CN105205716A - Credit card repayment method and device - Google Patents
Credit card repayment method and device Download PDFInfo
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- CN105205716A CN105205716A CN201510713087.1A CN201510713087A CN105205716A CN 105205716 A CN105205716 A CN 105205716A CN 201510713087 A CN201510713087 A CN 201510713087A CN 105205716 A CN105205716 A CN 105205716A
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Abstract
The invention provides a credit card repayment method and device. The credit card repayment method comprises the following steps: when receiving a repayment instruction, selecting one main repayment channel from set repayment channels according to a first predetermined rule; judging whether the payable amount of the main repayment channel is larger than or equal to the repayment amount of a credit card; if the payable amount of the main repayment channel is smaller than the repayment amount of the credit card, at least selecting one repayment channel from the residual repayment channels according to a second predetermined rule for repayment or at least selecting one repayment channel from the residual repayment channels for repayment together with the main repayment channel. Through the adoption of the credit card repayment method, repayment can be realized through multiple repayment channels automatically, the probability of insufficient balance during repayment of the credit card is reduced, a user is assisted to repay timely and high convenience is brought to the user.
Description
Technical field
The present invention relates to credit card repayment field, particularly relate to a kind of credit card repayment method and device.
Background technology
Credit card has become a kind of conventional modes of payments in people's life.In order to allow user's credit easy to use, the mode of repayment of credit card is also more and more easier.But, at present eaily a kind of credit card repayment mode to be credit card user bind the account that the credit card of oneself and debit card or other transaction platforms provide.User, when refund, can be withholdd by the account of the debit card of binding or other transaction platforms.But when the debit card bound or the account balance deficiency of other transaction platforms time, user needs to operate the refund that repeatedly can complete a bill afterwards through multiple way of paying.This mode of repayment troublesome poeration, concerning extremely inconvenient user.
Summary of the invention
Conveniently user, the probability that when reducing credit card repayment, Sorry, your ticket has not enough value, the invention provides a kind of credit card repayment method and device.
A kind of credit card repayment method, described method comprises the steps:
When receiving refund instruction, from the refund channel arranged, select a main refund channel according to the rule that first is predetermined;
Judge whether the payable amount of money of described main refund channel is greater than or equal to the refund amount of money of described credit card;
If the payable amount of money of described main refund channel is less than the refund amount of money of described credit card, from remaining refund channel, a refund channel is at least selected to carry out refunding or at least select from remaining refund channel a refund channel and described main refund channel jointly to refund according to the rule that second presets.
A kind of credit card repayment device, described device comprises:
Selecting module, for when receiving refund instruction, from the refund channel arranged, selecting a main refund channel according to the rule that first is predetermined;
Judge module, for judging whether the payable amount of money of described main refund channel is greater than or equal to the refund amount of money of described credit card;
Refund module, if the payable amount of money for described main refund channel is less than the refund amount of money of described credit card, from remaining refund channel, a refund channel is at least selected to carry out refunding or at least select from remaining refund channel a refund channel and described main refund channel jointly to refund according to the rule that second presets.
The invention provides a kind of credit card repayment method and device, can automatically be refunded by multiple channel, occur the probability that Sorry, your ticket has not enough value when greatly reducing refund, facilitate user.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme in the embodiment of the present invention, below the accompanying drawing used required in describing embodiment is briefly described, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
A kind of process flow diagram of credit card repayment method of Fig. 1 for providing in the first embodiment.
Fig. 2 is the sub-process figure of the step S200 in a kind of credit card repayment method of providing in the first embodiment.
Fig. 3 is the sub-process figure of the step S400 in a kind of credit card repayment method of providing in the first embodiment.
Fig. 4 is the sub-process figure of the step S400 in a kind of credit card repayment method of providing in the second embodiment.
Fig. 5 is the sub-process figure of the step S400 in a kind of credit card repayment method of providing in the 3rd embodiment.
A kind of functional block diagram of credit card repayment device of Fig. 6 for providing in the first embodiment.
