TWM635321U - Financial management and accounting integration system - Google Patents

Abstract

The present model provides a financial accounting integration system, which is set in a bank host server with a transaction database, and provides a user with an electronic device to enter the financial accounting integration system for accounting management and financial management, including accounting data Import module, accounting data integration module and financial accounting output module. The accounting data import module is used to import multiple accounting data from the transaction database according to the request command or conditional command. The account data integration module is used to integrate financial accounting details according to user conditions and account data, wherein the user conditions are set by the user in advance, or the account data integration module generates a financial management habit of the user. The financial accounting output module is used to output the financial accounting details to the user's electronic device.

Description

Financial accounting integration system

The present invention belongs to the field of accounting integration, and specifically relates to a wealth management and accounting integration system which can automatically import and integrate accounting data.

Many people will use the accounting application (Application, abbreviated as APP) for accounting management. The existing accounting APP must be entered by the public one by one. It is quite inconvenient, and some income or expenditure may be missed, such as Fund dividends for which the amount cannot be determined.

In addition, most of the current billing apps need to be charged, and the billing apps that do not need to charge usually have advertisements, which brings inconvenience to the public and risks data leakage. Accordingly, the present invention provides a wealth management and accounting integration system that integrates the accounting APP and the Internet bank.

In order to allow users to use the bank's accounting application more conveniently, the new financial accounting integration system has added the functions of accounting and integrating accounting data. The new financial accounting integration system is set in a transaction database. In a bank host server, a user is provided with an electronic device to enter the financial accounting integration system for accounting management and financial management, and the financial accounting integration system includes a plurality of hardware circuits electrically connected to each other, which are composed of The state is formed into a plurality of modules, and the plurality of modules include an accounting data import module, an accounting data integration module and a wealth management bookkeeping output module. the account The data import module is connected to the transaction database by signal, and is used to import a plurality of accounting data from the transaction database according to a request command or a conditional command. The signal of the account data integration module is connected to the account data import module, which is used to integrate a financial accounting details according to user conditions and account data, wherein the user conditions are set by the user in advance, or by The account data integration module is generated according to a financial management habit of the user. The financial accounting output module is signal-connected to the accounting data integration module for outputting financial accounting details to the user's electronic device.

Optionally, the account information includes a salary information, a housing loan, a student loan, a credit, a fund distribution, a fund regular fixed investment, a securities transaction information, a securities dividend, an investment insurance policy dial return, a credit card billing information or a combination thereof.

Optionally, the request instruction means that the user makes a request through the electronic device, requesting the account information import module to import the account information from the transaction database; and the condition instruction is It means that the user has set a conditional period in the financial accounting integration system in advance, and when the conditional period is met, the account data import module will automatically import the account data from the transaction database.

Optionally, the financial accounting integration system further includes an accounting data setting module, which is signal-connected to the accounting data integration module and provided for users to set user conditions.

Optionally, the user conditions include rent, filial piety, pocket money, other income and/or other expenses, and a financial goal.

Optionally, the financial accounting details are selected from a monthly balance of disposable income, a cash flow statement, a monthly expenditure analysis or a combination thereof.

Optionally, the cash flow statement includes an income structure and an expenditure structure, and the income structure and the expenditure structure are presented in a pie chart or a radar chart.

Optionally, the financial accounting details further include a recent cash flow statement and a recent expenditure analysis, and the recent cash flow statement is presented as a line chart, and the recent expenditure analysis is presented as a pie chart or a radar chart .

Optionally, the financial accounting integration system further includes a financial planning suggestion module, which is signally connected to the accounting data integration module and the financial accounting output module, and is configured with an intelligent financial planner according to the financial accounting details and conditions. Draw a picture to provide a financial planning suggestion plan for the user's reference.

Based on the above, the integrated financial management and accounting system of the present invention can automatically import the user's account information, saving the time for input and setting for the user, and avoiding the risk of missing income or expenditure. In addition, the bank's accounting application requires an account number and password to enter, so users do not need to worry about leakage of personal information. In addition, the new financial accounting integration system helps users achieve financial goals at different stages of life by integrating multiple financial information of the bank.

