WO2019019779A1 - 家庭财务管理系统、方法、终端和存储介质 - Google Patents

家庭财务管理系统、方法、终端和存储介质 Download PDF

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Publication number
WO2019019779A1
WO2019019779A1 PCT/CN2018/087415 CN2018087415W WO2019019779A1 WO 2019019779 A1 WO2019019779 A1 WO 2019019779A1 CN 2018087415 W CN2018087415 W CN 2018087415W WO 2019019779 A1 WO2019019779 A1 WO 2019019779A1
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repayment
wealth management
information
tax
amount
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PCT/CN2018/087415
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English (en)
French (fr)
Inventor
陈志辉
褚红丹
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平安科技（深圳）有限公司
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Publication of WO2019019779A1 publication Critical patent/WO2019019779A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting
    • G06Q40/123—Tax preparation or submission
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting
    • G06Q40/125—Finance or payroll

Definitions

  • the application relates to a home financial management system, method, terminal and storage medium.
  • a home finance management system In accordance with various embodiments disclosed herein, a home finance management system, method, terminal, and storage medium are provided.
  • a family financial management system comprising: a salary module, configured to obtain a pre-tax salary of a family member, calculate a corresponding after-tax salary according to the pre-tax salary, and send the after-tax salary to a billing module; a repayment module For obtaining loan information, calculating a repayment amount according to the loan information, and sending the repayment amount to a billing module; a billing module for recording post-tax wages, repayment amount, and consumption amount; and a wealth management module It is used to obtain a plurality of wealth management information, and calculate corresponding financial benefits according to the after-tax wage, repayment amount, consumption amount, and wealth management information.
  • a family financial management method includes: obtaining a pre-tax salary of a family member, calculating a corresponding after-tax salary according to the pre-tax salary; obtaining loan information, calculating a repayment amount according to the loan information; recording a post-tax salary, The amount of money and the amount of consumption; and access to a variety of wealth management information, based on the after-tax wages, repayment amount, consumption amount and wealth management information to calculate the corresponding financial income.
  • a terminal comprising a memory and one or more processors, the memory storing computer readable instructions, the computer readable instructions being executed by the processor, causing the one or more processors to perform the following Step: obtaining loan information, calculating a repayment amount according to the loan information; recording post-tax wages, repayment amount, and consumption amount; and obtaining a plurality of wealth management information, according to the after-tax wage, repayment amount, consumption amount, and financial management Information measures the corresponding financial benefits.
  • One or more non-transitory computer readable storage mediums storing computer readable instructions, when executed by one or more processors, cause one or more processors to perform the steps of: obtaining loan information, Calculating the repayment amount according to the loan information; recording the after-tax wage, the repayment amount, and the consumption amount; and obtaining a plurality of wealth management information, and calculating the corresponding financial income according to the after-tax wage, the repayment amount, the consumption amount, and the wealth management information.
  • FIG. 1 is a block diagram of a home financial management system in accordance with one or more embodiments.
  • FIG. 2 is an interface diagram of a home financial management system in accordance with one or more embodiments.
  • FIG. 3 is an interface diagram of a home financial management system in accordance with another or more embodiments.
  • FIG. 4 is a block diagram of a terminal in accordance with one or more embodiments.
  • FIG. 5 is a flow diagram of a home finance management method in accordance with one or more embodiments.
  • first may be referred to as a second client
  • second client may be referred to as a first client, without departing from the scope of the present application.
  • Both the first client and the second client are clients, but they are not the same client.
  • a home financial management system 100 includes a salary module 102, a repayment module 104, a billing module 106, and a wealth management module 108, wherein:
  • the salary module 102 is configured to obtain the pre-tax salary of the family member, calculate the corresponding after-tax salary according to the pre-tax salary, and send the after-tax salary to the accounting module 106.
  • the repayment module 104 is configured to obtain loan information, calculate a repayment amount according to the loan information, and send the repayment amount to the accounting module 106.
  • the accounting module 106 is configured to record the after-tax salary, the repayment amount, and the consumption amount.
  • the wealth management module 108 is configured to obtain a plurality of wealth management information, and calculate corresponding financial benefits according to the after-tax salary, the repayment amount, the consumption amount, and the wealth management information.
  • the home finance management system can be installed on terminals such as smartphones, tablets, desktop computers, and personal laptops.
  • the family financial management system can record household income and household expenses, and household income includes wage income and wealth management income. Household expenses include repayment of loans, shopping expenses, and education expenses.
  • the family financial management system can also push appropriate financial information to family members based on household income and household expenses.
  • the family financial management system can also manage family members' contacts, to-do items, and photo albums.
  • the terminal displays an interface diagram of the home financial management system. As shown in FIG. 2, an interface diagram of a home financial management system running on a smart phone is provided.
  • the interface diagram includes controls, such as start, setup, and help.
  • the control further includes a function control, for example, a salary calculation control corresponding to the salary module 102, a repayment loan control corresponding to the repayment module 104, a billing control corresponding to the billing module 106, and a financial control corresponding to the wealth management module 108, and the home financial management system.
  • the corresponding function module can be accessed through the function control to complete the corresponding task.
  • the family financial management system includes a salary module 102 for obtaining pre-tax wages of family members and calculating after-tax wages based on pre-tax wages of family members.
  • the pre-tax salary of family members can be either wage income or pension income.
  • After-tax wages include actual wages after tax, social insurance, and provident fund.
  • Social insurance includes pension insurance, medical insurance, unemployment insurance, work injury insurance, and maternity insurance.
  • the provident fund includes housing provident fund.
  • the salary module 102 can calculate the corresponding after-tax wage according to the basic salary in the pre-tax salary, or can directly calculate the corresponding after-tax salary according to the pre-tax salary.
  • the salary module 102 obtains the pre-tax salary, the regional tax threshold, the regional personal income tax rate table, the social insurance payment ratio, and the contribution rate of the provident fund, etc., according to the pre-tax salary, the regional tax threshold, the regional personal income tax rate table, and the society.
  • the insurance payment ratio and the contribution rate of the provident fund are used to calculate the actual wages after tax, the amount of social insurance, and the amount of the provident fund.
  • the pre-tax salary is 12,000 yuan
  • the working place is Shanghai
  • the tax threshold for the Shanghai area is 3,500 yuan.
  • the salary module 102 calculates the available tax after the tax is calculated according to the Shanghai personal income tax rate table, the actual wage is 9127 yuan, and the provident fund is 840. Yuan, social insurance is 1,320 yuan.
  • the salary module 102 can also calculate the pre-tax annual salary based on the pre-tax salary, or can actually calculate the annual salary after the tax based on the actual wage payment after the tax.
  • the salary module 102 transmits the actual wages after tax, the amount of social insurance, and the amount of the provident fund to the accounting module 106 of the home financial management system.
  • the home financial management system includes a repayment module 104, and the repayment module 104 is configured to calculate a repayment amount based on the loan information of the family member.
  • the types of loans can be mortgages, car loans, and financial platform loans.
  • the form of the loan can be a commercial loan, a provident fund loan, and the like.
  • the repayment module 104 calculates repayment information based on the loan information, and the repayment information includes a repayment form, a repayment amount, and a repayment term.
  • the repayment module 104 obtains the loan type, the total loan amount, the loan term, and the loan interest rate, and calculates the repayment amount according to the loan type, the total loan amount, the loan term, and the loan interest rate.
  • the repayment amount includes the remaining loan amount and the monthly repayment amount corresponding to the remaining loan amount.
  • the repayment module 104 can calculate the repayment amount corresponding to the commercial loan according to the total commercial loan amount, the loan term, and the loan interest rate; the repayment module 104 further The amount of repayment corresponding to the provident fund loan can be calculated based on the total amount of the provident fund loan, the term of the loan, and the loan interest rate.
  • the repayment module 104 sends the calculated repayment amount to the billing module 106 of the home financial management system.
  • household income and expenditure information includes household income and household expenses.
  • Household income can be wage income and wealth management income
  • household expenditure can repay loans, shopping expenses, and education expenses.
  • the billing module 106 of the home financial management system can record household income and expenditure information.
  • the billing module 106 can classify the household income and expenditure information, and the recording module 106 can record the household income in the income menu bar and the household expenditure in the expense menu bar.
  • the income menu bar can also include a sub-menu bar, such as a salary income menu bar, a wealth management menu bar.
  • the expense menu bar may also include a sub-menu bar, such as a repayment loan menu bar, a shopping consumption menu bar, and an education expenditure menu bar.
  • the accounting module 106 can record the corresponding menu bar according to the type of household income and expenditure information. For example, the accounting module 106 may record the amount of the actual wage payment, social insurance, and provident fund sent by the salary module 102 in the salary income menu column, and record the repayment amount sent by the repayment module 104 in the repayment loan menu bar.
  • the shopping consumption menu bar may also include sub-menu bars, such as a supermarket shopping menu bar, a dinner menu bar, and a movie viewing menu bar.
  • the accounting module 106 records the amount of consumption in the corresponding menu bar according to the consumption item.
  • the billing module 106 can also calculate household net income using household income and household expenses.
  • the accounting module 106 can also obtain a preset backup date and automatically back up the accounting information according to the backup date.
  • the accounting module 106 can also set an automatic backup mode. When the home financial management system is turned off, the automatic backup mode is activated, and the accounting information in the accounting module 106 is backed up.
  • the home finance management system further includes a wealth management module 108, and the wealth management module 108 is configured to obtain appropriate wealth management information according to the family income and expenditure information, and push the wealth management information to the family members.