Fig. 7 is the subfunction block diagram of the selection module in a kind of credit card repayment device of providing in the first embodiment.
Fig. 8 is the subfunction block diagram of the refund module in a kind of credit card repayment device of providing in the first embodiment.
Fig. 9 is the subfunction block diagram of the refund module in a kind of credit card repayment method device of providing in the second embodiment.
Figure 10 is the subfunction block diagram of the refund module in a kind of credit card repayment method device of providing in the 3rd embodiment.
Embodiment
For making the object, technical solutions and advantages of the present invention clearly, below in conjunction with accompanying drawing, embodiment of the present invention is described further in detail.
Fig. 1 is the process flow diagram of a kind of credit card repayment method provided in the first embodiment.Credit card repayment method can be applicable to financial sector platform, such as, and banking system platform, e-commerce system platform, Third-party payment platform etc.Described method comprises:
Step S100, arranges and stores some the refund channels be associated with credit card.The refund channel be associated with credit card can be the Net silver account be associated with credit card; Also can to manage money matters account for the current that is associated with credit card; Can also be Third-party payment platform account, as precious in remaining sum account, micro-letter wallet account etc.
Step S200, when receiving refund instruction, selects a main refund channel according to the rule that first is predetermined from the refund channel arranged.In concrete enforcement, in step S200 the first predetermined main refund channel of rules selection one can for the refund channel of selection one acquiescence as main refund channel, select to go back a maximum refund channel of credit card number of times as main refund channel, select the payable amount of money maximum a refund channel as main refund channel, Stochastic choice refund channel as main refund channel and artificial selection refund channel as the one in main refund channel.
Step S300, judges whether the payable amount of money of main refund channel is greater than or equal to the refund amount of money of credit card.If the payable amount of money of main refund channel is less than the refund amount of money of credit card, then perform step S400.If the payable amount of money of main refund channel is equal to, or greater than the refund amount of money of credit card, then perform step S500.
Step S400, at least selects a refund channel to carry out refunding or at least select from remaining refund channel a refund channel and described main refund channel jointly to refund according to the rule that second presets from remaining refund channel.Wherein, second preset rule comprise according to acquiescence select progressively refund channel, according to go back the maximum refund channel of credit card number of times order, according to the payable amount of money order from big to small of remaining refund channel and the order etc. according to artificial selection.
Step S500, utilizes main refund channel to pay the refund amount of money of credit card.
Please refer to Fig. 2, its be select the maximum refund channel of the payable amount of money as main refund channel be first preset regular time, step S200 sub-process figure.Particularly, step S200 also comprises step below.
S201, when receiving refund instruction, obtains all refund channels be associated with credit card.
S202, obtains the payable amount of money of all refund channels.
S203, the refund channel selecting the payable amount of money maximum is as main refund channel.
In certain embodiments, preferably, the mode of refunding is selected to refund for selecting a kind of refund channel.When this mode of repayment being described with specific embodiment below, the particular flow sheet of step S400.
Please refer to Fig. 3, it is the sub-process figure of step S400 in the first embodiment.Particularly, step S400 comprises the steps.
S401, judges whether to there is the remaining refund channel be associated with credit card.This remaining refund channel is the refund channel be associated except main refund channel and with credit card.If so, then perform step S402, if not, perform step S406.
S402, judges whether to exist in remaining refund channel the refund channel that the payable amount of money is greater than or equal to the credit card repayment amount of money.When the quantity that the payable amount of money is greater than or equal to the refund channel of the credit card repayment amount of money is 0, then perform step S406.When the quantity that the payable amount of money is greater than or equal to the refund channel of the credit card repayment amount of money is 1, then perform step S403.When the quantity that the payable amount of money is greater than or equal to the refund channel of the credit card repayment amount of money is multiple, perform step S404.
S403, utilizes the refund channel chosen to pay the refund amount of money of credit card.
