Money Data early warning system
Technical field
The present invention relates to financial management technical fields, and in particular to Money Data early warning system.
Background technique
With the high speed development of digital information technology, many conveniences are brought to the social life of people, such as people can
It is a large amount of existing without carrying to complete payment by the ideal money in bank card using after handset binding bank card
Gold, however for the personnel of wage-earners, though it is convenient and efficient by way of dummy payments in mobile phone, but very
It is easy that people is made to neglect the cost situation of oneself, is even more than the of that month amount of wages so as to cause the cost of sometimes people
Degree.
Although being both provided with payment detail management in current some common payment platforms, present payment platform is got over
Come more, people can select to use different payment platforms, therefore when a personal use multiple according to itself purchasing demand
Platform is paid when being paid, the payment detail of single payment platform statistics just seems very inaccurate, and either provides now
Gold management platform or payment platform all cannot remind people to pay attention to managing oneself after the income that people spend certain amount
Expenditure avoids expenditure excess.
Summary of the invention
The purpose of the present invention is to provide a kind of Money Data early warning systems, solve present payment platform or capital management
Platform can not remind people to pay attention to managing the expenditure of oneself after the income that people spend certain amount, avoid expenditure excess
The problem of.
In order to solve the above technical problems, base case provided by the invention is as follows:
Money Data early warning system, including client terminal and server, client terminal include bank card binding module, the amount of money
It copies module and display module, server includes third party's interface module, computing module, judgment module and pushing module;
Bank card binding module, which is used to bind the wage bank card of client and can recognize that in wage bank card, monthly arrives account
The wage amount of money;
Amount of money copy module is for obtaining the wage value data for monthly arriving account in wage bank card and generating value data
Information;
Third party's interface module is used for and Third-party payment platform establishes connection, and is obtained personal in Third-party payment platform
Payment information;
Computing module is used to transfer value data information and transfers personal payment information from third party's interface module, and
Calculate the remaining amount of money, and generate moon balance information, wherein the moon balance information=value data information-payment information;
Judgment module is preset with early warning amount of money threshold information, and judgment module is for transferring moon balance information and a month remaining sum letter
Breath is compared with early warning amount of money threshold information, judges whether moon balance information is less than early warning amount of money threshold information, if moon remaining sum
Information is less than early warning amount of money threshold information and then generates warning information;
Pushing module is used to the warning information that judgment module generates be pushed to the display module of client terminal;
Display module is for showing warning information.
The present invention has the advantages that binding wage bank card by bank card binding module, establishes and connect with wage bank card
The wage amount of money for monthly arriving account is connect and can be recognized, the wage amount of money number for monthly arriving account can be got by amount of money copy module
According to and generate value data information, the personal payment in Third-party payment platform can be got by third party's interface module
Information can calculate a moon balance information by computing module, the moon balance information=value data information-payment information, judgement
Module is equipped with early warning amount of money threshold information, can judge whether moon balance information is less than early warning amount of money threshold value letter by judgment module
Breath, warning information is pushed to client terminal and checked for client by pushing module if being less than, and reminds consumer attention by this method certainly
Oneself branch artificial situation avoids expenditure excess, and one can not be spent in people by solving present payment platform or capital management platform
After the income of quota degree, people is reminded to pay attention to managing the expenditure of oneself, avoids the problem that expenditure excess.
Further, third party's interface module is also used to establish connection with finance and money management platform, and obtains finance and money management platform
The avail information and loss information of middle individual;
Computing module is also used to transfer personal avail information and loss information, computing module from third party's interface module
The moon balance information=value data information-payment information-loss information+avail information of generation.
Connection is established by third party's interface module and finance and money management platform, and it is flat timely to get finance and money management
Personal avail information and loss information in platform, using investment and financing products also as a part of personal income, by calculating mould
The calculated moon balance information of block contains the income and loss of finance product, and more than the moon of individual can be determined more accurately out
Volume information.