  • the proportion of education expenditure in household expenditure is the largest, and the wealth management module 108 obtains educational wealth management information and pushes educational wealth management information to family members.
  • Financial information can be wealth management products and financial information, such as stock market changes, fund changes, and expert analysis.
  • the wealth management module 108 can also obtain a plurality of wealth management information according to the after-tax salary, the repayment amount, and the consumption amount, and calculate a plurality of wealth management information according to the after-tax salary, the repayment amount, the consumption amount, and the plurality of wealth management information, and obtain the plurality of wealth management information within a preset time.
  • Corresponding wealth management income display various financial information and corresponding financial income separately.
  • Family members can compare financial information with corresponding financial management income, select financial information suitable for family members, and conduct investment and financial management according to selected financial information.
  • the family financial management system can calculate the after-tax salary of the family member through the salary module 102, and the corresponding repayment amount can be calculated by the repayment module 104, and the after-tax salary, the repayment amount, and the household consumption amount can be recorded by the accounting module 106. This can get the financial income status of the family.
  • the wealth management module 108 can use the after-tax wages, the repayment amount, the consumption amount, and the wealth management information to measure the corresponding wealth management benefits, thereby facilitating the family members to conduct appropriate financial management according to the family financial information.
  • the pre-tax salary includes a corresponding wage interval
  • the wage interval includes a first pre-tax salary and a second pre-tax salary
  • the salary module 102 is further configured to obtain the first pre-tax salary and the second pre-tax salary, and The amount of the interval, based on the first pre-tax salary and the second pre-tax salary and the interval amount, obtains a plurality of pre-tax wages, and calculates the after-tax wage corresponding to the plurality of pre-tax wages.
  • the salary module 102 of the home financial management system can also calculate the after-tax wages corresponding to multiple pre-tax wages.
  • the salary module 102 obtains the wage interval corresponding to the pre-tax salary, and the salary interval includes the interval amount, and the salary interval is divided into different pre-tax wages by the interval amount.
  • Pre-tax wages include the first pre-tax salary and the second pre-tax salary.
  • the first pre-tax salary may be the starting salary during the wage period
  • the second pre-tax salary may be the end salary of the wage interval or any wage in the middle of the wage interval.
  • the salary module 102 calculates the after-tax wages corresponding to all pre-tax wages between the first pre-tax salary and the second pre-tax salary, including actual wages after tax, social insurance, and provident fund.
  • the provident fund includes the individual's contribution to the provident fund and the enterprise's contribution to the provident fund.
  • the salary module 102 can also calculate the total amount of the provident fund based on the company's contribution to the provident fund and the individual's contribution to the provident fund.
  • the salary module 102 can also calculate the amount of wage increase between different after-tax wages based on all after-tax wages in the wage interval.
  • the home financial management system displays the post-tax salary interface diagram when the salary module 102 calculates the post-tax salary corresponding to the plurality of pre-tax wages in the salary interval, as shown in FIG. 3, and provides an interface for multiple after-tax wages in the wage interval.
  • the wage range is 8000 to 12000, and the interval is 1000.
  • the interface diagram includes an initial monthly salary control, an ending monthly salary control, and an interval amount control.
  • the family financial management system calculates the corresponding after-tax wage and the salary increase amount through a plurality of pre-tax wage calculations.
  • the salary module 102 may further compare the plurality of after-tax wages, and may further compare the plurality of social security amounts. The salary is more convenient.
  • the repayment module 104 is further configured to obtain a start repayment date, an interest rate modification date, and an early repayment date, and calculate a corresponding repayment time period by using a start repayment date, an interest rate modification date, and an early repayment date.
  • the loan interest rate corresponding to the repayment time period and the repayment time period are respectively used to calculate the repayment information corresponding to different repayment time periods.
  • Repayment of the loan includes repayment of the principal and repayment of interest.
  • Family members can repay part of the principal by repayment in advance, thereby reducing the interest on the remaining principal.
  • the loan interest rate may change and the repayment information will change.
  • the repayment module 104 of the home financial management system may calculate the repayment information of different repayment time periods according to the interest rate modification date and the prepayment information during the repayment of the loan, and the repayment module 104 may further calculate the remaining repayment information according to the repayment information.
  • the repayment module 104 obtains the start repayment date, the interest rate modification date, and the prepayment repayment date, and obtains the corresponding repayment time period by using the start repayment date, the interest rate modification date, and the prepayment repayment date, thereby obtaining the interest rate corresponding to the repayment time period. .
  • the repayment module 104 repays the repayment information within the time period.
  • the starting repayment date is January 2014
  • the interest rate modification date is January 2015
  • the early repayment date is June 2015
  • the current date is June 2017.
  • the first repayment period is 2014 1 From January to January 2015
  • the second repayment period is from January 2015 to June 2015
  • the third repayment period is from June 2015 to June 2017.
  • the repayment module 104 can obtain the interest rate in the first repayment period, and calculate the repayment information in the repayment period; likewise, the repayment module 104 can also calculate the second repayment using the interest rate of the second repayment period. Repayment information during the time period.
  • the family member made an early repayment in June 2015, and the repayment module 104 calculated the remaining repayment information by using the repayment information of the first repayment period, the repayment information of the second repayment period, and the prepayment information. And using the interest rate of the third repayment period and the remaining repayment information to calculate the repayment information corresponding to the third repayment period.
  • the loan calculation software can only calculate the predicted repayment information based on the loan information of the family members, and cannot calculate the detailed repayment information, and cannot calculate the repayment information according to the interest rate change and the prepayment information.
  • the repayment module 104 can calculate the corresponding repayment information according to the starting loan total amount, the interest rate, the loan term, the repayment date, and the current date, and calculate the remaining repayment information according to the total loan amount and the repaid information. For example, the remaining repayment period and the remaining repayment amount, the repayment module 104 may further calculate the remaining monthly repayment amount corresponding to the remaining repayment amount according to the remaining repayment amount and the current interest rate.
  • the wealth management module 108 is further configured to obtain a preset financial keyword, filter a plurality of wealth management information according to the financial keyword, and display the selected wealth management information.
  • the financial module 108 of the family financial management system obtains the preset financial keywords, filters the wealth management information according to the preset financial keywords, and displays the selected related wealth management information. Filtering relevant financial information through preset financial keywords is beneficial to obtaining financial information of interest to family members.
  • the wealth management module 108 is further configured to obtain a browsing record, extract a wealth management keyword according to the browsing record, filter a plurality of wealth management information according to the financial keyword, and display the selected wealth management information.
  • the wealth management module 108 screens out the financial related browsing records from the local browsing records, and then extracts the financial keywords in the financial related browsing records, accesses different websites according to the financial keywords, and obtains financial information related to the financial keywords on different websites.
  • the link then stores the link to the financial information locally to the home financial management system.
  • the wealth management module 108 can also obtain the corresponding wealth management information from the links of different wealth management information locally, calculate the corresponding wealth management income by using the household income and expenditure information and different wealth management information, and display different wealth management benefits.
  • the billing module 106 is further configured to scan the consumption credential, obtain the consumption item and the corresponding consumption amount, and record the consumption item and the corresponding consumption amount.
  • the home finance management system can be installed on mobile terminals, such as tablets and smartphones, and tablets and smartphones have cameras.
  • the accounting module 106 of the home financial management system is further configured to scan the consumption credentials, identify the consumption items and the consumption amount in the consumption credentials, and the consumption items include movies, restaurants, clothing, and beauty.
  • the accounting module 106 captures the consumption credential by using the camera of the mobile terminal, generates a consumption credential picture, and stores the consumption credential picture.
  • the accounting module 106 may store the consumption credential picture locally on the mobile terminal, or store the consumption credential picture in a cloud platform communicatively coupled to the home financial management system.
  • the storage format of the consumption credential picture can be BMP, GIF, TIFF, JPEG, and the like.
  • the consumption credential picture includes a plurality of characters
  • the accounting module 106 identifies the characters in the consumption credential picture line by line, extracts the consumption item in the consumption credential picture, and obtains the consumption amount corresponding to the consumption item.
  • the accounting module 106 can find the consumption amount by using the consumption amount identifier, and the consumption amount identifier includes the total amount, the total, the subtotal, and the like.
  • the billing module 106 records the consumption item and the corresponding amount of consumption.
  • the consumption item and the consumption amount can be recorded by scanning the consumption item and the consumption amount information in the consumption certificate.
  • the recording method is more rapid and convenient, which is conducive to recording the trivial consumption records in daily life.
  • the home financial management system further includes a note module 110 for recording a plurality of accounts, a corresponding prompt password, and a password dictionary, and querying the real password corresponding to the prompt password through the password dictionary.
  • the account and password of the social platform and the corresponding account and password of the transportation card, bank card, safe, etc., the social platform may be WeChat, Weibo, QQ, and the like.
  • the note module 110 records the prompt password corresponding to the real password of the plurality of accounts and the account.
  • the note module 110 also provides a password dictionary, which can be converted into a corresponding real password according to the password dictionary.
  • a password consists of characters, which usually include uppercase letters, lowercase letters, numbers, and underscores.
  • the password dictionary can get characters, and each character has a corresponding conversion character.
  • the character A corresponds to the conversion character H
  • the character b corresponds to the conversion character i
  • the underline corresponds to the conversion character backslash
  • the character 1 corresponds to the conversion character 9 and the like.
  • the conversion rules for the password dictionary can be changed.
  • the password dictionary converts the obtained characters into corresponding conversion characters according to the conversion rule.
  • the password dictionary can convert the real password into a prompt password, or convert the prompt password into a real password.
