Dynamic interest bearing method and system based on repayment behavior of cardholder

Abstract

The invention relates to the technical field of credit card interest bearing processing, and particularly discloses a dynamic interest bearing method and system based on a repayment behavior of a cardholder, and the method comprises the steps: setting a triggering condition for dynamically adjusting interest; acquiring a repayment behavior of the card holder in real time, judging whether the repayment behavior of the card holder meets the triggering condition of dynamically adjusting the interest, and if the triggering condition of dynamically adjusting the interest is met, performing interest calculation of a period corresponding to a repayment trading day based on a first adjustment target; and if the trigger condition of dynamically adjusting interest is not satisfied, performing interest calculation of a period corresponding to the repayment trading day based on a second adjustment target. According to the method, interest calculation is dynamically adjusted based on the repayment bank of the cardholder, so that the cardholder is encouraged to repay as much as possible, the overdue risk of the credit card is reduced, and the repayment experience of the cardholder is improved.

Description

Technical Field

[0001] The present invention relates to the technical field of credit card interest calculation processing, and in particular to a dynamic interest calculation method and system based on cardholder repayment behavior. Background Art

[0002] like Figure 1 As shown, when calculating credit card interest, the same interest calculation mechanism is used for transactions of the same transaction type but different repayment behaviors of cardholders, including interest calculation mode (full amount interest calculation, difference interest calculation), interest rate, interest calculation days, and interest accrual date. However, with the existing credit card interest calculation mechanism, whether the cardholder repays on time or the different repayment status has no effect on the interest calculation. Therefore, it is impossible to encourage cardholders to repay on time or in full. Summary of the invention

[0003] In response to the above problems, an object of the present invention is to provide a dynamic interest calculation method based on the cardholder's repayment behavior, which dynamically adjusts the interest calculation based on the cardholder's repayment behavior, thereby encouraging cardholders to repay as much as possible, reducing the risk of credit card overdue payments, and improving the cardholder's repayment experience.

[0004] The second object of the present invention is to provide a dynamic interest calculation system based on the cardholder's repayment behavior.

[0005] The first technical solution adopted by the present invention is: a dynamic interest calculation method based on the cardholder's repayment behavior, comprising the following steps:

[0006] Set trigger conditions for dynamic interest adjustment;

[0007] The cardholder's repayment behavior is obtained in real time to determine whether the cardholder's repayment behavior meets the triggering conditions for the dynamic adjustment of interest. If the triggering conditions for the dynamic adjustment of interest are met, the interest calculation for the period corresponding to the repayment transaction day is performed based on the first adjustment target; if the triggering conditions for the dynamic adjustment of interest are not met, the interest calculation for the period corresponding to the repayment transaction day is performed based on the second adjustment target.

[0008] Preferably, the triggering conditions for dynamically adjusting the interest include one or more of a preset ratio of the cumulative repayment amount to the total outstanding balance and repayment rating data of the cardholder in past billing cycles.

[0009] Preferably, the repayment rating data of the cardholder's past billing cycles include one or more of no outstanding balance in the current period, full repayment of outstanding balance in the previous period, minimum outstanding balance paid off for deferred accounts, minimum outstanding balance paid off for non-deferred accounts, and no overdue payments in the last three billing cycles.

[0010] Preferably, the cardholder's repayment behavior includes: the ratio of the cumulative repayment amount to the total outstanding balance, and the cardholder's repayment data for past billing cycles;

[0011] The repayment data of the cardholder's past billing cycles include one or more of the following: no current outstanding balance, full repayment of previous outstanding balance, repayment of the minimum outstanding balance for deferred accounts, repayment of the minimum outstanding balance for non-deferred accounts, no overdue payments in the last three billing cycles, the minimum outstanding overdue amount of 1 period, the minimum outstanding overdue amount of 2 periods, the minimum outstanding overdue amount of 3 or more periods, and the minimum outstanding overdue amount of 7 or more periods.

