System, apparatus and method for realizing credit cards payment by instalments

Abstract

The invention discloses a system that can realize installment payment of credit card, including the business terminal of the credit card, receipting the input business information of installment payment, sending the read and received information by finance network to the processing device of installment payment; the processing device of installment payment is to receive the information which is sent by the business terminal of credit card through finance network , verifying the installment payment business according to the received information, examining the line of credit, initial payment, liquidation in instalment, installment payment register, line of credit renewal and the operation of installment payment enter an item in an account. This invention discloses a device and method which can realize installment payment of credit card at the same time. By making use of the invention, the installment payment function of credit card has realized, the problem that the interest-free scheduled time of credit card consumption is short and overdraft interest is high have been resolved, the returning money pressure of people who holding the card reduced, the consumption using card expanded, it has promoted the fast development of the commodity economy, made a bank gain more business amount.

Description

technical field [0001] The invention relates to the technical field of financial system computer network transactions, in particular to a system, device and method for realizing credit card installment payment. Background technique [0002] As a modern payment tool, the credit card has been accepted by people rapidly since it came out because of its feature of allowing overdraft. Especially those whose income is unstable, or who dare to spend ahead of schedule, make full use of the overdraft function of credit cards to create various conveniences for their lives. Nowadays, more and more people choose credit cards as settlement tools in daily life. [0003] However, the annual interest rate of credit card overdraft is as high as 18%, which discourages many people. Although the card issuer stipulates that in order to encourage cardholders to swipe their cards for consumption, they can enjoy a certain period of interest-free period when using credit card overdraft consumption...

AI Technical Summary

Problems solved by technology

[0009] In view of this, a main purpose of the present invention is to provide a system for realizing credit card installment payment, so as to realize the installment payment business function of the credit card, solve the problems of the existing credit card consumption interest-free period is short, the overdraft interest is high, and reduce the cost of holding Repayment pressure of cardholders, expanding card consumption, promoting the rapid development of the commodity economy, enabling banks to obtain greater business volume and achieve greater profits

[0010] Another main purpose of the present invention is to provide a device for credit card installment payment, so as to realize the credit card installment payment business function, solve the problems of the existing credit card consumption interest-free period is short, overdraft interest is high, and reduce the cardholder's repayment fee. reduce the pressure of payment, expand card consumption, promote the rapid development of the commodity economy, and enable banks to obtain greater business volume and achieve greater profits

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