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Method and system for adjusting expected repayment date of credit card by using communication tool

A communication tool, credit card technology, applied in the field of financial transaction services, can solve problems such as credit reduction, user inconvenience, user delay, etc.

Inactive Publication Date: 2012-07-04
SHANGHAI LIANGMING TECH DEV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The problem to be solved by the present invention is that the user's credit is reduced due to delay or inability to repay the loan in time, and a series of limited operations such as freezing his financial transaction will bring inconvenience to the user

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  • Method and system for adjusting expected repayment date of credit card by using communication tool
  • Method and system for adjusting expected repayment date of credit card by using communication tool
  • Method and system for adjusting expected repayment date of credit card by using communication tool

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Embodiment Construction

[0034] The present invention will be further described below in conjunction with specific embodiments with reference to the accompanying drawings.

[0035] The method and system for adjusting credit card repayment expectations by using communication tools according to the present invention are mainly set corresponding to existing financial servers and communication networks,

[0036] The financial server mentioned here refers to the server set up in each bank to process financial transactions such as consumption details, cash withdrawals, and credit transactions associated with users. It can be a terminal server or a relay server. The financial server generates the corresponding repayment period, repayment items, and other associated transaction information according to the user's historical transaction records.

[0037] The communication network mentioned here mainly refers to at least one of a wireless communication network and a wired communication network established betwe...

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Abstract

The invention provides a method and system for adjusting expected repayment date of a credit card by using a communication tool, which belong to the field of financial business service. In the financial system, the user is reminded to repay by using a reminder triggering module; and an expected repayment date preset project loaded by using a preset information loading module is transmitted to the communication tool of the user by using a reminder transmitting module. The user replies the repayment reminder information and receives the reply information by using a preset information reply receiving module. In the financial system, the expected repayment date set by the reply information is confirmed and judged by using an expected date determining module; and then the determined expected repayment date is transmitted to the communication tool of the user by using a determined expected repayment date transmitting module. By using the system provided by the invention, the user can revise the credit card repayment date within an enjoyed authority or in a user-defined way so that a series of defined operations, such as credit reduction, financial transaction freezing and the like, caused by repayment delay or not timely repayment can be avoided for user.

Description

technical field [0001] The invention belongs to the field of financial transaction services, in particular to a method and system for adjusting credit card repayment expectations by using communication tools. Background technique [0002] In recent years, credit card consumption has become an important means of mass consumption. People with credit cards are everywhere. However, while credit card consumption brings convenience to people's consumption, it also creates some problems. For example, cardholders fail to repay the repayment in time according to the regulations, resulting in bad credit records in the bank, or even freezing the cardholder's account. [0003] In view of the above problems, the existing technology mainly reminds the user to repay the loan on time through short messages and bills provided by the bank. For this, the user can only receive the reminder passively. If the user is still unable to make the repayment on time due to force majeure or other legit...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02H04W4/12
Inventor 不公告发明人
Owner SHANGHAI LIANGMING TECH DEV