloud Ledger; a customized ledger module, users can design personal cloud ledger styles and filter rules by the system automatically reconciled and automatically recorded, to create personal customized ledger; a family ledger A module that allows family members to share and share personal cloud ledgers with each other, and the system automatically remits and automates accounting to create a family ledger; a ledger sharing and distribution module allows personal cloud ledger to be set within a specific period Sharing with designated persons such as relatives and friends to access the ledger, the shared transaction details of the ledger will automatically mask the sensitive data of sensitive personal information, and have a deadline And the specified object can browse the share books. When you want to share a certain fee with the designated object, when the designated object reads the shared account book, it will automatically try to calculate the amount of each person's share of the cost and provide an immediate transfer function to quickly transfer to the designated account of the original payer; Petty money management module. Users use an electronic ticket, a mobile payment or a mobile virtual wallet to bind a bank account as a payment tool. The system will analyze the use of the petty money management module; and a smart analysis module Group to analyze the historical data of the user's personal cloud ledger module, and provide user-account statistical analysis charts after automatic trial calculation.

Description

Customized ledger and household ledger system for integrating customer transactions

This creation provides a customized ledger and family ledger system that integrates customer transaction details, including an integrated database of transaction details, an instant write-off module, a cloud account ledger module, and a customized ledger ledger module. , A family ledger module, a ledger sharing and distribution module, a petty cash management module and a smart analysis module.

With the rapid development of mobile payment and third-party payment, in addition to credit cards for consumer payment habits, various Pay and payment tools now support bank account binding. For example, Youyou Card, Street Payment, Taiwan Pay, etc. can be bound to bank account numbers. , So that students who are not accustomed to using credit cards or cannot use credit cards can enjoy the convenience of mobile payment without having to bring cash. As people increasingly do not use cash, they change to electronic tickets (youyou card / one card ...) and mobile payment (jiekou payment / Line Pay / Taiwan Pay / Apple Pay / Android Pay / Samsung Pay ...). Buy daily parking fees or pay tax bills, etc.

These accounts are small amounts and very difficult to manage. And when multiple people (such as family travel, self-help travel between friends), encounter shared costs, such as mobile payment is also difficult to split. And the mobile payment app and billing software in the office still cannot The transaction details are aggregated into a family account book, and it cannot provide real-time write-off and automatic accounting. As a result, users must connect to online banks to query bank account transaction details and credit card undelivered details, and record each invoice amount and Consumption details can really write off the expenditure control expenses. In addition, the general public does not have enough information to compile household balance sheets, profit and loss statements, and cash flow statements, nor can they establish a comprehensive financial planning.

To sum up, therefore, one method can solve the inconvenience of bookkeeping, that is, the method of applying the details of customer transactions to the customized account book and household account book has become an urgent task.

Unless defined otherwise, all technical terms used herein have the same meaning as known to one of ordinary skill in the art to which this creation belongs. Unless the context clearly indicates otherwise, the singular forms "a", "an" and the like used in this specification and the appended claims include plural references. Unless otherwise stated, any reference to "or" herein is intended to cover "and / or".

The following sections provide explanations of some aspects of this creation. These explanations present the concepts selected in this creation in a simplified form, as a more detailed description of the presentation presented below.

This creation provides a ledger system, which includes: a transaction details integration database 20, which can collect a user account transaction details data; a transaction details integration data platform 10, including: a real-time write-off module 102, When the user uses mobile to pay, when the banking system receives the transaction data, it will transfer the data to the transaction details integration database; a person's cloud ledger module will integrate the transaction details integration database data through the system's automatic reconciliation. Self-check After the sales and data statistics, the personal identity card number ID is used as the key value to categorize the user's account transaction details and automatic accounting books, and according to the remarks of the transaction details, perform classification and automatic accounting to make individuals. Cloud ledger 108; a petty money management module 103, the user uses an electronic ticket, a mobile payment or a mobile virtual wallet to bind a bank account as a payment tool, and the system will analyze the use of the petty money management module, If the amount to be paid is within the set amount, the system will notify the bank account to remit the set amount as stored value. If the amount to be paid exceeds the set amount, the set user will be notified whether to agree to the adjustment. High amount; and a smart analysis module 101, which analyzes the historical data of the user's personal cloud ledger module, including the amount of consumption expenditure and the estimated expenditure amount and items, and provides user-account statistical analysis charts through automatic trial calculation .

