Method and system for calculating interest of credit card in real time based on transaction triggering

Abstract

The invention relates to the technical field of credit card interest calculation processing, and particularly discloses a credit card real-time interest calculation method and system based on transaction triggering, and the method comprises the steps: dividing credit card account batch processing into an entry activity and an interest activity; splitting an interest activity into an interest calculation micro-service and an interest posting micro-service; and when a transaction meeting the interest calculation condition occurs, calling an interest activity to calculate the credit card account debt accumulated interest, judging whether the credit card account debt accumulated interest needs to be posted or not, and if so, calling a posting activity to perform posting processing. According to the method, when a transaction meeting an interest calculation condition occurs, the corresponding interest is calculated immediately, and real-time entry of the interest is supported, so that a card holder can clearly know the interest generated by each transaction at any time, and the consumption cost and debt condition of the card holder can be more accurately and timely grasped; the card holder is helped to better plan personal financial and repayment plans, and the card using experience of the card holder 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 method and system for real-time credit card interest calculation based on transaction triggering. Background Art

[0002] At present, credit card interest is only calculated during the batch processing of interest collection on the billing date, which is used to settle the interest generated by the credit card account during the corresponding billing period and record it in the account; after the cardholder makes transactions such as consumption, cash withdrawal, and installment payment during the billing period, he can only query the current accumulated amount of outstanding balance in the account, and cannot query the unrecorded interest accumulated on the current outstanding balance in the account in real time; and for the existing interest calculation mechanism, when the cardholder repays within the billing period, he can only query the current accumulated outstanding balance of the credit card and the amount of interest recorded in the historical period. For cardholders who want to settle their outstanding balance, they need to wait until the interest is recorded in the batch processing of interest collection on the billing day and then make repayment again.

[0003] Therefore, under the existing interest calculation mechanism, cardholders cannot timely understand the interest information of their credit card accounts. For cardholders who are not familiar with the credit card interest generation mechanism, they are prone to problems such as overdue repayments or unexpected repayment burdens due to unclear understanding of the interest accumulation situation. Summary of the invention

[0004] In response to the above problems, an object of the present invention is to provide a method for real-time interest calculation of credit cards based on transaction triggers. Whenever a transaction that meets the interest calculation conditions occurs, the method immediately calculates the corresponding interest and supports real-time interest entry, so that cardholders can clearly know the interest generated by each transaction at any time, and have a more accurate and timely grasp of their consumption costs and debt status, which helps cardholders better plan their personal finances and repayment plans and improves cardholders' card usage experience.

[0005] The second object of the present invention is to provide a system for calculating interest on credit cards in real time based on transaction triggers.

[0006] The first technical solution adopted by the present invention is: a method for real-time credit card interest calculation based on transaction triggering, comprising the following steps:

[0007] S100: dividing the credit card account business batch processing operation into entry activities and interest activities;

[0008] S200: Split the interest activity into an interest calculation microservice and an interest crediting microservice;

[0009] S300: When a transaction that meets the interest calculation conditions occurs, the interest activity is called to calculate the accumulated interest on the outstanding balance of the credit card account, and it is determined whether the accumulated interest on the outstanding balance of the credit card account needs to be recorded. If it needs to be recorded, the recording activity is further called to perform the recording process; the transaction that meets the interest calculation conditions includes one or more of initiating a cash withdrawal to settle the repayment transaction, initiating an overdue full repayment transaction, and initiating an installment early settlement transaction.

[0010] Preferably, step S100 also includes: dividing the credit card account business batch processing operations into deferred activities, billing activities, periodic activities and penalty activities, and calling corresponding activities to perform business processing based on business scenarios.

[0011] Preferably, the entry activity is used to process account transactions;

[0012] The deferred activities are used to assess the deferred status of credit card accounts and support the increase or decrease of deferred ratings;

[0013] The billing activity is used to calculate the billing amount, the minimum amount to be repaid, and process billing on the credit card account billing date;

[0014] The cycle activity is used to record transaction information, account status, and cycle processing day information within the credit card account cycle;

[0015] The penalty activity is used to calculate and collect overdue penalty for accounts that fail to repay on time.

