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

A credit card and transaction technology, applied in the field of web information processing, can solve problems that affect customer experience, cannot satisfy credit card marketing, and cannot calculate interest, etc., to achieve the effect of enriching financial data, improving customer service efficiency and service level

Pending Publication Date: 2020-07-17
BANK OF COMMUNICATIONS
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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

Method used

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

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specific Embodiment

[0044] Step 1. Refer to the system architecture figure 2 , the deployment environment, and the software configuration are as follows:

[0045]

[0046]

[0047] Step 2, operating system, set the credit card parameters of a certain country and region by the parameter module, and the parameters mainly related to the present invention are as follows:

[0048] Parameters-【Balance Composition】

[0049]

[0050] Parameters - [Transaction Processing Control]

[0051]

[0052] Parameters-【Repayment Order-Balance Composition】

[0053] balance composition old cycle last cycle this cycle Consumption balance 7 8 12 Cash balance 3 4 10 interest balance 1 2 9 Fee balance 5 6 11

[0054] Parameter-【Repayment Sequence-Sub-account Deduction Sequence】

[0055]

[0056]

[0057] Step 3. Establish account balance composition, establish sub-accounts for daily overdraft balance, etc.

[0058] For example, account ZH001 has a ...

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PUM

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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...

Claims

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Application Information

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IPC IPC(8): G06Q40/02H04L29/08
CPCH04L67/025H04L67/12H04L67/1097G06Q40/03
Inventor 张妍婷吴晓渊
Owner BANK OF COMMUNICATIONS
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