Preferably, the aforementioned transaction details integration database includes: personal bank accounts, credit card details, e-ticket-linked bank accounts and credit cards, mobile payments, personal home account names and files, personal loans and insurance or investment financial product information.

Preferably, the detailed account transaction information of the user further includes an electronic invoice platform 401 of the Ministry of Finance, an external payment system (e-Bill National Payment Network) 402, or an appointment debit and account data 403 of an entrusted institution.

Preferably, the aforementioned mobile payment system includes a mobile payment APP 301, a portable bank APP 302, or an online bank 303.

Preferably, the aforementioned personal cloud ledger module may further include a customized ledger module 105, and a user may design a personal cloud ledger style by himself, define it as a personal customized ledger, and determine which transactions The detailed remarks and transaction date and time are classified and stored in the rules of personal customized books. Through the set rules, the system automatically After the screening, a customized account book 109 is provided, which provides instant write-off and automatic accounting, eliminating the inconvenience of self-accounting and accounting.

Preferably, the aforementioned personal cloud ledger module further includes a family ledger module 106. Through the family members, with the consent of the family members to open the personal cloud ledger to each other, they can link each other's books and create a copy For the family ledger, the system automatically compiles and collects the details of the mutual shared ledger of the family members to make a family ledger 110, which provides instant verification and automatic accounting, eliminating the inconvenience of self-accounting and accounting.

Preferably, the aforementioned ledger sharing and account sharing module 107 is a personal cloud ledger. In addition to providing personal access, it can also be set to be shared with a specified object such as a relative or friend to access the ledger within a specified period of time. This transaction details will automatically mask the sensitive data of sensitive personal information, and create a shared ledger that is limited and can be viewed by designated users. When you want to share a certain fee with the designated person, when the designated person reads the shared account book, it will automatically try to calculate the amount of each person's shareable cost, and provide an immediate transfer function to quickly transfer to the designated account of the original payer.

Preferably, the foregoing real-time verification module 102 performs the following steps: (1) the user binds a bank account or credit card account in advance with a mobile payment app, and sets the electronic invoice mobile phone carrier number or electronic ticket information in the banking system; (2). When the user opens the consumption deduction, payment tax and transfer of the mobile payment wallet, when the banking system receives the transaction data, it is linked to the transaction details integration database 20 to query the data. The system uses the personal identification number ID The account transaction details after returning to the household are used as the base data, and the user's electronic invoice consumption details are automatically downloaded, and the data verification is completed with the account transaction details, and (3). Real-time verification is performed from the account transaction details, no If the data cannot be written off or partially written off, the passive write-off method will be adopted. The user manually confirms the transaction data and notes that the transaction has been written off, and then automatically records it to the transaction details integration data platform. Personal cloud ledger.

10‧‧‧Contact Details Integrated Data Platform

101‧‧‧Smart Analysis Module

102‧‧‧Real-time write-off module

103‧‧‧ Petty Money Management Module

104‧‧‧Personal Cloud Ledger Module

105‧‧‧Customized ledger module

106‧‧‧Family ledger module

107‧‧‧Ledger Sharing and Ledger Module

108‧‧‧ Personal Cloud Ledger

109‧‧‧Customized ledger

110‧‧‧Family ledger

111‧‧‧Expense reminders, fixed purchase plans, pocket money reminders, household financial statements, financial expert knowledge base

20‧‧‧Contacts integration database

301‧‧‧Mobile payment APP

302‧‧‧Mobile Bank APP

303‧‧‧Internet Banking

401‧‧‧Ministry of Finance Electronic Invoice Platform

402‧‧‧External payment system

403‧‧‧Information of appointment debit and account entrusted by public institution

The first picture of transaction details integrated data platform

The second diagram of the book book system module

The third figure is a schematic diagram of the system of customer transaction details applied to the customized ledger and family ledger

The fourth diagram of the use of the book creation system

Fifth figure real-time write-off module flowchart

In order to make the technical content, creative purpose and effect achieved by this creation more complete and clear disclosure, it is described in detail below, and please also refer to the drawings and figures disclosed. Please refer to the first figure. The transaction detail integration database 20 and the transaction detail integration data platform 10 include: a smart analysis module 101, a real-time write-off module 102, a petty money management module 103, and a person's cloud account. This module 104, a customized ledger module 105, a family ledger module 106, and a ledger sharing and distribution module 107.