Further, early warning amount of money threshold information includes three-level amount of money threshold information, second level amount of money threshold information and level-one gold
Volume threshold information;
Three-level amount of money threshold information is the half of value data information;
Second level amount of money threshold information is 2/3rds of value data information;
Level-one amount of money threshold information is zero;
Warning information includes three-level warning information, second level warning information and level-one warning information;
Judgment module generates three-level warning information after moon balance information is less than three-level amount of money threshold information, believes in moon remaining sum
Breath generates second level warning information after being less than second level amount of money threshold information, raw after moon balance information is less than level-one amount of money threshold information
At level-one warning information.
By the way that warning information is divided into three more accurate grades, judgment module can judge personal present remaining sum
It is in the grade of which early warning, enables a customer to the branch artificial situation for timely adjusting oneself according to warning information, and lead to
Early warning strong time by time is crossed, so that people is generated a kind of urgent psychology, people is promoted to manage the expenditure of oneself
Situation.
Further, three-level warning information, second level warning information and level-one warning information be respectively " monthly salary only remain two/
One ", " monthly salary only remains one third " and " monthly salary has been used up ".
By this method, by informing the remaining proportion of client's monthly salary, client can be allowed more intuitive and accurately understanding
To the economic situation of oneself.
Further, client terminal further includes identifying code generation module, login authentication module and login judgment module;
Identifying code generation module is used to generate dynamic verification code information according to moon balance information;
Login authentication module is used to fill in dynamic verification code when logging in client terminal for client, and generates verification information;
Log in judgment module be used to judge digit in verification information that client fills in more than kilobit and kilobit whether and it is dynamic
Digit more than kilobit and kilobit in state verification code information is consistent, and client terminal is entered if consistent.
By the way that moon balance information is set as to log in the dynamic verification code of client terminal, only input correctly just can enter client
Terminal plays the effect for promoting client to remember oneself balance information the moon, and only judge dynamically due to logging in judgment module
The thousands digit of identifying code and the correctness of digit more than kilobit, therefore client is also facilitated to remember oneself moon balance information,
If client does not remember, can also by simple trial and error mode, eventually by verifying, and if client do not remember the moon of oneself
Balance information when filling in dynamic verification code by way of trial and error, has also deepened client for oneself balance information the moon
Understand, to achieve the purpose that client is reminded to remember oneself balance information the moon.
Further, the server further includes amount of money limitation management module;
Amount of money limitation management module is used to limit the available amount for the wage amount of money that account is monthly arrived in wage bank card.
Module is limited by the amount of money, the available amount for monthly arriving the wage amount of money of account in wage bank card can be limited, is helped
The property of customer account management oneself.
Further, the amount of money limitation management module can use volume by way of limiting the percentage of the wage amount of money to determine
Degree.
By this method, if client's wage is floated, the percentile calculated available amount of mode, compared to restriction
The mode of the available amount of Flat Amount seems more rationally, such as client's pay rise, the available amount calculated in percentage terms
Also it accordingly increases, without immobilizing.
Further, described to log in the verification information errors number and generation error that judgment module is also used to judge that client fills in
Number information, the amount of money limitation management module, which is also used to be reduced according to errors number information, can use the hundred of amount in the wage amount of money
Divide ratio.
By this method, if client logs in dynamic verification code error, it was demonstrated that he is not familiar with the moon balance information of oneself, and golden
Volume limitation management module can reduce the percentage that amount can be used in the wage amount of money according to client's errors number information, input client by mistake
Corresponding cost is once just paid, and this cost is exactly to reduce the percentage that can use amount, watchful client can remember oneself
Moon balance information, oneself good branch of management has troubles, and reduces the available amount of client, also means that and increases it
The quantity saved can also play the effect for assisting client to save.
Further, the server further includes step number statistical module and amount limitation cancellation module;
Step number statistical module for counting personal walking step number daily;
Amount limits cancellation module and is equipped with initial step threshold and step number incremental value, and amount limits cancellation module and is used for a
After the walking step number of people is greater than initial step threshold, often more than one time step number incremental value is increased by once available volume to step number thereafter
The percentage of degree.
By the daily walking step number of the statistics available individual of step number statistical module, cancellation module is limited by amount, in individual
Walking step number reach initial step threshold after, often more than one time step number incremental value is increased by once available amount to step number thereafter
Percentage can both enable client for its use when wanting using money other than amount, while can also by this method
Reinforce the exercise of client's body, and the cost of watchful consumer attention oneself.
