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CN106875268B - Bank account information reminding method, server and terminal - Google Patents

Bank account information reminding method, server and terminal
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CN106875268B
CN106875268BCN201510926995.9ACN201510926995ACN106875268BCN 106875268 BCN106875268 BCN 106875268BCN 201510926995 ACN201510926995 ACN 201510926995ACN 106875268 BCN106875268 BCN 106875268B
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information
transaction
reminding
preset
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CN106875268A (en
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谢蕾
张庆明
曹慧玲
王建伟
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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Abstract

A bank account information reminding method comprises the following steps: when receiving account checking request information from a terminal, acquiring transaction information corresponding to the input account information; classifying the transaction information, and analyzing preset transaction information and transaction time of each preset transaction information; generating corresponding transaction reminding information for the transaction information of the preset type according to a preset reminding rule, and matching different types of transaction reminding information with different graphic icons; and displaying the transaction reminding information in the graphic icon style in a preset user interface displayed by display equipment of the terminal. The invention also provides a server and a terminal suitable for the method. The invention can play a role in providing early warning for customers.

Description

Bank account information reminding method, server and terminal
Technical Field
The invention relates to the technical field of financial services, in particular to a bank account information reminding method, a server and a terminal.
Background
At present, financial transaction records of financial companies generally show actually completed posting and posting information in a list form or a list with a time axis, and as shown in fig. 1, such transaction information only plays a role of information display, cannot give a client a meaningful information prompt in nature, and cannot play a role of early warning.
Disclosure of Invention
In view of the above, it is necessary to provide a method, a server, and a terminal for reminding bank account information by using different identifiers on a preset user interface, so as to simply and quickly implement early warning of user account information.
A bank account information reminding method comprises the following steps:
when receiving account checking request information from a terminal, acquiring transaction information corresponding to the input account information;
classifying the transaction information, and analyzing preset transaction information and transaction time of each preset transaction information;
generating corresponding transaction reminding information for the transaction information of the preset type according to a preset reminding rule, and matching different types of transaction reminding information with different graphic icons; and
and displaying the transaction reminding information in the graphic icon style in a preset user interface displayed by display equipment of the terminal.
Preferably, the transaction information includes information that an account has been transferred in and out and information that an account has been transferred out, and the information that an account is to be transacted includes a loan to be returned and a payment to be received.
Preferably, the preset types include transfer-in, transfer-out and withholding.
Preferably, the preset reminding rule includes:
if the transfer-out amount of the transfer-out type is greater than or equal to a first threshold value or the transfer-in amount of the transfer-in type is greater than or equal to a second threshold value, the transaction reminding information corresponding to the transaction information is matched with the first type of graphic icon;
if the roll-out amount of the roll-out type is smaller than a first threshold value or the roll-in amount of the roll-in type is smaller than a second threshold value, the transaction reminding information corresponding to the transaction information is matched with a second type of graphic icon;
and if the amount to be deducted on a certain date is more than or equal to the difference between the predicted amount of the current account and all the amounts to be deducted before the date, matching the transaction reminding information corresponding to the transaction information with a third graphic icon, wherein the predicted amount of the current account is the sum of the preset user interface user balance and all the amounts to be deducted before the date.
Preferably, the preset user interface comprises a calendar graphical interface or a notepad graphical interface.
Preferably, the calendar or notepad is a software program that runs solely on the terminal.
A server adapted for use in the above method, the server comprising a plurality of communication modules, a storage device, and a processor, wherein:
the storage device is used for storing a bank account information reminding system;
the processor is used for calling and executing the bank account information reminding system so as to execute the following steps:
when receiving account checking request information from a terminal, acquiring transaction information corresponding to the input account information;
classifying the transaction information, and analyzing preset transaction information and transaction time of each preset transaction information;
generating corresponding transaction reminding information for the transaction information of the preset type according to a preset reminding rule, and matching different types of transaction reminding information with different graphic icons; and
and displaying the transaction reminding information in the graphic icon style in a preset user interface displayed by display equipment of the terminal.
Preferably, the preset reminding rule includes:
if the transfer-out amount of the transfer-out type is greater than or equal to a first threshold value or the transfer-in amount of the transfer-in type is greater than or equal to a second threshold value, the transaction reminding information corresponding to the transaction information is matched with the first type of graphic icon;
if the roll-out amount of the roll-out type is smaller than a first threshold value or the roll-in amount of the roll-in type is smaller than a second threshold value, the transaction reminding information corresponding to the transaction information is matched with a second type of graphic icon;
and if the amount to be deducted on a certain date is more than or equal to the difference between the predicted amount of the current account and all the amounts to be deducted before the date, matching the transaction reminding information corresponding to the transaction information with a third graphic icon, wherein the predicted amount of the current account is the sum of the preset user interface user balance and all the amounts to be deducted before the date.