  • the note module 110 obtains the account number and the corresponding real password, converts the real password into a prompt password through the password dictionary, and records the account number and the corresponding prompt password. By recording the account and the corresponding prompt password, the password dictionary is used to convert the prompt password into a real password, which improves the security of the account and the real password.
  • the note module 110 can also obtain an account and a real password, and extract structural information of the real password.
  • the structure information includes the character structure of the real password, the character type, and the number of characters.
  • the note module 110 generates corresponding password hint information using the structure information.
  • the password prompt information may be the number of characters of the real password, including the number of letters in the characters of the real password, the number of digits, and the character type corresponding to each digit. For example, if the real password is abc123, the prompt information includes the number of characters in the password being 6, the number of letters being 3, the number of digits being 3, and the character type of the first ranking being letters.
  • the note module 110 can also generate a candidate character for each password character of the real password by using the password dictionary, and the candidate character includes the conversion character corresponding to the password character.
  • the note module 110 displays the candidate characters corresponding to each password character of the real password, and the family member can select the conversion character corresponding to the password character from the candidate characters, and the note module 110 converts the selected conversion character into a real one by using the password dictionary. password.
  • the real password is abc123
  • the password dictionary converts the password character a into h
  • the note module 110 generates a candidate character h, j, k for a, and displays the candidate character
  • the family member can from h, j
  • the conversion character h is selected among k three candidate characters
  • the note module 110 acquires the character a of the real password using the password dictionary.
  • the security of the password is further improved by using the structural information of the real password as the password prompt information.
  • the note module 110 is further configured to record a plurality of accounts and corresponding passwords, and send the account number and the corresponding password to the accounting module 106.
  • the accounting module 106 can query the corresponding balance according to the account number and the password, and the balance. The query is more convenient.
  • Savings accounts and/or credit accounts such as transportation cards, bank cards, and recharge cards usually have a certain amount.
  • the self-inquiry platform can be used to query the amount information of the account, including balance information and access records.
  • the note module 110 is further configured to record a plurality of accounts and corresponding passwords, and send the account number and the corresponding password to the accounting module 106.
  • the accounting module 106 receives the account number and password sent by the note module 110, and uses the account number and password to query the balance information and access records of the account.
  • the note module 110 records a plurality of account numbers and corresponding passwords, and sends the account number and the corresponding password to the billing module 106.
  • the accounting module 106 receives the account number and the corresponding password sent by the note module 110, and then associates the received account with the account, and obtains the balance information and the access record corresponding to the account. When the balance information in the account changes, the accounting module 106 updates the balance information of the account and saves the access record updated by the balance information.
  • the accounting module 106 can directly obtain the password, and can also obtain the password by using the password acquisition method in the previous embodiment.
  • the account balance information and access records are displayed according to the password corresponding to the account.
  • the note module 110 can also record multiple payment accounts such as water, electricity, network, gas, and heating, and send the payment account to the accounting module 106.
  • the accounting module 106 obtains the payment record of the payment account, and uses the payment record to count the payment account within a preset time. Total payment.
  • the accounting module 106 obtains the password corresponding to the payment account, obtains the payment record and the total payment amount of the payment account according to the password, and displays the payment record and the total payment amount.
  • the note-taking module 110 is further configured to acquire a to-do item, associate the basic information of the to-do item with the material corresponding to the to-do item, and record the basic information and the item of the to-do item on the notebook.
  • the note module 110 can obtain basic information of the to-do list, including the time, place, and preparation work of the to-do list.
  • the basic information of the to-do item is associated with the material corresponding to the to-do item and recorded on the notebook.
  • the note module 110 can also be associated with the calendar, obtain the date in the to-do list and the preset reminder time, use the date and reminder time in the to-do item to obtain the reminder date, and display the to-do list on the reminder date.
  • the note module 110 obtains a travel plan, and the basic information of the travel plan includes the travel time, the target location, the items to be purchased, and the purchase time.
  • the travel plan also includes travel route maps, food guides, and photo-taking reference pictures.
  • the note module 110 associates the basic information of the travel plan with the corresponding data of the travel plan, and records the basic information of the travel plan and the corresponding data of the travel plan on the notebook.
  • the note module 110 can use the purchase time and the reminder time to obtain the first reminder date, display the purchase plan in the travel plan on the first reminder date, and obtain the second reminder date according to the travel time and the reminder time, on the second reminder date.
  • the travel plan will be displayed.
  • the to-do list By recording the to-do list, the basic information and materials of the to-do list are associated, and the to-do list is displayed by using the reminder date, which is beneficial to effectively reminding family members according to the to-do list.
  • the note module 110 can also obtain a preset backup date and automatically back up the note information according to the backup date.
  • the note module 110 can also set an automatic backup mode. When the home financial management system is turned off, the automatic backup mode is activated, and the note information in the note module 110 is backed up.
  • the home financial management system further includes a contact module 112, configured to generate a message, import a plurality of contact information in batches, and send the message to the contact terminal in batch according to the plurality of contact information.
  • a contact module 112 configured to generate a message, import a plurality of contact information in batches, and send the message to the contact terminal in batch according to the plurality of contact information.
  • the contact module 112 can manage contacts.
  • the contact module 112 includes contact information such as contact name, address, phone number, email address, and birthday.
  • the contact module 112 can add, modify, and delete contact information of the original contact.
  • the contact module 112 can add new contacts individually or import multiple new contact information in batches.
  • the home finance management system can communicate with the terminal device to obtain the contact information in the terminal device, and import the contact information in the terminal device into the contact module 112 in batches.
  • the terminal device can be a mobile phone or a telephone watch.
  • the contact module 112 can also obtain a preset reminding time, obtain a reminding date according to the birthday of the contact and the reminding time, and display the birthday information of the corresponding contact according to the reminding date.
  • the contact module 112 can receive the information and can also edit the information and send the edited information separately and/or in bulk to the contact terminal.
  • the information can be a text message or an email.
  • the contact module 112 extracts new contact information in the short message and/or mail, and records the new contact information.
  • Contact information can be added more quickly by importing new contact information in bulk. By importing multiple contact information in batches, messages can be quickly sent to the contact terminal.
  • the home financial management system further includes an album module 114 for obtaining the memo information of the photo and/or video, and storing the photo and/or video with the added remark information in a folder corresponding to the remark information.
  • the home finance management system can store photos and/or videos to the album module 114.
  • the photo album module 114 obtains photos and/or videos, and then obtains remark information added by the family members to the photos and/or videos.
  • the remark information may be a person's name or a shooting theme, for example, a family member's birthday party, a family photo, and a going out Play and so on.
  • the album module 114 recognizes the remark information, creates a folder corresponding to the remark information, and stores the photo and/or video in the folder corresponding to the remark information by using the remark information.
  • the album module 114 may also store the note information as a family photo and/or video in the corresponding family photo folder.
  • the home financial management system can also be connected to a plurality of terminal devices, and the photo album module 114 of the home financial management system acquires photos and/or videos of the plurality of terminal devices, and deposits photos and/or videos of the plurality of terminal devices by using the memo information.
  • the corresponding folder can also be in communication with the cloud platform, and the photo album module 114 uploads the locally stored photos and/or videos to the cloud platform.
  • the photo and/or video in the album are classified and stored by the memo information, which improves the efficiency of album management.
  • the various modules in the home financial management system described above may be implemented in whole or in part by software, hardware, and combinations thereof.
  • Each of the above modules may be embedded in or independent of the processor in the computer device, or may be stored in a memory in the computer device in a software form, so that the processor invokes the operations corresponding to the above modules.
  • a terminal is provided, the internal structure of which can be as shown in FIG.
  • the terminal includes a processor coupled through a system bus, a non-volatile storage medium, an internal memory, a network interface, a display screen, and an input device.
  • the processor of the terminal is used to provide computing and control capabilities.
  • the memory of the terminal includes a non-volatile storage medium and an internal memory.
  • the non-volatile storage medium can be a computer-readable non-volatile storage medium.
  • the non-volatile storage medium of the terminal stores an operating system and computer readable instructions, the internal memory of the terminal providing an environment for operating the operating system and computer readable instructions in the non-volatile storage medium.
  • the computer readable instructions are executed by a processor to implement a home finance management method.
  • the network interface of the terminal is used to communicate with an external network interface.
  • the display screen of the terminal may be a liquid crystal display or an electronic ink display screen.
  • the input device may be a touch layer covered on the display screen, or may be a button, a trackball or a touchpad provided on the terminal housing, or may be an external device. Keyboard, trackpad or mouse.
  • the terminal can be a desktop computer, a personal laptop, a mobile phone, a tablet computer, and a personal digital assistant.
  • FIG. 4 is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the terminal to which the solution of the present application is applied.
  • the specific terminal may include a ratio. More or fewer components are shown in the figures, or some components are combined, or have different component arrangements.
  • a home financial management method is provided, and the method is applied to the terminal as an example for description, including:
  • step 502 the pre-tax salary of the family member is obtained, and the corresponding after-tax salary is calculated according to the pre-tax salary.
  • step 504 the loan information is obtained, and the repayment amount is calculated according to the loan information.
  • step 506 the after-tax salary, the repayment amount, and the consumption amount are recorded.
  • Step 508 Acquire a plurality of wealth management information, and calculate corresponding financial income according to the after-tax wage, the repayment amount, the consumption amount, and the wealth management information.
