CN107808340A - A kind of credit card management method and equipment - Google Patents
A kind of credit card management method and equipment Download PDFInfo
- Publication number
- CN107808340A CN107808340A CN201710806995.4A CN201710806995A CN107808340A CN 107808340 A CN107808340 A CN 107808340A CN 201710806995 A CN201710806995 A CN 201710806995A CN 107808340 A CN107808340 A CN 107808340A
- Authority
- CN
- China
- Prior art keywords
- consumption
- credit card
- effective time
- default
- subcard
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
The invention discloses a kind of credit card management method and equipment, methods described includes obtaining consumption data of the credit card subcard in the first effective time；Judge whether the consumption data matches with default consumption data；If matching, determines that the credit card subcard has the first facility extent in the second effective time after first effective time.Thus it is possible to avoid in the prior art, due to a lack of the supervision used credit card, the situation for causing credit card to abuse, prevent credit card is according to default consumption policy from being consumed, so, there is the beneficial effect for realizing real-time oversight that can be used credit card.
Description
Technical field
The present invention relates to technical field of information management, more particularly to a kind of credit card management method and equipment.
Background technology
With the lasting development of bank credit card business, credit card is also widely used in industry-by-industry, for example,
In logistic industry, with the name of logistics company to bank gurantee application credit card, credit card is then handed down to responsible transport service
The driver of business, driver are consumed with the credit card in transportation, when completing this forwarding, infrastructure management company according to
The spending limit of driver is repaid to the credit card.
Lack implementation supervision because driver carries out consumption using credit card in transportation, then, driver can just make
Other consumption unrelated with cargo transport are carried out with the credit card, or even make the facility extent of disposable credit card in advance, cause nothing
Method completes transport task according to default facility extent.
The content of the invention
The embodiment of the present invention provides a kind of credit card management method and equipment, is supervised in real time for the consumption to credit card
Control, so that credit card is consumed according to default consumption policy.
Therefore, a kind of concrete technical scheme of credit card management method provided in an embodiment of the present invention is as follows：
Obtain consumption data of the credit card subcard in the first effective time；
Judge whether the consumption data matches with default consumption data；
If matching, determine that the credit card subcard has the in the second effective time after first effective time
One facility extent.
Optionally, before the consumption data for obtaining credit card subcard in the first effective time, including：
Authorized application information is sent to banking system, the authorized application information is used for the letter for applying for the credit card subcard
There is the second facility extent in the 3rd effective time with card master card, wherein, the 3rd effective time is more than or equal to described the
One effective time and the second effective time sum；
After the credit card master card mandate, have the in first effective time to credit card subcard distribution
Three facility extent, wherein, the 3rd facility extent is less than or equal to second overdraft with the first facility extent sum
Degree.
Optionally, the consumption data includes the consumption number of times of consumption place, consumption type and each consumption type,
It is described to judge whether the consumption data matches with default consumption data, including：
Judge whether the consumption place matches with default consumption place, whether are the consumption type and default consumption type
Whether matching, and the consumption number of times of each consumption type match with the consumption number of times of each default consumption type；
Matched in the consumption place with default area of consumption Point matching, the consumption type with default consumption type, and
When the consumption number of times of each consumption type match with the consumption number of times of each default consumption type, show the consumption number
Matched according to default consumption data.
Optionally, determine that the credit card has in the second effective time after first effective time described
After first facility extent, including：
Obtain residing geographical position delta data of the credit card subcard in second effective time；
Judge whether the residing geographical position delta data matches with preset geographical position delta data；
If mismatching, the facility extent of the credit card subcard is reduced to the 4th overdraft from first facility extent
Degree.
Optionally, including：
When the credit card subcard is consumed in first effective time and in second effective time, with
The card number of the credit card master card is signed and issued.
Another further aspect, the embodiment of the present invention also provide a kind of equipment for credit card management, including：
Acquisition module, for obtaining consumption data of the credit card subcard in the first effective time；
Judge module, for judging whether the consumption data matches with default consumption data；
Determining module, if being matched for the consumption data with default consumption data, determine the credit card subcard in institute
Stating in the second effective time after the first effective time has the first facility extent.