A terminal adapted for use in the above method, the terminal comprising a plurality of communication modules, a storage device and a processor, wherein:
the storage device is used for storing a bank account information reminding system;
the processor is used for calling and executing the bank account information reminding system so as to execute the following steps:
when receiving account checking request information, acquiring transaction information corresponding to the input account information;
classifying the transaction information, and analyzing preset transaction information and transaction time of each preset transaction information;
generating corresponding transaction reminding information for the transaction information of the preset type according to a preset reminding rule, and matching different types of transaction reminding information with different graphic icons; and
and displaying the transaction reminding information in the graphic icon style in a preset user interface displayed by display equipment of the terminal.
Preferably, the preset reminding rule includes:
if the transfer-out amount of the transfer-out type is greater than or equal to a first threshold value or the transfer-in amount of the transfer-in type is greater than or equal to a second threshold value, the transaction reminding information corresponding to the transaction information is matched with the first type of graphic icon;
if the roll-out amount of the roll-out type is smaller than a first threshold value or the roll-in amount of the roll-in type is smaller than a second threshold value, the transaction reminding information corresponding to the transaction information is matched with a second type of graphic icon;
and if the amount to be deducted on a certain date is more than or equal to the difference between the predicted amount of the current account and all the amounts to be deducted before the date, matching the transaction reminding information corresponding to the transaction information with a third graphic icon, wherein the predicted amount of the current account is the sum of the preset user interface user balance and all the amounts to be deducted before the date.
By using the bank account information reminding method, the server and the terminal, the advance early warning of the user account information is simply and quickly realized by adopting different marks for different account information to remind on the preset user interface.
Drawings
Fig. 1 is a conventional representation of bank account information.
Fig. 2 is a hardware environment diagram of the bank account information reminding system according to the first embodiment of the invention.
Fig. 3 is a hardware environment diagram of a bank account information reminding system according to a second embodiment of the invention.
FIG. 4 is a functional block diagram of a bank account information reminding system according to a preferred embodiment of the invention.
Fig. 5 is a flowchart of a method of a preferred embodiment of the bank account information reminding method of the invention.
Fig. 6 illustrates a bank information representation manner of the bank account information reminding system of the present invention.
Detailed Description
Fig. 2 is a hardware environment diagram of a bank account information reminding system according to a first embodiment of the present invention.
The bank accountinformation reminding system 2 according to the embodiment can be installed and operated in oneserver 1. Theserver 1 may be a bank server. Theserver 1 may be communicatively connected to at least oneterminal 3 via a communication module (not shown). Theterminal 3 may be a personal computer, a smart phone, a tablet computer, or the like.
Theserver 1 may include a storage device and a processor (not shown). The storage device may be one or more non-volatile storage devices such as a ROM, EPROM or Flash Memory device, etc. The storage device may be built in or external to theserver 1. The processors are a Core Unit (Core Unit) and a Control Unit (Control Unit) of theserver 1, and are used for interpreting computer instructions and processing data in computer software.
In this embodiment, the bank accountinformation reminding system 2 may be a computer software, which includes a program code executable by a computer, where the program code may be stored in the storage device, and implemented by a processor to implement the following functions: when receiving account checking request information of a user from theterminal 3, acquiring transaction information of a certain bank account, classifying the transaction information, and analyzing transaction information of a preset type and transaction time of each transaction information of the preset type. The transaction information comprises information already transacted and information to be transacted. The information of the transaction comprises the information that the account is transferred into and out, and the information of the transaction comprises the loan waiting to be returned and the money to be collected, such as financial money and the like. The preset type includes, for example, transfer-in, transfer-out, withholding, and the like. The preset type of transaction information and the transaction time of each preset type of transaction information, for example, on 1/9/2015, the current account is shifted to 50000 yuan from the account; 10/9/2015, ". accounts shifted to 20000 dollars from the current account;day 30/9/2015, current account to be deducted 10000 dollars, etc.
Further, the bank accountinformation reminding system 2 generates corresponding transaction reminding information for the transaction information of the preset type according to a preset reminding rule, matches different types of transaction reminding information with different graphic icons, and displays the transaction reminding information of the graphic icon style in a preset user interface displayed by thedisplay device 30 of theterminal 3. For example, the preset reminding rule includes that if the roll-out amount of the roll-out type is greater than or equal to a first threshold (for example, 20000 yuan) or the roll-in amount of the roll-in type is greater than or equal to a second threshold (for example, 50000 yuan), the transaction reminding information corresponding to the transaction information is matched with a first type of graphical icon (for example, an upward arrow-shaped identifier); if the roll-out amount of the roll-out type is smaller than a first threshold (for example, 20000 yuan) or the transfer-in amount of the transfer-in type is smaller than a second threshold (for example, 50000 yuan), the transaction reminding information corresponding to the transaction information is matched with a second type of graphical icon (for example, a downward arrow-shaped identifier); and if the amount to be deducted on a certain date is more than or equal to the difference between the predicted amount of the current account and all the amounts to be deducted before the date, matching the transaction reminding information corresponding to the transaction information with a third graphic icon (such as black five-pointed star), wherein the predicted amount of the current account is the sum of the preset user interface user balance and all the amounts to be deducted before the date. The predetermined user interface is a calendar graphical interface (as shown in fig. 6) or a notepad graphical interface (not shown) or any other kind of user interface. The calendar or notepad may be a software program running separately on theterminal 3 or a graphical user interface embedded in the bank accountadvance warning system 2.