  • steps in the flowchart of FIG. 5 are sequentially displayed as indicated by the arrows, these steps are not necessarily performed in the order indicated by the arrows. Except as explicitly stated herein, the execution of these steps is not strictly limited, and the steps may be performed in other orders. Moreover, at least some of the steps in FIG. 5 may include a plurality of sub-steps or stages, which are not necessarily performed at the same time, but may be executed at different times, and the execution of these sub-steps or stages The order is also not necessarily sequential, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of the other steps.
  • the home financial management system can be pre-installed on the terminal.
  • the pre-tax salary of the family members can be obtained, and the after-tax salary can be calculated according to the pre-tax salary of the family members.
  • the terminal can obtain pre-tax wages, regional tax thresholds, regional personal income tax rate tables, social insurance payment rates, and provident fund payment ratios. According to pre-tax wages, regional tax thresholds, and regional personal income tax rates.
  • the social insurance payment ratio and the contribution rate of the provident fund are used to calculate the actual wages after tax, the amount of social insurance, and the amount of the provident fund.
  • the terminal can also calculate the repayment amount according to the loan information of the family member through the system. Through the system, the terminal can obtain the loan type, total loan amount, loan term and loan interest rate, and calculate the repayment amount according to the loan type, total loan amount, loan term and loan interest rate.
  • the terminal can also record household income and household expenses through the system.
  • Household income can be wage income and wealth management income, and household expenditure can repay loans, shopping expenses, and education expenses.
  • the terminal can also obtain suitable financial information according to the family income and expenditure information through the system.
  • the method further includes: obtaining a wealth management keyword, screening a plurality of wealth management information according to the financial keyword; and displaying the selected wealth management information.
  • family members have a certain interest in financial management, they can set financial management keywords through the system. Filtering relevant financial information through preset financial keywords is beneficial to obtaining financial information of interest to family members.
  • the method further includes: obtaining a browsing record corresponding to the wealth management information, extracting a wealth management keyword according to the browsing record; screening a plurality of wealth management information according to the financial keyword; and displaying the selected wealth management information.
  • the method further includes: obtaining a start repayment date, an interest rate modification date, and an early repayment date, and calculating a corresponding repayment time period by using a start repayment date, an interest rate modification date, and an early repayment date;
  • the loan interest rate corresponding to the repayment time period and the repayment time period are respectively used to calculate the repayment information corresponding to different repayment time periods.
  • the method further includes: scanning the consumption credentials, obtaining the consumption item and the corresponding consumption amount; and recording the consumption item and the corresponding consumption amount.
  • the terminal can filter out the financial related browsing records from the local browsing records, extract the financial management keywords in the financial related browsing records, and then use the financial keywords to crawl the wealth management information in multiple websites.
  • the terminal can filter out the financial related browsing records from the local browsing records, extract the financial management keywords in the financial related browsing records, and then use the financial keywords to crawl the wealth management information in multiple websites.
  • the terminal may obtain a plurality of wealth management information according to the after-tax wage, the repayment amount, and the consumption amount, and calculate corresponding information obtained by the plurality of wealth management information in a preset time according to the after-tax salary, the repayment amount, the consumption amount, and the plurality of wealth management information.
  • Financial management income display a variety of financial information and corresponding financial income separately.
  • the family's financial income status can be obtained by calculating the post-tax wages, repayment amount, and household consumption of family members.
  • the post-tax wages, repayment amount, consumption amount, and wealth management information are used to measure the corresponding wealth management income, thereby facilitating family members to conduct financial management according to the family's financial information.