Detailed description of the invention
Fig. 1 is the schematic block diagram of Money Data early warning system embodiment of the present invention.
Specific embodiment
It is further described below by specific embodiment:
Embodiment is substantially as shown in Fig. 1: Money Data early warning system, including client terminal and server, client terminal
Sentence including bank card binding module, amount of money copy module, display module, identifying code generation module, login authentication module and login
Disconnected module, server include third party's interface module, computing module, judgment module, pushing module, amount of money limitation management module,
Step number statistical module and amount limit cancellation module.
Bank card binding module, which is used to bind the wage bank card of client and can recognize that in wage bank card, monthly arrives account
The wage amount of money.
Amount of money copy module is for obtaining the wage value data for monthly arriving account in wage bank card and generating value data
Information.
Third party's interface module is used for and Third-party payment platform establishes connection and establishes connection with finance and money management platform,
And obtain avail information and loss letter personal in payment information and finance and money management platform personal in Third-party payment platform
Breath.
Computing module is used to transfer value data information and transfers personal payment information from third party's interface module, receives
Beneficial information and loss information, and calculate the remaining amount of money, and generate moon balance information, wherein the moon balance information=amount of money number
It is believed that breath-payment information-loss information+avail information.
Judgment module is preset with early warning amount of money threshold information, early warning amount of money threshold information include three-level amount of money threshold information,
Second level amount of money threshold information and level-one amount of money threshold information.
Three-level amount of money threshold information is the half of value data information.
Second level amount of money threshold information is 2/3rds of value data information.
Level-one amount of money threshold information is zero.
Judgment module is sentenced for transferring moon balance information and month balance information being compared with early warning amount of money threshold information
Whether disconnected moon balance information is less than early warning amount of money threshold information, generates early warning if balance information is less than early warning amount of money threshold information
Information, warning information include three-level warning information, second level warning information and level-one warning information.Judgment module is in moon balance information
Less than three-level warning information is generated after three-level amount of money threshold information, generated after moon balance information is less than second level amount of money threshold information
Second level warning information, the generation level-one warning information after moon balance information is less than level-one amount of money threshold information, three-level warning information,
Second level warning information and level-one warning information be respectively " monthly salary only remains half ", " monthly salary only remains one third " and
" monthly salary has been used up ".
Pushing module is used to the warning information that judgment module generates be pushed to the display module of client terminal.
Display module is for showing warning information.
Client terminal further includes identifying code generation module, login authentication module and logs in judgment module, and server further includes
Amount of money limitation management module.
Amount of money limitation management module is used to limit the available amount for the wage amount of money that account is monthly arrived in wage bank card, can
90 the percent of the wage amount of money is set as with amount.
Identifying code generation module is used to generate dynamic verification code information according to moon balance information.
Login authentication module is used to fill in dynamic verification code when logging in client terminal for client, and generates verification information.
Log in judgment module be used to judge digit in verification information that client fills in more than kilobit and kilobit whether and it is dynamic
Digit more than kilobit and kilobit in state verification code information is consistent, client terminal is entered if consistent, and log in judgement mould
Block is also used to judge the verification information errors number that client fills in and generation error number information.
Amount of money limitation management module is also used to reduce the percentage that can use amount in the wage amount of money according to errors number information,
The centesimal percentage point of amount can be used by reducing if input error once.
Server further includes step number statistical module and amount limitation cancellation module.
Step number statistical module for counting personal walking step number daily.
Amount limits cancellation module and is equipped with initial step threshold and step number incremental value, and amount limits cancellation module and is used for a
After the walking step number of people is greater than initial step threshold, often more than one time step number incremental value is increased by once available volume to step number thereafter
The percentage of degree.Wherein initial step threshold is 15,000 steps, and step number incremental value is 1,000 steps, big in personal walking step number
After Yu Yiwan step, often more than one time 1,000 steps are increased by centesimal available amount to step number thereafter.