100: Bank host server

110: Transaction database

200: Financial accounting integration system

210:Account data import module

220:Account data integration module

230: Financial accounting output module

240:Account data setting module

250: Financial Planning Advice Module

300: electronic device

S201~S207: steps

The accompanying drawings are provided to enable those having ordinary knowledge in the technical field of the present invention to further understand the present invention, and are incorporated and constitute a part of the description of the present invention. The drawings illustrate exemplary embodiments of the invention and, together with the description of the invention, serve to explain the principle of the invention. The following is a brief description of each figure of the present invention: FIG. 1 is a schematic functional block diagram of a financial accounting integration system according to an embodiment of the present invention; and FIG. 2 is a schematic flow diagram of a financial accounting integration system according to an embodiment of the present invention.

In order to make those with ordinary knowledge in the technical field further understand the technical features, content and advantages of this new creation and the effects it can achieve, the content of this new model will be described in detail below in the form of appropriate embodiments in conjunction with drawings. Embodiments It is only for the purpose of illustration and auxiliary explanation of this new creation, and does not limit the scope of rights of this new creation on actual embodiments.

This new financial accounting integration system integrates the available information of the accounting application (APP) and Internet banking to improve the various functions of the accounting application, and automatically imports the user's information from the transaction database of the Internet banking. Salary, various loans (such as housing loans or student loans), fund investment information, etc. In this way, the user does not need to input one by one, which can save the user's input time and avoid the occurrence of omissions.

This new type of integration system for financial management and bookkeeping

Please refer to FIG. 1 . FIG. 1 is a schematic functional block diagram of a wealth management and accounting integration system according to an embodiment of the present invention. The new financial management bookkeeping integration system 200 is set in a bank host server 100 with a transaction database 110, and the transaction database 110 stores personal account information including users, such as data in Internet banks (such as Including salary, general transfer records, etc.), credit information, credit card information (such as including credit card status, amount, payment method, etc.), securities information, and fund information, etc. .

The new financial management and accounting integration system 200 is provided for users to enter the financial management and accounting integration system 200 through the electronic device 300 to perform accounting management and financial management, and the financial management and accounting integration system 200 includes multiple The hardware circuit is configured into a plurality of modules, and the plurality of modules include an accounting data import module 210 , an accounting data integration module 220 and a wealth management accounting output module 230 . It is additionally mentioned that the electronic device 300 is a desktop computer, a notebook Therefore, the user can enter the online banking on the website or enter the bank application program (APP) for accounting management or financial management.

The account data import module 210 is connected to the transaction database 110 by signal, and is used to import a plurality of account data from the transaction database 110 according to a request command or a conditional command. The account data includes a salary of the user Information, a housing loan, a student loan, a credit, a fund dividend distribution, a fund regular fixed investment, a securities transaction information, a securities dividend, an investment policy reversal, a credit card bill information or a combination thereof.

In addition, the request command refers to the user submitting a request through the electronic device 300 to request the account data import module 210 to import a plurality of account data from the transaction database 110, wherein the request includes a specified period, For example, it is the account information of this week, the account information of this month, the account information of the last three months, or the account information of the last six months. The conditional command means that the user sets a conditional period in the financial accounting integration system 200 in advance. When the conditional period is reached, the account data import module 210 will automatically import multiple accounts from the transaction database 110. Service data, wherein the condition period is, for example, once a month, once every three months, or once every six months.

The technical features of the accounting data integration module 220 are further described. The account information integration module 220 is connected to the account information import module 210 by signal, which is used to integrate a user condition and the account information into a financial accounting detail, wherein the user condition is set by the user in advance , or generated by the accounting data integration module 220 according to the user's financial management habits.

To further illustrate how the user sets the user conditions in advance, the financial management and accounting integration system 200 of the present invention further includes an accounting data setting module 240, which is connected to the accounting data integration module 220 for the user to enter the financial management through the electronic device 300 Set user bar in billing integration system 200 The user condition includes rent, filial piety, pocket money, other income and/or other expenses, and a financial goal.

It is worth mentioning that the financial accounting details are selected from a monthly balance of disposable income, a cash flow statement, a monthly expenditure analysis or a combination thereof, and will give the required financial accounting details according to the actual situation of the user. Among them The cash flow statement includes an income structure and an expenditure structure, and the income structure and the expenditure structure are presented in a pie chart or a radar chart.

It can be understood that if the user has used the financial management and accounting integration system 200 for a long enough time, for example, more than 2 months, the financial accounting details produced by the accounting data integration module 220 will further include a recent cash flow statement And a recent spending analysis, which can analyze the spending difference between the user's last month and this month, the spending difference of the last three months, the spending difference of the last six months, or even the spending difference of the last year. Wherein, the recent cash flow statement is presented as a line chart, and the recent expenditure analysis is presented as a pie chart or a radar chart.