  • a terminal comprising a memory and one or more processors, the memory storing computer readable instructions, the computer readable instructions being executed by the processor, causing the one or more processors to perform the following steps: obtaining a tax before the family member Salary, calculate the corresponding after-tax salary according to the pre-tax salary; obtain loan information, calculate the repayment amount according to the loan information; record the after-tax wage, repayment amount and consumption amount; and obtain a variety of wealth management information, according to after-tax wages, The amount of money, the amount of consumption, and the wealth management information to measure the corresponding financial income.
  • the method when the processor executes the computer readable instructions, the method further includes the steps of: obtaining a wealth management keyword, screening a plurality of wealth management information according to the financial keyword; and displaying the selected wealth management information.
  • the method when the processor executes the computer readable instructions, the method further includes: obtaining a browsing record corresponding to the wealth management information, extracting a wealth management keyword according to the browsing record; and screening a plurality of wealth management information according to the financial keyword; The selected wealth management information is displayed.
  • the processor executes the computer readable instructions to perform the following steps: obtaining a start repayment date, an interest rate modification date, and an early repayment date, using a start repayment date, an interest rate modification date, and an early repayment date. Corresponding repayment time period; and calculating the repayment information corresponding to different repayment time periods by using the loan interest rates corresponding to the repayment time period and the repayment time period respectively.
  • the processor when executing the computer readable instructions, further performs the steps of: scanning the consumption credentials, obtaining the consumption item and the corresponding consumption amount; and recording the consumption item and the corresponding consumption amount.
  • One or more non-transitory computer readable storage mediums storing computer readable instructions, when executed by one or more processors, cause one or more processors to perform the steps of: obtaining a member of a family Pre-tax salary, calculate the corresponding after-tax salary according to the pre-tax salary; obtain the loan information, calculate the repayment amount according to the loan information; record the after-tax wage, repayment amount and consumption amount; and obtain a variety of wealth management information, according to the after-tax salary The amount of repayment, the amount of consumption, and the financial management information corresponding to the financial information.
  • the following steps are further performed: acquiring a wealth management keyword, screening a plurality of wealth management information according to the financial keyword; and displaying the selected wealth management information.
  • the following steps are further performed: acquiring a browsing record corresponding to the financial information, extracting a financial keyword according to the browsing record; and screening a plurality of wealth management information according to the financial keyword; Display the selected wealth management information.
  • the computer readable instructions are executed by the processor to perform the following steps: obtaining a start repayment date, an interest rate modification date, and an early repayment date, using a start repayment date, an interest rate modification date, and an early repayment date. Calculating the corresponding repayment time period; and calculating the repayment information corresponding to different repayment time periods by using the loan interest rates corresponding to the repayment time period and the repayment time period.
  • the computer readable instructions when executed by the processor, further perform the steps of: scanning the consumption credentials, obtaining the consumption item and the corresponding consumption amount; and recording the consumption item and the corresponding consumption amount.
  • Non-volatile memory can include read only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory.
  • Volatile memory can include random access memory (RAM) or external cache memory.
  • RAM is available in a variety of formats, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronization chain.
  • SRAM static RAM
  • DRAM dynamic RAM
  • SDRAM synchronous DRAM
  • DDRSDRAM double data rate SDRAM
  • ESDRAM enhanced SDRAM
  • Synchlink DRAM SLDRAM
  • Memory Bus Radbus
  • RDRAM Direct RAM
  • DRAM Direct Memory Bus Dynamic RAM
  • RDRAM Memory Bus Dynamic RAM

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Abstract

一种家庭财务管理系统，包括：工资模块，用于获取家庭成员的税前工资，根据税前工资计算对应的税后工资，将税后工资发送至记账模块；还款模块，用于获取贷款信息，根据贷款信息计算还款金额，将还款金额发送至记账模块；记账模块，用于记录税后工资、还款金额以及消费金额；理财模块，用于获取多种理财信息，根据税后工资、还款金额、消费金额以及理财信息测算对应的理财收益。

Description

家庭财务管理系统、方法、终端和存储介质
本申请要求于2017年07月26日提交中国专利局，申请号为2017106183033，申请名称为“家庭财务管理系统、方法、终端和存储介质”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及一种家庭财务管理系统、方法、终端和存储介质。
背景技术
家庭财务管理对于每一个家庭来说有重要的意义。随着生活水平的提高，家庭收入和支出越来越多样化，家庭财务管理也越来越重要。在传统的方式中，通过记账软件记录家庭收支信息，但是现有的记账软件不便于计算复杂的财务信息，也不便于家庭成员根据家庭财务信息有效地进行财务管理。因此，如何为家庭成员进行有效的财务管理提供方便是目前需要解决的一个技术问题。
发明内容
根据本申请公开的各种实施例，提供一种家庭财务管理系统、方法、终端和存储介质。