Optionally, including：
Sending module, for sending authorized application information to banking system, the authorized application information is described for applying
The credit card master card of credit card subcard has the second facility extent in the 3rd effective time, wherein, the 3rd effective time
More than or equal to first effective time and the second effective time sum；
After the credit card master card mandate, have the in first effective time to credit card subcard distribution
Three facility extent, wherein, the 3rd facility extent is less than or equal to second overdraft with the first facility extent sum
Degree.
Optionally, the judge module is specifically used for：
Judge whether the consumption place matches with default consumption place, whether are the consumption type and default consumption type
Whether matching, and the consumption number of times of each consumption type match with the consumption number of times of each default consumption type；
Matched in the consumption place with default area of consumption Point matching, the consumption type with default consumption type, and
When the consumption number of times of each consumption type match with the consumption number of times of each default consumption type, show the consumption number
Matched according to default consumption data.
Optionally, including：
First acquisition submodule, for obtaining residing geographical position of the credit card subcard in second effective time
Put delta data；
First judging submodule, for judging the residing geographical position delta data and preset geographical position delta data
Whether match；If mismatching, the facility extent of the credit card subcard is reduced to the 4th overdraft from first facility extent
Degree.
Optionally, including：
Module is signed and issued, for the credit card subcard in first effective time and in second effective time
When being consumed, signed and issued with the card number of the credit card master card.
Due to the technical scheme in the embodiment of the present invention, using consumption of the acquisition credit card subcard in the first effective time
Data；Judge whether the consumption data matches with default consumption data；And if matching, determine the credit card subcard in institute
The interior technical scheme with the first facility extent of the second effective time after the first effective time is stated, namely in credit card subcard
Effective storage life in obtain the credit card consumer record, acquisition credit card consumer record with it is default consumption remember
During record matching, then facility extent is distributed in remaining effective storage life for credit card, avoided in the prior art, shortage pair
The supervision that credit card uses, the situation for causing credit card to abuse so that credit card can not be disappeared according to default consumption policy
Take, so, there is the beneficial effect for realizing real-time oversight that can be used credit card.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, embodiment will be described below
In the required accompanying drawing used be briefly described, it should be apparent that, drawings in the following description be only the present invention some
Embodiment.
Fig. 1 is a kind of flow chart of credit card management method provided in an embodiment of the present invention；
Fig. 2 is the flow chart for some steps that can also carry out in the embodiment of the present invention；
Fig. 3 is the flow chart for other steps that can also carry out in the embodiment of the present invention；
Fig. 4 is a kind of structural representation of equipment for credit card management provided in an embodiment of the present invention.
Embodiment
To make the purpose, technical scheme and advantage of the embodiment of the present invention clearer, below in conjunction with the embodiment of the present invention
In accompanying drawing, technical scheme is clearly and completely described, it is clear that described embodiment is skill of the present invention
The part of the embodiment of art scheme, rather than whole embodiments.It is general based on the embodiment described in present specification, this area
The every other embodiment that logical technical staff is obtained under the premise of creative work is not made, belongs to the technology of the present invention side
The scope of case protection.
Fig. 1 is refer to, is a kind of credit card management method provided in an embodiment of the present invention, including：
Step S101：Obtain consumption data of the credit card subcard in the first effective time；
Step S102：Judge whether the consumption data matches with default consumption data；
Step S103：If matching, determines the credit card subcard when second after first effective time is effective
There is the first facility extent in long.
During concrete practice, step S101 is first carried out in the above method, namely acquisition credit card subcard has first
Imitate the consumption data in duration.
In actual applications, the above method can apply in the credit card management of logistic industry, can also be applied to it
In the credit card management of his industry, at this exemplified by being managed applied to the credit card of logistic industry.During concrete practice,
In the credit card subcard that the driver for serving as transport task can be issued in transportation using logistics company, then logistics company is used
Consumption data of the credit card subcard in one section of effective storage life is obtained in the equipment can of managerial credit clamp card, here
One section effectively when usage time can be one day, or 2 days can also be 2.5 days etc..