[0012] Preferably, the determining whether the cardholder's repayment behavior satisfies the triggering condition for dynamically adjusting the interest includes:

[0013] When the ratio of the cumulative repayment amount to the total outstanding balance is greater than or equal to the preset ratio of the cumulative repayment amount to the total outstanding balance, it is determined that the cardholder's repayment behavior meets the triggering condition for the dynamic adjustment of interest; when the ratio of the cumulative repayment amount to the total outstanding balance is less than the preset ratio of the cumulative repayment amount to the total outstanding balance, it is determined that the cardholder's repayment behavior does not meet the triggering condition for the dynamic adjustment of interest;

[0014] When the repayment data of the cardholder's past billing cycle meets one or more of the repayment rating data of the cardholder's past billing cycle, it is determined that the cardholder's repayment behavior meets the triggering conditions for the dynamic adjustment of interest; when the repayment data of the cardholder's past billing cycle does not meet the repayment rating data of the cardholder's past billing cycle, it is determined that the cardholder's repayment behavior does not meet the triggering conditions for the dynamic adjustment of interest.

[0015] Preferably, the first adjustment target includes:

[0016] Determine whether there are any interest-free transactions in the cycle corresponding to the repayment transaction date. If there are any interest-free transactions, the interest-free transactions in this cycle can still enjoy the interest-free treatment, and perform one or more of the following adjustments: floating the interest settlement interest rate downward, adjusting the interest calculation mode from full interest calculation to differential interest calculation, and adjusting the number of interest calculation days;

[0017] If no interest-free period transactions occur, interest-free period transactions occurring within that period will no longer enjoy the interest-free treatment, and one or more of the following adjustments will be implemented: the interest settlement rate will be floated downward, the interest calculation mode will be adjusted from full interest calculation to differential interest calculation, and interest will be calculated based on the transaction date.

[0018] Preferably, the adjustment of the interest calculation days includes: adjusting the consumer transactions that should accrue interest on the transaction date to accrue interest on the billing date.

[0019] Preferably, the second adjustment target includes:

[0020] Determine whether there are any interest-free transactions in the cycle corresponding to the repayment transaction date. If there are any interest-free transactions, the interest-free transactions in this cycle will no longer enjoy the interest-free treatment, and the following adjustments will be made: the interest settlement rate will be floated upward, and interest will be calculated based on the full amount and the transaction date; or the original interest settlement rate, full amount and the transaction date will be used to calculate interest;

[0021] If no interest-free period transactions occur, interest-free period transactions occurring within that period will not enjoy the interest-free treatment, and the following adjustments will be made: the interest settlement rate will be floated upward, and interest will be calculated based on the full amount and from the transaction date; or interest will be calculated based on the original interest settlement rate, the full amount and from the transaction date.

[0022] The second technical solution adopted by the present invention is: a dynamic interest calculation system based on the cardholder's repayment behavior, including a trigger condition setting module and a dynamic interest calculation module;

[0023] The trigger condition setting module is used to set the trigger condition for dynamically adjusting interest;

[0024] The dynamic interest calculation module is used to obtain the cardholder's repayment behavior in real time and determine whether the cardholder's repayment behavior meets the trigger conditions for the dynamic adjustment of interest. If the trigger conditions for the dynamic adjustment of interest are met, the interest calculation for the period corresponding to the repayment transaction day is performed based on the first adjustment target; if the trigger conditions for the dynamic adjustment of interest are not met, the interest calculation for the period corresponding to the repayment transaction day is performed based on the second adjustment target.

[0025] Preferably, the first adjustment target includes:

[0026] Determine whether there are any interest-free transactions in the cycle corresponding to the repayment transaction date. If there are any interest-free transactions, the interest-free transactions in this cycle can still enjoy the interest-free treatment, and perform one or more of the following adjustments: floating the interest settlement interest rate downward, adjusting the interest calculation mode from full interest calculation to differential interest calculation, and adjusting the number of interest calculation days;

[0027] If no interest-free period transactions occur, interest-free period transactions that occur during the period will no longer enjoy interest-free treatment, and one or more of the following adjustments will be implemented: the interest settlement rate will be floated downward, the interest calculation mode will be adjusted from full interest calculation to differential interest calculation, and interest will be calculated based on the transaction date;

[0028] The second adjustment target includes:

[0029] Determine whether there are any interest-free transactions in the cycle corresponding to the repayment transaction date. If there are any interest-free transactions, the interest-free transactions in this cycle will no longer enjoy the interest-free treatment, and the following adjustments will be made: the interest settlement rate will be floated upward, and interest will be calculated based on the full amount and the transaction date; or the original interest settlement rate, full amount and the transaction date will be used to calculate interest;

[0030] If no interest-free period transactions occur, interest-free period transactions occurring within that period will not enjoy the interest-free treatment, and the following adjustments will be made: the interest settlement rate will be floated upward, and interest will be calculated based on the full amount and from the transaction date; or interest will be calculated based on the original interest settlement rate, the full amount and from the transaction date.