The specifically used scene of the Money Data early warning system embodiment:
In the first login Money Data early warning system, does not have to input identifying code, the system can be directly entered, into system
After system, by the personal wage bank card of bank card binding module binding, after wage bank card binding, bank card binding module is just
It can recognize the wage amount of money that account is monthly arrived in wage bank card, amount of money copy module can obtain every in wage bank card at this time
Month to account wage value data and generate value data information, and by third party's interface module authorization Third-party payment put down
Platform and finance and money management platform, enable third party's interface module to establish connection with Third-party payment platform and finance and money management platform,
And get avail information and loss personal in payment information and finance and money management platform personal in Third-party payment platform
Information.
Value data information can be transferred finally by computing module and personal branch is transferred from third party's interface module
Pay information, avail information and loss information, and calculate the remaining amount of money, and generate a moon balance information, the moon balance information=gold
Volume data information-payment information-loss information+avail information.
After computing module calculates, judgment module can transfer moon balance information and month balance information and judging mould
The preset early warning amount of money threshold information of block is compared, and judges whether moon balance information is less than early warning amount of money threshold information,
Warning information is generated if balance information is less than early warning amount of money threshold information.
Since warning information includes three-level warning information, second level warning information and level-one warning information, early warning amount of money threshold value
Information includes three-level amount of money threshold information, second level amount of money threshold information and level-one amount of money threshold information, wherein three-level amount of money threshold value
Information is the half of value data information, and second level amount of money threshold information is 2/3rds of value data information, level-one gold
Volume threshold information is zero, therefore judgment module generates three-level early warning letter after moon balance information is less than three-level amount of money threshold information
Breath generates second level warning information after moon balance information is less than second level amount of money threshold information, is less than level-one gold in moon balance information
Level-one warning information is generated after volume threshold information, three-level warning information, second level warning information and level-one warning information are respectively the " moon
Wage only remains half ", " monthly salary only remain one third " and " monthly salary has been used up ".
After warning information generates, the warning information that judgment module generates just is pushed to client terminal by pushing module
Display module show, checked for client, the monthly salary state of client oneself can be reminded by this method, be convenient for client root
The branch artificial situation for getting well oneself is timely managed according to current wage state, solves present payment platform or capital management platform
People can not be reminded to pay attention to managing the expenditure of oneself after the income that people spend certain amount, avoid asking for expenditure excess
Topic.
And when client carries out secondary login Money Data early warning system, identifying code generation module is just according to moon remaining sum
Information generates dynamic verification code information, and client fills in dynamic verification code by login authentication module, and generates verification information,
After the completion of filling in by login judgment module judge the digit in verification information that client fills in more than kilobit and kilobit whether and it is dynamic
Digit more than kilobit and kilobit in state verification code information is consistent, client terminal is entered if consistent, and judge that client fills out
The verification information errors number and generation error number information write.
Amount of money limitation management module fills in the errors number of dynamic verification code according to client at this time, and reducing can in the wage amount of money
With the percentage of amount, the centesimal percentage point of amount can be used by reducing if input error once.If client needs use can
When with wage other than amount, the upper limit that can use amount can be increased by way of increasing and moving step number, concrete mode be to lead to
The walking step number for crossing step number statistical module counts individual, is greater than amount and limits and be arranged in cancellation module in personal walking step number
After initial step threshold, the step number incremental value that step number thereafter is often arranged in more than one time amount limitation cancellation module is increased by
The percentage of primary available amount.Wherein initial step threshold is 15,000 steps, and step number incremental value is 1,000 steps, individual's
Step number of walking is greater than a Wan Buhou, and often more than one time 1,000 steps are increased by centesimal available amount to step number thereafter.With this
It is for its use when the money other than wanting using amount that mode can both enable client, while can also reinforce client's body
It takes exercise, and the cost of watchful consumer attention oneself.
What has been described above is only an embodiment of the present invention, and the common sense such as well known specific structure and characteristic are not made herein in scheme
Excessive description.It, without departing from the structure of the invention, can be with it should be pointed out that for those skilled in the art
Several modifications and improvements are made, these also should be considered as protection scope of the present invention, these all will not influence what the present invention was implemented
Effect and patent practicability.The scope of protection required by this application should be based on the content of the claims, in specification
The records such as specific embodiment can be used for explaining the content of claim.