Fig. 2 is refer to, in actual applications, before step S101 is performed, the embodiment of the present invention can also carry out following
Step：
Step S201：Authorized application information is sent to banking system, the authorized application information is used to apply for the credit
The credit card master card of clamp card has the second facility extent in the 3rd effective time, wherein, the 3rd effective time is more than
Equal to first effective time and the second effective time sum；
Step S202：After the credit card master card mandate, to credit card subcard distribution when described first is effective
There is the 3rd facility extent in long, wherein, the 3rd facility extent is less than or equal to described with the first facility extent sum
Second facility extent.
Namely in actual applications, credit card can be divided into credit card master card and belong under credit card master card name
Credit card subcard, then, before consumption data of the credit card subcard in one section of effective storage life is obtained, can also first to
Banking system sends authorized application information, and application credit card master card (namely credit card master card of credit card subcard) is in a period of time
It is interior that there is certain facility extent, for example, to banking system send authorized application credit card master card on May 5th, 2017 extremely
It is effective life between this period on May 15th, 2017, and the amount that can be overdrawed in the effective life is 200,000
The information of member, then, banking system is after the authorized application information is received, it is possible to when authorizing the credit card master card effectively to use
Between be on May 15,5 days to 2017 May in 2017, and the amount that can be overdrawed in this section of effective storage life is 20,000
Member.
Certainly, in actual applications, after banking system is receiving above-mentioned authorized application information, body can also first be carried out
Part checking, to ensure that the authorized application information is the equipment transmission that logistics company is used for managerial credit clamp card, the identity is tested
Card can be specially short-message verification, language checking etc., just do not enumerate herein, also do not do any restrictions.
In embodiments of the present invention, specifically with to banking system send authorized application credit card master card on May 5th, 2017
To being effective life between this period on May 15th, 2017, and the amount that can be overdrawed in the effective life is 20
Exemplified by ten thousand yuan of information, then, banking system is after the authorized application information is received, it is possible to authorizes credit card master card effective
Usage time is on May 15,5 days to 2017 May in 2017, and the amount that can be overdrawed in this section of effective storage life
For 200,000 yuan.In actual applications, after credit card master card mandate, logistics company can according to current transportation type of service,
Credit card subcard to the driver that will be handed down to cargo transport distributes in the effective storage life of credit card master card or credit
The facility extent in certain a period of time in the effective storage life of card master card.
For example, when current transportation type of service is specially：The goods that weight is 8 tons is transported from Shanghai by highway
To Guangzhou, then, according to the weight of the total distance from Shanghai to Guangzhou, and goods, the day for needing to transport can be predicted in advance
Number and the cost of every day (including driver has a meal, and refuels, the expense such as toll), it is assumed here that need transport 6 days, every day
Probably need cost 2,000, then, it is possible to (it will be handed down to and undertake to the credit card subcard under credit card master card to business
The credit card subcard of the driver of the forwarding) distribute the effective storage life of credit card subcard and in effective storage life
Overdraw enter the amount of money.
Because the effective storage life of credit card master card is on May 15,5 days to 2017 May in 2017, and in this section
The amount that can be overdrawed in effective storage life is 200,000 yuan, then, the effective storage life to the distribution of credit card subcard is
On May 5th, 2017 to any 6 day time between 15 days Mays in 2017, it is of course also possible to the effective of credit card subcard distribution
Usage time is more than 6 days, is such as on May 5th, 2017 to any 7 day time between 15 days Mays in 2017, here, with to credit
The effective storage life of clamp card distribution is exemplified by May 6 to 12 days May in 2017 in 2017.
Meanwhile can be credit card subcard in effective storage life on May 6th, 2017 between 12 days Mays in 2017
Facility extent is assigned as 1.2 ten thousand；Can also be credit card subcard in effective storage life May 12 6 days to 2017 May in 2017
Facility extent between number is assigned as 0.6 ten thousand, namely first distributes the partial amount of master budget；Certainly can also be credit card subcard
Effective storage life on May 6th, 2017 between 12 days Mays in 2017 facility extent distribution more than 1.2 ten thousand number (such as
Excess budget), but within 200,000 facility extent of credit card master card.