[0031] Beneficial effects of the above technical solution:

[0032] (1) The present invention provides a dynamic interest calculation method based on the cardholder's repayment behavior. On the basis of the existing credit card interest calculation mechanism, a dynamic interest calculation mechanism based on the cardholder's repayment behavior is added, thereby encouraging cardholders to repay as much as possible, reducing the risk of credit card overdue payments, and improving the cardholder's repayment experience.

[0033] (2) The present invention takes into account the cardholder's repayment behavior and dynamically adjusts the interest calculation during interest settlement activities. For the same transaction, the cardholder's repayment status is different at different interest settlement points, and the interest calculation method will also be different, which can more fairly reflect the cardholder's credit status and repayment ability. For cardholders who repay on time and actively, certain interest discounts or calculation factors can be given to encourage good repayment behavior. At the same time, for cardholders who do not repay on time or are at risk, the interest calculation factor can be appropriately increased to cover the risk cost. BRIEF DESCRIPTION OF THE DRAWINGS

[0034] Figure 1 A flowchart of the existing credit card interest calculation mechanism;

[0035] Figure 2 A schematic flow chart of a method for dynamically calculating interest based on a cardholder's repayment behavior provided by an embodiment of the present invention;

[0036] Figure 3 A schematic diagram of a cardholder's repayment not meeting the triggering condition for dynamic interest adjustment provided by an embodiment of the present invention;

[0037] Figure 4 A schematic diagram of a cardholder's repayment meeting a trigger condition for dynamically adjusting interest provided by an embodiment of the present invention;

[0038] Figure 5 A schematic diagram of the structure of a dynamic interest calculation system based on cardholder repayment behavior provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0039] The following detailed description of the embodiments of the present invention is further described in detail in conjunction with the accompanying drawings and examples. The detailed description of the following embodiments and the accompanying drawings are used to exemplarily illustrate the principles of the present invention, but cannot be used to limit the scope of the present invention, that is, the present invention is not limited to the preferred embodiments described, and the scope of the present invention is defined by the claims.

[0040] In the description of the present invention, it should be noted that, unless otherwise specified, “plurality” means two or more than two; the terms “first”, “second”, etc. are only used for descriptive purposes and cannot be understood as indicating or implying relative importance; for ordinary technicians in this field, the specific meanings of the above terms in the present invention can be understood according to the specific circumstances.

[0041] Embodiment 1

[0042] like Figure 2 As shown, an embodiment of the present invention provides a dynamic interest calculation method based on the cardholder's repayment behavior, comprising the following steps:

[0043] S100: Setting trigger conditions for dynamically adjusting interest rates;

[0044] The trigger conditions for dynamically adjusting the interest are set according to the bank's risk control and interest pricing rules; the trigger conditions for dynamically adjusting the interest include but are not limited to one or more of the preset ratio of the cumulative repayment amount to the total outstanding amount and the repayment rating data of the cardholder in the past billing cycle;

[0045] The preset ratio of the cumulative repayment amount to the total outstanding balance supports parameterized settings and can be set to any ratio value within the range of 0-100%. For example, the cumulative repayment amount can be set to ≥ the total outstanding balance × 90%.

[0046] The credit card system rates the cardholder's repayment behavior in each billing cycle and obtains the cardholder's repayment rating data for past billing cycles; the cardholder's repayment rating data for past billing cycles is generally divided into no outstanding balance in the current period, full repayment of previous outstanding balance, minimum outstanding balance of deferred accounts, minimum outstanding balance of non-deferred accounts, and no overdue payments in the last three billing cycles, based on the cardholder's repayment and arrears scenarios; for example, if the cardholder has no overdue payments in the last three billing cycles, it is considered that the triggering conditions are met; that is, the cardholder's repayment rating data in the last three billing cycles does not include the lowest overdue payment of 1 period, the lowest overdue payment of 2 periods, the lowest overdue payment of 3 or more periods, and the lowest overdue payment of 7 or more periods.

