CN111341422B - Credit seeking method, storage medium and mobile terminal - Google Patents
Credit seeking method, storage medium and mobile terminal Download PDFInfo
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- CN111341422B CN111341422B CN202010112511.8A CN202010112511A CN111341422B CN 111341422 B CN111341422 B CN 111341422B CN 202010112511 A CN202010112511 A CN 202010112511A CN 111341422 B CN111341422 B CN 111341422B
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- 230000008520 organization Effects 0.000 claims description 19
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 claims description 9
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- 239000010931 gold Substances 0.000 claims description 9
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- G16H40/00—ICT specially adapted for the management or administration of healthcare resources or facilities; ICT specially adapted for the management or operation of medical equipment or devices
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- 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
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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Abstract
The invention provides a credit seeking method, a storage medium and a mobile terminal, wherein in the method, after a patient registers, the return results of a plurality of credit institutions are obtained, each assessment factor is respectively set according to each return result, and then the credit points of the patient are calculated according to the total sum of all the assessment factors. Thus, whether the patient can carry out credit medical treatment or not is judged according to the credit points, if so, a corresponding credit medical treatment limit is distributed to the patient according to the credit points, and then the patient can carry out credit medical treatment. It can be seen that the credit points of the patient are comprehensively estimated by referring to a plurality of credit institutions in the embodiment, so that the estimated credit points can reflect the actual personal credit conditions of the patient more truly.
Description
Technical Field
The invention relates to the technical field of medical treatment, in particular to a credit seeking method, a storage medium and a mobile terminal.
Background
Credit hospitalization is a mode of hospitalization in which patients are given a certain amount after the credit of the patients is assessed, so that the patients can realize diagnosis and treatment before payment. For example, the payment device provides a credit medical treatment mode, and by evaluating the sesame credit line, the patient can obtain the medical treatment line provided by the flower, and the payment device is used when a designated hospital is in medical treatment.
The existing credit seeking mode usually adopts a single reference index for evaluating the credit of the patient, so that the actual credit condition of the patient cannot be reflected more truly. For example, the payment treasures only refer to the sesame credit, so as to reflect the actual credit situation of the patients, but because some patients who do not use the payment treasures have low sesame credit, the single investigation index of the payment treasures can not reflect the actual personal credit situation of the patients more truly.
Disclosure of Invention
In view of the above-mentioned shortcomings of the prior art, the present invention aims to provide a credit seeking method, a storage medium and a mobile terminal, which aim to solve the problem that the credit seeking mode in the prior art cannot truly reflect the actual personal credit condition of a patient.
In a first aspect, the present invention provides a credit seeking method, which is executed by a credit seeking system provided on a mobile terminal, the credit seeking method comprising:
after registering, the patient acquires the returned results of a plurality of credit institutions;
setting each corresponding assessment factor according to each return result, and calculating credit points corresponding to the patient according to all the assessment factors;
if the credit score is greater than or equal to the preset lowest credit score, a corresponding credit medical treatment amount is distributed to the patient according to the credit score, so that the patient can begin to seek medical treatment;
after the patient is in the doctor, the expense generated by the patient in the doctor is obtained and various payment combinations are provided for the patient to pay the doctor.
Further, before the step of registering, the method further comprises:
responding to the identity registration request of the patient, and inputting related information of the patient into the credit medical system, wherein the related information comprises personal identity information and payment mode information.
Further, the credit organization comprises an ant gold suit, and the returned result of the ant gold suit is sesame credit;
the step of setting each corresponding rating factor according to each returned result comprises the following steps: setting assessment factors corresponding to the ant golden clothes according to the sesame credit score;
the step of setting the assessment factors corresponding to the ant golden clothes according to the sesame credit score comprises the following steps:
if the sesame credit score is smaller than a preset threshold value, setting an assessment factor corresponding to the ant golden clothes to be 0;
if the sesame credit is greater than or equal to a preset threshold, setting the sesame credit to be corresponding to the assessment factor of the ant golden suit according to the following formula
A＝0.001*K
Wherein A is an assessment factor corresponding to golden clothes of the ants, and K is the sesame credit.
