TWM639269U - Intelligent financial management cloud system and mobile device - Google Patents

Abstract

An intelligent financial management cloud system includes an information receiving module, a storage module, a machine learning module, a payment notification processing module, and a payment notification output module. The information receiving module is configured to communicate with a mobile device of a user to capture mobile device usage mode information and payment information of the user. The storage module is configured to store the mobile device usage mode information and the payment information. The machine learning module is configured to use a machine learning algorithm to construct the user's mobile device usage model from the mobile device usage model information. The payment processing module is configured to set a payment notice and the transmission time of the payment notice. The payment notification output module is configured to send the payment notification to the mobile device. The disclosure also provides a mobile device corresponding to the intelligent financial management cloud system.

Description

Smart financial cloud system and mobile devices

This disclosure relates to a smart financial management cloud system and a corresponding mobile device that assists users in payment.

At present, many people have bills to pay every month, such as: payment of credit card fees, telecommunication fees, water and electricity fees, gas fees, loan repayments, fund deduction, etc. Nowadays, there are a variety of financial management tools, which can be used for example to pay various fees and financial services such as financial investment. Therefore, the user may have multiple accounts of different banks or credit cards of different banks at the same time, and the payment time of various fees is different; and modern people are busy with work, once there is a fee and forget to pay, it will cause the joint credit to be left behind. Bad record.

Therefore, how to improve the payment process is a financial problem that needs to be solved.

This model proposes a smart financial management cloud system and a mobile device, so the mobile device is like a user's mobile smart financial management small secretary device, which can assist the user to complete various fee payments quickly.

Some implementations of the present disclosure provide a smart financial management cloud system, including: an information receiving module, a storage module, a machine learning module, a payment notification processing module, and a payment notification output module. The information receiving module is configured to communicate with a user's mobile device to retrieve the user's usage pattern information and payment information. The storage module is electrically connected to the information receiving module and is configured to store the usage pattern information and the payment information from the mobile device. The machine learning module is electrically connected to the storage module and configured to use a machine learning algorithm to construct a mobile device usage pattern model of the user from the usage pattern information. The payment notification processing module is electrically connected to the machine learning module and the storage module and is configured to set the payment notification from the payment information and the transmission time of the payment notification. The payment notification output module is electrically connected to the payment notification processing module and configured to transmit the payment notification to the mobile device.

In some embodiments, in the smart financial management cloud system, the machine learning algorithm is a deep neural network algorithm.

In some implementations, in the smart wealth management cloud system, the usage pattern information of the user's mobile device includes: usage frequency, usage time, duration, or a combination thereof.

In some embodiments, in the smart financial management cloud system, the payment information includes: fee name, debit bank, payment date and payment amount.

In some implementations, in the smart financial management cloud system, the bill payment notification output module is configured to send the bill payment notification to the mobile device when the user often uses the mobile device.

Other implementations of the disclosed content provide a mobile device, including: a mobile financial management module and an online financial management module. The mobile financial management module includes: a usage pattern information collection unit, a payment information collection unit, an information output unit, a payment notification receiving unit, a payment notification display module, and an online bank activation module. The usage pattern information collection unit is configured to retrieve usage pattern information of the user's mobile device. The payment information collection unit is configured to retrieve the user's payment information. The information output unit is electrically connected to the usage pattern information collection unit and the payment information collection unit, and is configured to transmit the usage pattern information of the mobile device and the payment information to the smart financial management cloud system via the network, wherein the smart financial management cloud system includes a machine In the learning module, the machine learning module is configured to use a machine learning algorithm to construct a user's mobile device usage pattern model from the mobile device usage pattern information. The bill payment notice receiving unit is configured to receive the bill payment notice set by the intelligent financial management cloud system via the network, wherein the bill payment notice comes from the bill payment information. The payment notification display module is electrically connected to the payment notification receiving unit, and is configured to display the payment notification to the user before the payment deadline in the payment notification. The online bank activation module is electrically connected to the payment notification receiving unit and configured to activate the bank related to the payment notification. The online banking module is electrically connected to the mobile wealth management module.

In some embodiments, in the mobile device, the mobile device is a mobile phone, a tablet computer, a notebook computer, or a wearable device.

In some implementations, in the mobile device, the user's payment information is retrieved from an email, a short message, or a social software message in the mobile device.

In some implementations, in the mobile device, the mobile financial management module is further configured to be activated via the security authentication technology of the mobile device.

In some embodiments, in the mobile device, the payment information includes the name of the fee, the debit bank, the payment date, and the payment amount.