S404, is greater than or equal to the refund channel of the credit card repayment amount of money from the payable amount of money refund channel chosen a payable amount of money and be greater than or equal to the credit card repayment amount of money according to the rule that second presets.Wherein, the second rule preset comprises according to the order of refund channel acquiescence, according to the one of going back in the order of the maximum refund channel of credit card number of times, the payable amount of money order from big to small according to remaining refund channel and the order according to artificial selection etc.
S405, the refund channel utilizing the payable amount of money to be greater than or equal to the credit card repayment amount of money pays the refund amount of money of credit card.
Step S406, Sorry, your ticket has not enough value for reminding user credit card repayment.This prompting message can be word or voice.
In certain embodiments, preferably, select the mode of refunding for main refund channel must be needed to refund.When this mode of repayment being described with specific embodiment below, the particular flow sheet of step S400.
Please refer to Fig. 4, it is the sub-process figure of step S400 in the second embodiment.Particularly, step S400 comprises the steps.
S411, judges whether the remaining refund channel be associated with credit card.This remaining refund channel is the refund channel be associated with credit card except main refund channel.If so, then perform step S412, if not, perform step S416.
S412, calculates the difference of the credit card repayment amount of money and the payable amount of money of main refund channel.
S413, judges whether the payable amount of money summation of remaining refund channel is greater than or equal to the difference of calculating.If the payable amount of money summation of remaining refund channel is greater than or equal to the difference of calculating, perform step S414.If the payable amount of money summation of remaining refund channel is less than the difference of calculating, perform step S416.
S414, from remaining refund channel, choose channel of refunding accordingly according to the rule that second presets, the payable amount of money summation of the refund channel of acquisition is greater than or equal to this difference.Wherein, second rule preset can be the order according to refund channel acquiescence, according to the order of going back the maximum refund channel of credit card number of times, according to the payable amount of money order from big to small of remaining refund channel, and according to the one in the order etc. of artificial selection.
Step S415, the refund channel that utilization is chosen and main refund channel pay the refund amount of money of credit card jointly.
Step S416, Sorry, your ticket has not enough value for reminding user credit card repayment.This prompting message can be word or voice.
In certain embodiments, preferably, the mode of refunding is selected to be the mode selecting refund channel minimum.Time below for this mode of repayment being described with specific embodiment, the particular flow sheet of step S400.
Please refer to Fig. 5, it is the sub-process figure of step S400 in the 3rd embodiment.Particularly, step S400 comprises the steps.
S421, judges whether the remaining refund channel be associated with credit card.This remaining refund channel is the refund channel be associated with credit card except main refund channel.If so, then perform step S422, if not, perform step S430.
S422, combines all refund channels according to the credit card repayment amount of money, and to make the payable amount of money of refund mix be greater than or equal to the credit card repayment amount of money, all refund channels comprise main refund channel and remaining refund channel.
S423, judges the quantity of refund mix.When the quantity of refund mix is 1, perform step S424; When the quantity of refund mix is multiple, perform S425; When the quantity of refund mix is 0, perform step S430.
S424, obtains the refund channel of this refund mix and utilizes the refund channel obtained to refund.
S425, picks out the refund mix of refund channel minimum number.When the quantity of refund mix is multiple, pick out the refund mix of refund channel minimum number.
S426, judges the quantity of the refund mix of refund channel minimum number.When the quantity of the refund mix of refund channel minimum number is 1, perform step S427; When the quantity of the refund mix of refund channel minimum number is multiple, perform step S428.
S427, obtains the refund channel of this refund mix and utilizes the refund channel obtained to refund.
S428, to go out to refund mix according to the rule interestingness that second presets.When the quantity of the minimum refund mix of refund channel is multiple, the Second Rule according to presetting selects refund mix.Wherein, second rule preset can be the order according to refund channel acquiescence, according to the order of going back the maximum refund channel of credit card number of times, according to the payable amount of money order from big to small of remaining refund channel, and according to the one in the order etc. of artificial selection.
S429, the refund channel of the refund mix selected by acquisition also utilizes the refund channel obtained to refund.
Step S430, Sorry, your ticket has not enough value for reminding user credit card repayment.This prompting message can be word or voice.