[0047] Furthermore, the triggering conditions for dynamically adjusting interest rates also include other customer repayment indicator data, and other customer repayment indicator data can be flexibly configured according to subsequent business needs.

[0048] S200: Acquire the cardholder's repayment behavior in real time, determine whether the cardholder's repayment behavior satisfies the triggering condition for dynamically adjusting the interest, and if so, calculate the interest for the period corresponding to the repayment transaction date based on the first adjustment target; if not, calculate the interest for the period corresponding to the repayment transaction date based on the second adjustment target;

[0049] The cardholder's repayment behavior includes the ratio of the cumulative repayment amount to the total outstanding balance, and the cardholder's repayment data for past billing cycles; the cardholder's repayment data for past billing cycles includes no outstanding balance in the current period, full repayment of the previous period's outstanding balance, the minimum outstanding balance for deferred accounts, the minimum outstanding balance for non-deferred accounts, no overdue payments in the last three billing cycles, the minimum outstanding overdue amount of 1 period, the minimum outstanding overdue amount of 2 periods, the minimum outstanding overdue amount of 3 or more periods, and the minimum outstanding overdue amount of 7 or more periods.

[0050] When the ratio of the cumulative repayment amount to the total outstanding balance is greater than or equal to the preset ratio of the cumulative repayment amount to the total outstanding balance, the cardholder's repayment behavior is determined to meet the triggering conditions for the dynamic adjustment of the interest; when the ratio of the cumulative repayment amount to the total outstanding balance is less than the preset ratio of the cumulative repayment amount to the total outstanding balance, the cardholder's repayment behavior is determined to not meet the triggering conditions for the dynamic adjustment of the interest.

[0051] When the repayment data of the cardholder's past billing cycle meets one or more of the repayment rating data of the cardholder's past billing cycle, it is determined that the cardholder's repayment behavior meets the triggering conditions for the dynamic adjustment of interest; when the repayment data of the cardholder's past billing cycle does not meet the repayment rating data of the cardholder's past billing cycle, it is determined that the cardholder's repayment behavior does not meet the triggering conditions for the dynamic adjustment of interest. For example, when the repayment data of the cardholder's past billing cycle is the minimum overdue of 2 periods, it is determined that the cardholder's repayment behavior does not meet the triggering conditions for the dynamic adjustment of interest.

[0052] like Figure 2 As shown, if the repayment behavior of the cardholder meets the triggering conditions for the dynamic adjustment of interest (i.e., the repayment conditions), the cardholder is a cardholder who repays on time and actively; if the repayment behavior of the cardholder does not meet the triggering conditions for the dynamic adjustment of interest, the cardholder is a cardholder who fails to repay on time or is at risk; for cardholders who repay on time and actively, certain policy benefits of extending the interest accrual date are given; for cardholders who fail to repay on time or are at risk, the interest accrual date starts from the transaction date; for cardholders who repay on time and actively, certain annual interest rate benefits are given; for cardholders who fail to repay on time or are at risk, the annual interest rate calculation factor is appropriately increased; and for cardholders who repay on time and actively, the interest calculation mode is adjusted to differential interest calculation, and for cardholders who fail to repay on time or are at risk, the interest calculation mode is full interest calculation.

[0053] Therefore, the first adjustment target includes: determining whether there are any interest-free transactions in the cycle corresponding to the repayment transaction date; if there are interest-free transactions, interest-free transactions in the cycle can still enjoy interest-free treatment, and performing one or more of the following adjustments: floating the interest settlement rate downward (the floating interest settlement rate supports parameterized settings, and the floating degree can be customized), adjusting the interest calculation mode from full interest calculation to differential interest calculation, and adjusting the number of interest calculation days (adjusting to the current transaction bill date, that is, adjusting the consumer transactions that should be charged interest on the transaction date to the bill date);

[0054] If no interest-free period transactions occur, interest-free period transactions occurring within that period will no longer enjoy the interest-free treatment, and one or more of the following adjustments will be implemented: the interest settlement rate will be floated downward, and the interest calculation mode will be adjusted from full interest calculation to differential interest calculation; at this time, the number of interest calculation days remains unchanged and is the original number of interest calculation days, and interest will still be calculated from the transaction date.