Then, the financial accounting output module 230 signally connected to the accounting data integration module 220 outputs the financial accounting details to the user's electronic device 300 for user's reference.

For example, user A's salary is 80,000 yuan on July 5, and the account data integration module 220 has the housing loan repayment of 20,000 yuan and the children's petty money of 6,000 yuan according to user A's fixed expenses in the past three months (determined by the user A’s self-set fixed expenses) and the fund’s regular quota of 6,000 yuan, calculate the disposable income of user A’s monthly balance between July 5 and August 4 to be 48,000 yuan. The financial accounting details can be For user reference. It is only for illustration, and the present invention is not limited thereto.

Furthermore, the financial management accounting integration system 200 of the present invention further includes a financial planning suggestion module 250, which is signally connected to the accounting data integration module 220 and the financial accounting output module 230, and is configured according to the financial accounting details and conditions. A smart financial plan to provide a financial planning advice and the financial planning and accounting output module 230 outputs the financial planning suggestion plan to the electronic device 300 for the user's reference. Among them, the smart wealth management plan includes the Bank's smart wealth management, loan trial calculation and trust, etc.

For example, user A fills in "children's education fund: pay tuition in September, target amount is 50,000 yuan" in the financial goal, then the financial planning suggestion module 250 will give user A a deal according to user A's fixed income and fixed expenses Financial planning advice plan for foreign currencies.

The flow chart of the new integration system for financial management and bookkeeping

In order to further illustrate the present invention, please refer to FIG. 2 , which is a schematic flowchart of a wealth management and accounting integration system according to an embodiment of the present invention. First, in step S201, the account data import module 210 imports a plurality of account data from the transaction database 110 according to a request command or a condition command, wherein, this step means that the user can independently enter into financial accounting integration In the system 200, by querying the accounting data within a specified period, or entering into the financial accounting integration system 200 to set a conditional command in advance, when the conditional command is met, the accounting data import module 210 will automatically automatically Import accounting data into the transaction database 110 .

Next, in step S202 , the account information integration module 220 will determine whether the user has entered into the wealth management and accounting integration system 200 to set user conditions in advance. If yes, go to step S203, and the accounting data integration module 220 will integrate financial accounting details according to the user conditions set by the user. If not, it will directly enter step S204, and the account data integration module 220 judges whether the user's account information is sufficient, so that the account information integration module 220 sets user conditions according to financial habits. It can be understood that, after step S203 ends, the process will also enter step S204.

Further, if the account information integration module 220 judges that the user's account information still cannot set user conditions according to financial habits, it will enter step S205, and the account information integration module 220 The financial accounting details will be integrated according to the existing accounting data, and after step S205 is completed, it will directly enter step S207, and the financial accounting output module 230 will output the financial accounting details to the user's electronic device 300 .

If the account data integration module 220 can set user conditions for the user according to financial habits, then go back to step S206, where the account data integration module 220 integrates financial accounting details according to the user conditions of the user's financial habits. Next, in step S207 , the financial accounting output module 230 outputs the financial accounting details to the electronic device 300 .

What’s more, the account information suggestion module 250 is set according to the financial accounting details and the user’s conditions, and cooperates with the bank’s smart financial plan to provide customized financial planning suggestions for the user’s reference. On the one hand Suggest users to reduce some unnecessary expenses. On the other hand, it can give users a plan to achieve their financial goals.

The present invention is illustrated by way of example, but the present invention is not limited thereto

In the first embodiment, user B sees that company A distributes dividends on the news, and wants to know how much dividends he will get, so he uses the bank application program (APP) of his smartphone to enter the integrated financial management system 200 Confirm in .

User B logs into the bank application program, clicks the icon of "Financial Accounting" on the screen, and enters the new integrated financial management system 200, and then requests "this week's accounting data", and the accounting data import module 210 will Import user B's account information of this week from the transaction database 110, and then integrate it into a financial accounting statement by the account information integration module 220, and present the amount of dividends distributed by Company A through a cash flow statement.

In addition, further, the financial planning suggestion module 250 can give user B other financial planning suggestions based on the amount of dividends distributed by company A. For example, the price of gold has been relatively low in the last three months, and user B is suggested to buy gold.

In the second embodiment, user C is a landlord, and user C's salary will be recorded on the 5th of each month, and the tenant will remit the rent between the 6th and 10th. In the integrated system 200 , the financial accounting details of output on the 11th of each month are set.