In the present embodiment, using to the effective storage life that credit card subcard distributes as 6 days to 2017 5 May in 2017
The moon 12, the overdraw amount of money of the distribution within the effective time is 0.6 ten thousand yuan, namely first distributes the part of master budget (1.2 ten thousand)
Exemplified by the amount of money.
It is possible to obtain credit card subcard effective storage life on May 12,6 days to 2017 May in 2017 it
Between certain a period of time in consumption data, such as the consumption number on May 6th, 2017 and on May 7th, 2017 can be obtained
According to, the consumption data on May 6th, 2017 etc. can be obtained, herein with obtain credit card subcard on May 6th, 2017 and
Exemplified by the consumption data on May 7th, 2017.
Certainly, in actual applications, credit card subcard is in effective storage life on May 12,6 days to 2017 May in 2017
Between when being consumed, can also carry out following steps：
When the credit card subcard is consumed in first effective time and in second effective time, with
The card number of the credit card master card is signed and issued.
That is, in actual applications, using credit card subcard in effective storage life May 6 days to 2017 May in 2017
When being consumed between No. 12, it can be signed and issued with row with the card number of the credit card master card of clamp card, so be advantageous to the later stage
Financial settlement.
So, after the consumption data in credit card subcard on May 6th, 2017 and on May 7th, 2017 is obtained, this hair
Method can in bright embodiment performs step S102, namely judge the consumption data and default consumption data whether
Match somebody with somebody.
In actual applications, the consumption data in the credit card subcard of acquisition on May 6th, 2017 and on May 7th, 2017 can
To specifically include the consumption of consuming place, consumption type and each consumption type time of the credit card subcard in this two days
Number, then, step S102 can also be performed specifically in such a way：
Judge whether the consumption place matches with default consumption place, whether are the consumption type and default consumption type
Whether matching, and the consumption number of times of each consumption type match with the consumption number of times of each default consumption type；
Matched in the consumption place with default area of consumption Point matching, the consumption type with default consumption type, and
When the consumption number of times of each consumption type match with the consumption number of times of each default consumption type, show the consumption number
Matched according to default consumption data.
In actual applications, according to current transportation type of service：By highway by goods that weight is 8 tons from Shanghai
Transport to Guangzhou, anticipated that driver in the transportation, can be consumed at which high-speed service station using credit card, with
And the type of consumption and the consumption number of times of each consumption type, it is assumed here that, by weight it is 8 tons of goods by highway
Transported from Shanghai into the transportation in Guangzhou, altogether including 20 high-speed service stations, then, the consumption place of credit card subcard is just
It should be any one high-speed service station in this 20 high-speed service stations；According to the distance of one day traveling, credit is used every day
The number that clamp card is refueled should be no more than 2 times, and the number that every day carries out food and drink consumption using row with clamp card should not
It should be more than 5 times.
It is possible to by the credit card subcard of acquisition on May 6th, 2017 and on May 7th, 2017 consumption data
Consumption number of times including consumption place of the credit card subcard in this two days, consumption type and each consumption type, it is and pre-
If consumption data matched, namely judge consumption place of the credit card subcard in this two days whether in default above-mentioned
20 high-speed service stations, judge whether consumption type of the credit card subcard in this two days is oiling consumption type or food and drink consumption
One or more in type, and whether the refuel number consumed of the credit card subcard in this two days is judged more than 2 times, with
And whether the number of food and drink consumption is more than 10 times.
If consumption place of the credit card subcard in this two days be any of default above-mentioned 20 high-speed service stations or
Multiple, consumption type of the credit card subcard in this two days is one kind or more in oiling consumption type or food and drink consumption type
Kind, and the number of oiling consumption of the credit card subcard in this two days are not above 2 times, and the number of food and drink consumption does not have
More than 10 times, then show credit card subcard in the consumption data on May 6th, 2017 and on May 7th, 2017 and default consumption
Data Matching.