[0055] The second adjustment target includes: judging whether there are any interest-free transactions in the cycle corresponding to the repayment transaction date. If there are any interest-free transactions, the interest-free transactions in this cycle will no longer enjoy the interest-free treatment, and the following adjustments will be made: the interest settlement rate will be floated upward, and the interest of the cycle corresponding to the repayment transaction date will be calculated according to the original interest calculation mode (the interest calculation mode is still full interest calculation) and the original number of interest calculation days (still interest calculation from the transaction date); or the interest of the cycle corresponding to the repayment transaction date will be calculated according to the original interest settlement rate, the original interest calculation mode (the interest calculation mode is still full interest calculation) and the original number of interest calculation days (still interest calculation from the transaction date);

[0056] If no interest-free period transactions occur, interest-free period transactions occurring within that period will not enjoy the interest-free treatment, and the following adjustments will be made: the interest settlement rate will be floated upward, and the interest for the period corresponding to the repayment transaction date will be calculated according to the original interest calculation mode (the interest calculation mode is still full interest calculation) and the original number of interest calculation days (still interest starting from the transaction date); or the interest for the period corresponding to the repayment transaction date will be calculated according to the original interest settlement rate, the original interest calculation mode (the interest calculation mode is still full interest calculation) and the original number of interest calculation days (still interest starting from the transaction date).

[0057] The present invention further illustrates the dynamic interest calculation method based on the cardholder's repayment behavior through the following examples.

[0058] like Figure 3 As shown, the target user consumes T1 (e.g., 1000) in the S0 period, and no interest is paid on the interest payment date in the S0 period, so the total outstanding balance is 1000; the target user consumes T2 (e.g., 2000) in the S1 period, and repays T3 (e.g., 800), and the repayment offsets the consumption in the S0 period, and the repayment amount (800) is less than the total outstanding balance 1000*90%, so the cardholder's repayment does not meet the conditions, that is, the triggering conditions for dynamic interest adjustment are not met;

[0059] Assuming that the annual interest rate for consumption is L0, the interest rate increase range is L1 when the trigger conditions for dynamic interest adjustment are not met;

[0060] The annual interest rate calculation formula is 1 / 365, which is equal to 0.0027;

[0061] Interest calculation formula: Interest = Amount incurred * Annual interest rate * Number of days * Annual interest rate calculation factor;

[0062] When calculating the interest of S1 cycle, the interest calculation mode is full interest calculation. T1 interest = 1000*(L0+L1)*(S1-S0)*0.0027, T2 interest = 2000*(L0+L1)*(S1-T2 trading day)*0.0027, T3 interest = 800*(L0+L1)*(S1-T3 trading day)*0.0027. The total interest of S1 cycle BI1 = T1 interest + T2 interest - T3 interest;

[0063] In this example, since the triggering conditions for dynamic interest adjustment are not met during the S1 cycle, the interest settlement rate floats upward from L0 to L0+L1; and the consumption transaction of 2000 generated during the S1 cycle no longer enjoys the interest-free treatment, and consumption interest is generated during the S1 cycle interest calculation;

[0064] In the S2 period, the target user has not repaid the loan, and the cardholder's repayment still does not meet the triggering conditions for dynamic interest adjustment;

[0065] When calculating the interest of the S2 cycle, the interest calculation mode is full interest calculation. T1 interest = 1000*(L0+L1)*(S2-S1)*0.0027, T2 interest = 2000*(L0+L1)*(S2-S1)*0.0027, T3 interest = 800*(L0+L1)*(S2-S1)*0.0027. The total interest of the S2 cycle BI2 = T1 interest + T2 interest - T3 interest;

[0066] like Figure 4 As shown, the target user consumes T1 (e.g., 1000) in the S0 period, and no interest is paid on the interest payment date in the S0 period, and the total outstanding balance is 1000; the target user consumes T2 (e.g., 2000) in the S1 period, and repays T3 (e.g., 1000), and the repayment offsets the consumption in the S0 period, and the repayment amount (1000)> the total outstanding balance 1000*90%, so the cardholder's repayment meets the conditions, that is, the triggering conditions for dynamic interest adjustment are met;

[0067] Assuming that the annual interest rate for consumption is L0, the interest rate downward range is L2 when the triggering conditions for dynamic interest adjustment are met;

[0068] The annual interest rate calculation formula is 1 / 365, which is equal to 0.0027;

[0069] Interest calculation formula: Interest = Amount incurred * Annual interest rate * Number of days * Annual interest rate calculation factor;

