CN105894264A - Payment method and device based on credit and loan payment ways and terminal - Google Patents
Payment method and device based on credit and loan payment ways and terminal Download PDFInfo
- Publication number
- CN105894264A CN105894264A CN201610196786.8A CN201610196786A CN105894264A CN 105894264 A CN105894264 A CN 105894264A CN 201610196786 A CN201610196786 A CN 201610196786A CN 105894264 A CN105894264 A CN 105894264A
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- China
- Prior art keywords
- payment methods
- credit
- credit payment
- interest
- day
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
Abstract
The invention provides a payment method and device based on credit and loan payment ways and a terminal. The payment method based on credit and loan payment ways comprises steps of: computing the attribute information of associated credit and loan payment ways when a payment request is received; and paying by using the credit and loan payment way, with the attribute information consistent with a predetermined condition, in the associated credit and loan payment ways. The payment method enables a user to be entitled to bank interest-free service to the utmost extent and improves user experience of overdraft payment.
Description
Technical field
The present invention relates to field of terminal technology, in particular to a kind of based on credit Payment Methods
Mode of payment, a kind of payment devices based on credit Payment Methods and a kind of terminal.
Background technology
At present, a lot of users are to have multiple credit Payment Methods using simultaneously, as credit card, the
Tripartite's platforms etc., facilitate the life of user.
But, different bank, different classes of credit Payment Methods bill day different, arbitrary
When time pays, the current free of interest day of the multiple credit Payment Methods of user will be different,
But, in this case, user cannot calculate each credit Payment Methods clearly, quickly
Current free of interest day.
It is thus desirable to a kind of new technical scheme, can automatically calculate the current of multiple credit Payment Methods
The attribute informations such as free of interest day, to select suitable credit Payment Methods to complete payment.
Summary of the invention
The present invention is based on the problems referred to above, it is proposed that a kind of new technical scheme, can automatically calculate
The attribute informations such as the current free of interest day of multiple credit Payment Methods, to select suitable credit Payment Methods
Complete payment.
In view of this, an aspect of of the present present invention proposes a kind of paying party based on credit Payment Methods
Method, including: when receiving payment request, calculate the multiple attribute letter having associated credit Payment Methods
Breath；The described multiple described attribute information associated in credit Payment Methods is used to conform to a predetermined condition
Credit Payment Methods are paid the bill.
In this technical scheme, when carrying out the affairs such as shopping online, it is possible to use attribute information meets pre-
The credit Payment Methods of fixed condition are paid the bill, such that user can be made to enjoy bank to greatest extent
Free of interest service, improves the overdraw payment experience of user.
Wherein, the credit Payment Methods associated can include one or more credit card, it is also possible to bag
Include the overdraw service from third-party platform, such as Jingdone district informal voucher etc., certainly, the credit payment associated
Mode can also is that other any credit Payment Methods the most in addition.
In technique scheme, it is preferable that described attribute information includes at least one of or group
Close: current free of interest day, do not go out billing amount, refund interest rate, Payment Methods positive rating, automatically refund
Binding situation.
In this technical scheme, the attribute information of credit Payment Methods include but not limited to one of above-mentioned or
Combination, user can select the required attribute information considered according to self-demand, in order to it is suitable to select
Credit Payment Methods.
Wherein, when the credit Payment Methods of association are multiple credits card, it is possible to use currently free of interest
Day, the one or more conduct letter not gone out in billing amount, refund interest rate, automatic refund binding situation
The foundation selected with card, such as, the credit card that billing amount can be selected not out minimum is paid the bill,
Or select out, in current free of interest exceedes the credit card of predetermined number of days day, the credit that billing amount is minimum
Card, the minimum credit card of refund interest rate or bound the credit card of refund automatically.When the credit of association is paid
When money mode is the third-party platform credit Payment Methods that Jingdone district informal voucher etc. does not have bill day, due to it
Refund in needing the target date after consumption, then can only consider refund interest rate and/or automatically refund
Binding situation.And if the credit Payment Methods associated include credit card and third-party platform credit simultaneously
Payment Methods, then can only consider refund interest rate and/or automatic refund binding situation, as selected to refund
Credit Payment Methods that interest rate is minimum, the credit Payment Methods of the binding that selects automatically to refund or in dynamic refund
The credit Payment Methods of binding select the one of refund interest rate, it is of course also possible to calculate credit respectively
Card do not go out billing amount and third-party platform currently treat the refund amount of money.
In technique scheme, it is preferable that when described attribute information is described current free of interest day,
Described predetermined condition is that described current free of interest day is the longest, and the most described calculating is multiple has associated credit paying party
The attribute information of formula, specifically includes: obtain the described multiple every kind of letter associated in credit Payment Methods
Borrow the repayment date of Payment Methods；According to current date and the repayment date of described every kind of credit Payment Methods,
Calculate the current free of interest day of described every kind of credit Payment Methods；And associated letter described calculating is multiple
Before borrowing the attribute information of Payment Methods, also include: store and described multiple associated credit Payment Methods
In the repayment date of described every kind of credit Payment Methods.