一种家庭财务管理系统，包括：工资模块，用于获取家庭成员的税前工资，根据所述税前工资计算对应的税后工资，将所述税后工资发送至记账模块；还款模块，用于获取贷款信息，根据所述贷款信息计算还款金额，将所述还款金额发送至记账模块；记账模块，用于记录税后工资、还款金额以及消费金额；及理财模块，用于获取多种理财信息，根据所述税后工资、还款金额、消费金额以及理财信息测算对应的理财收益。
一种家庭财务管理方法，包括：获取家庭成员的税前工资，根据所述税前工资计算对应的税后工资；获取贷款信息，根据所述贷款信息计算还款金额；记录税后工资、还款金额以及消费金额；及获取多种理财信息，根据所述税后工资、还款金额、消费金额以及理财信息测算对应的理财收益。
一种终端，包括存储器和一个或多个处理器，所述存储器中储存有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述一个或多个处理器执行以下步骤：获取贷款信息，根据所述贷款信息计算还款金额；记录税后工资、还款金额以及消费金额；及获取多种理财信息，根据所述税后工资、还款金额、消费金额以及理财信息测算对应的理财收益。
一个或多个存储有计算机可读指令的非易失性计算机可读存储介质，计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行以下步骤：获取贷款信息，根据所述贷款信息计算还款金额；记录税后工资、还款金额以及消费金额；及获取多种理财信 息，根据所述税后工资、还款金额、消费金额以及理财信息测算对应的理财收益。
本申请的一个或多个实施例的细节在下面的附图和描述中提出。本申请的其它特征和优点将从说明书、附图以及权利要求书变得明显。
附图说明
为了更清楚地说明本申请实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1为根据一个或多个实施例中家庭财务管理系统的框图。
图2为根据一个或多个实施例中家庭财务管理系统的界面图。
图3为根据另一个或多个实施例中家庭财务管理系统的界面图。
图4为根据一个或多个实施例中终端的框图。
图5为根据一个或多个实施例中家庭财务管理方法的流程图。
具体实施方式
为了使本申请的技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
可以理解，本申请所使用的术语“第一”、“第二”等可在本文中用于描述各种元件，但这些元件不受这些术语限制。这些术语仅用于将第一个元件与另一个元件区分。举例来说，在不脱离本申请的范围的情况下，可以将第一客户端称为第二客户端，且类似地，可将第二客户端称为第一客户端。第一客户端和第二客户端两者都是客户端，但其不是同一客户端。
在其中一个实施例中，如图1所示，提供了一种家庭财务管理系统100，该系统包括：工资模块102、还款模块104、记账模块106以及理财模块108，其中：
工资模块102，用于获取家庭成员的税前工资，根据税前工资计算对应的税后工资，将税后工资发送至记账模块106。
还款模块104，用于获取贷款信息，根据贷款信息计算还款金额，将还款金额发送至记账模块106。
记账模块106，用于记录税后工资、还款金额以及消费金额。
理财模块108，用于获取多种理财信息，根据税后工资、还款金额、消费金额以及理财信息测算对应的理财收益。
家庭财务管理系统可以安装在终端，例如，智能手机、平板电脑、台式电脑以及个人笔记本电脑等。家庭财务管理系统可以记录家庭收入和家庭支出，家庭收入包括工资收入 以及理财收入。家庭支出包括偿还贷款、购物消费以及教育支出等。家庭财务管理系统还可以根据家庭收入和家庭支出向家庭成员推送合适的理财信息。家庭财务管理系统还可以管理家庭成员的联系人、待办事项以及相册等。当家庭财务管理系统在终端上运行时，终端显示家庭财务管理系统的界面图。如图2所示，提供了家庭财务管理系统在智能手机上运行的界面图，界面图中包括控件，例如，开始、设置以及帮助等。控件还包括功能控件，例如，工资模块102对应的工资计算控件、还款模块104对应的偿还贷款控件、记账模块106对应的记账控件以及理财模块108对应的理财控件等，家庭财务管理系统可以通过功能控件进入对应的功能模块，进而完成对应的任务。
家庭财务管理系统包括工资模块102，工资模块102用于获取家庭成员的税前工资，根据家庭成员的税前工资计算税后工资。家庭成员的税前工资可以是工资所得，也可以是养老金所得。税后工资包括税后实际发放工资、社会保险以及公积金。社会保险包括养老保险、医疗保险、失业保险、工伤保险以及生育保险等，公积金包括住房公积金。工资模块102可以根据税前工资中的基本工资计算对应的税后工资，也可以根据税前工资直接计算对应的税后工资。工资模块102获取税前工资、地区个税起征点、地区个人所得税税率表、社会保险缴纳比率以及公积金缴纳比率等，根据税前工资、地区个税起征点、地区个人所得税税率表、社会保险缴纳比率以及公积金缴纳比率计算税后实际发放工资、社会保险的金额以及公积金的金额。例如，税前工资为12000元，工作地点为上海，上海地区的个税起征点为3500元，工资模块102根据上海个人所得税税率表计算可得税后实际发放工资为9127元，公积金为840元，社会保险为1320元。工资模块102还可以根据税前工资计算税前年薪，也可以根据税后实际发放工资计算税后实际发放年薪。工资模块102将税后实际发放工资、社会保险的金额以及公积金的金额发送至家庭财务管理系统的记账模块106。
家庭财务管理系统包括还款模块104，还款模块104用于根据家庭成员的贷款信息计算还款金额。贷款的类型可以是房贷、车贷以及金融平台贷款等。贷款的形式可以是商业贷款、公积金贷款等。还款模块104根据贷款信息计算还款信息，还款信息包括还款形式、还款金额以及还款期限等。还款模块104获取贷款种类、贷款总额、贷款期限以及贷款利率，根据贷款种类、贷款总额、贷款期限以及贷款利率计算还款金额。还款金额包括剩余贷款金额和剩余贷款金额对应的月还款金额。例如，家庭的贷款类型为房贷，贷款形式包括商业贷款和公积金贷款两种，则还款模块104可以根据商业贷款总额、贷款期限以及贷款利率计算商业贷款对应的还款金额；还款模块104还可以根据公积金贷款总额、贷款期限以及贷款利率计算公积金贷款对应的还款金额。还款模块104将计算得到的还款金额发送至家庭财务管理系统的记账模块106。
家庭收支信息种类繁多，家庭收支信息包括家庭收入和家庭支出。家庭收入可以是工资收入以及理财收入，家庭支出可以偿还贷款、购物消费以及教育支出等。家庭财务管理系统的记账模块106可以记录家庭收支信息。记账模块106可以分类记录家庭收支信息， 记录模块106可以将家庭收入记录在收入菜单栏，将家庭支出记录在支出菜单栏。收入菜单栏还可以包括子菜单栏，例如，工资收入菜单栏、理财收入菜单栏。支出菜单栏也可以包括子菜单栏，例如，偿还贷款菜单栏、购物消费菜单栏以及教育支出菜单栏。记账模块106可以按照家庭收支信息的种类记录在对应的菜单栏。例如，记账模块106可以将工资模块102发送的税后实际发放工资、社会保险以及公积金的金额记录在工资收入菜单栏，将还款模块104发送的还款金额记录在偿还贷款菜单栏。购物消费菜单栏还可以包括子菜单栏，例如，超市购物菜单栏、聚餐菜单栏以及看电影菜单栏。记账模块106根据消费项目将消费金额记录在对应的菜单栏里。记账模块106还可以利用家庭收入和家庭支出计算家庭净收入。
记账模块106还可以获取预设的备份日期，根据备份日期自动备份记账信息。记账模块106还可以设置自动备份模式，当家庭财务管理系统被关闭时，启动自动备份模式，将记账模块106中的记账信息进行备份。
家庭财务管理系统还包括理财模块108，理财模块108用于根据家庭收支信息获取合适的理财信息，将理财信息推送给家庭成员。例如，家庭支出中教育支出所占的比例最大，理财模块108获取教育类理财信息，将教育类理财信息推送给家庭成员。理财信息可以是理财产品以及理财资讯，例如，股市变化、基金变化以及专家分析等。理财模块108还可以根据税后工资、还款金额、消费金额获取多种理财信息，根据税后工资、还款金额、消费金额以及多种理财信息分别计算多种理财信息在预设时间内获取的对应的理财收益，将多种理财信息和对应的理财收益分别进行显示。家庭成员可以根据不同理财信息和对应的理财收益进行比较，选取适合家庭成员的理财信息，根据选取的理财信息进行投资理财。
家庭财务管理系统通过工资模块102可以计算家庭成员的税后工资，通过还款模块104可以计算相应的还款金额，通过记账模块106可以记录税后工资、还款金额以及家庭的消费金额，由此可以得到家庭的财务收入状况。通过理财模块108可以利用税后工资、还款金额、消费金额以及理财信息测算对应的理财收益，由此便于家庭成员根据家庭的财务信息进行适当的财务管理。
在其中一个实施例中，税前工资包括对应的工资区间，工资区间包括第一税前工资和第二税前工资，工资模块102还用于获取第一税前工资和第二税前工资以及间隔金额，根据第一税前工资和第二税前工资以及间隔金额得到多个税前工资，计算多个税前工资对应的税后工资。
家庭财务管理系统的工资模块102还可以同时计算多个税前工资对应的税后工资。工资模块102获取税前工资对应的工资区间，工资区间包括间隔金额，工资区间由间隔金额划分为不同的税前工资。税前工资包括第一税前工资和第二税前工资。第一税前工资可以是工资期间的起始工资，第二税前工资可以是工资区间的结束工资，也可以是工资区间的中间任一工资。工资模块102分别计算第一税前工资和第二税前工资之间所有税前工资对应的税后工资，包括税后实际发放工资、社会保险以及公积金。公积金包括个人缴纳公积 金和企业缴纳公积金，工资模块102还可以根据企业缴纳公积金和个人缴纳公积金计算公积金缴纳总额。工资模块102还可以根据工资区间内的所有税后工资计算不同税后工资之间的工资增长金额。家庭财务管理系统通过工资模块102计算工资区间内多个税前工资对应的税后工资时，显示税后工资的界面图，如图3所示，提供了工资区间内多个税后工资的界面图，工资区间为8000至12000，间隔金额为1000。界面图中包括起始月薪控件、结束月薪控件、间隔金额控件，家庭财务管理系统通过多个税前工资计算得到对应的税后工资以及工资增长金额。
通过获取多个税前工资，分别计算得到多个税前工资的税后工资和社保金额，工资模块102可以进一步对多个税后工资进行比对，也可以进一步对多个社保金额进行比对，工资比对更方便。
在其中一个实施例中，还款模块104还用于获取开始还款日期、利率修改日期以及提前还款日期，利用开始还款日期、利率修改日期以及提前还款日期计算对应的还款时间段，利用还款时间段和还款时间段对应的贷款利率分别计算不同还款时间段对应的还款信息。
偿还贷款包括偿还本金和偿还利息。家庭成员可以通过提前还款的方式偿还部分本金，进而减少剩余本金对应的利息。偿还贷款期间，贷款利率可能会发生变化，还款信息也会发生变化。家庭财务管理系统的还款模块104可以根据偿还贷款期间的利率修改日期和提前还款信息计算不同还款时间段的还款信息，还款模块104还可以根据还款信息计算剩余还款信息。还款模块104获取开始还款日期、利率修改日期以及提前还款日期，利用开始还款日期、利率修改日期以及提前还款日期获取对应的还款时间段，进而获取还款时间段对应的利率。还款模块104分别还款时间段内的还款信息。例如，开始还款日期为2014年1月，利率修改日期为2015年1月，提前还款日期为2015年6月，当前日期是2017年6月，则第一还款时间段为2014年1月～2015年1月，第二还款时间段为2015年1月～2015年6月，第三还款时间段为2015年6月～2017年6月。还款模块104可以获取第一还款时间段内的利率，计算该还款时间段内的还款信息；同样地，还款模块104也可以利用第二还款时间段的利率计算第二还款时间段内的还款信息。家庭成员在2015年6月进行了提前还款，还款模块104利用第一还款时间段的还款信息、第二还款时间段的还款信息以及提前还款信息计算得到剩余还款信息，进而利用第三还款时间段的利率和剩余还款信息计算第三还款时间段对应的还款信息。
传统方式中，贷款计算软件只能根据家庭成员的贷款信息计算得到预测还款信息，而不能计算详细的已还款信息，也无法根据利率变化和提前还款信息计算已还款信息。还款模块104可以根据开始贷款总额、利率、贷款期限、还款日期以及当前日期计算对应的已还款信息，根据贷款总额和已还款信息计算剩余还款信息。例如，剩余还款期限、剩余还款金额，还款模块104还可以根据剩余还款金额和当前利率计算剩余还款金额对应的剩余月还款金额。通过获取不同还款时间段对应的利率，计算不同时间段内的还款信息，方便家庭成员计算已还款信息。
在其中一个实施例中，理财模块108还用于获取预设的理财关键字，根据理财关键字对多种理财信息进行筛选，将筛选出的理财信息进行展示。