[0070] During the S1 cycle interest calculation, since the cardholder's repayment meets the triggering conditions for dynamic interest adjustment, the interest calculation mode is adjusted from full interest calculation to differential interest calculation, and the consumption transaction 2000 generated during the S1 cycle is an interest-free period transaction, and the consumption transaction 2000 can still enjoy the interest-free treatment;

[0071] When calculating the interest of S1 cycle, the interest calculation mode is differential interest calculation. T1 interest = 1000*(L0-L2)*(S1-S0)*0.0027, T2 enjoys interest-free treatment and no interest, T3 interest = 1000*(L0-L2)*(S1-T1)*0.0027. The total interest of S1 cycle BI1 = T1 interest - T3 interest;

[0072] In the S2 period, the target user has not repaid the loan, and the cardholder’s repayment no longer meets the triggering conditions for dynamic interest adjustment;

[0073] The annual interest rate for consumption is L0. When the trigger conditions for dynamic interest adjustment are not met, the interest rate increase range is L1;

[0074] When calculating the interest of S2 period, the interest calculation mode is full interest calculation. T1 interest = 1000*(L0+L1)*(S2-S1)*0.0027, T2 interest = 2000*(L0+L1)*(S2-S1)*0.0027, T3 interest = 1000*(L0+L1)*(S2-S1)*0.0027. The total interest of S2 period BI2 = T1 interest + T2 interest - T3 interest.

[0075] Depend on Figure 3 and Figure 4 From the interest settlement of consumption of 2,000 within the S1 cycle, it can be seen that the cardholder's repayment does not meet the triggering conditions for dynamic interest adjustment. When the interest is settled in the S1 cycle, consumption T2, which could have originally enjoyed interest-free treatment, no longer enjoys interest-free treatment because the cardholder's repayment does not meet the triggering conditions for dynamic interest adjustment. Interest is generated in the S1 cycle, and the interest calculation days are S1-T2, starting from the transaction date. However, if the cardholder's repayment meets the triggering conditions for dynamic interest adjustment, consumption T2 still enjoys interest-free treatment when the interest is settled in the S1 cycle. No interest is generated in the S1 cycle, and the interest calculation days are S2-S1 when the interest is settled in the S2 cycle, starting from the billing date instead of the transaction date.

[0076] In an embodiment of the present invention, data required for interest calculation (data required for interest calculation includes but is not limited to transaction entry data, account status, interest rate change data, etc.) is retained daily, and other interest calculation factors used in interest calculation are not directly stored, but dynamically adjusted based on the cardholder's repayment behavior, thereby reducing data storage and improving calculation speed.

[0077] The present invention adds a dynamic adjustment process based on the cardholder's repayment behavior to the interest calculation mechanism, and calculates the final accumulated interest of the account according to the dynamically adjusted interest; and changes the original daily method of accumulating interest based on the outstanding amount to only calculating interest during interest settlement activities; thereby encouraging cardholders to repay as much as possible, reducing the risk of credit card overdue payments, and improving the cardholder's repayment experience.

[0078] Embodiment 2

[0079] like Figure 5 As shown, an embodiment of the present invention provides a dynamic interest calculation system based on the cardholder's repayment behavior, including a trigger condition setting module and a dynamic interest calculation module;

[0080] The trigger condition setting module is used to set the trigger condition for dynamically adjusting interest;

[0081] The dynamic interest calculation module is used to obtain the cardholder's repayment behavior in real time and determine whether the cardholder's repayment behavior meets the trigger conditions for the dynamic adjustment of interest. If the trigger conditions for the dynamic adjustment of interest are met, the interest calculation for the period corresponding to the repayment transaction day is performed based on the first adjustment target; if the trigger conditions for the dynamic adjustment of interest are not met, the interest calculation for the period corresponding to the repayment transaction day is performed based on the second adjustment target.

[0082] The first adjustment target includes:

[0083] Determine whether there are any interest-free transactions in the cycle corresponding to the repayment transaction date. If there are any interest-free transactions, the interest-free transactions in this cycle can still enjoy the interest-free treatment, and perform one or more of the following adjustments: floating the interest settlement interest rate downward, adjusting the interest calculation mode from full interest calculation to differential interest calculation, and adjusting the number of interest calculation days;

[0084] If no interest-free period transactions occur, interest-free period transactions occurring within that period will no longer enjoy the interest-free treatment, and one or more of the following adjustments will be implemented: the interest settlement rate will be floated downward, the interest calculation mode will be adjusted from full interest calculation to differential interest calculation, and interest will be calculated based on the transaction date.