In this technical scheme, the repayment date of every kind of credit Payment Methods can be stated according to current date,
Calculating the current free of interest day of every kind of credit Payment Methods, wherein, every kind of credit Payment Methods can release
Association, it is of course also possible to be the credit Payment Methods that terminal association is new.By this technical scheme, make
User can enjoy the services such as bank's free of interest to greatest extent, and the overdraw payment improving user uses body
Test.
Such as, the mobile phone association creditable card A and credit card B of user, the bill day of credit card A
Being monthly 6 days, repayment date is monthly 24 days, and credit card B bill day is monthly 10 days, repayment date
It it is monthly 28 days, when when using credit card funded payment on mobile phone January 1, credit card A is current
Interest-free day be 23 days, interest-free day current for credit card B is 27 days, therefore mobile phone can directly be selected
The repayment date credit card B that namely current free of interest day is longer relatively late pays the bill.
In this technical scheme, when being every time the new credit Payment Methods of terminal association, can directly record
Enter the repayment date of these credit Payment Methods, or directly enter at network according to the information of these credit Payment Methods
Row inquiry, automatically to obtain the repayment date of these credit Payment Methods, such that it is able to this credit paying party
The repayment date of formula stores, in case calling.
In any of the above-described technical scheme, it is preferable that when described attribute information be described do not go out bill gold
During volume, described predetermined condition be described do not go out billing amount less than predetermined dollar value, then in described use institute
State the credit paying party that the multiple described attribute information associated in credit Payment Methods conforms to a predetermined condition
Before formula is paid the bill, also include: obtain described multiple associated credit Payment Methods do not go out bill
The amount of money；Billing amount at least one credit paying party less than described predetermined dollar value is not gone out described in determining
Formula, for the target credit paying party selected at least one credit Payment Methods described for payment
Formula.
In this technical scheme, may only directly not select current in the relevant credit Payment Methods of institute
Free of interest day, the longest credit Payment Methods were paid the bill, it is also possible to by current free of interest day with not go out bill golden
Volume carries out the selection of credit Payment Methods together as merging condition, say, that can not enter an item of expenditure in the accounts
Single amount of money selects wherein current free of interest day the longest less than at least one credit Payment Methods of predetermined dollar value
A kind of credit Payment Methods are paid the bill.By this technical scheme, length and the letter to current free of interest day
The billing amount that do not goes out borrowing Payment Methods has carried out comprehensive consideration, it is simple to select credit preferably to pay the bill
Mode pays, and improves Consumer's Experience.
In any of the above-described technical scheme, it is preferable that the described multiple credit that associated of described use is paid the bill
The credit Payment Methods that described attribute information in mode conforms to a predetermined condition are paid the bill, including: really
Fixed described current free of interest day is more than or equal at least one credit Payment Methods to be selected of the scheduled time；?
The credit payment that billing amount is minimum is not gone out described at least one credit Payment Methods to be selected described select
Mode is paid the bill.
In this technical scheme, using current free of interest day with do not go out billing amount together with merging condition
When carrying out the selection of credit Payment Methods, it is also possible to day exceed at least the one of the scheduled time at current free of interest
Plant a kind of credit Payment Methods selecting out billing amount minimum in credit Payment Methods to pay the bill.
By this technical scheme, the current free of interest length of day and the billing amount that do not goes out of credit Payment Methods are entered
Go comprehensive consideration, it is simple to select credit Payment Methods preferably to pay, improve user's body
Test.
Such as, terminal can at least have three kinds of Payment Methods relevant to credit card: directly selects
The credit card that currently free of interest day is the longest carries out paying the bill, not going out billing amount less than predetermined dollar value at least
One credit card selects the credit card that wherein current free of interest day is the longest to carry out paying the bill, surpassing in current free of interest day
Cross and at least one credit card of the scheduled time selects out the credit card that billing amount is minimum carry out paying
Money, these three mode can be carried one by terminal, or can by terminal according to the information of credit card and
Actual payment scenario selects optimal one, or can be selected by the operating habit of terminal counting user
Select the most frequently used one, or these three Payment Methods can be provided by terminal, and according to coming of receiving
From the select command of user, three kinds of Payment Methods select required Payment Methods.
Another aspect of the present invention proposes a kind of payment device based on credit Payment Methods, including:
Free of interest day computing unit, when receiving payment request, calculates the multiple credit Payment Methods of having associated
Attribute information；Credit Payment Methods Payment Unit, uses described multiple associated in credit Payment Methods
The credit Payment Methods that conform to a predetermined condition of described attribute information pay the bill.
In this technical scheme, when carrying out the affairs such as shopping online, it is possible to use attribute information meets pre-
The credit Payment Methods of fixed condition are paid the bill, such that user can be made to enjoy bank to greatest extent
Free of interest service, improves the overdraw payment experience of user.
Wherein, the credit Payment Methods associated can include one or more credit card, it is also possible to bag
Include the overdraw service from third-party platform, such as Jingdone district informal voucher etc., certainly, the credit payment associated
Mode can also is that other any credit Payment Methods the most in addition.
In technique scheme, it is preferable that described attribute information includes at least one of or group
Close: current free of interest day, do not go out billing amount, refund interest rate, Payment Methods positive rating, automatically refund
Binding situation.
In this technical scheme, the attribute information of credit Payment Methods include but not limited to one of above-mentioned or
Combination, user can select the required attribute information considered according to self-demand, in order to it is suitable to select
Credit Payment Methods.