A kind of functional block diagram of credit card repayment device of Fig. 6 for providing in the first embodiment.This device comprise arrange module 11, select module 12, judge module 13, refund module 14, memory module 15.
Module 11 is set, for arranging some the refund channels be associated with credit card and being stored in memory module 15.The refund channel be associated with credit card can be the Net silver account be associated with credit card; Also can to manage money matters account number for the current that is associated with credit card; Can also be Third-party payment platform account, as precious in remaining sum account number, micro-letter wallet account number etc.
Selecting module 12, for when receiving refund instruction, from the refund channel arranged, selecting a main refund channel according to the first rule preset.In concrete enforcement, the refund channel that the first rule preset comprises selection one acquiescence as main refund channel, select to go back a maximum refund channel of credit card number of times as main refund channel, select the payable amount of money maximum a refund channel as main refund channel, Stochastic choice refund channel as main refund channel and artificial selection refund channel as main refund channel.Selection module 12 is illustrated for selecting the payable amount of money maximum refund channel as main refund channel below, as shown in Figure 7 for this first rule preset.Particularly, module 12 is selected also to comprise acquiring unit 121 and selection unit 122.
Acquiring unit 121, for receiving the refund instruction of user, and obtains all refund channels be associated with this credit card according to refund instruction.Wherein, refund instruction comprises credit card number, the refund information of this credit card and the refund channel information that associates with this credit card.Acquiring unit 121 is also with the payable amount of money obtaining all refund channels.
Selection unit 122, for selecting refund channel that the payable amount of money is the highest as main refund channel.Understandably, if the first rule preset is the main refund channel of acquiescence, selection unit 122 selects the refund channel of acquiescence as main separation channel.If first preset rule be the main refund channel of artificial selection, selection unit 122 can respond user operation select wherein a refund channel as main refund channel.
Judge module 13, for judging whether the payable amount of money of main refund channel is greater than or equal to the refund amount of money of credit card.
Refund module 14, for being greater than or less than the refund amount of money of credit card when the payable amount of money of main refund channel, utilizes main refund channel to pay the refund amount of money of credit card.
Refund module 14, also for being less than the refund amount of money of credit card when the payable amount of money of main refund channel, from remaining refund channel, a refund channel is at least selected to carry out refunding or at least select a refund channel and described main refund channel jointly to refund according to the second rule preset.Wherein, this second rule preset can for the order according to refund channel acquiescence, according to the one of going back in the order of the maximum refund channel of credit card number of times, the payable amount of money order from big to small according to remaining refund channel or the order according to artificial selection etc.
In certain embodiments, preferably, the mode of refunding is selected to refund for selecting a kind of refund channel.Below by the specific embodiment of refund module 14 during this mode of repayment of detailed description.
Referring to Fig. 8, the refund module 14 of the first embodiment comprises judging unit 141, chooses unit 142, refund unit 143, reminding unit 144.
Judging unit 141, for judging whether the remaining refund channel be associated with credit card.This remaining refund channel is the refund channel be associated with credit card except main refund channel.
Judging unit 141, also for judging whether to exist in remaining refund channel the refund channel that the payable amount of money is greater than or equal to the credit card repayment amount of money.
Choose unit 142, for when there is the payable amount of money and being greater than or equal to the refund channel of the credit card repayment amount of money, to be greater than or equal to the refund channel of the credit card repayment amount of money from the payable amount of money according to the second rule preset and to choose a refund channel.
Refund unit 143, for the refund amount of money utilizing the refund channel chosen to pay credit card.
Reminding unit 144, for when there is not the remaining refund channel that is associated with credit card or when there is not the payable amount of money and being greater than or equal to the refund channel of the credit card repayment amount of money, exporting prompting message to remind user's credit card repayment insufficient in amount.This prompting message can be word or voice.
In certain embodiments, preferably, select the mode of refunding for main refund channel must be needed to refund.Below by the specific embodiment of refund module 14 during this mode of repayment of detailed description.
Please refer to Fig. 9, the refund module 14 of the second embodiment comprise judging unit 141 ', choose unit 142 ', refund unit 143 ', reminding unit 144 ', computing unit 145.