Example one, operation examples of each platform and module

This creation is an account book system, which runs on a computer host or a mobile device, and contains the following modules: the transaction details integration database 20, which is used to collect a user's account transaction details. The account transaction details include : Personal bank account information, credit card details, electronic invoice carrier information of the Ministry of Finance, e-tickets (Youyou Card / One Card ...) linked bank accounts and credit Card consumption details, mobile payment (street payment / Line Pay / Taiwan Pay / Apple Pay / Android Pay / Samsung Pay ...) consumption details, external payment information sources (ebilling national payment network ...), commission The information about the booked debit and account of the institution, the name and file of the personal return account, personal loans and insurance, and investment financial product information, etc. The acquisition of related information can be further linked to the electronic invoice platform 401 of the Ministry of Finance and an external payment system ( e-Bill National Payment Network) 402 or an entrusted public institution's appointment debit and account data 403.

The transaction details integration data platform 10 is connected to the transaction details integration database 20 and includes a real-time write-off module 102, a personal cloud ledger module 104, a petty money management module 103, and a smart analysis module 101.

Real-time write-off module 102, connected to the transaction details integration data platform 10, for providing users with a mobile payment system to make payments when the banking system receives transaction data, linking to the transaction details integration database 20 to query data , The system automatically downloads the electronic invoice consumption details and transaction amount of the user ’s mobile phone, and then integrates the same transaction data with the account transaction details to complete the data comparison after the successful comparison of the data in the database 20. If the verification cannot be compared, the passive verification is used. In the write-off method, the user manually confirms the transaction data and notes that the transaction has been written off, and then automatically records it to the personal cloud ledger 108 of the ledger system; its real-time verification includes the following steps:

1. The user binds the bank account or credit card account in advance with the mobile payment APP, and sets the electronic invoice mobile phone carrier number or electronic ticket (youyou card) data in the banking system.

2. When the user opens the mobile payment wallet, it includes a mobile payment APP 301, a portable bank APP 302, or an online bank 303. When consumer deductions, payment taxes, and P2P transfers, the banking system now receives transaction data and links to the transaction details integration database 20 to query data. The system uses the details of the account transactions after the personal ID card number ID is returned to the account, and automatically downloads the user The details of the electronic invoice consumption of the mobile phone carrier, and then complete the data check with the account transaction details.

3. Real-time write-off from the account transaction details first. If there is no data that cannot be written off or part of the write-off is not complete, then a passive write-off method is used, and the user manually confirms the transaction information and notes the transaction. It has been written off, and then automatically recorded to the personal cloud ledger of the transaction details integration data platform. The personal cloud ledger can be accessed at any time through online banking, mobile banking or mobile APP, which is convenient for real-time information on personal consumption expenditures.

The personal cloud ledger module 104 is connected to the transaction details integration data platform 10, and is used to integrate the transactions details into the database 20 through the account book system's automatic summary according to the transaction summary, the accounts according to the transaction date and time, and transaction notes 2. The transaction amounts are all the same. After the verification is completed, the personal identity card number ID is used as the query key value to categorize the account book for automatic accounting of each user's transaction details, and follow the transaction notes of the transaction details. According to the classification of consumption types and automatic remittance and accounting, a one-person cloud ledger 108 is created. Its operation includes the following steps: from the transaction details integrated data platform, through the system's automatic remittance, account write-off, and data statistics, The personal ID number ID is a key value, which is classified into daily, monthly, quarterly, and annual personal account transactions, and the book is automatically recorded, and according to the remarks of the transaction details, such as food, clothing, living and education Music, payment taxes, transfers, investments, insurance, loans, and other automatic sub-categories and automatic bookkeeping. It is based on the concept of personal return to households and can be written off instantly. Cloud books.

The customized ledger module 105 is connected to the transaction details integration data platform 10, and is used to provide users with the ability to design personal cloud ledger styles, defined as personal customized ledger, and to determine which transaction details are explained in remarks And the transaction date and time, the classification of which is stored in the personal customized account book rules. For example, during the Japanese self-service travel, a Japanese self-service travel accounting book is established. Through the set rules, the system automatically filters the matching conditions to the users and customers. The systemized account book, also known as the self-service travel book in Japan, allows you to know the total consumption amount and details after returning from overseas trips, so you don't need to record and check it yourself.

The ledger sharing and account sharing module 107 is connected to the transaction details integration data platform 10. In addition to being set for personal use, the personal cloud ledger can also be set to be shared with friends and relatives for access within a specific period, such as forwarding to LINE message. However, considering the confidentiality of the data, the shared account transaction details will automatically mask sensitive data such as account numbers, ID numbers, etc. Only the transaction date, transaction time, remarks description of the transaction details, and transaction amount will be displayed. This application scenario, for example, uses mobile payment to advance advance travel expenses. If you need to let your friends and family know the expenditure details and share the costs among themselves, you can select the transaction details you want to share, and you can view them with deadlines and specific objects. Share the ledger. When friends and relatives see the shared ledger, the ledger provides an automatic trial calculation of the amount of the cost to be apportioned, and provides immediate transfer to the designated account of the original payer.