Wherein, when the credit Payment Methods of association are multiple credits card, it is possible to use currently free of interest
Day, the one or more conduct letter not gone out in billing amount, refund interest rate, automatic refund binding situation
The foundation selected with card, such as, the credit card that billing amount can be selected not out minimum is paid the bill,
Or select out, in current free of interest exceedes the credit card of predetermined number of days day, the credit that billing amount is minimum
Card, the minimum credit card of refund interest rate or bound the credit card of refund automatically.When the credit of association is paid
When money mode is the third-party platform credit Payment Methods that Jingdone district informal voucher etc. does not have bill day, due to it
Refund in needing the target date after consumption, then can only consider refund interest rate and/or automatically refund
Binding situation.And if the credit Payment Methods associated include credit card and third-party platform credit simultaneously
Payment Methods, then can only consider refund interest rate and/or automatic refund binding situation, as selected to refund
Credit Payment Methods that interest rate is minimum, the credit Payment Methods of the binding that selects automatically to refund or in dynamic refund
The credit Payment Methods of binding select the one of refund interest rate, it is of course also possible to calculate credit respectively
Card do not go out billing amount and third-party platform currently treat the refund amount of money.
In technique scheme, it is preferable that when described attribute information is described current free of interest day,
Described predetermined condition is that described current free of interest day is the longest, and the most described free of interest day computing unit includes: refund
Day acquiring unit, obtains the described multiple every kind of credit Payment Methods associated in credit Payment Methods
Repayment date；Described free of interest day computing unit specifically for: pay according to current date and described every kind of credit
The repayment date of money mode, calculates the current free of interest day of described every kind of credit Payment Methods；And described base
Payment device in credit Payment Methods also includes: repayment date memory cell, multiple in described calculating
Before the attribute information of association credit Payment Methods, store described multiple associated in credit Payment Methods
The repayment date of described every kind of credit Payment Methods.
In this technical scheme, the repayment date of every kind of credit Payment Methods can be stated according to current date,
Calculating the current free of interest day of every kind of credit Payment Methods, wherein, every kind of credit Payment Methods can release
Association, it is of course also possible to be the credit Payment Methods that terminal association is new.By this technical scheme, make
User can enjoy the services such as bank's free of interest to greatest extent, and the overdraw payment improving user uses body
Test.
Such as, the mobile phone association creditable card A and credit card B of user, the bill day of credit card A
Being monthly 6 days, repayment date is monthly 24 days, and credit card B bill day is monthly 10 days, repayment date
It it is monthly 28 days, when when using credit card funded payment on mobile phone January 1, credit card A is current
Interest-free day be 23 days, interest-free day current for credit card B is 27 days, therefore mobile phone can directly be selected
The repayment date credit card B that namely current free of interest day is longer relatively late pays the bill.
In this technical scheme, when being every time the new credit Payment Methods of terminal association, can directly record
Enter the repayment date of these credit Payment Methods, or directly enter at network according to the information of these credit Payment Methods
Row inquiry, automatically to obtain the repayment date of these credit Payment Methods, such that it is able to this credit paying party
The repayment date of formula stores, in case calling.
In any of the above-described technical scheme, it is preferable that when described attribute information be described do not go out bill gold
During volume, described predetermined condition be described do not go out billing amount less than predetermined dollar value, then described based on credit
The payment device of Payment Methods also includes: do not go out bill acquiring unit, pays in described credit Payment Methods
Before the credit Payment Methods that money unit uses described attribute information to conform to a predetermined condition are paid the bill, obtain
Take described multiple associated credit Payment Methods do not go out billing amount；Described credit Payment Methods are paid the bill
Unit specifically for: do not go out billing amount described in determining less than at least one credit of described predetermined dollar value
Payment Methods, for the target credit selected at least one credit Payment Methods described for payment
Payment Methods.
In this technical scheme, may only directly not select current in the relevant credit Payment Methods of institute
Free of interest day, the longest credit Payment Methods were paid the bill, it is also possible to by current free of interest day with not go out bill golden
Volume carries out the selection of credit Payment Methods together as merging condition, say, that can not enter an item of expenditure in the accounts
Single amount of money selects wherein current free of interest day the longest less than at least one credit Payment Methods of predetermined dollar value
A kind of credit Payment Methods are paid the bill.By this technical scheme, length and the letter to current free of interest day
The billing amount that do not goes out borrowing Payment Methods has carried out comprehensive consideration, it is simple to select credit preferably to pay the bill
Mode pays, and improves Consumer's Experience.
In any of the above-described technical scheme, it is preferable that described credit Payment Methods Payment Unit is used for:
Determine at least one credit Payment Methods to be selected more than or equal to the scheduled time of described current free of interest day,
And do not go out, described in selection, the credit that billing amount is minimum at least one credit Payment Methods to be selected described
Payment Methods are paid the bill.
In this technical scheme, using current free of interest day with do not go out billing amount together with merging condition
When carrying out the selection of credit Payment Methods, it is also possible to day exceed at least the one of the scheduled time at current free of interest
Plant a kind of credit Payment Methods selecting out billing amount minimum in credit Payment Methods to pay the bill.
