Detailed description of the invention
Refering to shown in Fig. 1, be finance account assets information analysis and Control system preferred embodiment of the present invention be
System Organization Chart.Finance account assets information analysis and Control system 10 of the present invention can run on electronic equipment 1,
In the portable electric appts such as smart mobile phone, panel computer, notebook computer, personal digital assistant, or
In the desktop type electronic equipments such as person's PC, financial service terminal.Described electronic equipment 1 can be provided with
Window operating system, Android operation system, iOS operating system, symbian operating system etc. are any
The operating system of type.
Described electronic equipment 1 can include storing device 11, controlling device 12 and input/output unit 13.
It will be understood by a person skilled in the art that electronic equipment 1 can also include miscellaneous part, and be not limited to Fig. 1
Shown in.The asset management system 10, storage device 11, control device 12 and input in electronic equipment 1
Output device 13 can carry out communication by system bus.
Described storage device 11 can be one or more nonvolatile memory, such as ROM, EPROM
Or Flash Memory (flash memory) etc..Described storage device 11 can be built-in or be external in electronics
Equipment 1.
Described control device 12 is arithmetic core (Core) and the control core (Control of electronic equipment 1
Unit), it can be the central processing unit of electronic equipment 1, for explain the instruction in electronic equipment 1 and
Process the software data in electronic equipment 1.
Described input/output unit 13 can include input equipment and outut device.Described input equipment is used for
Input data and information to electronic equipment 1, be the bridge that communicates with user 3 or other equipment of electronic equipment 1,
Defeated including keyboard, mouse, photographic head, scanner, light pen, writing input board, joystick and/or voice
Enter device etc..Described outut device is a kind of parts that user 3 is mutual with electronic equipment 1, for data
Output, shows various calculation result data or information with forms such as numeral, character, image, sound,
Including display, printer, drawing apparatus, image output system, voice output system, magnetic recording equipment etc..
Described finance account assets information analysis and Control system 10 includes the executable program code of computer, should
Program code can be stored in described storage device 11, by the execution of described control device 12, it is achieved
Management to the personal asset situation of user 3, can allow user 3 understand the assets of individual at a glance
Situation.
The personal asset of user 3 of the present invention is it may is that from one or more financial server 2
Obtain.One or more financial server 2 can be the service platform system of each bank, in it
Record has all of condition of assets of user 3, as saved, manage money matters, insure, providing a loan, the shape such as credit facility
Condition.Wherein, described savings, managing money matters and insure the positive assets that can be referred to as user 3, loan and credit are saturating
Prop up the negative assets that can be referred to as user 3.
The program code of described finance account assets information analysis and Control system 10, can according to its different function
To be divided into multiple functional module.As in figure 2 it is shown, described finance account assets information analysis and Control system 10
Acquisition module 100 can be included, analyze module 101, warning module 102 and display module 103.
Described acquisition module 101 is for obtaining the personal asset situation of user 3 from financial server 2.As
Upper described, described Assets includes positive assets and/or negative assets.Described positive assets include, such as savings, reason
The Asset Type such as wealth and insurance.Described negative assets include the Asset Types such as loan and credit facility.This enforcement institute
State the asset management system 10 and can also include an initialization module (not shown), for receiving at the beginning of user
Beginningization is arranged, such as the essential information of user, such as user name, password, Real Name, ID (identity number) card No. etc..
Further, all right login module (not shown) of the described asset management system of this enforcement 10, it is used for
Receive user name and the password of user 3 input.When user name and password are all correct when, described acquisition mould
Block 101 can obtain use according to information such as the Real Name of user, ID (identity number) card No. from financial server 2
All personal asset situations at family 3.
Described analysis module 101 is for analyzing described positive assets and/or the situation of negative assets, according to analysis result
Align each Asset Type in assets and/or negative assets and carry out figure deploying to generate Assets Analyst figure.This
In embodiment, described analysis includes the total value calculating positive assets and negative assets, calculates the total assets of user (i.e.