In order to make the description of the present disclosure more detailed and complete, the following is an illustrative description of the implementation and specific embodiments of the present disclosure, but this is not the only form of implementing or using the specific embodiments of the present disclosure. The various embodiments disclosed below can be combined or replaced with each other when beneficial, and other embodiments can also be added to one embodiment, without further description or illustration. In the following description, numerous specific details will be set forth in order to enable readers to fully understand the following embodiments. However, embodiments of the present disclosure may be practiced without these specific details.

The terms used throughout this specification and claims, unless otherwise noted, generally have the ordinary meaning that each term has in the field, in this disclosure and in the special content. Certain terms used to describe the disclosure are discussed below or elsewhere in this specification to provide those skilled in the art with additional guidance in describing the disclosure.

Regarding the "connection" used in this article, it can refer to two or more elements that are in direct physical or electrical contact with each other, or indirect physical or electrical contact with each other, and "connection" can also refer to two or more elements. Interoperate or act.

Referring to FIG. 1 , it shows a schematic diagram of a smart financial management cloud system and a mobile device according to some embodiments of the present disclosure. The smart wealth management cloud system 10 and the mobile device 20 can be communicated and connected via the Internet 30 .

The smart wealth management cloud system 10 includes an information receiving module 110 , a storage module 120 , a machine learning module 130 , a payment notification processing module 140 , and a payment notification output module 150 .

In some implementations, the smart wealth management cloud system 10 may be a server, including a storage device, a processor, and a communication chip. The storage device can be implemented as a memory, a hard disk, a flash drive, a memory card, and the like. The processor can be implemented as an integrated circuit such as a microcontroller, a microprocessor, a digital signal processor, an application specific integrated circuit (ASIC), a logic circuit, or Other similar elements or combinations of the above elements. The communication chips can be implemented as global system for mobile communication (GSM), personal handy-phone system (PHS), long term evolution system (long term evolution, LTE), global interoperability microwave access system (worldwide interoperability for microwave access, WiMAX), wireless fidelity system (wireless fidelity, Wi-Fi), or Bluetooth transmission, etc.

In some embodiments, the information receiving module 110 is configured to communicate with a user's mobile device 20 via the Internet 30 to retrieve the user's mobile device usage pattern information and payment information. The mobile device usage pattern information includes the mobile device usage frequency, usage time, duration, or a combination thereof. Bills of payment information can be, for example, credit card fees, telecommunication fees, water and electricity fees, gas fees, TV channel fees, Internet fees, loan repayments, application subscription fees, fund deduction, or the like. In some embodiments, the payment information includes the name of the fee, the debit bank, the date of payment, and the amount of payment.

In some embodiments, the storage module 120 is electrically connected to the information receiving module 110 and configured to store the mobile device usage pattern information and the payment information from the mobile device 20 .

In some embodiments, the machine learning module 130 is electrically connected to the storage module 120 and configured to use a machine learning algorithm to construct a mobile device usage pattern model of the user from the mobile device usage pattern information. In some embodiments, the model constructed by the machine learning algorithm is a deep neural network model, such as a convolutional neural network (Convolutional neural network, CNN), a recurrent neural network (Recurrent neural network, RNN), a long Long-short term memory (LSTM), or similar.

In some embodiments, the bill payment notification processing module 140 is electrically connected to the machine learning module 130 and the storage module 120, and is configured to set the payment notification and the transmission time and display time of the payment notification. The payment notification is set according to the collected payment information. In some embodiments, the sending time of the payment notification is the time when the user frequently uses the mobile device 20 and before the payment deadline of the payment information expires. In some embodiments, the display time of the payment notification is before the payment deadline of the payment information expires.

In some embodiments, the payment notification output module 150 is electrically connected to the payment notification processing module 140 and is configured to transmit the payment notification to the mobile device 20 via the Internet 30 .

As shown in FIG. 1 , the mobile device 20 includes a mobile financial management module 210 and an online banking module 230 . The mobile wealth management module 210 includes a usage pattern information collection unit 212 , a payment information collection unit 214 , an information output unit 216 , a payment notification receiving unit 222 , a payment notification display module 224 , and an online bank activation module 226 .

In some embodiments, the mobile device 20 may be, for example, a mobile phone, a tablet computer, a notebook computer, or a wearable device (such as a smart watch). In some embodiments, the mobile financial management module 210 and the online banking module 230 can be implemented as application programs in the mobile device 20 .

In some implementations, in the mobile financial management module 210, the usage pattern information collecting unit 212 is configured to retrieve the usage pattern information of the user's mobile device. The usage information includes the user's usage frequency, usage time, duration, or a combination thereof of the mobile device.