, there is for judging whether the remaining refund channel be associated with credit card in judging unit 141 '.This remaining refund channel is the refund channel be associated with credit card except main refund channel.
Computing unit 145, for when there is the remaining refund channel be associated with credit card, calculates the difference of the credit card repayment amount of money and the payable amount of money of main channel.
Judging unit 141 ', also for judging whether the payable amount of money summation of remaining refund channel is greater than or equal to the difference of calculating.
Choose unit 142 ', from remaining refund channel, choose channel of refunding accordingly for the rule preset according to second, the payable amount of money summation of the refund channel chosen is greater than or equal to this difference.Wherein, second rule preset can be the order according to refund channel acquiescence, according to the order of going back the maximum refund channel of credit card number of times, according to the payable amount of money order from big to small of remaining refund channel, it also can be the order etc. according to artificial selection.
Refund unit 143 ', utilizes main refund channel to pay the refund amount of money of credit card with the refund channel chosen.
Reminding unit 144 ', for when there is not the remaining refund channel that is associated with credit card or being less than the difference of calculating when the payable amount of money summation of remaining refund channel, exports prompting message to remind user's credit card repayment insufficient in amount.This prompting message can be word or voice.
In certain embodiments, preferably, the mode of refunding is selected to be the mode selecting refund channel minimum.Time below for this mode of repayment being described with specific embodiment, the specific embodiment of refund module 14.
Please refer to Figure 10, the refund module 14 of the 3rd embodiment comprises judging unit 141 ", choose unit 142 ", refund unit 143 ", reminding unit 144 ", assembled unit 145.
Judging unit 141 ", for judging whether the remaining refund channel be associated with credit card.This remaining refund channel is the refund channel be associated with credit card except main refund channel.
Assembled unit 145, if for there being the remaining refund channel be associated with credit card, according to the credit card repayment amount of money, all refund channels are combined, to make the payable amount of money of refund mix be greater than or equal to the credit card repayment amount of money, all refund channels comprise main refund channel and remaining refund channel.
Judging unit 141 ", also for judging the quantity of refund mix.
Refund unit 143 ", for when the quantity of refund mix is 1, obtains the refund channel of this refund mix and utilize the refund channel obtained to refund.
Choose unit 142 ", for when the quantity of refund mix is multiple, pick out the refund mix of refund channel minimum number.
Judging unit 141 ", also for judging the quantity of the refund mix of refund channel minimum number.
Refund unit 143 ", when being also 1 for the quantity of the refund mix when refund channel minimum number, obtaining the refund channel of this refund mix and utilize the refund channel obtained to refund.
Choose unit 142 ", when being also multiple for the quantity of the refund mix when refund channel minimum number, the Second Rule according to presetting selects refund mix.Wherein, second rule preset can be the order according to refund channel acquiescence, according to the order of going back the maximum refund channel of credit card number of times, according to the payable amount of money order from big to small of remaining refund channel, it also can be the order etc. according to artificial selection.
Refund unit 143 ", also for obtaining the refund channel of selected refund mix and utilizing the refund channel obtained to refund.
Reminding unit 144 "; when being 0 for being the quantity of 0 or the few refund mix of refund channel quantity when the quantity of the combination that there is not remaining refund channel or the refund channel be associated with credit card, export prompting message to remind user's credit card repayment insufficient in amount.This prompting message can be word or voice.
Above credit card repayment method and device, can be refunded by multiple channel, occurs the probability that Sorry, your ticket has not enough value, facilitate user when greatly reducing refund.
The foregoing is only preferred embodiment of the present invention, not in order to limit the present invention, within the spirit and principles in the present invention all, any amendment done, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1. a credit card repayment method, is characterized in that, described method comprises:
When receiving refund instruction, from the refund channel arranged, select a main refund channel according to the rule that first is predetermined;
Judge whether the payable amount of money of described main refund channel is greater than or equal to the refund amount of money of credit card; And
If the payable amount of money of described main refund channel is less than the refund amount of money of described credit card, from remaining refund channel, a refund channel is at least selected to carry out refunding or at least select from remaining refund channel a refund channel and described main refund channel jointly to refund according to the rule that second presets.