Positive assets and negative assets and), calculate in positive assets and/or negative assets, it is total that each Asset Type accounts for positive assets
Volume or the percentage ratio of negative assets total value.Such as, calculate savings, manage money matters and insurance etc. accounts for positive total assets respectively
Percentage ratio, and loan and credit facility etc. account for the percentage ratio of negative assets total value respectively.Described analysis module
101 according to the positive assets calculated and/or the total value of negative assets, and each Asset Type accounts for and just provide
Produce total value or the percentage ratio of negative assets total value, described positive assets and/or negative assets are carried out figure deploying with life
Become described Assets Analyst figure.As shown in Fig. 5 A and 5B, described Assets Analyst figure can be block diagram,
And as shown in Figure 6, described Assets Analyst figure can also be ring-type figure.Those skilled in the art should
Solving, described Assets Analyst figure can also be other any suitable figures.
When aligning assets and/or negative assets carry out figure deploying, described analysis module 101 can compare described
The total value of positive assets and the total value of negative assets, by side's deploying big for amount at the of described Assets Analyst figure
One position, by side's deploying little for amount in the second position of described Assets Analyst figure.Described primary importance
The position kept left in block diagram as shown in Figure 5A, the as shown in Figure 5 B position of block diagram middle and upper part, such as Fig. 6
The outer shroud etc. of shown ring-type figure.The position kept right in described second position block diagram as shown in Figure 5A, such as figure
The position of block diagram middle and lower part shown in 5B, the internal ring etc. of the most ring-type figure.
Further, when aligning assets and/or negative assets carry out figure deploying, described analysis module 101 is also
Positive assets or the percentage ratio of negative assets total value can be accounted for, according to each assets class according to each Asset Type
The predetermined threshold value of type, is shown as different length by each Asset Type at described default Assets Analyst figure
Degree and color.The length that each Asset Type shows at described default Assets Analyst figure just accounts for it
The percentage ratio of assets or negative assets total value is directly proportional.Such as, for a conservative user 3, can be preset in
In positive assets, the percentage ratio of savings is greater than or equal to 50%, and the percentage ratio of insurance is greater than or equal to
30%, and the percentage ratio of investment is less than or equal to 20%.Such as, for a radical type user 3, can
To be preset in positive assets, the percentage ratio of savings is less than or equal to 30%, the percentage ratio of insurance is greater than
Or equal to 30%, and the percentage ratio of investment is greater than or equal to 40% etc..Judge when analyzing module 101
A certain item Asset Type accounts for the percentage ratio predetermined threshold value less than its correspondence of positive total assets or negative assets total value
Time, this Asset Type can be shown as the first color, such as yellow in described default Assets Analyst figure.
Judge that the percentage ratio that a certain item Asset Type accounts for positive total assets or negative assets total value is more than when analyzing module 101
During the predetermined threshold value of its correspondence, this Asset Type can be shown as in described default Assets Analyst figure
Second color, such as redness.Judge that a certain item Asset Type accounts for positive total assets or negative money when analyzing module 101
When the percentage ratio of product total value is in the predetermined threshold value of its correspondence, this Asset Type divides in described default assets
Analysis figure can be shown as the 3rd color, such as blueness.
In other embodiments of the invention, described each Asset Type is at described default Assets Analyst figure
Shape can have fixing color, and the percentage ratio accounting for positive total assets or negative assets total value regardless of it is right with it
The relation of the default threshold answered.Savings as described in default Assets Analyst figure is fixing is shown as blue, financing
Described default Assets Analyst figure fix shown in green, insurance at described default Assets Analyst figure
Fix and be shown as yellow, loan fixes shown in red, credit facility at described default Assets Analyst figure
It is shown as orange etc. described default Assets Analyst figure is fixing.
Described warning module 102 is for according to analyzing module 101 to described positive assets and/or negative assets situation
Analysis result, provides early warning, and the asset-liabilities such as user are the most excellent.As when the sum of positive assets and negative assets
During equal to or more than the first predetermined threshold value, it is judged that asset-liabilities are excellent;Positive assets invest amount be equal to
Or during less than savings amount the second predetermined threshold value, it is judged that asset management is excellent;Positive assets and negative assets
With during less than the first predetermined threshold value, it is judged that asset-liabilities are bad;Positive assets invest amount and exceeds volume of savings
When spending the second predetermined threshold value, it is judged that asset management is bad.