The family ledger module 106 is connected to the transaction details integrated data platform 10, and through family members (such as couples, children, etc.), if the family members share personal cloud ledger with consent, they can link each other's ledger, and Established into a family ledger, the system automatically aggregates the details of the family members' shared transactions with each other to make a family ledger, which provides instant verification and automatic accounting, eliminating the inconvenience of self-accounting and accounting .

The petty money management module 103 is connected to the transaction details integration data platform 10, and is used to provide users with an electronic ticket, a mobile payment, or a mobile virtual wallet to bind a bank account as a payment tool. The ledger system will analyze the petty money The use of the gold management module. If the amount to be paid is within the set amount, the ledger system will notify the bank account to remit the set amount as stored value. If the amount to be paid exceeds the set amount, The ledger system will notify Whether the set users agree to increase the amount, if the parents help the minor children with electronic tickets (Yu Card / One Card) or mobile payment (Street payment / Line Pay / Taiwan Pay / Apple Pay / Android Pay / Samsung Pay. ..) or mobile virtual wallets and other linked bank accounts as their petty payment source, the system will analyze the use of the petty money of the children. If it is within the set amount, it can automatically dial into the bound bank Accounts are used as stored value funds, or when a child ’s petty allowance exceeds the limit, parents are also notified whether they agree to increase the amount to meet the child ’s petty allowance.

Smart analysis module 101, connected to the transaction details integration data platform 10, is used to analyze the historical data of the user's personal cloud ledger module, including the amount of consumer expenditures, the estimated amount and items, and individuals from the external payment system 402 will pay Expenses and taxes, contracted debits and booked data of the entrusted business unit 403, the agreed transaction date and the deducted amount, through the transaction details integrated database 20 consumption, payment, credit, debit and other transaction data The project classification and amount trial method provides users with the proportion of the amount that they can spend each month, or the monthly fixed expenditure expenditure reminder, the monthly fixed purchase plan reminder, the monthly pocket money consumption situation, and the preparation of assets and liabilities. And other statistical charts such as income statement and cash flow statement. The system intelligently analyzes the customer ’s historical data, consumer spending habits, and monthly taxes and fees that are expected to be paid. Through automatic trial calculations, it provides the customer with a percentage of the amount that they can spend each month, or monthly fixed expenditure expenditure reminders, and monthly fixed Reminder of purchase plan, monthly pocket money consumption of children, etc., and provides a variety of statistical analysis charts, you can also compile household balance sheet and profit and loss statement and cash flow statement function. In addition, the average value will be given a reference based on the consumption expenditure status of the same age. For example, compared with the average value of the same age, the percentage of telecommunication expenses spent each month.

The publicly shared account book can be scored by other users, and a knowledge base of the top 100 bookkeepers and bank financial experts can be established to aggregate their expenditures and account for the total revenue. The reference value of the percentage of investment, the budget amount, and the investment amount, provides the reference value of the expert knowledge base in the system. Make personal and family accounting faster and easier to grasp information and establish a comprehensive financial planning.

Claims (12)