[0016] Preferably, the interest calculation microservice in step S200 is used to obtain the interest calculation base, interest calculation rate, interest calculation days and interest calculation day factor required for calculating the interest of each transaction, and calculate the accumulated interest on the outstanding balance of the credit card account based on the interest calculation base, interest calculation rate, interest calculation days and interest calculation day factor;

[0017] The interest accounting microservice is used to receive the accumulated interest on the credit card account balance returned by the interest calculation microservice, and determine whether the accumulated interest on the credit card account balance needs to be accounted for. If it needs to be accounted for, the accounting activity is called to perform the accounting process.

[0018] Preferably, the accumulated interest on the outstanding balance of the credit card account is obtained by calculating the product of the interest-bearing base, the interest-bearing rate, the number of interest-bearing days and the interest-bearing day factor.

[0019] Preferably, the step S300 includes:

[0020] When the transaction that meets the interest calculation conditions is a cash withdrawal settlement and repayment transaction, the interest calculation microservice is called to calculate the interest on the cash withdrawal arrears, and based on the interest accounting microservice, it is determined that the interest on the cash withdrawal arrears needs to be accounted for, and the interest accounting microservice calls the accounting activity to process the interest on the cash withdrawal arrears;

[0021] When the transaction that meets the interest calculation conditions is a transaction that initiates an overdue full repayment, both the transaction that is no longer entitled to the interest-free treatment due to the overdue period and the transaction that does not enjoy the interest-free treatment will generate interest; the interest calculation microservice is called to calculate the accumulated interest on the outstanding balance, and based on the interest accounting microservice, it is determined that the accumulated interest on the outstanding balance needs to be accounted for, and the interest accounting microservice calls the accounting activity to process the accumulated interest on the outstanding balance;

[0022] When the transaction that meets the interest calculation conditions is a transaction that initiates early installment settlement, the interest calculation microservice is called to calculate the accumulated interest on the installment balance under the credit card account, and based on the interest accounting microservice, it is determined that the accumulated interest on the installment balance needs to be accounted for, and the interest accounting microservice calls the accounting activity to perform interest accounting processing on the accumulated interest on the installment balance.

[0023] Preferably, the step S300 includes:

[0024] The interest calculation microservice and the interest accounting microservice are called in the online processing, and the accumulated interest on the credit card account as of the calling date is calculated in real time based on the interest calculation microservice, and it is determined based on the interest accounting microservice whether the accumulated interest on the credit card account needs to be accounted. If it needs to be accounted, the accounting activity is called based on the interest accounting microservice to perform accounting processing.

[0025] The second technical solution adopted by the present invention is: a system for real-time interest calculation of credit cards based on transaction triggering, comprising an activity module, a microservice module and a real-time interest calculation module;

[0026] The activity module is used to divide the credit card account business batch processing operation into an entry activity and an interest activity;

[0027] The microservice module is used to split the interest activity into an interest calculation microservice and an interest crediting microservice;

[0028] The real-time interest calculation module is used to call the interest activity to calculate the accumulated interest on the credit card account when a transaction that meets the interest calculation conditions occurs, and to determine whether the accumulated interest on the credit card account needs to be recorded. If it needs to be recorded, the recording activity is further called to perform the recording process; the transactions that meet the interest calculation conditions include one or more of initiating cash withdrawal and repayment transactions, initiating overdue full repayment transactions, and initiating installment early settlement transactions.

[0029] Preferably, the real-time interest calculation module is used to perform the following operations:

[0030] When the transaction that meets the interest calculation conditions is a cash withdrawal settlement and repayment transaction, the interest calculation microservice is called to calculate the interest on the cash withdrawal arrears, and based on the interest accounting microservice, it is determined that the interest on the cash withdrawal arrears needs to be accounted for, and the interest accounting microservice calls the accounting activity to process the interest on the cash withdrawal arrears;

[0031] When the transaction that meets the interest calculation conditions is a transaction that initiates an overdue full repayment, both the transaction that is no longer entitled to the interest-free treatment due to the overdue period and the transaction that does not enjoy the interest-free treatment will generate interest; the interest calculation microservice is called to calculate the accumulated interest on the outstanding balance, and based on the interest accounting microservice, it is determined that the accumulated interest on the outstanding balance needs to be accounted for, and the interest accounting microservice calls the accounting activity to process the accumulated interest on the outstanding balance;

[0032] When the transaction that meets the interest calculation conditions is a transaction that initiates early installment settlement, the interest calculation microservice is called to calculate the accumulated interest on the installment balance under the credit card account, and based on the interest accounting microservice, it is determined that the accumulated interest on the installment balance needs to be accounted for, and the interest accounting microservice calls the accounting activity to perform interest accounting processing on the accumulated interest on the installment balance.

