A credit card management method and a device

Abstract

The invention provides a credit card management method and a device. The method is suitable for a lead bank. The method comprises: receiving a credit card management request, configuring and generating a super credit card according to the credit card management request, wherein the super credit card comprises a total credit card account number and a plurality of sub credit card accounts and the repayment dates of each account number in the super credit card are the same, receiving the consumption request of the super credit card, determining the deduction sub-credit card account number according to the consumption request of the super credit card and the preferential activities of the bank and the merchant, adjusting the total credit card account number and the amount of the deduction sub-credit card account number, generating the bill information and recording the bill information under the total credit card account number; when the repayment date arrives, generating and sening the total bill according to the bill information under the total credit card account number, receiving the first repayment request of the super credit card, adjusting the limit of the total credit card account number according to the first repayment request, and sending the second repayment request to the corresponding sub-credit card server according to the bill information under the total credit cardaccount number. The invention can integrate multiple credit cards.

Description

technical field [0001] The invention belongs to the field of credit cards, in particular to a credit card management method and device. Background technique [0002] In the existing technology, there are usually multiple signal cards of multiple banks under one person’s name, and these credit cards are managed by the user himself. There are many inconveniences in the management of multiple credit cards, which are mainly reflected in: [0003] 1) If you do not carry multiple or all credit cards, there may be a problem of insufficient amount. For users with low credit card limits or large consumption amounts, the consumption requirements cannot be met. [0004] 2) Different merchants have different preferential activities, and different merchants have different cooperative banks. Users must choose a specific bank's credit card to enjoy the merchant's discounts. As a result, users often need to carry multiple credit cards. The preferential activities of each bank vary greatly....

AI Technical Summary

Problems solved by technology

[0003] 1) If you do not carry multiple or all credit cards, there may be a problem of insufficient amount. For users with low credit card limits or large consumption amounts, the consumption requirements cannot be met

[0004] 2) Merchant promotions are different, and different merchants have different cooperative banks. Users must choose a specific bank's credit card to enjoy merchant discounts, resulting in users often needing to carry multiple credit cards.

The preferential activities of each bank are very different. For example, there are special requirements for the monthly consumption amount or the number of consumption of the credit card to enjoy. It will cause great inconvenience for users to distinguish whether they can enjoy the preferential activities.

[0005] 3) Different credit card repayment dates are different, causing great inconvenience to users

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