If consumption place of the credit card subcard in this two days is not belonging to default above-mentioned 20 high-speed service stations, or/and
Consumption type of the credit card subcard in this two days is not the one or more in oiling consumption type or food and drink consumption type,
Or/and credit card subcard in this two days oiling consumption number more than 2 times, and food and drink consumption number more than 10 times,
Then do not show credit card subcard in the consumption data on May 6th, 2017 and on May 7th, 2017 and default consumption data not
Match somebody with somebody.
After method execution of step S102 in embodiments of the present invention, step S103 is carried out, is also even matched,
Determine that the credit card subcard has the first facility extent in the second effective time after first effective time.
It is supposed that consumption place of the credit card subcard within May 6th, 2017 and 7 days Mays in 2017 is default
Any of above-mentioned 20 high-speed service stations are multiple, and consumption type of the credit card subcard in this two days is oiling consumption type
Or the one or more in food and drink consumption type, and credit card subcard in this two days oiling consumption number be not above
2 times, and food and drink consumption number be not above 10 times, then show credit card subcard on May 6th, 2017 and 2017 5
The consumption data of months No. 7 matches with default consumption data, it is possible to is the credit card subcard 8 days to 2017 May in 2017
The facility extent of 0.6 ten thousand yuan of increase during the effective life on May 12, in, also will not distributed also in master budget (1.2 ten thousand)
Part overdraw the amount of money distribute to the credit card subcard.
Fig. 3 is refer to, in actual applications, after object for appreciation step S103 is performed, can also carry out following steps：
Step S301：Obtain residing geographical position change number of the credit card subcard in second effective time
According to；
Step S302：Judge whether the residing geographical position delta data matches with preset geographical position delta data；
Step S303：If mismatching, the facility extent of the credit card subcard is reduced to the from first facility extent
Four facility extent.
Specifically, by for the credit card subcard on May 12nd, 8 days 1 May in 2017 phase effective life
Between after 0.6 ten thousand yuan of facility extent of increase, credit card subcard can also be obtained on May 12,8 days to 2017 May in 2017
Geographical position delta data residing for the credit card subcard in any a period of time between effective life, in concrete practice process
In, can also in the chip of credit card subcard integrated positioning module, thus can be by determining in row clamp the core of the card piece
Position module positions to credit card subcard, obtains the effective on May 12,8 days to 2017 May in 2017 of credit card subcard
Residing geographical position delta data in any a period of time in during use.
In actual applications, can also be by credit card subcard effective on May 12,8 days to 2017 May in 2017
The set in consumption place in any a period of time in during use come form credit card subcard within this time residing for
Geographical position delta data.In the present embodiment, positioning is specifically passed through with the integrated positioning module in the chip of credit card subcard
Module obtains the residing geographical position delta data on May 9th, 2017 of credit card subcard.
In actual applications, according to current transportation type of service：By highway by goods that weight is 8 tons from Shanghai
Transport to Guangzhou, anticipated that residing geographical position delta data of the credit card subcard in the transportation, then can
The residing geographical position delta data of credit card subcard is pre-set, then in the credit card subcard for judging to obtain at 2017 5
The residing geographical position delta data of months No. 9 and pre-set credit card subcard residing geographical position delta data whether
Match somebody with somebody.
If by locating module obtain the residing geographical position delta data on May 9th, 2017 of credit card subcard with
Geographical position delta data residing for pre-setting the either segment in the residing geographical position delta data of credit card subcard is not all inconsistent
Close, then illustrate obtain credit card subcard on May 9th, 2017 residing geographical position delta data and pre-set credit card
The residing geographical position delta data of subcard mismatches, and at this moment can reduces the current facility extent of credit card subcard, for example,
The current facility extent of current credit card subcard there remains 0.5 ten thousand, then, it is possible to remaining 0.5 ten thousand facility extent is dropped
For 0.1 ten thousand yuan of facility extent.