[0033] Preferably, the real-time interest calculation module performs the following operations:

[0034] The interest calculation microservice and the interest accounting microservice are called in the online processing, and the accumulated interest on the credit card account as of the calling date is calculated in real time based on the interest calculation microservice, and it is determined based on the interest accounting microservice whether the accumulated interest on the credit card account needs to be accounted. If it needs to be accounted, the accounting activity is called based on the interest accounting microservice to perform accounting processing.

[0035] Beneficial effects of the above technical solution:

[0036] (1) The present invention provides a method for real-time credit card interest calculation based on transaction triggering, which introduces a real-time credit card interest calculation function. Whenever a transaction that meets the interest calculation conditions occurs, the corresponding interest is calculated immediately and the interest is recorded in real time; the cardholder is informed of the interest generated by each transaction at any time, and has a more accurate and timely grasp of his or her consumption costs and debt status, which helps the cardholder to better plan his or her personal finances and repayment plans, and improves the cardholder's card usage experience.

[0037] (2) During the batch processing of credit card accounts, a series of core business scenarios including interest, penalty, delay, cycle, bill, and collection are processed centrally. The processing of different business scenarios is coupled and cannot be called during online services. The present invention abstracts and separates the account processing content originally coupled in the account batch processing, and separates out highly cohesive but mutually low-coupled processing activities: account entry activities, delay activities, bill activities, cycle activities, interest activities, and penalty activities. The separated activities are further transformed into microservices to form independent microservices. These microservices can be called during batch processing or during online services. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] Figure 1 A schematic diagram of activity processing provided for one embodiment of the present invention;

[0039] Figure 2 A schematic diagram of microservice processing provided for one embodiment of the present invention;

[0040] Figure 3 A schematic diagram of real-time interest calculation processing provided by one embodiment of the present invention;

[0041] Figure 4 A schematic diagram of the structure of a real-time credit card interest calculation system based on transaction triggering provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0042] 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.

[0043] 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.

[0044] Embodiment 1

[0045] An embodiment of the present invention provides a method for real-time interest calculation of a credit card based on transaction triggering, comprising the following steps:

[0046] S100: The credit card account business batch processing operations are divided into entry activities, deferred activities, billing activities, cycle activities, interest activities and penalty activities;

[0047] The entry activity is used to process account transactions;

[0048] The deferred activities are used to assess the deferred status of credit card accounts and support the increase or decrease of deferred ratings;

[0049] The billing activity is used to calculate the billing amount, the minimum amount to be repaid, and process billing on the credit card account billing date;

[0050] The cycle activity is used to record transaction information, account status, cycle processing day information, etc. within the credit card account cycle;

[0051] The interest activity is used to calculate the accumulated interest on the outstanding balance of the credit card account and determine whether to record it in the account;

[0052] The penalty activity is used to calculate and collect overdue penalty for accounts that fail to repay on time.

[0053] like Figure 1 As shown, there is low coupling between activities, and the same activity can be used in different business scenarios. For example, the accounting activity can be performed in the interest settlement scenario, the penalty collection scenario, and the account batch processing scenario; and different business scenarios can be realized by associating different activities; for example, the business scenario of transaction accounting only needs to perform accounting activity processing, and the business scenario of interest settlement accounting first performs interest activity and then accounting activity; at the same time, the activities have high cohesion, and multiple activities can be processed in the same business scenario.