[0085] The second adjustment target includes:

[0086] Determine whether there are any interest-free transactions in the cycle corresponding to the repayment transaction date. If there are any interest-free transactions, the interest-free transactions in this cycle will no longer enjoy the interest-free treatment, and the following adjustments will be made: the interest settlement rate will be floated upward, and interest will be calculated based on the full amount and the transaction date; or the original interest settlement rate, full amount and the transaction date will be used to calculate interest;

[0087] If no interest-free period transactions occur, interest-free period transactions occurring within that period will not enjoy the interest-free treatment, and the following adjustments will be made: the interest settlement rate will be floated upward, and interest will be calculated based on the full amount and from the transaction date; or interest will be calculated based on the original interest settlement rate, the full amount and from the transaction date.

[0088] Those of ordinary skill in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed in the embodiments of the present invention can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of the present invention.

[0089] In the embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0090] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0091] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0092] If the functions are implemented in the form of software functional units and sold or used as independent products, they can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, server, or network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: various media that can store program codes, such as USB flash drives, mobile hard disks, ROM, RAM, magnetic disks, or optical disks.

[0093] The above is only a specific embodiment of the present invention, but the protection scope of the present invention is not limited thereto. Any person skilled in the art can easily think of changes or substitutions within the technical scope disclosed by the present invention, which should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention should be based on the protection scope of the claims.

Claims

1. A dynamic interest calculation method based on the cardholder's repayment behavior, characterized in that: The following steps are involved: Set trigger conditions for dynamic interest adjustment; The cardholder's repayment behavior is obtained in real time to determine whether the cardholder's repayment behavior meets the triggering conditions for the dynamic adjustment of interest. If the triggering conditions for the dynamic adjustment of interest are met, the interest calculation for the period corresponding to the repayment transaction day is performed based on the first adjustment target; if the triggering conditions for the dynamic adjustment of interest are not met, the interest calculation for the period corresponding to the repayment transaction day is performed based on the second adjustment target.

2. The dynamic interest calculation method according to claim 1, characterized in that: The triggering conditions for dynamically adjusting the interest include one or more of a preset ratio of the cumulative repayment amount to the total outstanding balance and repayment rating data of the cardholder in past billing cycles.

3. The dynamic interest calculation method according to claim 2, characterized in that: The repayment rating data of the cardholder's past billing cycles include one or more of no outstanding balance in the current period, full repayment of previous period outstanding balance, repayment of the minimum under-full amount of deferred accounts, repayment of the minimum under-full amount of non-deferred accounts, and no overdue payments in the last three billing cycles.

4. The dynamic interest calculation method according to claim 1, characterized in that: The cardholder's repayment behavior includes: the ratio of the cumulative repayment amount to the total outstanding balance, and the cardholder's repayment data for past billing cycles; The repayment data of the cardholder's past billing cycles include one or more of the following: no current outstanding balance, full repayment of previous outstanding balance, repayment of the minimum outstanding balance for deferred accounts, repayment of the minimum outstanding balance for non-deferred accounts, no overdue payments in the last three billing cycles, the minimum outstanding overdue amount of 1 period, the minimum outstanding overdue amount of 2 periods, the minimum outstanding overdue amount of 3 or more periods, and the minimum outstanding overdue amount of 7 or more periods.

5. The dynamic interest calculation method according to claim 4, characterized in that: The determination of whether the cardholder's repayment behavior satisfies the triggering conditions for dynamically adjusting the interest includes: When the ratio of the cumulative repayment amount to the total outstanding balance is greater than or equal to the preset ratio of the cumulative repayment amount to the total outstanding balance, it is determined that the cardholder's repayment behavior meets the triggering condition for the dynamic adjustment of interest; when the ratio of the cumulative repayment amount to the total outstanding balance is less than the preset ratio of the cumulative repayment amount to the total outstanding balance, it is determined that the cardholder's repayment behavior does not meet the triggering condition for the dynamic adjustment of interest; When the repayment data of the cardholder's past billing cycle meets one or more of the repayment rating data of the cardholder's past billing cycle, it is determined that the cardholder's repayment behavior meets the triggering conditions for the dynamic adjustment of interest; when the repayment data of the cardholder's past billing cycle does not meet the repayment rating data of the cardholder's past billing cycle, it is determined that the cardholder's repayment behavior does not meet the triggering conditions for the dynamic adjustment of interest.