So by the above method, the consumption that the credit card is obtained in the effective storage life in credit card subcard is remembered
Record, effectively used remaining when the consumer record of the credit card of acquisition matches with default consumer record, then for credit card
Distribution facility extent, avoids the supervision for, lacking use credit card in the prior art in time, the feelings for causing credit card to abuse
Condition so that credit card can not be consumed according to default consumption policy, so, have the realization that can be used credit card real
When the beneficial effect supervised.
Based on same inventive concept, a kind of equipment for credit card management, the equipment are provided in the embodiment of the present invention
Credit card management method specific implementation can be found in above method embodiment part description, repeat part repeat no more, please
With reference to figure 4, the equipment includes：
Acquisition module 10, for obtaining consumption data of the credit card subcard in the first effective time；
Judge module 11, for judging whether the consumption data matches with default consumption data；
Determining module 12, if being matched for the consumption data with default consumption data, determine that the credit card subcard exists
There is the first facility extent in the second effective time after first effective time.
Optionally, including：
Sending module, for sending authorized application information to banking system, the authorized application information is described for applying
The credit card master card of credit card subcard has the second facility extent in the 3rd effective time, wherein, the 3rd effective time
More than or equal to first effective time and the second effective time sum；
After the credit card master card mandate, have the in first effective time to credit card subcard distribution
Three facility extent, wherein, the 3rd facility extent is less than or equal to second overdraft with the first facility extent sum
Degree.
Optionally, the judge module is specifically used for：
Judge whether the consumption place matches with default consumption place, whether are the consumption type and default consumption type
Whether matching, and the consumption number of times of each consumption type match with the consumption number of times of each default consumption type；
Matched in the consumption place with default area of consumption Point matching, the consumption type with default consumption type, and
When the consumption number of times of each consumption type match with the consumption number of times of each default consumption type, show the consumption number
Matched according to default consumption data.
Optionally, including：
First acquisition submodule, for obtaining residing geographical position of the credit card subcard in second effective time
Put delta data；
First judging submodule, for judging the residing geographical position delta data and preset geographical position delta data
Whether match；If mismatching, the facility extent of the credit card subcard is reduced to the 4th overdraft from first facility extent
Degree.
Optionally, including：
Module is signed and issued, for the credit card subcard in first effective time and in second effective time
When being consumed, signed and issued with the card number of the credit card master card.
Based on same inventive concept, a kind of computer-readable recording medium is provided in the embodiment of the present invention：
The computer-readable recording medium storage has computer instruction, when the computer instruction is run on computers
When so that computer performs a kind of credit card management method as described above.
It should be understood by those skilled in the art that, embodiments of the invention can be provided as method, system or computer program
Product.Therefore, the present invention can use the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware
Apply the form of example.Moreover, the present invention can use the computer for wherein including computer usable program code in one or more
The shape for the computer program product that usable storage medium is implemented on (including but is not limited to magnetic disk storage and optical memory etc.)
Formula.
The present invention is the flow with reference to method according to embodiments of the present invention, equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that can be by every first-class in computer program instructions implementation process figure and/or block diagram
Journey and/or the flow in square frame and flow chart and/or block diagram and/or the combination of square frame.These computer programs can be provided
The processors of all-purpose computer, special-purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that produced by the instruction of computer or the computing device of other programmable data processing devices for real
The device for the function of being specified in present one flow of flow chart or one square frame of multiple flows and/or block diagram or multiple square frames.
These computer program instructions, which may be alternatively stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory, which produces, to be included referring to
Make the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one square frame of block diagram or
The function of being specified in multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that counted
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented processing, so as in computer or
The instruction performed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in individual square frame or multiple square frames.
Obviously, those skilled in the art can carry out the essence of various changes and modification without departing from the present invention to the present invention
God and scope.So, if these modifications and variations of the present invention belong to the scope of the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to comprising including these changes and modification.
Claims (10)
- A kind of 1. credit card management method, it is characterised in that including：Obtain consumption data of the credit card subcard in the first effective time；Judge whether the consumption data matches with default consumption data；If matching, determine that the credit card subcard is saturating with first in the second effective time after first effective time Branch amount.