[0054] S200: Split the interest activity into the interest calculation microservice and the interest entry microservice;

[0055] like Figure 2 As shown, the interest activity is split into the interest calculation microservice and the interest entry microservice;

[0056] The interest calculation microservice is used to obtain the interest calculation base, interest rate, number of interest-bearing days and interest-bearing day factor required for calculating the interest of each transaction, and calculate the accumulated interest on the credit card account arrears based on the interest calculation base, interest rate, number of interest-bearing days and interest-bearing day factor. The accumulated interest on the credit card account arrears = interest calculation base × interest calculation rate × number of interest-bearing days × interest calculation day factor;

[0057] The interest accounting microservice is used to receive the accumulated interest on the credit card account balance returned by the interest calculation microservice, and determine whether the accumulated interest on the credit card account balance needs to be accounted for. If it needs to be accounted for, the accounting activity is called to perform the accounting process; for example, if the accumulated interest on the credit card account balance with no interest-free period (for example, interest on cash withdrawal triggers an accounting activity) needs to be accounted for, the accounting activity is called to perform the accounting process, while the accumulated interest on the credit card account balance with an interest-free period and meeting the interest-free rules (for example, consumption interest) will not be accounted for, that is, the accounting activity will not be triggered.

[0058] The microservices of an activity are loosely coupled with each other, and different business scenarios can call different microservices for business processing. The same microservice can also be called in different activities. For example, the interest calculation microservice can be called in interest activities, related activities under the accumulated interest query business scenario, and related activities under the real-time interest settlement related business scenario. At the same time, the activity processing supports calling multiple microservices for processing.

[0059] For example, the interest calculation microservice and the interest accounting microservice are loosely coupled, and different business scenarios can call different microservices for processing; for example, the accumulated interest query service for arrears only needs to query the accumulated interest amount of the account, and only needs to call the interest calculation microservice; for interest activities in account batch processing, it is necessary to calculate the latest accumulated interest amount of the account and record it in the account, and it is necessary to call the interest calculation microservice and the interest accounting microservice at the same time.

[0060] S300: Calling corresponding activities to perform business processing based on business scenarios, including when a transaction that meets the interest calculation conditions occurs (i.e., real-time interest settlement processing business scenario), calling the interest activity to calculate the accumulated interest on the credit card account and determine whether it needs to be recorded. If it needs to be recorded, further calling the recording activity to perform recording processing.

[0061] For example, online processing supports calling interest activities based on business scenarios. By calling the interest calculation microservice and interest accounting microservice in the interest activity in online processing, the accumulated interest on the credit card account as of the calling date is calculated in real time based on the interest calculation microservice, and based on the interest accounting microservice, it is determined whether the accumulated interest on the credit card account needs to be recorded. If it needs to be recorded, the corresponding accounting activity is called for accounting processing.

[0062] like Figure 3As shown, when a transaction that meets the interest calculation conditions (such as initiating a cash withdrawal and repayment transaction, initiating an overdue full repayment transaction, or initiating an installment early settlement transaction, etc.) occurs (i.e., a real-time interest calculation processing business scenario), the interest calculation microservice and the interest accounting microservice can be called to calculate the corresponding interest, and support real-time judgment after calculation whether the interest needs to be accounted. If it needs to be accounted, the accounting activity is called for accounting processing;

[0063] (1) Cash withdrawal and repayment transaction scenario;

[0064] Credit card cash withdrawals usually do not enjoy an interest-free period, and interest will be calculated from the day of withdrawal; for example, the credit card bill date is the 20th, and the cardholder withdraws 2,000 yuan on the 1st, with a withdrawal fee of 10 yuan (assuming that the bank stipulates that the fee is not included in the withdrawal principal and interest is not accrued, and only the withdrawal principal is accrued), and the daily interest rate is 0.05%, then the accumulated interest for this withdrawal is 2,000 × 0.0005 = 1 yuan per day. On the 10th, the cardholder plans to pay off the withdrawal debt, and interest continues to accumulate over time. The real-time account interest is 9 yuan. The amount the cardholder needs to repay the outstanding debt is 2,000 + 10 + 9 = 2,019 yuan.