Described display module 103 may be used for by described input/output unit 13 export described in align assets and
/ or negative assets carry out the Assets Analyst figure that generates after figure deploying, as shown in Fig. 5 A, 5B and Fig. 6,
Export above-mentioned early warning, export the detail of positive assets and/or negative assets, as shown in Figure 7.
Additionally, the described asset management system of this enforcement 10 can also include that arranges a module, it is used for arranging aobvious
Show the display content of the required display of module 103.Finance account assets information analysis and Control system as described in be arranged on
System 10 is unlocked and after user have input correct user name and encrypted message runs, by described assets
Analyzed pattern has the time of several seconds clearly to show in homepage, fades out in proper order.Described Assets Analyst figure
Within the of short duration time that homepage shows clicked after, asset page can be entered thus long-term;Or directly
Entering asset page, Assets Analyst figure will the most clearly show.
Refering to shown in Fig. 3, it it is the reality of finance account assets information control and analysis preferred embodiment of the present invention
Execute flow chart.Described in the present embodiment, finance account assets information control and analysis is not limited in flow chart institute
Showing step, in addition shown in flow chart in step, some step can be omitted, order between step is permissible
Change.
Step S300, acquisition module 101 obtains the personal asset situation of user 3 from financial server 2,
Such as positive assets, including savings, manage money matters and the Asset Type such as insurance, and/or negative assets, including loan and credit
The Asset Types such as overdraw.
Originally step can also be included before being implemented in step S300: receive the basic letter that user is arranged when registration
Breath, such as information such as user name, password, Real Name, ID (identity number) card No.;Believe in described finance account assets
Breath analysis and Control system 10 when being unlocked, show one login interface, receive user name that user 3 inputs and
Encrypted message.When user name and password are all correct when, described acquisition module 101 can be according to user's
The information such as Real Name, ID (identity number) card No. obtains all personal asset feelings of user 3 from financial server 2
Condition.
Step S301, analyzes module 101 and analyzes described positive assets and/or negative assets situation, according to analysis result
Align each Asset Type in assets and/or negative assets and carry out figure deploying to generate Assets Analyst figure.This
In embodiment, described analysis can include, but not limited to calculate the total value of positive assets and negative assets, calculates
The total assets (i.e. positive assets and the sum of negative assets) of user, calculate in positive assets and/or negative assets, Mei Yixiang
Asset Type accounts for positive total assets or the percentage ratio of negative assets total value.Such as, calculate savings, manage money matters and insure
Deng accounting for the percentage ratio of positive total assets respectively, and loan and credit facility etc. account for the hundred of negative assets total value respectively
Proportion by subtraction.Described analysis module 101 is according to the positive assets calculated and/or the total value of negative assets, and often
One Asset Type accounts for positive total assets or the percentage ratio of negative assets total value, to described positive assets and/or negative assets
Carry out figure deploying, to generate described Assets Analyst figure.As shown in Fig. 5 A and 5B, described Assets Analyst
Figure can be block diagram, and as shown in Figure 6, described Assets Analyst figure can also be ring-type figure.This
Skilled person is it should be appreciated that described Assets Analyst figure can also be other any suitable figures.Step
The detailed process of rapid S301 can be refering to shown in following Fig. 4.
Step S302, warning module 102 is tied according to the above-mentioned analysis to described positive assets and/or negative assets situation
Really, providing early warning, the asset-liabilities such as user are the most excellent.As when positive assets and negative assets and equal to or
When person is more than the first predetermined threshold value, it is judged that asset-liabilities are excellent;Positive assets invest amount be equal to or low
In time saving amount the second predetermined threshold value, it is judged that asset management is excellent;Positive assets and negative assets and be less than
During the first predetermined threshold value, it is judged that asset-liabilities are bad;Positive assets are invested amount and exceeds savings amount second
During predetermined threshold value, it is judged that asset management is bad.