- 2. the method as described in claim 1, it is characterised in that in the acquisition credit card subcard in the first effective time Before consumption data, including：Authorized application information is sent to banking system, the authorized application information is used for the credit card for applying for the credit card subcard Master card has the second facility extent in the 3rd effective time, wherein, the 3rd effective time, which is more than or equal to described first, to be had Imitate duration and the second effective time sum；After the credit card master card mandate, distributed to the credit card subcard saturating with the 3rd in first effective time Branch amount, wherein, the 3rd facility extent is less than or equal to second facility extent with the first facility extent sum.
- 3. method as claimed in claim 1 or 2, it is characterised in that the consumption data include consumption place, consumption type with And the consumption number of times of each consumption type, it is described to judge whether the consumption data matches with default consumption data, including：Judge whether the consumption place matches with default consumption place, the consumption type and default consumption type whether Match somebody with somebody, and whether the consumption number of times of each consumption type match with the consumption number of times of each default consumption type；Matched in the consumption place with default area of consumption Point matching, the consumption type with default consumption type, and it is each When the consumption number of times of kind of consumption type match with the consumption number of times of each default consumption type, show the consumption data and Default consumption data matching.
- 4. method as claimed in claim 3, it is characterised in that determine the credit card in first effective time described After there is the first facility extent in the second effective time afterwards, including：Obtain residing geographical position delta data of the credit card subcard in second effective time；Judge whether the residing geographical position delta data matches with preset geographical position delta data；If mismatching, the facility extent of the credit card subcard is reduced to the 4th facility extent from first facility extent.
- 5. method as claimed in claim 2, it is characterised in that including：When the credit card subcard is consumed in first effective time and in second effective time, with described The card number of credit card master card is signed and issued.
- A kind of 6. equipment for credit card management, it is characterised in that including：Acquisition module, for obtaining consumption data of the credit card subcard in the first effective time；Judge module, for judging whether the consumption data matches with default consumption data；Determining module, if being matched for the consumption data with default consumption data, determine the credit card subcard described There is the first facility extent in the second effective time after one effective time.
- 7. equipment as claimed in claim 6, it is characterised in that including：Sending module, for sending authorized application information to banking system, the authorized application information is used to apply for the credit The credit card master card of clamp card has the second facility extent in the 3rd effective time, wherein, the 3rd effective time is more than Equal to first effective time and the second effective time sum；After the credit card master card mandate, distributed to the credit card subcard saturating with the 3rd in first effective time Branch amount, wherein, the 3rd facility extent is less than or equal to second facility extent with the first facility extent sum.
- 8. equipment as claimed in claims 6 or 7, it is characterised in that the judge module is specifically used for：Judge whether the consumption place matches with default consumption place, the consumption type and default consumption type whether Match somebody with somebody, and whether the consumption number of times of each consumption type match with the consumption number of times of each default consumption type；Matched in the consumption place with default area of consumption Point matching, the consumption type with default consumption type, and it is each When the consumption number of times of kind of consumption type match with the consumption number of times of each default consumption type, show the consumption data and Default consumption data matching.
- 9. equipment as claimed in claim 8, it is characterised in that including：First acquisition submodule, become for obtaining residing geographical position of the credit card subcard in second effective time Change data；First judging submodule, for whether judging the residing geographical position delta data and preset geographical position delta data Matching；If mismatching, the facility extent of the credit card subcard is reduced to the 4th facility extent from first facility extent.
- 10. equipment as claimed in claim 7, it is characterised in that including：Module is signed and issued, is carried out for the credit card subcard in first effective time and in second effective time During consumption, signed and issued with the card number of the credit card master card.
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| CN201710806995.4A CN107808340A (en) | 2017-09-08 | 2017-09-08 | A kind of credit card management method and equipment |
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| CN201710806995.4A CN107808340A (en) | 2017-09-08 | 2017-09-08 | A kind of credit card management method and equipment |
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| CN201710806995.4A Pending CN107808340A (en) | 2017-09-08 | 2017-09-08 | A kind of credit card management method and equipment |
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