6. The dynamic interest calculation method according to claim 1, characterized in that: The first adjustment target includes: Determine whether there are any interest-free transactions in the cycle corresponding to the repayment transaction date. If there are any interest-free transactions, the interest-free transactions in this cycle can still enjoy the interest-free treatment, and perform one or more of the following adjustments: floating the interest settlement interest rate downward, adjusting the interest calculation mode from full interest calculation to differential interest calculation, and adjusting the number of interest calculation days; If no interest-free period transactions occur, interest-free period transactions occurring within that period will no longer enjoy the interest-free treatment, and one or more of the following adjustments will be implemented: the interest settlement rate will be floated downward, the interest calculation mode will be adjusted from full interest calculation to differential interest calculation, and interest will be calculated based on the transaction date.

7. The dynamic interest calculation method according to claim 6, characterized in that: The adjustment of the interest calculation days includes: adjusting the interest on consumer transactions that should be calculated on the transaction date to the billing date.

8. The dynamic interest calculation method according to claim 1, characterized in that: The second adjustment target includes: Determine whether there are any interest-free transactions in the cycle corresponding to the repayment transaction date. If there are any interest-free transactions, the interest-free transactions in this cycle will no longer enjoy the interest-free treatment, and the following adjustments will be made: the interest settlement rate will be floated upward, and interest will be calculated based on the full amount and the transaction date; or the original interest settlement rate, full amount and the transaction date will be used to calculate interest; If no interest-free period transactions occur, interest-free period transactions occurring within that period will not enjoy the interest-free treatment, and the following adjustments will be made: the interest settlement rate will be floated upward, and interest will be calculated based on the full amount and from the transaction date; or interest will be calculated based on the original interest settlement rate, the full amount and from the transaction date.

9. A dynamic interest calculation system based on the cardholder's repayment behavior, characterized in that: Including trigger condition setting module and dynamic interest calculation module; The trigger condition setting module is used to set the trigger condition for dynamically adjusting interest; The dynamic interest calculation module is used to obtain the cardholder's repayment behavior in real time and determine whether the cardholder's repayment behavior meets the trigger conditions for the dynamic adjustment of interest. If the trigger conditions for the dynamic adjustment of interest are met, the interest calculation for the period corresponding to the repayment transaction day is performed based on the first adjustment target; if the trigger conditions for the dynamic adjustment of interest are not met, the interest calculation for the period corresponding to the repayment transaction day is performed based on the second adjustment target.

10. The dynamic interest calculation system according to claim 9, characterized in that: The first adjustment target includes: Determine whether there are any interest-free transactions in the cycle corresponding to the repayment transaction date. If there are any interest-free transactions, the interest-free transactions in this cycle can still enjoy the interest-free treatment, and perform one or more of the following adjustments: floating the interest settlement interest rate downward, adjusting the interest calculation mode from full interest calculation to differential interest calculation, and adjusting the number of interest calculation days; If no interest-free period transactions occur, interest-free period transactions that occur during the period will no longer enjoy interest-free treatment, and one or more of the following adjustments will be implemented: the interest settlement rate will be floated downward, the interest calculation mode will be adjusted from full interest calculation to differential interest calculation, and interest will be calculated based on the transaction date; The second adjustment target includes: Determine whether there are any interest-free transactions in the cycle corresponding to the repayment transaction date. If there are any interest-free transactions, the interest-free transactions in this cycle will no longer enjoy the interest-free treatment, and the following adjustments will be made: the interest settlement rate will be floated upward, and interest will be calculated based on the full amount and the transaction date; or the original interest settlement rate, full amount and the transaction date will be used to calculate interest; If no interest-free period transactions occur, interest-free period transactions occurring within that period will not enjoy the interest-free treatment, and the following adjustments will be made: the interest settlement rate will be floated upward, and interest will be calculated based on the full amount and from the transaction date; or interest will be calculated based on the original interest settlement rate, the full amount and from the transaction date.

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