[0065] The cardholder initiates a cash withdrawal to settle the repayment transaction according to the total outstanding amount after inquiry. At this time, it is determined that the repayment transaction meets the interest calculation conditions, and the interest calculation microservice is called to calculate the cash withdrawal outstanding interest amount of 9 yuan. Based on the interest accounting microservice, it is determined that the cash withdrawal outstanding interest amount of 9 yuan needs to be recorded. The interest accounting microservice calls the accounting activity to process the cash withdrawal interest amount. The cardholder withdraws cash to repay and pays off the outstanding balance and the accumulated interest at the same time.

[0066] When the interest activity on the 20th billing day is processed, no cash withdrawal interest will be credited to the account.

[0067] Under the real-time interest calculation mechanism, when the cardholder withdraws cash to settle the repayment, the system immediately calculates the accumulated interest on the withdrawal as of the repayment date based on the withdrawal amount, withdrawal fee and agreed daily interest rate, and records it in real time.

[0068] (2) Overdue full repayment transaction scenario;

[0069] If the cardholder repays the account after the grace period on the last repayment date or repays the overdue account, interest will be incurred for transactions that are no longer eligible for interest-free treatment and transactions that do not enjoy interest-free treatment. If the cardholder plans to initiate an overdue full repayment transaction, the system will first call the interest calculation microservice in the interest activity to calculate the corresponding interest when querying the total overdue amount. The query result includes the total overdue amount and the accumulated interest on the arrears (including the accumulated interest on consumption arrears, the accumulated interest on cash withdrawal arrears, the accumulated interest on installment arrears, etc.).

[0070] The cardholder initiates an overdue full repayment transaction according to the total overdue amount after query. At this time, the system determines that the repayment transaction meets the interest calculation conditions, and calls the interest calculation microservice to calculate the accumulated interest on the outstanding balance (including the accumulated interest on consumption outstanding balance, the accumulated interest on cash withdrawal outstanding balance, the accumulated interest on installment outstanding balance, etc.), and based on the interest accounting microservice, determines that the accumulated interest on the outstanding balance needs to be accounted for. The interest accounting microservice calls the accounting activity to process the accumulated interest on the outstanding balance. The cardholder repays the overdue full amount at the same time to pay off the outstanding balance and the accumulated interest.

[0071] When interest activities are processed on the billing date, no interest will be credited to the account.

[0072] Under the real-time interest calculation mechanism, when a cardholder makes an overdue full repayment, the system immediately calculates the accumulated interest up to the due date according to the agreed daily interest rate for all overdue debts in the account, and records it in real time.

[0073] (3) Transaction scenarios where installments are settled in advance;

[0074] If the cardholder plans to initiate an installment early settlement transaction, the system will first call the interest calculation microservice in the interest activity to calculate the accumulated interest on the installment balance under the credit card account when querying the total outstanding balance of the credit card account in real time. The query result includes the total outstanding balance of the credit card account and the accumulated interest on the installment balance under the credit card account.

[0075] The cardholder initiates an early installment settlement transaction according to the total outstanding balance of the account after inquiry. At this time, the system determines that the repayment transaction meets the interest calculation conditions, calls the interest calculation microservice to calculate the accumulated outstanding interest of the installment under the credit card account, and determines that the accumulated outstanding interest of the installment needs to be recorded based on the interest recording microservice. The interest recording microservice calls the recording activity to process the interest recording of the accumulated outstanding interest of the installment. The cardholder settles the installment in advance and pays off the installment outstanding balance, early settlement fee and accumulated interest at the same time.

[0076] When the interest activity is processed on the billing date, no interest will be credited to the installment transaction.

[0077] Under the real-time interest calculation mechanism, when a cardholder settles an installment payment early, the system immediately calculates the accumulated interest up to the due date based on the agreed daily interest rate for the installment balance under the account, and records it in real time.

[0078] Based on actual business needs, the present invention can call interest activities in real time in cardholder transactions as needed. For example, when the cardholder wants to settle the account balance and initiates the business demand for the settlement transaction, the interest calculation microservice and the interest accounting microservice in the interest activity are called to settle the accumulated interest amount originally planned to be recorded in the future account batch processing in real time. During this processing, the interest settlement activity generates one or more interest accounting transactions separately, that is, the settlement transaction initiated by the cardholder will generate two transactions, namely, an interest accounting transaction and a settlement repayment accounting transaction, so as to update the account balance according to normal accounting processing.