如果家庭成员对理财有一定的兴趣，可以在该系统上设置理财关键字。例如，证券、货币、基金、教育理财、信托理财以及贵金属投资等。家庭财务管理系统的理财模块108获取预设的理财关键字，根据预设的理财关键字对理财信息进行筛选，将筛选出的相关理财信息进行展示。通过预设的理财关键字筛选相关的理财信息，有利于获取家庭成员感兴趣的理财信息。
在其中一个实施例中，理财模块108还用于获取浏览记录，根据浏览记录提取理财关键字，根据理财关键字对多种理财信息进行筛选，将筛选出的理财信息进行展示。
当家庭成员在系统上浏览理财信息时，表示家庭成员可能对浏览的理财信息感兴趣。理财模块108从本地浏览记录中筛选出理财相关的浏览记录，进而提取理财相关的浏览记录中的理财关键字，根据理财关键字访问不同的网站，获取不同网站上与理财关键字相关的理财信息的链接，进而将理财信息的链接进行存储到家庭财务管理系统的本地。理财模块108还可以从本地获取不同理财信息的链接中对应的理财信息，利用家庭收支信息和不同的理财信息分别计算对应的理财收益，将不同的理财收益进行展示。通过提取本地浏览记录中的理财关键字，利用理财关键字筛选相关的理财信息，更有利于获取家庭成员感兴趣的理财信息。
在其中一个实施例中，记账模块106还用于扫描消费凭据，获取消费项目和对应的消费金额，将消费项目和对应的消费金额进行记录。
家庭财务管理系统可以安装在移动终端，例如，平板电脑和智能手机等，平板电脑和智能手机具有摄像头。家庭财务管理系统的记账模块106还用于扫描消费凭据，识别消费凭据中的消费项目和消费金额，消费项目包括电影、餐饮、服饰以及美容等。记账模块106利用移动终端的摄像头拍摄消费凭据，生成消费凭据图片，进而将消费凭据图片存储。记账模块106可以将消费凭据图片存储在移动终端本地，也可以将消费凭据图片存储在与家庭财务管理系统通讯连接的云平台。消费凭据图片的存储格式可以是BMP、GIF、TIFF以及JPEG等。消费凭据图片中包括多个字符，记账模块106逐行识别消费凭据图片中的字符，提取消费凭据图片中的消费项目，获取与消费项目对应的消费金额。记账模块106可以通过消费金额标识查找消费金额，消费金额标识包括总金额、合计以及小计等。记账模块106将消费项目和对应的消费金额进行记录。通过扫描提取消费凭据中的消费项目和消费金额信息，可以将消费项目和消费金额进行记录。记录方式更加迅速、便捷，有利于记录日常生活中琐碎的消费记录。
在其中一个实施例中，家庭财务管理系统还包括笔记模块110，用于记录多种账号、对应的提示密码以及密码字典，通过密码字典查询到提示密码对应的真实密码。
生活中有多种账户和对应的密码需要记录。例如，社交平台的账户和密码以及交通卡、银行卡、保险柜等对应的账户和密码，社交平台可以是微信、微博以及QQ等。为了记录 账户和对应的真实密码，并确保账户和真实密码的安全性，笔记模块110记录多种账号和账号的真实密码对应的提示密码。笔记模块110还提供了密码字典，根据密码字典可以将提示密码转换成对应的真实密码。密码由字符组成，密码的字符通常包括大写字母、小写字母、数字以及下划线等。密码字典可以获取字符，每个字符具有对应的转换字符。例如字符A对应转换字符H、字符b对应转换字符i下划线对应转换字符反斜杠以及字符1对应转换字符9等。密码字典的转换规则可以更改。密码字典根据转换规则将获取的字符转换为对应的转换字符。密码字典可以将真实密码转换成提示密码，也可以将提示密码转换成真实密码。笔记模块110获取账号和对应的真实密码，将真实密码通过密码字典转换成提示密码，将账号和对应的提示密码进行记录。通过记录账户和对应的提示密码，利用密码字典将提示密码转换成真实密码，提高了账户和真实密码的安全性。
笔记模块110还可以获取账户和真实密码，提取真实密码的结构信息，结构信息包括真实密码的字符结构、字符类型以及字符位数等。笔记模块110利用结构信息生成对应的密码提示信息。密码提示信息可以是真实密码的字符数，包括真实密码的字符中字母的个数、数字的个数以及每一位对应的字符类型。例如，真实密码为abc123，则提示信息包括密码中字符的个数为6、字母的个数为3、数字的个数为3以及第一个排位的字符类型是字母等。笔记模块110还可以利用密码字典为真实密码的每一位密码字符生成待选字符，待选字符中包括密码字符对应的转换字符。笔记模块110将真实密码的每一位密码字符对应的待选字符进行显示，家庭成员可以从待选字符中选取密码字符对应的转换字符，笔记模块110利用密码字典将选取的转换字符转换为真实密码。例如，真实密码为abc123，密码字典将密码字符a转换成了h，笔记模块110为a生成h，j，k三个待选字符，将待选字符进行显示，家庭成员可以从h，j，k三个待选字符中选出转换字符h，笔记模块110利用密码字典获取真实密码的字符a。通过将真实密码的结构信息作为密码提示信息的方式，进一步提高了密码的安全性。
在其中一个实施例中，笔记模块110还用于记录多种账号和对应的密码，将账号和对应的密码发送至记账模块106，记账模块106可以根据账号和密码查询对应的余额，余额查询更方便。
交通卡、银行卡以及充值卡等储蓄账号和/或信用账号中通常具有一定的金额，可以通过自助查询平台查询账号的金额信息，包括余额信息、存取记录等。笔记模块110还用于记录多种账号和对应的密码，将账号和对应的密码发送至记账模块106。记账模块106接收笔记模块110发送的账号和密码，利用账号和密码查询账号的余额信息和存取记录。笔记模块110记录多种账号和对应的密码，将账号和对应的密码发送至记账模块106。记账模块106接收笔记模块110发送的账号和对应的密码，进而关联接收的账号，获取账号对应的余额信息和存取记录。当账号中余额信息发生变化时，记账模块106更新账号的余额信息，保存余额信息更新的存取记录。记账模块106可以直接获取密码，也可以利用上一实施例中的密码获取方式获取密码。根据账号对应的密码显示账号的余额信息和存取记 录。
笔记模块110还可以记录水电、网络、燃气以及暖气等多种缴费账号，将缴费账号发送至记账模块106，记账模块106获取缴费账号的缴费记录，利用缴费记录统计预设时间内缴费账号的缴费总额。记账模块106获取缴费账号对应的密码，根据密码获取缴费账号的缴费记录和缴费总额，将缴费记录和缴费总额进行展示。
在其中一个实施例中，笔记模块110还用于获取待办事项，将待办事项的基本信息和待办事项对应的资料进行关联，将待办事项的基本信息和资料记录在笔记本上。
家庭中有很多待办事项，例如出行计划、购物计划以及举办派对等。笔记模块110可以获取待办事项的基本信息，包括待办事项的时间、地点以及准备工作等。将待办事项的基本信息和待办事项对应的资料进行关联，记录在笔记本上。笔记模块110还可以与日历关联，获取待办事项中的日期和预设的提醒时间，利用待办事项中的日期和提醒时间获取提醒日期，在提醒日期将待办事项进行展示。例如，笔记模块110获取一项出行计划，出行计划的基本信息包括出行时间、目标地点、计划采购的物品以及采购时间等。出行计划的资料还包括出行线路图、美食攻略以及拍照姿势参考图片等。笔记模块110将出行计划的基本信息和出行计划的对应的资料进行关联，将出行计划的基本信息和出行计划的对应的资料记录在笔记本上。笔记模块110可以利用采购时间和提醒时间获取第一提醒日期，在第一提醒日期将出行计划中的采购计划进行显示，还可以根据出行时间和提醒时间获取第二提醒日期，在第二提醒日期将出行计划进行展示。通过记录待办事项，将待办事项的基本信息和资料进行关联，利用提醒日期将待办事项进行展示，有利于根据待办事项对家庭成员进行有效提醒。
笔记模块110还可以获取预设的备份日期，根据备份日期自动备份笔记信息。笔记模块110还可以设置自动备份模式，当家庭财务管理系统被关闭时，启动自动备份模式，将笔记模块110中的笔记信息进行备份。
在其中一个实施例中，家庭财务管理系统还包括联系人模块112，用于生成消息，批量导入多个联系人信息，根据多个联系人信息将消息批量发送至联系人终端。
家庭中家庭成员的联系人众多，联系人模块112可以管理联系人。联系人模块112包括联系人信息，如联系人姓名、住址、电话、邮箱以及生日等。联系人模块112可以增加、修改以及删除原联系人的联系人信息。联系人模块112可以单独增加新联系人，也可以批量导入多个新联系人信息。家庭财务管理系统可以与终端设备通讯连接，获取终端设备中的联系人信息，将终端设备中的联系人信息批量导入联系人模块112。终端设备可以是手机以及电话手表等。联系人模块112还可以获取预设的提醒时间，根据联系人的生日和提醒时间获取提醒日期，根据提醒日期展示对应联系人的生日信息。
联系人模块112可以接收信息，还可以编辑信息，将编辑好的信息单独和/或批量发送至联系人终端。信息可以是短信，也可以是邮件。联系人模块112提取短信和/或邮件中的新联系人信息，将新联系人信息进行记录。
通过批量导入新联系人信息，可以更迅速地添加联系人信息。通过批量导入多个联系人信息，可以将消息迅速地发送至联系人终端。
在其中一个实施例中，家庭财务管理系统还包括相册模块114，用于获取照片和/或视频的备注信息，将添加备注信息的照片和/或视频存入与备注信息对应的文件夹内。
当家庭成员利用终端的相机进行拍摄时，可能拍摄照片和/或视频。家庭财务管理系统可以将照片和/或视频存储至相册模块114。相册模块114获取照片和/或视频，进而获取家庭成员对照片和/或视频添加的备注信息，备注信息可以是人物名称，也可以是拍摄主题，例如，家庭成员的生日派对、家庭合影以及外出游玩等。相册模块114识别备注信息，建立备注信息对应的文件夹，利用备注信息将照片和/或视频存入与备注信息对应的文件夹内。例如，备注信息如果为家庭合影，则相册模块114还可以将备注信息为家庭合影照片和/或视频存储在对应的家庭合影文件夹中。家庭财务管理系统还可以与多个终端设备通讯连接，家庭财务管理系统的相册模块114获取多个终端设备的照片和/或视频，利用备注信息将多个终端设备的照片和/或视频存入对应的文件夹。家庭财务管理系统还可以与云平台通讯连接，相册模块114将存储在本地的照片和/或视频上传至云平台。
通过备注信息将相册中的照片和/或视频进行分类存储，提高了相册管理效率。
上述家庭财务管理系统中的各个模块可全部或部分通过软件、硬件及其组合来实现。上述各模块可以硬件形式内嵌于或独立于计算机设备中的处理器中，也可以以软件形式存储于计算机设备中的存储器中，以便于处理器调用执行以上各个模块对应的操作。
在其中一个实施例中，提供了一种终端，其内部结构图可以如图4所示。该终端包括通过系统总线连接的处理器、非易失性存储介质、内存储器、网络接口、显示屏和输入装置。终端的处理器用于提供计算和控制能力。该终端的存储器包括非易失性存储介质、内存储器。该非易失性存储介质可以是计算机可读非易失性存储介质。该终端的非易失性存储介质存储有操作系统和和计算机可读指令，该终端的内存储器为非易失性存储介质中的操作系统和计算机可读指令的运行提供环境。该计算机可读指令被处理器执行时以实现一种家庭财务管理方法。该终端的网络接口用于与外部的网络接口进行通信。终端的显示屏可以是液晶显示屏或者电子墨水显示屏等，输入装置可以是显示屏上覆盖的触摸层，也可以是终端外壳上设置的按键、轨迹球或触控板，也可以是外接的键盘、触控板或鼠标等。该终端可以是台式电脑、个人笔记本电脑、手机、平板电脑以及个人数字助理等。
本领域技术人员可以理解，图4中示出的结构，仅仅是与本申请方案相关的部分结构的框图，并不构成对本申请方案所应用于其上的终端的限定，具体的终端可以包括比图中所示更多或更少的部件，或者组合某些部件，或者具有不同的部件布置。
在其中一个实施例中，如图5所示，提供了一种家庭财务管理方法，以该方法应用于终端为例进行说明，包括：
步骤502，获取家庭成员的税前工资，根据税前工资计算对应的税后工资。
步骤504，获取贷款信息，根据贷款信息计算还款金额。
步骤506，记录税后工资、还款金额以及消费金额。
步骤508，获取多种理财信息，根据税后工资、还款金额、消费金额以及理财信息测算对应的理财收益。
应该理解的是，虽然图5的流程图中的各个步骤按照箭头的指示依次显示，但是这些步骤并不是必然按照箭头指示的顺序依次执行。除非本文中有明确的说明，这些步骤的执行并没有严格的顺序限制，这些步骤可以以其它的顺序执行。而且，图5中的至少一部分步骤可以包括多个子步骤或者多个阶段，这些子步骤或者阶段并不必然是在同一时刻执行完成，而是可以在不同的时刻执行，这些子步骤或者阶段的执行顺序也不必然是依次进行，而是可以与其它步骤或者其它步骤的子步骤或者阶段的至少一部分轮流或者交替地执行。
终端上可以预先安装家庭财务管理系统，通过利用该系统可以获取家庭成员的税前工资，根据家庭成员的税前工资计算税后工资。终端可以通过该系统获取税前工资、地区个税起征点、地区个人所得税税率表、社会保险缴纳比率以及公积金缴纳比率等，根据税前工资、地区个税起征点、地区个人所得税税率表、社会保险缴纳比率以及公积金缴纳比率计算税后实际发放工资、社会保险的金额以及公积金的金额。