In this embodiment, in the user interface, when a certain graphical icon is selected, for example, by clicking or double-clicking the graphical icon, the transaction reminding information corresponding to the graphical icon is displayed (as shown in fig. 6). For example, when an up arrow icon is selected, a transaction reminder message is displayed: onday 1 of 9/2015, 50000 dollars were transferred from the current account; when a black five-pointed star icon is selected, displaying a transaction reminder: on 30/9/2015, the current account is charged 10000 dollars, and the account is expected to be in insufficient balance.
In other embodiments of the present invention, as shown in fig. 3, the bank accountearly warning system 2 may also be installed and operated in theterminal 3. Theterminal 3 may be in communication connection with thebank server 1 through a communication module (not shown). The program code of the bank accountearly warning system 2 may be stored in a storage device (not shown) of theterminal 3, and under the execution of a processor of theterminal 3, the above-described functions are implemented.
Fig. 4 is a functional block diagram of a bank account information reminding system according to a preferred embodiment of the present invention.
The program code of the bank accountinformation reminding system 2 can be divided into a plurality of functional modules according to different functions. In a preferred embodiment of the present invention, the bank accountinformation reminding system 2 may include arequest receiving module 20, an obtainingmodule 21, adata processing module 22, anicon generating module 23, and anoutput module 24.
Therequest receiving module 20 is configured to receive account viewing request information of a user. In a preferred embodiment of the present invention, when a user logs in thebank server 1 through a website or App (Application) of a certain bank by using theterminal 3 and inputs correct account information (e.g., a bank account number and a password, a user account number and a password, etc.), thebank server 1 sends an account checking request message to therequest receiving module 20.
The obtainingmodule 21 is configured to obtain the transaction information of the input account information when receiving the account viewing request information. In this embodiment, the obtainingmodule 21 obtains the transaction information from thebank server 1. In this embodiment, the transaction information includes information already transacted and information to be transacted. The information of the transaction comprises the information that the account is transferred into and out, and the information of the transaction comprises the loan waiting to be returned and the money to be collected, such as financial money and the like.
Thedata processing module 22 is configured to classify the transaction information and analyze a preset type of transaction information and a transaction time of each preset type of transaction information. The preset type includes, for example, transfer-in, transfer-out, withholding, and the like. The preset type of transaction information and the transaction time of each preset type of transaction information, for example, on 1/9/2015, the current account is shifted to 50000 yuan from the account; 10/9/2015, ". accounts shifted to 20000 dollars from the current account;day 30/9/2015, current account to be deducted 10000 dollars, etc.
Theicon generating module 23 is configured to generate corresponding transaction reminding information for the transaction information of the preset type according to a preset reminding rule, and match different types of transaction reminding information with different graphical icons.
The preset reminding rule includes that if the transfer-out amount of the transfer-out type is greater than or equal to a first threshold (for example, 20000 yuan) or the transfer-in amount of the transfer-in type is greater than or equal to a second threshold (for example, 50000 yuan), the transaction reminding information corresponding to the transaction information is matched with a first type of graphic icon (for example, an upward arrow-shaped identifier); if the roll-out amount of the roll-out type is smaller than a first threshold (for example, 20000 yuan) or the transfer-in amount of the transfer-in type is smaller than a second threshold (for example, 50000 yuan), the transaction reminding information corresponding to the transaction information is matched with a second type of graphical icon (for example, a downward arrow-shaped identifier); and if the amount to be deducted on a certain date is more than or equal to the difference between the predicted amount of the current account and all the amounts to be deducted before the certain date, matching the transaction reminding information corresponding to the transaction information with a third graphic icon (for example, black five-pointed star). The current account estimated amount is the sum of the preset user interface user balance and all the amounts to be collected before the date.
Theoutput module 24 is configured to display the transaction reminding information in the form of the graphical icon in a preset user interface displayed by thedisplay device 30 of theterminal 3.
The predetermined user interface is a calendar graphical interface (as shown in fig. 6) or a notepad graphical interface (not shown) or any other kind of user interface. The calendar or notepad may be a software program running separately on theterminal 3 or a graphical user interface embedded in the bank accountadvance warning system 2.
