Transaction-based credit card interest calculation method and system, terminal equipment and storage medium

Abstract

The invention relates to a transaction-based credit card interest calculation method and system, terminal equipment and a storage medium. The method comprises the following steps: before repayment andaccount entry, dividing different balance composition parameters; establishing an association relationship by using the transaction code and the balance composition parameter, and setting to obtain atransaction processing control parameter; establishing daily balance overdraft sub-account parameters and setting account balance composition parameters; after repayment and account entry, defining afirst-layer repayment sequence; defining a second layer repayment sequence based on the first layer repayment sequence; obtaining interest calculation related information data of the sub-accounts onthe basis of the operation processing; recording repayment occurring in a rest-free period as interest calculation of possible impact reduction, and deducting a value obtained after interest calculation of possible impact reduction to calculate interest related information data if a repayment date expires and a customer meets an interest calculation condition according to an unpaid part, thereby realizing interest calculation according to the unpaid part. Compared with the prior art, the method has the advantages that the expression of the finest granularity of the interest-bearing principal is realized, and the like.

Description

technical field [0001] The invention relates to the technical field of web information processing, in particular to a transaction-based credit card interest calculation method, system, terminal equipment and storage medium. Background technique [0002] In my country's current commercial bank credit card overdraft interest calculation, there are two types: full interest calculation and interest calculation based on the outstanding part, and most of them adopt full interest calculation. Full penalty interest means that after the repayment deadline, regardless of whether the credit card has been partially repaid in the current month, as long as the full amount is not repaid, the card issuing bank will calculate the interest on the total consumption amount of the cardholder. Calculation of interest on the unpaid part, also known as the method of accruing interest on the balance, means that the card issuer only collects the overdraft interest on the unpaid part before the due da...

AI Technical Summary

Problems solved by technology

In terms of system performance and system storage costs, credit cards actually accumulate interest at the granularity of balance composition, not at the granularity of transaction, so it is impossible to know the interest calculation that can be offset by repayment when repaying.

[0004] In addition, the existing credit card interest calculation adopts the same interest rate, and it is impossible to implement differentiated interest rates according to specific activities, which cannot meet the increasingly precise marketing of the credit card market

Of course, it is also impossible to clearly show the ins and outs of interest and transaction principal to customers, which is not conducive to explaining to customers and affects customer experience

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