A credit card management method and device

Abstract

The present invention provides a credit card management method and device. The method is suitable for the lead bank, including: receiving a credit card management request, configuring and generating a super credit card according to the credit card management request, the super credit card includes a master credit card account number and multiple sub-credit card accounts, and the super credit card account number The repayment date of each account in the credit card is the same; receive the consumption request of the super credit card, determine the deduction sub-credit card account according to the consumption request of the super credit card and the preferential activities of the bank merchant, adjust the amount of the total credit card account and the deduction sub-credit card account, and generate a bill The information is recorded under the master credit card account; when the repayment date arrives, the master bill will be generated and sent according to the bill information under the master credit card account, the first repayment request of the super credit card will be received, and the total credit card account will be adjusted according to the first repayment request. According to the bill information under the master credit card account, send the second repayment request to the corresponding sub-credit card server. The invention can integrate multiple credit cards into one.

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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