In this embodiment, in the user interface, when a certain graphical icon is selected, for example, by clicking or double-clicking the graphical icon, the transaction reminding information corresponding to the graphical icon is displayed (as shown in fig. 6). For example, when an up arrow icon is selected, a transaction reminder message is displayed: onday 1 of 9/2015, 50000 dollars were transferred from the current account; when a black five-pointed star icon is selected, displaying a transaction reminder: on 30/9/2015, the current account is charged 10000 dollars, and the account is expected to be in insufficient balance.
Fig. 5 is a flowchart illustrating a method of a preferred embodiment of the bank account information reminding method according to the present invention. The bank account information reminding method is not limited to the steps shown in the flowchart, and in addition, some steps may be omitted and the sequence between the steps may be changed in the steps shown in the flowchart.
In step S10, therequest receiving module 20 receives the account viewing request information of the user. In a preferred embodiment of the present invention, when a user logs in thebank server 1 through a website or App (Application) of a certain bank by using theterminal 3 and inputs correct account information (e.g., a bank account number and a password, a user account number and a password, etc.), thebank server 1 sends an account checking request message to therequest receiving module 20.
In step S11, when receiving the account viewing request information, the obtainingmodule 21 obtains the transaction information corresponding to the input account information. In this embodiment, the obtainingmodule 21 obtains the transaction information from thebank server 1. In this embodiment, the transaction information includes information already transacted and information to be transacted. The information of the transaction comprises the information that the account is transferred into and out, and the information of the transaction comprises the loan waiting to be returned and the money to be collected, such as financial money and the like.
In step S12, thedata processing module 22 classifies the transaction information and analyzes the transaction information of the preset type and the transaction time of each transaction information of the preset type. The preset type includes, for example, transfer-in, transfer-out, withholding, and the like. The preset type of transaction information and the transaction time of each preset type of transaction information, for example, on 1/9/2015, the current account is shifted to 50000 yuan from the account; 10/9/2015, ". accounts shifted to 20000 dollars from the current account;day 30/9/2015, current account to be deducted 10000 dollars, etc.
In step S13, theicon generating module 23 generates corresponding transaction reminding information for the transaction information of the preset type according to the preset reminding rule, and matches different types of transaction reminding information with different graphical icons.
The preset reminding rule includes that if the transfer-out amount of the transfer-out type is greater than or equal to a first threshold (for example, 20000 yuan) or the transfer-in amount of the transfer-in type is greater than or equal to a second threshold (for example, 50000 yuan), the transaction reminding information corresponding to the transaction information is matched with a first type of graphic icon (for example, an upward arrow-shaped identifier); if the roll-out amount of the roll-out type is smaller than a first threshold (for example, 20000 yuan) or the transfer-in amount of the transfer-in type is smaller than a second threshold (for example, 50000 yuan), the transaction reminding information corresponding to the transaction information is matched with a second type of graphical icon (for example, a downward arrow-shaped identifier); and if the amount to be deducted on a certain date is more than or equal to the difference between the predicted amount of the current account and all the amounts to be deducted before the certain date, matching the transaction reminding information corresponding to the transaction information with a third graphic icon (for example, black five-pointed star). The current account estimated amount is the sum of the preset user interface user balance and all the amounts to be collected before the date.
In step S14, theoutput module 24 displays the transaction reminding information in the graphic icon style in the preset user interface displayed by thedisplay device 30 of theterminal 3.
The predetermined user interface is a calendar graphical interface (as shown in fig. 6) or a notepad graphical interface (not shown) or any other kind of user interface. The calendar or notepad may be a software program running separately on theterminal 3 or a graphical user interface embedded in the bank accountadvance warning system 2.
In this embodiment, in the user interface, when a certain graphical icon is selected, for example, by clicking or double-clicking the graphical icon, the transaction reminding information corresponding to the graphical icon is displayed (as shown in fig. 6). For example, when an up arrow icon is selected, a transaction reminder message is displayed: onday 1 of 9/2015, 50000 dollars were transferred from the current account; when a black five-pointed star icon is selected, displaying a transaction reminder: on 30/9/2015, the current account is charged 10000 dollars, and the account is expected to be in insufficient balance.
Finally, it should be noted that the above embodiments are only for illustrating the technical solutions of the present invention and not for limiting, and although the present invention is described in detail with reference to the preferred embodiments, it should be understood by those skilled in the art that modifications or equivalent substitutions may be made on the technical solutions of the present invention without departing from the spirit and scope of the technical solutions of the present invention.

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CN116993348A (en)*2020-02-122023-11-03支付宝(杭州)信息技术有限公司Information prompting method, device, equipment and computer readable medium

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