Step S303, display module 103 by described input/output unit 13 export described in align assets and/
Or negative assets carry out the Assets Analyst figure that generates after figure deploying, as shown in Fig. 5 A, 5B and Fig. 6, defeated
Go out above-mentioned early warning, export the detail of positive assets and/or negative assets, as shown in Figure 7.
Refering to shown in Fig. 4, it it is the refinement flow chart of step S301 in Fig. 3.
Step S400, described analysis module 101 calculates positive assets and the total value of/negative assets, calculates the money of user
Producing total value (sums of i.e. positive negative assets), calculate in positive assets and/or negative assets, each Asset Type accounts for and just provides
Produce total value and the percentage ratio of negative assets total value.
Step S401, described analysis module 101 relatively described positive total assets and the total value of negative assets, by volume
Spend the big side's deploying primary importance at described Assets Analyst figure, by side's deploying little for amount described
The second position of Assets Analyst figure.The position kept left in described primary importance block diagram as shown in Figure 5A, as
The position of block diagram middle and upper part shown in Fig. 5 B, the outer shroud etc. of the most ring-type figure.The described second position is such as
The position kept right in block diagram shown in Fig. 5 A, the as shown in Figure 5 B position of block diagram middle and lower part, such as Fig. 6 institute
Show the internal ring etc. of ring-type figure.
Step S402, described analysis module 101 accounts for positive assets or negative assets total value according to each Asset Type
Percentage ratio, according to the predetermined threshold value of each Asset Type, by each Asset Type described default
Assets Analyst figure is shown as different length and color.Each Asset Type is in described default assets
The length that analyzed pattern shows accounts for the percentage ratio of positive assets or negative assets total value and is directly proportional to it.Such as, for
One conservative user 3, can be preset in positive assets, and the percentage ratio of savings is greater than or equal to 50%,
The percentage ratio of insurance is greater than or equal to 30%, and the percentage ratio of investment is less than or is equal to 20%.Example
As, for a radical type user 3, can be preset in positive assets, the percentage ratio of savings be less than or etc.
In 30%, the percentage ratio of insurance is greater than or equal to 30%, and the percentage ratio of investment is greater than or equal to
40% etc..Judge that the percentage ratio that a certain item Asset Type accounts for positive assets or negative assets total value is little when analyzing module 101
When the predetermined threshold value of its correspondence, this Asset Type can show in described default Assets Analyst figure
It is the first color, such as yellow.Judge that a certain item Asset Type accounts for positive assets or negative assets when analyzing module 101
When the percentage ratio of total value is more than the predetermined threshold value of its correspondence, this Asset Type is at described default Assets Analyst
Figure can be shown as the second color, such as redness.Judge that a certain item Asset Type accounts for when analyzing module 101
When the percentage ratio of positive assets or negative assets total value is in the predetermined threshold value of its correspondence, this Asset Type is described
The Assets Analyst figure preset can be shown as the 3rd color, such as blueness.
In other embodiments of the invention, described each Asset Type is at described default Assets Analyst figure
Shape can have fixing color, and the percentage ratio accounting for positive assets or negative assets total value regardless of it is corresponding
Preset the relation of threshold.Savings as described in default Assets Analyst figure is fixing is shown as blue, financing in institute
State default Assets Analyst figure fix shown in green, insurance fix at described default Assets Analyst figure
Be shown as yellow, loan fixes shown in red, credit facility in institute at described default Assets Analyst figure
State that default Assets Analyst figure is fixing is shown as orange etc..
Further, this enforcement can also include a setting steps, with the display content of setting steps S303.
As described in be arranged on, finance account assets information analysis and Control system 10 is unlocked and have input correctly user
User name and after encrypted message runs, have time of several seconds clear in homepage in described Assets Analyst figure
Display, fades out in proper order.Described Assets Analyst figure within the of short duration time that homepage shows clicked it
After, asset page can be entered thus long-term;Or being directly entered asset page, Assets Analyst figure will
Long-term clear display.
It should be noted last that, above example only in order to technical scheme to be described and unrestricted,
Although being described in detail the present invention with reference to preferred embodiment, those of ordinary skill in the art should manage
Solve, technical scheme can be modified or equivalent, without deviating from technical solution of the present invention
Spirit and scope.