By this technical scheme, the current free of interest length of day and the billing amount that do not goes out of credit Payment Methods are entered
Go comprehensive consideration, it is simple to select credit Payment Methods preferably to pay, improve user's body
Test.
Another aspect of the invention proposes a kind of terminal, including according to any one of technique scheme
Payment devices based on credit Payment Methods, therefore, this terminal have with technique scheme in appoint
The technique effect that one described payment device based on credit Payment Methods is identical, the most superfluous at this
State.
By above technical scheme, allow users to enjoy the services such as bank's free of interest to greatest extent, carry
Rise the overdraw payment experience of user.
Accompanying drawing explanation
Fig. 1 shows mode of payment based on credit Payment Methods according to an embodiment of the invention
Flow chart；
Fig. 2 shows payment device based on credit Payment Methods according to an embodiment of the invention
Block diagram；
Fig. 3 shows the block diagram of terminal according to an embodiment of the invention；
Fig. 4 shows the flow chart of credit card funded payment method according to an embodiment of the invention.
Detailed description of the invention
In order to be more clearly understood that the above-mentioned purpose of the present invention, feature and advantage, below in conjunction with attached
The present invention is further described in detail by figure and detailed description of the invention.It should be noted that not
In the case of conflict, the feature in embodiments herein and embodiment can be mutually combined.
Elaborate a lot of detail in the following description so that fully understanding the present invention, but,
The present invention can implement to use other to be different from other modes described here, therefore, and the present invention
Protection domain do not limited by following public specific embodiment.
Fig. 1 shows mode of payment based on credit Payment Methods according to an embodiment of the invention
Flow chart.
As it is shown in figure 1, paying party based on credit Payment Methods according to an embodiment of the invention
Method, including:
Step 102, when receiving payment request, calculates the multiple genus having associated credit Payment Methods
Property information；
Step 104, uses the described multiple described attribute information associated in credit Payment Methods to meet
The credit Payment Methods of predetermined condition are paid the bill.
In this technical scheme, when carrying out the affairs such as shopping online, it is possible to use attribute information meets pre-
The credit Payment Methods of fixed condition are paid the bill, such that user can be made to enjoy bank to greatest extent
Free of interest service, improves the overdraw payment experience of user.
Wherein, the credit Payment Methods associated can include one or more credit card, it is also possible to bag
Include the overdraw service from third-party platform, such as Jingdone district informal voucher etc., certainly, the credit payment associated
Mode can also is that other any credit Payment Methods the most in addition.
In technique scheme, it is preferable that described attribute information includes at least one of or group
Close: current free of interest day, do not go out billing amount, refund interest rate, Payment Methods positive rating, automatically refund
Binding situation.
In this technical scheme, the attribute information of credit Payment Methods include but not limited to one of above-mentioned or
Combination, user can select the required attribute information considered according to self-demand, in order to it is suitable to select
Credit Payment Methods.
Wherein, when the credit Payment Methods of association are multiple credits card, it is possible to use currently free of interest
Day, the one or more conduct letter not gone out in billing amount, refund interest rate, automatic refund binding situation
The foundation selected with card, such as, the credit card that billing amount can be selected not out minimum is paid the bill,
Or select out, in current free of interest exceedes the credit card of predetermined number of days day, the credit that billing amount is minimum
Card, the minimum credit card of refund interest rate or bound the credit card of refund automatically.When the credit of association is paid
When money mode is the third-party platform credit Payment Methods that Jingdone district informal voucher etc. does not have bill day, due to it
Refund in needing the target date after consumption, then can only consider refund interest rate and/or automatically refund
Binding situation.And if the credit Payment Methods associated include credit card and third-party platform credit simultaneously
Payment Methods, then can only consider refund interest rate and/or automatic refund binding situation, as selected to refund
Credit Payment Methods that interest rate is minimum, the credit Payment Methods of the binding that selects automatically to refund or in dynamic refund
The credit Payment Methods of binding select the one of refund interest rate, it is of course also possible to calculate credit respectively
Card do not go out billing amount and third-party platform currently treat the refund amount of money.
In technique scheme, it is preferable that when described attribute information is described current free of interest day,
Described predetermined condition is that described current free of interest day is the longest, then step 102 specifically includes: obtain described many
Plant the repayment date of the every kind of credit Payment Methods associated in credit Payment Methods；According to current date and
The repayment date of described every kind of credit Payment Methods, calculates the current free of interest of described every kind of credit Payment Methods
Day；And before the multiple attribute information having associated credit Payment Methods of described calculating, also include:
Store the repayment date of the described multiple described every kind of credit Payment Methods associated in credit Payment Methods.
In this technical scheme, the repayment date of every kind of credit Payment Methods can be stated according to current date,
Calculating the current free of interest day of every kind of credit Payment Methods, wherein, every kind of credit Payment Methods can release
Association, it is of course also possible to be the credit Payment Methods that terminal association is new.By this technical scheme, make
User can enjoy the services such as bank's free of interest to greatest extent, and the overdraw payment improving user uses body
Test.
Such as, the mobile phone association creditable card A and credit card B of user, the bill day of credit card A
Being monthly 6 days, repayment date is monthly 24 days, and credit card B bill day is monthly 10 days, repayment date
It it is monthly 28 days, when when using credit card funded payment on mobile phone January 1, credit card A is current
Interest-free day be 23 days, interest-free day current for credit card B is 27 days, therefore mobile phone can directly be selected
The repayment date credit card B that namely current free of interest day is longer relatively late pays the bill.