[0079] Embodiment 2

[0080] like Figure 4 As shown, an embodiment of the present invention provides a system for real-time interest calculation of credit cards based on transaction triggering, including an activity module, a microservice module and a real-time interest calculation module;

[0081] The activity module is used to divide the credit card account business batch processing operation into an entry activity and an interest activity;

[0082] The microservice module is used to split the interest activity into an interest calculation microservice and an interest crediting microservice;

[0083] The real-time interest calculation module is used to call the interest activity to calculate the accumulated interest on the credit card account when a transaction that meets the interest calculation conditions occurs, and to determine whether the accumulated interest on the credit card account needs to be recorded. If it needs to be recorded, the recording activity is further called to perform the recording process.

[0084] The transactions that meet the interest calculation conditions include one or more of initiating a cash withdrawal and repayment transaction, initiating an overdue full repayment transaction, and initiating an installment early settlement transaction.

[0085] The real-time interest calculation module performs the following operations:

[0086] The interest calculation microservice and the interest accounting microservice are called in the online processing, and the accumulated interest on the credit card account as of the calling date is calculated in real time based on the interest calculation microservice, and it is determined based on the interest accounting microservice whether the accumulated interest on the credit card account needs to be accounted. If it needs to be accounted, the accounting activity is called based on the interest accounting microservice to perform accounting processing.

[0087] 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.

[0088] 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.

[0089] 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.

[0090] 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.

[0091] 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.

[0092] 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 method for calculating interest on a credit card in real time based on transaction triggering, characterized in that ,, including the following steps: S100: dividing the credit card account business batch processing operation into entry activities and interest activities; S200: Split the interest activity into an interest calculation microservice and an interest crediting microservice; S3 00: When a transaction that meets the interest calculation conditions occurs, the interest activity is called to calculate the accumulated interest on the credit card account outstanding balance, and it is determined whether the accumulated interest on the credit card account outstanding balance needs to be recorded; if it needs to be recorded, the recording activity is further called to perform the recording process; the transaction that meets the interest calculation conditions includes one or more of initiating a cash withdrawal to settle the repayment transaction, initiating an overdue full repayment transaction, and initiating an installment early settlement transaction.

2. The method for calculating interest on a credit card in real time according to claim 1, characterized in that: Step S100 also includes: dividing the credit card account business batch processing operations into deferred activities, billing activities, periodic activities and penalty activities, and calling corresponding activities to perform business processing based on business scenarios.

3. The method for calculating interest on a credit card in real time according to claim 2, characterized in that: The entry activity is used to process account transactions; The deferred activities are used to assess the deferred status of credit card accounts and support the increase or decrease of deferred ratings; The billing activity is used to calculate the billing amount, the minimum amount to be repaid, and process billing on the credit card account billing date; The cycle activity is used to record transaction information, account status, and cycle processing day information within the credit card account cycle; The penalty activity is used to calculate and collect overdue penalty for accounts that fail to repay on time.

4. The method for calculating interest on a credit card in real time according to claim 1, characterized in that: The interest calculation microservice in step S200 is used to obtain the interest calculation base, interest calculation rate, interest calculation days and interest calculation day factor required for calculating the interest of each transaction, and calculate the accumulated interest on the outstanding balance of the credit card account based on the interest calculation base, interest calculation rate, interest calculation days and interest calculation day factor; The interest accounting microservice is used to receive the accumulated interest on the credit card account balance returned by the interest calculation microservice, and determine whether the accumulated interest on the credit card account balance needs to be accounted for. If it needs to be accounted for, the accounting activity is called to perform the accounting process.

5. The method for real-time interest calculation of credit cards according to claim 4, characterized in that: The accumulated interest on the outstanding balance of the credit card account is obtained by calculating the product of the interest-bearing base, the interest-bearing rate, the number of interest-bearing days and the interest-bearing day factor.