In some implementations, in the mobile financial management module 210, the payment information collection unit 214 is configured to retrieve the user's payment information. Bills of payment information can be, for example, credit card fees, telecommunication fees, water and electricity fees, gas fees, TV channel fees, Internet fees, loan repayments, application subscription fees, fund deduction, or the like. In some embodiments, the payment information includes the name of the fee, the debit bank, the date of payment, and the amount of payment. In some embodiments, the payment information is retrieved from email, SMS, social media messages, the like, or a combination thereof in the mobile device 20 .

In some implementations, in the mobile financial management module 210, the information output unit 216 is electrically connected to the usage pattern information collection unit 212 and the payment information collection unit 214, and is configured to output the mobile device usage pattern information and the payment information It is transmitted to the smart financial management cloud system 10 via the Internet 30 . As mentioned above, the smart wealth management cloud system 10 includes a machine learning module 130, which utilizes a machine learning algorithm to construct a mobile device usage pattern model for this user from the mobile device usage pattern information collected by the usage pattern information collection unit 212 . The payment notification processing module 140 in the smart wealth management cloud system 10 sets the payment information collected from the payment information collection unit 214 as a payment notification, and sets the transmission time and display time of the payment notification according to the payment information and the mobile device usage model.

In some embodiments, in the mobile financial management module 210, the payment notification receiving unit 222 is configured to receive the payment notification set from the smart financial management cloud system 10 via the Internet 30, wherein the payment notification is collected according to the payment information collection unit According to the payment information mentioned above.

In some implementations, in the mobile financial management module 210, the payment notification display module 224 is electrically connected to the payment notification receiving unit 222, and is configured to display the payment notification to the mobile device before the payment deadline in the received payment notification 20 users.

In some implementations, in the mobile wealth management module 210 , the online bank activation module 226 is electrically connected to the payment notification receiving unit 222 and configured to activate a bank related to the payment notification, for example, activate the online banking module 230 .

In some implementations, the online banking module 230 can be an online banking application program of the same bank as the bank in the payment information, or an application program of a bank that automatically withholds payment as agreed by the user.

Referring to FIG. 2 , it shows a flow chart of a payment method using a smart financial management cloud system and a mobile device according to some embodiments of the present disclosure. Through the mobile device 20, the user is like having a mobile smart financial secretary device, and according to the evaluation and analysis of the deep neural network model, the frequency and use time of the user's use of the mobile device 20, when the user often uses the mobile device 20, Send and display payment notifications and activate related online banking applications to help users complete quick payment. Therefore, the user can quickly and conveniently complete the payment of various bills in real time.

The bill payment method 300 includes operation 302 , the user activates the mobile financial management module 210 of the mobile device 20 through a security authentication technology. The safety of the user's account for operating the mobile device 20 is ensured through a security authentication technology, such as a biometric feature, or a verification code obtained through a text message or an electronic mailbox.

Next, proceed to operation 304. After the user's permission, the usage pattern information collection unit 212 of the mobile financial management module 210 of the mobile device 20 retrieves the user's mobile device usage pattern information, and transmits the information via the information output unit 216 and the Internet 30 Send to the intelligent financial management cloud system 10. In some implementations, the usage pattern information collecting unit 212 periodically retrieves the usage pattern information of the user's mobile device.

Next, proceed to operation 306, the information receiving module 110 of the smart wealth management cloud system 10 receives the usage pattern information and stores it in the storage module 120, and the machine learning module 130 uses the machine learning algorithm and the user's mobile device usage pattern information to construct The user's mobile device usage pattern model for the mobile device 20 .

Next, proceed to operation 308 , the payment information collection unit 214 of the mobile financial management module 210 of the mobile device 20 retrieves the payment information of each bank, and transmits the payment information to the smart financial management cloud system 10 through the information output unit 216 and the Internet 30 .

Next, proceed to operation 310 , the bill payment notice processing module 140 of the smart wealth management cloud system 10 sets the bill payment notice according to the bill payment information, and uses the mobile device usage pattern model to set the transmission time and display time of the bill payment notice.

Next, proceed to operation 312 , and send the payment notification to the mobile financial management module 210 of the mobile device 20 when the user frequently uses the mobile device 20 .

Next, proceed to operation 314, after the payment notification receiving unit 222 of the mobile wealth management module 210 of the mobile device 20 receives the payment notification, the payment notification display module 224 will display the payment notification to the user before the payment deadline expires, and the network The bank activation module 226 activates the online banking module 230 in the mobile device 20 to facilitate payment.

The intelligent financial management cloud system and the mobile device proposed by the multiple implementations of this creation can remind users to pay fees before the due date of payment, and can assist users to pay various payable bills conveniently, avoiding financial or financial consequences caused by delayed payment. credit problem.