终端还可以通过该系统根据家庭成员的贷款信息计算还款金额。终端可以通过该系统获取贷款种类、贷款总额、贷款期限以及贷款利率，根据贷款种类、贷款总额、贷款期限以及贷款利率计算还款金额。
终端还可以通过该系统记录家庭收入和家庭支出。家庭收入可以是工资收入以及理财收入，家庭支出可以偿还贷款、购物消费以及教育支出等。终端还可以通过该系统根据家庭收支信息获取合适的理财信息。
在其中一个实施例中，该方法还包括：获取理财关键字，根据理财关键字对多种理财信息进行筛选；及将筛选出的理财信息进行展示。
如果家庭成员对理财有一定的兴趣，可以通过该系统设置理财关键字。通过预设的理财关键字筛选相关的理财信息，有利于获取家庭成员感兴趣的理财信息。
在其中一个实施例中，该方法还包括：获取理财信息对应的浏览记录，根据浏览记录提取理财关键字；根据理财关键字对多种理财信息进行筛选；及将筛选出的理财信息进行展示。
在其中一个实施例中，该方法还包括：获取开始还款日期、利率修改日期以及提前还款日期，利用开始还款日期、利率修改日期以及提前还款日期计算对应的还款时间段；及利用还款时间段和还款时间段对应的贷款利率分别计算不同还款时间段对应的还款信息。
在其中一个实施例中，该方法还包括：扫描消费凭据，获取消费项目和对应的消费金额；及将消费项目和对应的消费金额进行记录。
终端可以通过该系统从本地浏览记录中筛选出理财相关的浏览记录，提取理财相关的浏览记录中的理财关键字，进而利用理财关键字在多个网站中爬取理财信息。通过提取本地浏览记录中的理财关键字，利用理财关键字筛选相关的理财信息，更有利于获取家庭成 员感兴趣的理财信息。
终端可以根据税后工资、还款金额、消费金额获取多种理财信息，根据税后工资、还款金额、消费金额以及多种理财信息分别计算多种理财信息在预设时间内获取的对应的理财收益，将多种理财信息和对应的理财收益分别进行显示。
通过计算家庭成员的税后工资、还款金额以及家庭的消费金额，由此可以得到家庭的财务收入状况。利用税后工资、还款金额、消费金额以及理财信息测算对应的理财收益，由此便于家庭成员根据家庭的财务信息进行财务管理。
一种终端，包括存储器和一个或多个处理器，存储器中储存有计算机可读指令，计算机可读指令被处理器执行时，使得一个或多个处理器执行以下步骤：获取家庭成员的税前工资，根据税前工资计算对应的税后工资；获取贷款信息，根据贷款信息计算还款金额；记录税后工资、还款金额以及消费金额；及获取多种理财信息，根据税后工资、还款金额、消费金额以及理财信息测算对应的理财收益。
在其中一个实施例中，处理器执行计算机可读指令时还执行以下步骤：获取理财关键字，根据理财关键字对多种理财信息进行筛选；及将筛选出的理财信息进行展示。
在其中一个实施例中，处理器执行计算机可读指令时还执行以下步骤：获取理财信息对应的浏览记录，根据浏览记录提取理财关键字；及根据理财关键字对多种理财信息进行筛选；将筛选出的理财信息进行展示。
在其中一个实施例中，处理器执行计算机可读指令时还执行以下步骤：获取开始还款日期、利率修改日期以及提前还款日期，利用开始还款日期、利率修改日期以及提前还款日期计算对应的还款时间段；及利用还款时间段和还款时间段对应的贷款利率分别计算不同还款时间段对应的还款信息。
在其中一个实施例中，处理器执行计算机可读指令时还执行以下步骤：扫描消费凭据，获取消费项目和对应的消费金额；及将消费项目和对应的消费金额进行记录。
一个或多个存储有计算机可读指令的非易失性计算机可读存储介质，计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行以下步骤：获取家庭成员的税前工资，根据税前工资计算对应的税后工资；获取贷款信息，根据贷款信息计算还款金额；记录税后工资、还款金额以及消费金额；及获取多种理财信息，根据税后工资、还款金额、消费金额以及理财信息测算对应的理财收益。
在其中一个实施例中，计算机可读指令被处理器执行时还执行以下步骤：获取理财关键字，根据理财关键字对多种理财信息进行筛选；及将筛选出的理财信息进行展示。
在其中一个实施例中，计算机可读指令被处理器执行时还执行以下步骤：获取理财信息对应的浏览记录，根据浏览记录提取理财关键字；及根据理财关键字对多种理财信息进行筛选；将筛选出的理财信息进行展示。
在其中一个实施例中，计算机可读指令被处理器执行时还执行以下步骤：获取开始还款日期、利率修改日期以及提前还款日期，利用开始还款日期、利率修改日期以及提前还 款日期计算对应的还款时间段；及利用还款时间段和还款时间段对应的贷款利率分别计算不同还款时间段对应的还款信息。
在其中一个实施例中，计算机可读指令被处理器执行时还执行以下步骤：扫描消费凭据，获取消费项目和对应的消费金额；及将消费项目和对应的消费金额进行记录。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机可读指令来指令相关的硬件来完成，所述的计算机可读指令可存储于一非易失性计算机可读取存储介质中，该计算机可读指令在执行时，可包括如上述各方法的实施例的流程。其中，本申请所提供的各实施例中所使用的对存储器、存储、数据库或其它介质的任何引用，均可包括非易失性和/或易失性存储器。非易失性存储器可包括只读存储器(ROM)、可编程ROM(PROM)、电可编程ROM(EPROM)、电可擦除可编程ROM(EEPROM)或闪存。易失性存储器可包括随机存取存储器(RAM)或者外部高速缓冲存储器。作为说明而非局限，RAM以多种形式可得，诸如静态RAM(SRAM)、动态RAM(DRAM)、同步DRAM(SDRAM)、双数据率SDRAM(DDRSDRAM)、增强型SDRAM(ESDRAM)、同步链路(Synchlink)DRAM(SLDRAM)、存储器总线(Rambus)直接RAM(RDRAM)、直接存储器总线动态RAM(DRDRAM)、以及存储器总线动态RAM(RDRAM)等。
以上所述实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本申请的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本申请构思的前提下，还可以做出若干变形和改进，这些都属于本申请的保护范围。因此，本申请专利的保护范围应以所附权利要求为准。

Claims (20)

  1. 一种家庭财务管理系统，包括：
    工资模块，用于获取家庭成员的税前工资，根据所述税前工资计算对应的税后工资，将所述税后工资发送至记账模块；
    还款模块，用于获取贷款信息，根据所述贷款信息计算还款金额，将所述还款金额发送至记账模块；
    记账模块，用于记录税后工资、还款金额以及消费金额；及
    理财模块，用于获取多种理财信息，根据所述税后工资、还款金额、消费金额以及理财信息测算对应的理财收益。
  2. 根据权利要求1所述的系统，其特征在于，所述还款模块还用于获取开始还款日期、利率修改日期以及提前还款日期，利用所述开始还款日期、所述利率修改日期以及所述提前还款日期计算对应的还款时间段，利用所述还款时间段和还款时间段对应的贷款利率分别计算不同还款时间段对应的还款信息。
  3. 根据权利要求1所述的系统，其特征在于，所述理财模块还用于获取预设的理财关键字，根据所述理财关键字对多种理财信息进行筛选，将筛选出的理财信息进行展示。
  4. 根据权利要求1所述的系统，其特征在于，所述理财模块还用于获取浏览记录，根据所述浏览记录提取理财关键字，根据所述理财关键字对多种理财信息进行筛选，将筛选出的理财信息进行展示。
  5. 根据权利要求1所述的系统，其特征在于，所述记账模块还用于扫描消费凭据，获取消费项目和对应的消费金额，将所述消费项目和对应的消费金额进行记录。
  6. 根据权利要求1所述的系统，其特征在于，所述系统还包括笔记模块，用于记录多种账号、对应的提示密码以及密码字典，通过所述密码字典查询到所述提示密码对应的真实密码。
  7. 一种家庭财务管理方法，包括：
    获取家庭成员的税前工资，根据所述税前工资计算对应的税后工资；
    获取贷款信息，根据所述贷款信息计算还款金额；
    记录税后工资、还款金额以及消费金额；及
    获取多种理财信息，根据所述税后工资、还款金额、消费金额以及理财信息测算对应的理财收益。
  8. 根据权利要求7所述的方法，其特征在于，所述方法还包括：
    获取开始还款日期、利率修改日期以及提前还款日期，利用所述开始还款日期、所述利率修改日期以及所述提前还款日期计算对应的还款时间段；及
    利用所述还款时间段和还款时间段对应的贷款利率分别计算不同还款时间段对应的还款信息。
  9. 根据权利要求7所述的方法，其特征在于，所述方法还包括：
    获取理财关键字，根据所述理财关键字对多种理财信息进行筛选；及
    将筛选出的理财信息进行展示。
  10. 根据权利要求7所述的方法，其特征在于，所述方法还包括：
    获取浏览记录，根据所述浏览记录提取理财关键字；
    根据所述理财关键字对多种理财信息进行筛选，将筛选出的理财信息进行展示。
  11. 根据权利要求7所述的方法，其特征在于，所述方法还包括：
    扫描消费凭据，获取消费项目和对应的消费金额；
    将所述消费项目和对应的消费金额进行记录。
  12. 根据权利要求7所述的方法，其特征在于，所述方法还包括：
    记录多种账号、对应的提示密码以及密码字典；
    通过所述密码字典查询到所述提示密码对应的真实密码。
  13. 一种终端，包括存储器及一个或多个处理器，所述存储器中储存有计算机可读指令，所述计算机可读指令被所述一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
    获取家庭成员的税前工资，根据所述税前工资计算对应的税后工资；
    获取贷款信息，根据所述贷款信息计算还款金额；
    记录税后工资、还款金额以及消费金额；及
    获取多种理财信息，根据所述税后工资、还款金额、消费金额以及理财信息测算对应的理财收益。
  14. 根据权利要求13所述的终端，其特征在于，所述处理器执行所述计算机可读指令时还执行以下步骤：
    获取开始还款日期、利率修改日期以及提前还款日期，利用所述开始还款日期、所述利率修改日期以及所述提前还款日期计算对应的还款时间段；及
    利用所述还款时间段和还款时间段对应的贷款利率分别计算不同还款时间段对应的还款信息。
  15. 根据权利要求13所述的终端，其特征在于，所述处理器执行所述计算机可读指令时还执行以下步骤：
    获取理财关键字，根据所述理财关键字对多种理财信息进行筛选；及
    将筛选出的理财信息进行展示。
  16. 根据权利要求13所述的终端，其特征在于，所述处理器执行所述计算机可读指令时还执行以下步骤：
    获取浏览记录，根据所述浏览记录提取理财关键字；及
    根据所述理财关键字对多种理财信息进行筛选，将筛选出的理财信息进行展示。
  17. 一个或多个存储有计算机可读指令的非易失性计算机可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
    获取家庭成员的税前工资，根据所述税前工资计算对应的税后工资；
    获取贷款信息，根据所述贷款信息计算还款金额；
    记录税后工资、还款金额以及消费金额；及
    获取多种理财信息，根据所述税后工资、还款金额、消费金额以及理财信息测算对应的理财收益。
  18. 根据权利要求17所述的存储介质，其特征在于，所述计算机可读指令被所述处理器执行时还执行以下步骤：
    获取开始还款日期、利率修改日期以及提前还款日期，利用所述开始还款日期、所述利率修改日期以及所述提前还款日期计算对应的还款时间段；及
    利用所述还款时间段和还款时间段对应的贷款利率分别计算不同还款时间段对应的还款信息。
  19. 根据权利要求17所述的存储介质，其特征在于，所述计算机可读指令被所述处理器执行时还执行以下步骤：
    获取理财关键字，根据所述理财关键字对多种理财信息进行筛选；及
    将筛选出的理财信息进行展示。
  20. 根据权利要求17所述的存储介质，其特征在于，所述计算机可读指令被所述处理器执行时还执行以下步骤：
    获取浏览记录，根据所述浏览记录提取理财关键字；及
    根据所述理财关键字对多种理财信息进行筛选，将筛选出的理财信息进行展示。
PCT/CN2018/087415 2017-07-26 2018-05-18 家庭财务管理系统、方法、终端和存储介质 WO2019019779A1 (zh)

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