2. the method for claim 1, it is characterized in that, the refund channel that described first predetermined rule comprises selection one acquiescence as main refund channel, select to go back a maximum refund channel of credit card number of times as main refund channel, select the payable amount of money maximum a refund channel as main refund channel, Stochastic choice refund channel as main refund channel and artificial selection refund channel as the one in main refund channel; Described second rule preset comprise according to refund channel acquiescence order, according to go back the maximum refund channel of credit card number of times order, according to the payable amount of money order from big to small of remaining refund channel and according to the one in the order of artificial selection.
3. the method for claim 1, it is characterized in that, comprise according to the step that the second rule preset at least selects a refund channel to carry out refunding or at least select from remaining refund channel a refund channel and described main refund channel jointly to refund from remaining refund channel:
Judge whether to there is the remaining refund channel be associated with described credit card;
If there is the remaining refund channel that is associated with described credit card, judge whether to exist in remaining refund channel the refund channel that the payable amount of money is greater than or equal to the described credit card repayment amount of money;
If there is the refund channel that the payable amount of money is greater than or equal to the described credit card repayment amount of money, be greater than or equal to the refund channel of the credit card repayment amount of money from the payable amount of money refund channel chosen a payable amount of money and be greater than or equal to the described credit card repayment amount of money according to the rule that described second presets; And
The refund channel utilizing the payable amount of money to be greater than or equal to the described credit card repayment amount of money pays the refund amount of money of described credit card.
4. the method for claim 1, it is characterized in that, comprise according to the step that the second rule preset at least selects a refund channel to carry out refunding or at least select from remaining refund channel a refund channel and described main refund channel jointly to refund from remaining refund channel:
Judge whether the remaining refund channel be associated with described credit card;
Calculate the difference of the described credit card repayment amount of money and the payable amount of money of described main refund channel;
Judge whether the payable amount of money summation of remaining refund channel is greater than or equal to described difference;
If the payable amount of money summation of remaining refund channel is greater than or equal to described difference, from remaining refund channel, choose channel of refunding accordingly according to the rule that described second presets, the payable amount of money neutralization of the refund channel of acquisition is greater than or equal to described difference; And
The refund channel that utilization is chosen and described main refund channel pay the refund amount of money of described credit card jointly.
5. the method for claim 1, it is characterized in that, comprise according to the step that the second rule preset at least selects a refund channel to carry out refunding or at least select from remaining refund channel a refund channel and described main refund channel jointly to refund from remaining refund channel:
Judge whether the remaining refund channel be associated with described credit card;
Combined by all refund channels according to the described credit card repayment amount of money, to make the payable amount of money of refund mix be greater than or equal to the described credit card repayment amount of money, all refund channels comprise described main refund channel and remaining refund channel;
Judge the quantity of refund mix;
When the quantity of described refund mix is 1, obtains the refund channel of described refund mix and utilize the refund channel obtained to refund;
When the quantity of described refund mix is multiple, pick out the refund mix of refund channel minimum number;
Judge the quantity of the refund mix of described refund channel minimum number;
When the quantity of the refund mix of the described refund channel minimum number of fruit is 1, obtains the refund channel of described refund mix and utilize the refund channel obtained to refund;
When the quantity of the refund mix of described refund channel minimum number is multiple, select refund mix according to described default Second Rule, the refund channel of the refund mix selected by acquisition also utilizes the refund channel obtained to refund.
6. a credit card repayment device, is characterized in that, described device comprises:
Selecting module, for when receiving refund instruction, from the refund channel arranged, selecting a main refund channel according to the rule that first is predetermined;
Judge module, for judging whether the payable amount of money of described main refund channel is greater than or equal to the refund amount of money of credit card; And
Refund module, for when the payable amount of money of described main refund channel is less than the refund amount of money of described credit card, from remaining refund channel, a refund channel is at least selected to carry out refunding or at least select from remaining refund channel a refund channel and described main refund channel jointly to refund according to the rule that second presets.