In this technical scheme, when being every time the new credit Payment Methods of terminal association, can directly record
Enter the repayment date of these credit Payment Methods, or directly enter at network according to the information of these credit Payment Methods
Row inquiry, automatically to obtain the repayment date of these credit Payment Methods, such that it is able to this credit paying party
The repayment date of formula stores, in case calling.
In any of the above-described technical scheme, it is preferable that when described attribute information be described do not go out bill gold
During volume, described predetermined condition be described do not go out billing amount less than predetermined dollar value, then step 104 it
Before, also include: obtain described multiple associated credit Payment Methods do not go out billing amount；Determine institute
State out billing amount at least one credit Payment Methods less than described predetermined dollar value, for described
At least one credit Payment Methods selects the target credit Payment Methods for payment.
In this technical scheme, may only directly not select current in the relevant credit Payment Methods of institute
Free of interest day, the longest credit Payment Methods were paid the bill, it is also possible to by current free of interest day with not go out bill golden
Volume carries out the selection of credit Payment Methods together as merging condition, say, that can not enter an item of expenditure in the accounts
Single amount of money selects wherein current free of interest day the longest less than at least one credit Payment Methods of predetermined dollar value
A kind of credit Payment Methods are paid the bill.By this technical scheme, length and the letter to current free of interest day
The billing amount that do not goes out borrowing Payment Methods has carried out comprehensive consideration, it is simple to select credit preferably to pay the bill
Mode pays, and improves Consumer's Experience.
In any of the above-described technical scheme, it is preferable that step 104 comprises determining that described current free of interest
Day is more than or equal at least one credit Payment Methods to be selected of the scheduled time；Described at least one treat
The credit Payment Methods not going out billing amount minimum described in selecting in credit Payment Methods are selected to pay the bill.
In this technical scheme, using current free of interest day with do not go out billing amount together with merging condition
When carrying out the selection of credit Payment Methods, it is also possible to day exceed at least the one of the scheduled time at current free of interest
Plant a kind of credit Payment Methods selecting out billing amount minimum in credit Payment Methods to pay the bill.
By this technical scheme, the current free of interest length of day and the billing amount that do not goes out of credit Payment Methods are entered
Go comprehensive consideration, it is simple to select credit Payment Methods preferably to pay, improve user's body
Test.
Such as, terminal can at least have three kinds of Payment Methods relevant to credit card: directly selects
The credit card that currently free of interest day is the longest carries out paying the bill, not going out billing amount less than predetermined dollar value at least
One credit card selects the credit card that wherein current free of interest day is the longest to carry out paying the bill, surpassing in current free of interest day
Cross and at least one credit card of the scheduled time selects out the credit card that billing amount is minimum carry out paying
Money, these three mode can be carried one by terminal, or can by terminal according to the information of credit card and
Actual payment scenario selects optimal one, or can be selected by the operating habit of terminal counting user
Select the most frequently used one, or these three Payment Methods can be provided by terminal, and according to coming of receiving
From the select command of user, three kinds of Payment Methods select required Payment Methods.
Fig. 2 shows payment device based on credit Payment Methods according to an embodiment of the invention
Block diagram.
As in figure 2 it is shown, payments based on credit Payment Methods according to an embodiment of the invention dress
Put 200, including free of interest day computing unit 202, when receiving payment request, calculate multiple
The attribute information of association credit Payment Methods；Credit Payment Methods Payment Unit 204, uses described many
Kind associate the credit Payment Methods that the described attribute information in credit Payment Methods conforms to a predetermined condition to enter
Row payment.
In this technical scheme, when carrying out the affairs such as shopping online, it is possible to use attribute information meets pre-
The credit Payment Methods of fixed condition are paid the bill, such that user can be made to enjoy bank to greatest extent
Free of interest service, improves the overdraw payment experience of user.
Wherein, the credit Payment Methods associated can include one or more credit card, it is also possible to bag
Include the overdraw service from third-party platform, such as Jingdone district informal voucher etc., certainly, the credit payment associated
Mode can also is that other any credit Payment Methods the most in addition.
In technique scheme, it is preferable that described attribute information includes at least one of or group
Close: current free of interest day, do not go out billing amount, refund interest rate, Payment Methods positive rating, automatically refund
Binding situation.
In this technical scheme, the attribute information of credit Payment Methods include but not limited to one of above-mentioned or
Combination, user can select the required attribute information considered according to self-demand, in order to it is suitable to select
Credit Payment Methods.
Wherein, when the credit Payment Methods of association are multiple credits card, it is possible to use currently free of interest
Day, the one or more conduct letter not gone out in billing amount, refund interest rate, automatic refund binding situation
The foundation selected with card, such as, the credit card that billing amount can be selected not out minimum is paid the bill,
Or select out, in current free of interest exceedes the credit card of predetermined number of days day, the credit that billing amount is minimum
Card, the minimum credit card of refund interest rate or bound the credit card of refund automatically.When the credit of association is paid
When money mode is the third-party platform credit Payment Methods that Jingdone district informal voucher etc. does not have bill day, due to it
Refund in needing the target date after consumption, then can only consider refund interest rate and/or automatically refund
Binding situation.And if the credit Payment Methods associated include credit card and third-party platform credit simultaneously
Payment Methods, then can only consider refund interest rate and/or automatic refund binding situation, as selected to refund
Credit Payment Methods that interest rate is minimum, the credit Payment Methods of the binding that selects automatically to refund or in dynamic refund
The credit Payment Methods of binding select the one of refund interest rate, it is of course also possible to calculate credit respectively
Card do not go out billing amount and third-party platform currently treat the refund amount of money.