6. The method for calculating interest on a credit card in real time according to claim 1, characterized in that: The step S300 includes: When the transaction that meets the interest calculation conditions is a cash withdrawal settlement and repayment transaction, the interest calculation microservice is called to calculate the interest on the cash withdrawal arrears, and based on the interest accounting microservice, it is determined that the interest on the cash withdrawal arrears needs to be accounted for, and the interest accounting microservice calls the accounting activity to process the interest on the cash withdrawal arrears; When the transaction that meets the interest calculation conditions is a transaction that initiates an overdue full repayment, both the transaction that is no longer entitled to the interest-free treatment due to the overdue period and the transaction that does not enjoy the interest-free treatment will generate interest; the interest calculation microservice is called to calculate the accumulated interest on the outstanding balance, and based on the interest accounting microservice, it is determined that the accumulated interest on the outstanding balance needs to be accounted for, and the interest accounting microservice calls the accounting activity to process the accumulated interest on the outstanding balance; When the transaction that meets the interest calculation conditions is a transaction that initiates early installment settlement, the interest calculation microservice is called to calculate the accumulated interest on the installment balance under the credit card account, and based on the interest accounting microservice, it is determined that the accumulated interest on the installment balance needs to be accounted for, and the interest accounting microservice calls the accounting activity to perform interest accounting processing on the accumulated interest on the installment balance.

7. The method for calculating interest on a credit card in real time according to claim 1, characterized in that: The step S300 includes: The interest calculation microservice and the interest accounting microservice are called in the online processing, and the accumulated interest on the credit card account as of the calling date is calculated in real time based on the interest calculation microservice, and it is determined based on the interest accounting microservice whether the accumulated interest on the credit card account needs to be accounted. If it needs to be accounted, the accounting activity is called based on the interest accounting microservice to perform accounting processing.

8. A system for real-time interest calculation of credit cards based on transaction triggering, characterized in that ,, including activity module, microservice module and real-time interest calculation module; The activity module is used to divide the credit card account business batch processing operation into an entry activity and an interest activity; The microservice module is used to split the interest activity into an interest calculation microservice and an interest crediting microservice; The real-time interest calculation module is used to call the interest activity to calculate the accumulated interest on the credit card account balance when a transaction that meets the interest calculation conditions occurs, and to determine whether the accumulated interest on the credit card account balance needs to be recorded. If it needs to be recorded, the recording activity is further called to perform the recording process; the transactions that meet the interest calculation conditions include one or more of initiating a cash withdrawal to settle the repayment transaction, initiating an overdue full repayment transaction, and initiating an installment early settlement transaction.

9. The system for calculating interest on credit cards in real time according to claim 8, characterized in that: The real-time interest calculation module is used to perform the following operations: When the transaction that meets the interest calculation conditions is a cash withdrawal settlement and repayment transaction, the interest calculation microservice is called to calculate the interest on the cash withdrawal arrears, and based on the interest accounting microservice, it is determined that the interest on the cash withdrawal arrears needs to be accounted for, and the interest accounting microservice calls the accounting activity to process the interest on the cash withdrawal arrears; When the transaction that meets the interest calculation conditions is a transaction that initiates an overdue full repayment, both the transaction that is no longer entitled to the interest-free treatment due to the overdue period and the transaction that does not enjoy the interest-free treatment will generate interest; the interest calculation microservice is called to calculate the accumulated interest on the outstanding balance, and based on the interest accounting microservice, it is determined that the accumulated interest on the outstanding balance needs to be accounted for, and the interest accounting microservice calls the accounting activity to process the accumulated interest on the outstanding balance; When the transaction that meets the interest calculation conditions is a transaction that initiates early installment settlement, the interest calculation microservice is called to calculate the accumulated interest on the installment balance under the credit card account, and based on the interest accounting microservice, it is determined that the accumulated interest on the installment balance needs to be accounted for, and the interest accounting microservice calls the accounting activity to perform interest accounting processing on the accumulated interest on the installment balance.

10. The system for calculating interest on credit cards in real time according to claim 8, characterized in that: The real-time interest calculation module performs the following operations: The interest calculation microservice and the interest accounting microservice are called in the online processing, and the accumulated interest on the credit card account as of the calling date is calculated in real time based on the interest calculation microservice, and it is determined based on the interest accounting microservice whether the accumulated interest on the credit card account needs to be accounted. If it needs to be accounted, the accounting activity is called based on the interest accounting microservice to perform accounting processing.

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