7. device as claimed in claim 6, it is characterized in that, the refund channel that described first predetermined rule comprises selection one acquiescence as main refund channel, select to go back a maximum refund channel of credit card number of times as main refund channel, select the payable amount of money maximum a refund channel as main refund channel, Stochastic choice refund channel as main refund channel and artificial selection refund channel as the one in main refund channel; Described second rule preset comprise according to refund channel acquiescence order, according to go back the maximum refund channel of credit card number of times order, according to the payable amount of money order from big to small of remaining refund channel and according to the one in the order of artificial selection.
8. device as claimed in claim 6, is characterized in that, described refund module comprises judging unit, chooses unit, refund unit;
Described judging unit, for judging whether the remaining refund channel be associated with described credit card;
Described judging unit, also for judging whether to exist in remaining refund channel the refund channel that the payable amount of money is greater than or equal to the described credit card repayment amount of money;
Describedly choose unit, for when there is the payable amount of money and being greater than or equal to the refund channel of the credit card repayment amount of money, to be greater than or equal to the refund channel of the described credit card repayment amount of money from the payable amount of money according to the described second rule preset and to choose a refund channel;
Described refund unit, the refund channel for choosing described in utilizing pays the refund amount of money of credit card.
9. device as claimed in claim 6, is characterized in that, described refund module comprises judging unit, chooses unit, refund unit, computing unit;
, there is for judging whether the remaining refund channel be associated with described credit card in described judging unit;
Described computing unit, for when there is the remaining refund channel be associated with credit card, calculates the difference of the described credit card repayment amount of money and the payable amount of money of described main refund channel;
Described judging unit, also for judging whether the payable amount of money summation of remaining refund channel is greater than or equal to described difference;
Describedly choose unit, for when the payable amount of money summation of remaining refund channel is greater than or equal to described difference, from remaining refund channel, choose channel of refunding accordingly according to the rule that described second presets, the payable amount of money of the refund channel chosen comprehensively is greater than or equal to described difference;
Described refund unit, for the refund amount of money utilizing described main refund channel and the described refund channel chosen to pay described credit card.
10. device as claimed in claim 6, is characterized in that, described refund module can also comprise judging unit, chooses unit, refund unit, assembled unit;
Described judging unit, for judging whether the remaining refund channel be associated with described credit card;
Described assembled unit, if for there being the remaining refund channel be associated with described credit card, according to the described credit card repayment amount of money, all refund channels are combined, to make the payable amount of money of refund mix be greater than or equal to the described credit card repayment amount of money, all refund channels comprise described main refund channel and described remaining refund channel;
Described judging unit, also for judging the quantity of described refund mix;
Described refund unit, for when the quantity of described refund mix is 1, obtains the refund channel of described refund mix and utilizes the refund channel obtained to refund;
Describedly choose unit, for when the quantity of described refund mix is multiple, pick out the refund mix of refund channel minimum number;
Described judging unit, also for judging the quantity of the refund mix of refund channel minimum number;
Described refund unit, when being also 1 for the quantity of the refund mix when described refund channel minimum number, obtaining the refund channel of described refund mix and utilizes the refund channel obtained to refund;