In any of the above-described technical scheme, it is preferable that when described attribute information is described current free of interest day
Time, described predetermined condition is that described current free of interest day is the longest, then free of interest day computing unit 202 includes:
Repayment date acquiring unit 2022, obtains the described multiple every kind of credit associated in credit Payment Methods
The repayment date of Payment Methods；Free of interest day computing unit 202 specifically for: according to current date and described
The repayment date of every kind of credit Payment Methods, calculates the current free of interest day of described every kind of credit Payment Methods；
And described payment device based on credit Payment Methods 200 also includes: repayment date memory cell
206, before the multiple attribute information having associated credit Payment Methods of described calculating, store described many
Plant the repayment date of the described every kind of credit Payment Methods associated in credit Payment Methods.
In this technical scheme, the repayment date of every kind of credit Payment Methods can be stated according to current date,
Calculating the current free of interest day of every kind of credit Payment Methods, wherein, every kind of credit Payment Methods can release
Association, it is of course also possible to be the credit Payment Methods that terminal association is new.By this technical scheme, make
User can enjoy bank's free of interest service to greatest extent, and the overdraw payment improving user uses body
Test.
Such as, the mobile phone association creditable card A and credit card B of user, the bill day of credit card A
Being monthly 6 days, repayment date is monthly 24 days, and credit card B bill day is monthly 10 days, repayment date
It it is monthly 28 days, when when using credit card funded payment on mobile phone January 1, credit card A is current
Interest-free day be 23 days, interest-free day current for credit card B is 27 days, therefore mobile phone can directly be selected
The repayment date credit card B that namely current free of interest day is longer relatively late pays the bill.
In this technical scheme, when being every time the new credit Payment Methods of terminal association, can directly record
Enter the repayment date of these credit Payment Methods, or directly enter at network according to the information of these credit Payment Methods
Row inquiry, automatically to obtain the repayment date of these credit Payment Methods, such that it is able to this credit paying party
The repayment date of formula stores, in case calling.
In any of the above-described technical scheme, it is preferable that also include: do not go out bill acquiring unit 208,
The credit using described attribute information to conform to a predetermined condition at described credit Payment Methods Payment Unit is paid the bill
Before mode is paid the bill, obtain described multiple associated credit Payment Methods do not go out billing amount；
Credit Payment Methods Payment Unit 204 specifically for: do not go out billing amount described in determining less than described pre-
At least one credit Payment Methods of deposit volume, select at least one credit Payment Methods described
Select the target credit Payment Methods for payment.
In this technical scheme, may only directly not select current in the relevant credit Payment Methods of institute
Free of interest day, the longest credit Payment Methods were paid the bill, it is also possible to by current free of interest day with not go out bill golden
Volume carries out the selection of credit Payment Methods together as merging condition, say, that can not enter an item of expenditure in the accounts
Single amount of money selects wherein current free of interest day the longest less than at least one credit Payment Methods of predetermined dollar value
A kind of credit Payment Methods are paid the bill.By this technical scheme, length and the letter to current free of interest day
The billing amount that do not goes out borrowing Payment Methods has carried out comprehensive consideration, it is simple to select credit preferably to pay the bill
Mode pays, and improves Consumer's Experience.
In any of the above-described technical scheme, it is preferable that credit Payment Methods Payment Unit 204 is specifically used
In: determine at least one credit paying party to be selected more than or equal to the scheduled time of described current free of interest day
Formula, and it is minimum not go out billing amount described in selection at least one credit Payment Methods to be selected described
Credit Payment Methods are paid the bill.
In this technical scheme, using current free of interest day with do not go out billing amount together with merging condition
When carrying out the selection of credit Payment Methods, it is also possible to day exceed at least the one of the scheduled time at current free of interest
Plant a kind of credit Payment Methods selecting out billing amount minimum in credit Payment Methods to pay the bill.
By this technical scheme, the current free of interest length of day and the billing amount that do not goes out of credit Payment Methods are entered
Go comprehensive consideration, it is simple to select credit Payment Methods preferably to pay, improve user's body
Test.
Fig. 3 shows the block diagram of terminal according to an embodiment of the invention.
As it is shown on figure 3, terminal 300 according to an embodiment of the invention, including shown in Fig. 2
Payment devices 200 based on credit Payment Methods, therefore, this terminal 300 have with shown in Fig. 2
The identical technique effect of payment device 200 based on credit Payment Methods, does not repeats them here.
Fig. 4 shows the flow chart of credit card funded payment method according to an embodiment of the invention.
As shown in Figure 4, credit card funded payment method according to another embodiment of the invention, including:
Step 402, the bill day of typing every credit card and repayment date.Wherein, it is mobile phone terminal every time
When associating new bank card, bill day and the repayment date of this bank card, or directly root can be directly entered
Inquire about at network according to the information of this bank card, automatically to obtain bill day and the refund of this bank card
Day, such that it is able to bill day and the repayment date of this bank card are stored, in case calling.
