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China's aging population and large base, which brings a lot of social problems. They have unique psychological and physical characteristics, which make them lonely in a social corner. They are the predecessors who have contributed their youth and wisdom to the construction of a better country. Therefore, we should extend our most sincere thanks and do our best to create a comfortable environment for them. What needs to be studied in this paper is the urban and rural empty nester who need more attention. They are a group separated from the intelligent age. In the Intelligent era, they have to use smart Banks. Therefore, it is particularly important to design a savings device that is more suitable for urban and rural empty nester. This is a qualitative research to design an intelligent savings device for urban and rural empty nester.