Although the content of this disclosure has been disclosed above in terms of implementation, it is not intended to limit this creation. Anyone who is familiar with this art can make various changes and modifications without departing from the spirit and scope of this disclosure. Therefore, this disclosure The scope of protection of the content shall be defined by the scope of the attached patent application.

10: Intelligent financial management cloud system

110: Information receiving module

120: storage module

130:Machine Learning Module

140:Payment notification processing module

150: Payment notification output module

20:Mobile device

210:Mobile financial module

212: Use mode information collection unit

214: payment information collection unit

216: Information output unit

222: payment notification receiving unit

224:Payment notification display module

226:Network banking startup module

230: Internet Banking Module

30: Internet

300: Payment method

302: Operation

304: Operation

306: Operation

308: Operation

310: Operation

312: Operation

314: Operation

Various aspects of the disclosure will be best understood from the following detailed description when read with the accompanying figures. It should be noted that, in accordance with standard industry practice, the various features may not be drawn to scale. In fact, the dimensions of the various features may be arbitrarily increased or decreased for clarity of discussion. In order to make the above and other purposes, features, advantages and embodiments of the present disclosure more comprehensible, the accompanying drawings are described as follows: FIG. 1 is a schematic diagram of a smart financial management cloud system and a mobile device according to some embodiments of the present disclosure. FIG. 2 is a flowchart of a method of payment using a smart financial management cloud system and a mobile device according to some embodiments of the present disclosure.

10: Intelligent financial management cloud system

110: Information receiving module

120: storage module

130:Machine Learning Module

140:Payment notification processing module

150: Payment notification output module

20:Mobile device

210:Mobile financial module

212: Use mode information collection unit

214: payment information collection unit

216: Information output unit

222: payment notification receiving unit

224:Payment notification display module

226:Network banking startup module

230: Internet Banking Module

30: Internet

Claims (10)

An intelligent financial management cloud system, comprising: An information receiving module configured to communicate with a mobile device of a user to retrieve usage pattern information and payment information of the user's mobile device; a storage module, electrically connected to the information receiving module, and configured to store the mobile device usage pattern information and the payment information from the mobile device; a machine learning module electrically connected to the storage module and configured to use a machine learning algorithm to construct a mobile device usage pattern model of the user from the mobile device usage pattern information; a payment notification processing module, electrically connected to the machine learning module and the storage module, and configured to set a payment notification from the payment information and a transmission time of the payment notification; and A payment notification output module is electrically connected to the payment notification processing module and configured to transmit the payment notification to the mobile device. The intelligent financial management cloud system as described in Claim 1, wherein the machine learning algorithm is a deep neural network algorithm. The intelligent wealth management cloud system as described in Claim 1, wherein the user's mobile device usage pattern information includes: usage frequency, usage time, duration, or a combination thereof. The intelligent financial management cloud system as described in claim 1, wherein the payment information includes: fee name, debit bank, payment date and payment amount. The smart financial management cloud system as described in Claim 1, wherein the payment notification output module is configured to transmit the payment notification to the mobile device when the user often uses the mobile device. A mobile device comprising: One-action financial management module, including: a usage pattern information collection unit configured to retrieve usage pattern information of a user's mobile device; A payment information collection unit configured to retrieve the user's payment information; An information output unit, electrically connected to the usage pattern information collection unit and the payment information collection unit, and configured to transmit the mobile device usage pattern information and the payment information to a smart financial management cloud system via the network, wherein the The intelligent wealth management cloud system includes a machine learning module configured to use a machine learning algorithm to construct a mobile device usage pattern model of the user from the mobile device usage pattern information; A payment notification receiving unit configured to receive a payment notification from the smart financial cloud system via the network, wherein the payment notification comes from the payment information; A payment notification display module, electrically connected to the payment notification receiving unit, and configured to display the payment notification to the user before a payment deadline in the payment notification; and An online bank activation module, electrically connected to the payment notification receiving unit, and configured to activate a bank related to the payment notification; and An online banking module is electrically connected to the mobile wealth management module. The mobile device according to claim 6, wherein the mobile device is a mobile phone, a tablet computer, a notebook computer, or a wearable device. The mobile device as described in claim 6, wherein the payment information of the user is retrieved from an email, a short message, or a social software message in the mobile device. The mobile device as claimed in item 6, wherein the mobile financial management module is further configured to be opened through a mobile device security authentication technology. The mobile device as described in claim 6, wherein the payment information includes the name of the fee, the debit bank, the date of payment, and the amount of payment.

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