Step 404, receives the request of shopping online payment.
Step 406, according to bill day, the repayment date of current date and every credit card, calculates every
Open the current free of interest day of credit card, and select the credit card that currently free of interest day is the longest.
Such as, the mobile phone association creditable card A and credit card B of user, the bill day of credit card A
Being monthly 6 days, repayment date is monthly 24 days, and credit card B bill day is monthly 10 days, repayment date
It it is monthly 28 days, when when using credit card funded payment on mobile phone January 1, credit card A is current
Interest-free day be 23 days, interest-free day current for credit card B is 27 days, therefore mobile phone can directly be selected
The repayment date credit card B that namely current free of interest day is longer relatively late pays the bill.
Step 408, the information of the target credit card that display current free of interest day is the longest, use this card to pay
Money, or prompt the user whether to use this card to pay the bill.
By technical scheme, at mobile phone terminal, bill day and the repayment date of credit card are managed
Reason, when user is when carrying out shopping online and paying, directly can select current free of interest day the longest for user
A credit card, it is simple to user more effectively manages the fund of self.
Technical scheme is described in detail, by the technical side of the present invention above in association with accompanying drawing
Case, allows users to enjoy the services such as bank's free of interest to greatest extent, improves the overdraw payment of user
Experience.
The foregoing is only the preferred embodiments of the present invention, be not limited to the present invention, for
For those skilled in the art, the present invention can have various modifications and variations.All essences in the present invention
Within god and principle, any modification, equivalent substitution and improvement etc. made, should be included in the present invention
Protection domain within.
Claims (11)
1. a mode of payment based on credit Payment Methods, it is characterised in that including:
When receiving payment request, calculate the multiple attribute information having associated credit Payment Methods；
The described multiple described attribute information associated in credit Payment Methods is used to conform to a predetermined condition
Credit Payment Methods are paid the bill.
Mode of payment based on credit Payment Methods the most according to claim 1, its feature exists
At least one of or combination is included: current free of interest day, do not go out bill gold in, described attribute information
Volume, refund interest rate, Payment Methods positive rating, automatic refund binding situation.
Mode of payment based on credit Payment Methods the most according to claim 2, its feature exists
In, when described attribute information is described current free of interest day, described predetermined condition is described current free of interest
Day is the longest, and the multiple attribute information having associated credit Payment Methods of the most described calculating specifically includes:
Obtain the repayment date of the described multiple every kind of credit Payment Methods associated in credit Payment Methods；
According to current date and the repayment date of described every kind of credit Payment Methods, calculate described every kind of credit
The current free of interest day of Payment Methods；And
Before the multiple attribute information having associated credit Payment Methods of described calculating, also include:
Store the refund of the described multiple described every kind of credit Payment Methods associated in credit Payment Methods
Day.
4., according to the modes of payment based on credit Payment Methods described in Claims 2 or 3, it is special
Levy and be, when described attribute information be described do not go out billing amount time, described predetermined condition be described not
Go out billing amount less than predetermined dollar value, then multiple associated in credit Payment Methods described use is described
The credit Payment Methods that conform to a predetermined condition of described attribute information pay the bill before, also include:
Obtain described multiple associated credit Payment Methods do not go out billing amount；
Billing amount at least one credit Payment Methods less than described predetermined dollar value are not gone out described in determining,
For the target credit Payment Methods selected at least one credit Payment Methods described for payment.
Mode of payment based on credit Payment Methods the most according to claim 2, its feature exists
In, the described multiple described current free of interest day attribute information associated in credit Payment Methods of described use
The longest credit Payment Methods conformed to a predetermined condition are paid the bill, including:
Determine at least one credit paying party to be selected more than or equal to the scheduled time of described current free of interest day
Formula；
Do not go out, described in selecting at least one credit Payment Methods to be selected described, the letter that billing amount is minimum
Borrow Payment Methods to pay the bill.
6. a payment device based on credit Payment Methods, it is characterised in that including:
Free of interest day computing unit, when receiving payment request, calculates and multiple has associated credit paying party
The attribute information of formula；
Credit Payment Methods Payment Unit, use described multiple associated in credit Payment Methods described
The credit Payment Methods that attribute information conforms to a predetermined condition are paid the bill.
Payment device based on credit Payment Methods the most according to claim 6, its feature exists
At least one of or combination is included: current free of interest day, do not go out bill gold in, described attribute information
Volume, refund interest rate, Payment Methods positive rating, automatic refund binding situation.
Payment device based on credit Payment Methods the most according to claim 7, its feature exists
In, when described attribute information is described current free of interest day, described predetermined condition is described current free of interest
Day is the longest, and the most described free of interest day computing unit includes:
Repayment date acquiring unit, obtains the described multiple every kind of credit associated in credit Payment Methods and pays
The repayment date of money mode；
Described free of interest day computing unit specifically for:
According to current date and the repayment date of described every kind of credit Payment Methods, calculate described every kind of credit
The current free of interest day of Payment Methods；And
Described payment device based on credit Payment Methods also includes:
Repayment date memory cell, the multiple attribute information having associated credit Payment Methods of described calculating it
Before, store the refund of the described multiple described every kind of credit Payment Methods associated in credit Payment Methods
Day.