A ledger system, which operates in a computer host or a mobile device, includes: a transaction details integration database for collecting a user's transaction details data; a transaction details integration data platform that connects the transaction details The integrated database includes: a smart analysis module connected to the transaction details integrated data platform; a real-time write-off module connected to the transaction details integrated data platform; a petty money management module connected to the transaction details integrated data platform ; And a one-person cloud ledger module that connects to the transaction details integration data platform. The ledger system described in item 1 of the scope of patent application, wherein the smart analysis module is used to analyze the historical data of the user's personal cloud ledger module, including the amount of consumer expenditure, the amount and projected expenditure, and external payment Individuals in the system will pay the fees and taxes, commission the contracted debit and account information of the business unit, and the agreed transaction date and the amount of the deduction, by integrating the transaction, consumption, payment, debit and deduction transactions in the database. The method of data classification and amount trial of data provides users with the proportion of the amount that they can spend each month, or the reminders of fixed monthly expenditures, the reminders of fixed monthly purchase plans, the consumption of monthly pocket money, and the compilation. Balance sheet, profit and loss statement and cash flow statement statistics. The ledger system described in item 1 of the scope of patent application, wherein the real-time write-off module is used to provide the bank system to connect to the transaction details when the bank system receives the transaction data when the user uses a mobile payment system to make a payment. Integrate database query data, the system automatically downloads the electronic invoice consumption details and transaction amount of the user's mobile phone carrier, and then compiles the same transaction data with the account details to complete the data check after the successful comparison of the database. The passive write-off method is adopted, and the user manually confirms the transaction data and notes that the transaction has been written off, and then automatically records to the personal cloud ledger of the ledger system. The ledger system described in item 1 of the scope of patent application, wherein the petty cash management module is used to provide users with an electronic ticket, a mobile payment, or a mobile virtual wallet to bind a bank account as a payment tool. The system will analyze the usage of the petty money management module If the amount to be paid is within the set amount, the ledger system will notify the bank account to remit the set amount as stored value; if the amount to be paid exceeds the set amount, the ledger system will notify Whether the set users agree to increase the quota. The ledger system described in item 1 of the scope of the patent application, wherein the personal cloud ledger module is used to integrate the details of the database with the transaction details, and the account book is automatically accounted for by the transaction summary, and the account is traded by transaction. The date and time, transaction remarks, and transaction amount are all consistent. After the write-off is completed, the personal identification number ID is used as the query key value to classify the account book for each user's transaction details and automatically record the accounts, and follow the transaction details. The transaction remarks are classified by consumption type and automatically remitted and booked to make a personal cloud ledger. The ledger system described in item 1 of the scope of patent application, where the transaction details integration database includes: personal banking, credit card details, e-ticket linked bank accounts and credit cards, mobile payments, personal home account names, name files, Personal loans and insurance or investment financial commodity information. According to the ledger system described in item 1 of the scope of patent application, the detailed account information of the user further includes the electronic invoice platform of the Ministry of Finance, an external payment system, or appointment deduction and account information of an entrusted public institution. The ledger system according to item 1 of the patent application scope, wherein the mobile payment system includes a mobile payment APP, a portable bank APP or an online bank. The ledger system described in item 5 of the scope of patent application, wherein the personal cloud ledger module further includes a customized ledger module connected to the transaction details integrated data platform for providing users to design personal cloud ledger modules. The style of this book is defined as an individual customized account book to determine the remarks and transaction date and time of the transaction details. Its classification is stored in the personal customized account book. By setting filtering rules and searching keywords, the system automatically filters matches Match the conditions to make a customized ledger. The ledger system described in item 5 of the scope of patent application, wherein the personal cloud ledger module further includes a family ledger module connected to the transaction details integrated data platform for providing That is, family members share personal cloud ledger with each other. With the consent of family members, family members can share personal cloud ledger with each other, that is, linking each other's ledger to create a family ledger. The system links the family member's A personal cloud ledger, and an integrated database of transaction details, aggregates and counts the transaction data of all family members in the same transaction period to make a family ledger. The ledger system described in item 1 of the scope of patent application, which includes a ledger sharing and account sharing module, which is connected to the transaction details integration data platform for providing personal access and setting sharing to specified objects within a specified period. When accessing the ledger, the shared ledger transaction details will automatically mask the sensitive data of sensitive personal information. It will be a shared ledger that can be viewed only for a limited period of time and the designated object. After the designated object has viewed the shared ledger, When sharing a certain expense with a designated object, the ledger sharing and accounting module automatically calculates the amount of each person's amortizable expenses by dividing the total amount by the number of amortizable persons, and provides an immediate transfer function to transfer to the original on-demand payer Designated account. According to the ledger system described in item 1 of the scope of patent application, the real-time write-off module includes the following real-time write-off steps: (1) The user binds a bank account or credit card account with a mobile payment APP in advance, and sets E-invoice mobile phone carrier number or e-ticket information in the banking system; (2) When the user opens the mobile payment wallet for consumption deductions, payment taxes and transfers, when the banking system receives the transaction data, it is linked to the transaction details and integration The database queries the data. The system uses the details of the account transactions after the personal ID number ID is returned to the household as the reference data, and automatically downloads the user's electronic invoice consumption details, and then completes the data verification with the account transactions; (3) from the account Real-time write-off of transaction details. If there is no data that has not been written off or part of the write-off has not been completed, a passive write-off method is used. The user manually confirms the transaction data and notes that the transaction has been written off, and then Automatic billing to personal cloud ledger for transaction details integration data platform.