Describedly choose unit, when being also multiple for the quantity of the refund mix when described refund channel minimum number, select refund mix according to described default Second Rule;
Described refund unit, also for obtaining the refund channel of selected refund mix and utilizing the refund channel obtained to refund.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510713087.1A CN105205716A (en) | 2015-10-28 | 2015-10-28 | Credit card repayment method and device |
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| CN201510713087.1A CN105205716A (en) | 2015-10-28 | 2015-10-28 | Credit card repayment method and device |
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Cited By (14)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106447322A (en) * | 2016-09-30 | 2017-02-22 | 努比亚技术有限公司 | Mobile payment method and device |
| CN106897924A (en) * | 2016-08-24 | 2017-06-27 | 阿里巴巴集团控股有限公司 | A kind of Internet resources transfer method, funds transfer method, repayment method and device |
| CN107609977A (en) * | 2017-08-17 | 2018-01-19 | 深圳前海微众银行股份有限公司 | Establishment of fund throws the method, apparatus and computer-readable recording medium of plan surely |
| CN107665440A (en) * | 2016-07-28 | 2018-02-06 | 腾讯科技（深圳）有限公司 | Credit accounts system of selection and device |
| CN108446974A (en) * | 2018-03-06 | 2018-08-24 | 平安科技（深圳）有限公司 | Data processing equipment, method and computer readable storage medium |
| CN108492170A (en) * | 2018-02-26 | 2018-09-04 | 平安普惠企业管理有限公司 | A kind of repayment method, computer readable storage medium and terminal device |
| CN109255695A (en) * | 2017-07-12 | 2019-01-22 | 北京嘀嘀无限科技发展有限公司 | The loan repayment treating method and apparatus of online trade platform |
| CN109584033A (en) * | 2017-09-28 | 2019-04-05 | 平安普惠企业管理有限公司 | To public repayment method, device, equipment and computer readable storage medium |
| CN109816367A (en) * | 2019-01-04 | 2019-05-28 | 平安科技（深圳）有限公司 | Transaction processing method, terminal device and computer storage medium |
| CN109816248A (en) * | 2019-01-28 | 2019-05-28 | 恒生电子股份有限公司 | Business data processing method, apparatus and system |
| 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 |
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| CN110996273A (en) * | 2019-11-28 | 2020-04-10 | 中国银行股份有限公司 | Automatic overdue payment collection method and device |
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| CN107665440A (en) * | 2016-07-28 | 2018-02-06 | 腾讯科技（深圳）有限公司 | Credit accounts system of selection and device |
| CN106897924A (en) * | 2016-08-24 | 2017-06-27 | 阿里巴巴集团控股有限公司 | A kind of Internet resources transfer method, funds transfer method, repayment method and device |
| CN106897924B (en) * | 2016-08-24 | 2021-12-10 | 创新先进技术有限公司 | Network resource transfer method, fund transfer method, payment method and device |
| CN106447322A (en) * | 2016-09-30 | 2017-02-22 | 努比亚技术有限公司 | Mobile payment method and device |
| CN109255695A (en) * | 2017-07-12 | 2019-01-22 | 北京嘀嘀无限科技发展有限公司 | The loan repayment treating method and apparatus of online trade platform |
| CN107609977A (en) * | 2017-08-17 | 2018-01-19 | 深圳前海微众银行股份有限公司 | Establishment of fund throws the method, apparatus and computer-readable recording medium of plan surely |
| CN109584033A (en) * | 2017-09-28 | 2019-04-05 | 平安普惠企业管理有限公司 | To public repayment method, device, equipment and computer readable storage medium |
| CN108492170A (en) * | 2018-02-26 | 2018-09-04 | 平安普惠企业管理有限公司 | A kind of repayment method, computer readable storage medium and terminal device |
| CN108446974A (en) * | 2018-03-06 | 2018-08-24 | 平安科技（深圳）有限公司 | Data processing equipment, method and computer readable storage medium |
| CN108446974B (en) * | 2018-03-06 | 2023-03-24 | 平安科技（深圳）有限公司 | Data processing apparatus, method and computer-readable 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 |
| CN109816367A (en) * | 2019-01-04 | 2019-05-28 | 平安科技（深圳）有限公司 | Transaction processing method, terminal device and computer storage medium |
| CN109816248A (en) * | 2019-01-28 | 2019-05-28 | 恒生电子股份有限公司 | Business data processing method, apparatus and system |
| 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 |
| CN110705980A (en) * | 2019-09-09 | 2020-01-17 | 平安普惠企业管理有限公司 | Method, device and storage medium for processing transaction payment operation based on data analysis |
| CN110996273A (en) * | 2019-11-28 | 2020-04-10 | 中国银行股份有限公司 | Automatic overdue payment collection method and device |
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