In this way, user C logs into the computer version of Internet Banking on the 11th of this month, clicks "Financial Accounting" and selects this month's financial accounting, and a cash flow statement will appear, which includes income structure and expenditure structure, and the income structure is a pie chart, which includes salary income and rent income into the income structure, while the expenditure structure is a pie chart, which mainly includes the monthly fixed expenses of user C, such as water and electricity for self-occupied houses bills, tenant’s utility bills and mortgages, etc.

In this way, user C can confirm the fixed income, income structure and expenditure structure through financial accounting details, and can further plan the use of cash according to his own needs.

Based on the above, the integrated financial accounting system provided by the embodiment of the present invention can automatically import the user's account information, saving the time for input and setting for the user, and avoiding the risk of missing income or expenditure. In addition, compared with other existing billing apps on the market, our bank's billing apps are free of advertisements and are user-friendly and convenient to operate. Moreover, our bank's billing apps are for personal use and must have Account and password can only be accessed, therefore, users do not need to worry about the leakage of personal information.

In addition, this new financial accounting integration system allows users to set personal financial management goals, and this new financial accounting integration system integrates multiple financial information of the bank, for example For example, with smart financial management, loan trial calculation and scheduled trust planning, etc., it helps users achieve financial management goals at various stages of life.

Although the embodiments of the present invention have been shown and described, those skilled in the art can understand that various changes, modifications, substitutions and variants, the scope of the present invention is defined by the appended patent scope and its equivalents.

100: Bank host server

110: Transaction database

200: Financial accounting integration system

210:Account data import module

220:Account data integration module

230: Financial accounting output module

240:Account data setting module

250: Financial Planning Advice Module

300: electronic device

Claims (10)

A financial accounting integration system, which is set in a bank host server with a transaction database, provides a user with an electronic device to enter the financial accounting integration system for accounting management and financial management, and the financial accounting integration system includes each other A plurality of electronically connected hardware circuits configured to form a plurality of modules, these modules include: an accounting data import module, and a signal connection to the transaction database for use in accordance with a request instruction or A conditional command to import a plurality of accounting data from the transaction database; an accounting data integration module, signally connected to the accounting data importing module, for integrating the accounting data according to a user condition Output a financial accounting details, wherein the user condition is set by the user in advance, or generated by the accounting data integration module according to the user's financial habits; and a financial accounting output module, the signal is connected to the accounting data The integration module is used to output the financial accounting details to the electronic device of the user. Financial accounting integration system as described in claim item 1, wherein the account information includes a salary information, a housing loan, a student loan, a credit, a fund dividend distribution, a fund regular fixed investment, a securities transaction data, 1. Securities dividends, 1. Return of investment insurance policies, 1. Credit card bill information or a combination thereof. The financial accounting integration system described in Claim 1, wherein the request instruction means that the user makes a request through the electronic device to request the account data import module to import the accounts from the transaction database data; and The conditional command means that the user has set a conditional period in the financial accounting integration system in advance, and when the conditional period is reached, the accounting data import module will automatically import the accounting data from the transaction database . The financial accounting integration system described in claim 1 further includes: an accounting data setting module, which is connected to the accounting data integration module with a signal and provided to the user to set the user conditions. In the financial accounting integration system described in claim 4, the user condition includes rent, filial piety, pocket money, other income and/or other expenditure, and a financial goal. The financial management bookkeeping integration system as described in Claim 5, wherein the financial management goal includes a house purchase plan, a travel fund, a marriage fund, an education fund or other financial management goals. The financial accounting integration system described in Claim 1, wherein the financial accounting details are selected from a monthly balance of disposable income, a cash flow statement, a monthly expenditure analysis or a combination thereof. In the financial accounting integration system described in claim 7, the cash flow statement includes an income structure and an expenditure structure, and the income structure and the expenditure structure are presented in a pie chart or a radar chart. The financial accounting integration system described in claim 1, wherein the financial accounting details further include a recent cash flow statement and a recent expenditure analysis, and the recent cash flow statement is presented as a line chart, and the recent expenditure analysis is a round cake graph or a radar chart presentation. The financial accounting integration system as described in request item 6 further includes: a financial planning suggestion module, which is signal-connected to the accounting data integration module and the financial accounting output module, and is configured according to the financial accounting details and the conditions. Smart financial planning, to provide a financial planning suggestion plan for the user's reference.

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