9., according to the payment devices based on credit Payment Methods described in claim 7 or 8, it is special
Levy and be, when described attribute information be described do not go out billing amount time, described predetermined condition be described not
Go out billing amount and be less than predetermined dollar value, then described payment devices based on credit Payment Methods also include:
Do not go out bill acquiring unit, use described attribute information at described credit Payment Methods Payment Unit
Before the credit Payment Methods conformed to a predetermined condition are paid the bill, obtain the described multiple credit that associated and pay
Money mode do not go out billing amount；
Described credit Payment Methods Payment Unit specifically for:
Billing amount at least one credit Payment Methods less than described predetermined dollar value are not gone out described in determining,
For the target credit Payment Methods selected at least one credit Payment Methods described for payment.
Payment device based on credit Payment Methods the most according to claim 7, its feature exists
In, described credit Payment Methods Payment Unit is used for:
Determine at least one credit paying party to be selected more than or equal to the scheduled time of described current free of interest day
Formula, and it is minimum not go out billing amount described in selection at least one credit Payment Methods to be selected described
Credit Payment Methods are paid the bill.
11. 1 kinds of terminals, it is characterised in that include as according to any one of claim 6 to 10
Payment devices based on credit Payment Methods.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610196786.8A CN105894264A (en) | 2016-03-31 | 2016-03-31 | Payment method and device based on credit and loan payment ways and terminal |
| PCT/CN2016/080828 WO2017166363A1 (en) | 2016-03-31 | 2016-04-29 | Payment method based on credit payment mode, and payment apparatus and terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610196786.8A CN105894264A (en) | 2016-03-31 | 2016-03-31 | Payment method and device based on credit and loan payment ways and terminal |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105894264A true CN105894264A (en) | 2016-08-24 |
Family
ID=57011737
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610196786.8A Pending CN105894264A (en) | 2016-03-31 | 2016-03-31 | Payment method and device based on credit and loan payment ways and terminal |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN105894264A (en) |
| WO (1) | WO2017166363A1 (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106651370A (en) * | 2016-10-19 | 2017-05-10 | 广州三星通信技术研究有限公司 | Operation executing method and device of application |
| CN109118235A (en) * | 2018-07-27 | 2019-01-01 | 拉卡拉支付股份有限公司 | Method of payment, device, electronic equipment and storage medium |
| CN109801154A (en) * | 2018-12-13 | 2019-05-24 | 深圳壹账通智能科技有限公司 | Credit refund configuration method, device, equipment and storage medium |
| CN109858959A (en) * | 2019-01-18 | 2019-06-07 | 深圳壹账通智能科技有限公司 | Credit card recommended method, device, computer equipment and storage medium |
| CN110163589A (en) * | 2019-04-15 | 2019-08-23 | 深圳壹账通智能科技有限公司 | More pay off method by credit card, device, computer equipment and storage medium |
| WO2019196257A1 (en) * | 2018-04-09 | 2019-10-17 | 平安科技（深圳）有限公司 | Automatic repayment method and system, and terminal device |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110609829B (en) * | 2019-08-15 | 2023-11-14 | 上海新颜人工智能科技有限公司 | Method and system for cleaning and restoring transaction data |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| BR0108548A (en) * | 2000-02-22 | 2004-06-15 | Insun Yun | Method and system for maximizing credit card purchasing power and minimizing internet interest costs |
| US10185936B2 (en) * | 2000-06-22 | 2019-01-22 | Jpmorgan Chase Bank, N.A. | Method and system for processing internet payments |
| US20030105710A1 (en) * | 2000-07-11 | 2003-06-05 | Ellen Barbara | Method and system for on-line payments |
| JP2004062762A (en) * | 2002-07-31 | 2004-02-26 | Nec Infrontia Corp | Card information cooperation system and method |
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2016
- 2016-03-31 CN CN201610196786.8A patent/CN105894264A/en active Pending
- 2016-04-29 WO PCT/CN2016/080828 patent/WO2017166363A1/en active Application Filing
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106651370A (en) * | 2016-10-19 | 2017-05-10 | 广州三星通信技术研究有限公司 | Operation executing method and device of application |
| WO2019196257A1 (en) * | 2018-04-09 | 2019-10-17 | 平安科技（深圳）有限公司 | Automatic repayment method and system, and terminal device |
| CN109118235A (en) * | 2018-07-27 | 2019-01-01 | 拉卡拉支付股份有限公司 | Method of payment, device, electronic equipment and storage medium |
| CN109801154A (en) * | 2018-12-13 | 2019-05-24 | 深圳壹账通智能科技有限公司 | Credit refund configuration method, device, equipment and storage medium |
| CN109858959A (en) * | 2019-01-18 | 2019-06-07 | 深圳壹账通智能科技有限公司 | Credit card recommended method, device, computer equipment and storage medium |
| CN110163589A (en) * | 2019-04-15 | 2019-08-23 | 深圳壹账通智能科技有限公司 | More pay off method by credit card, device, computer equipment and storage medium |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2017166363A1 (en) | 2017-10-05 |
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Application publication date: 20160824 |