Further, the credit organization further comprises a social security bureau, and a return result of the social security bureau is a medical security gear;
the step of setting each corresponding rating factor according to each returned result respectively further comprises: setting assessment factors corresponding to the social security bureau according to the medical security gear;
the step of setting the assessment factors corresponding to the social security bureau according to the medical security gear comprises the following steps:
if the medical insurance gear is a first gear, setting an assessment factor corresponding to the social security bureau as a first gear value;
if the medical insurance gear is the second gear, setting the assessment factor corresponding to the social insurance bureau as a second gear value;
and if the medical insurance gear is the third gear, setting the assessment factor corresponding to the social security bureau as a third gear value.
Further, the credit mechanism further comprises a silver-linked mechanism, and the returned result of the silver-linked mechanism is a credit grade;
the step of setting each corresponding rating factor according to each returned result respectively further comprises: setting an evaluation factor corresponding to the Unionpay mechanism according to the credit level;
the step of setting the rating factors corresponding to the Unionpay mechanism according to the credit level comprises the following steps:
if the credit rating is excellent, setting the rating factor corresponding to the Unionpay mechanism as a first rating value;
if the credit rating is good, setting the assessment factor corresponding to the silver-linked mechanism as a second rating value;
if the credit rating is normal, setting the assessment factor corresponding to the Unionpay mechanism as a third level value;
and if the credit grade is poor, setting the rating factor corresponding to the Unionpay mechanism as a fourth grade value.
Further, the step of calculating credit points corresponding to the patient based on all the evaluation factors includes:
calculating the credit points by using the following formulas
Wherein Y is the credit score, X is the highest credit score, n is the number of all credit institutions, A 1 For the rating factor corresponding to the first credit institution, A 2 For the rating factor corresponding to the second credit organization, A n Is the rating factor for the nth credit institution.
Further, the step of assigning the patient a corresponding credit line of medical attention according to the credit score comprises:
determining a hospitalization star rating of the patient based on the credit score;
and distributing the credit line of medical treatment for the patient according to the credit line of medical treatment corresponding to the medical treatment star.
In a second aspect, the present invention provides a computer readable storage medium having stored thereon a credit seeking procedure which, when executed by a processor, performs the steps of the credit seeking method as described in the first aspect.
In a third aspect, the present invention provides a mobile terminal comprising a memory, a processor and a credit seeking procedure stored on the memory and executable on the processor, which credit seeking procedure when executed by the processor implements the steps of the credit seeking method as described in the first aspect.
The beneficial effects are that: the invention provides a credit seeking method, a storage medium and a mobile terminal, wherein in the method, after a patient registers, the return results of a plurality of credit institutions are obtained, each assessment factor is respectively set according to each return result, and then the credit points of the patient are calculated according to the total sum of all the assessment factors. Thus, whether the patient can carry out credit medical treatment or not is judged according to the credit points, if so, a corresponding credit medical treatment limit is distributed to the patient according to the credit points, and then the patient can carry out credit medical treatment. It can be seen that the credit points of the patient are comprehensively estimated by referring to a plurality of credit institutions in the embodiment, so that the estimated credit points can reflect the actual personal credit conditions of the patient more truly.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments described in the present invention, and other drawings may be obtained according to the drawings without inventive effort to those skilled in the art.
Fig. 1 is a flow chart of a credit seeking method provided in embodiment 1;
fig. 2 is a specific structural diagram of a mobile terminal provided in embodiment 2.
Detailed Description
The present invention can be applied to the scene as described below. In this scenario, before a patient goes to a hospital to make a doctor, after registering through the credit doctor-seeking system on the mobile terminal, the system will evaluate the credit doctor-seeking score of the patient by using a plurality of reference indexes, and allocate a corresponding credit doctor-seeking amount, so that the patient makes a doctor-seeking. Therefore, the invention can truly reflect the actual credit condition of the patient.
It should be noted that the above application scenario is only shown for the convenience of understanding the present invention, and embodiments of the present invention are not limited in this respect. Rather, embodiments of the invention may be applied to any scenario where applicable.
In order that the above-recited objects, features and advantages of the present invention will become more readily apparent, a more particular description of the invention will be rendered by reference to the appended drawings and appended detailed description.
Example 1
The present embodiment provides a credit seeking method, which is executed by a credit seeking system disposed on a mobile terminal, referring to fig. 1, and includes:
s10, after registering, the patient acquires the returned results of a plurality of credit institutions.
In step S10, in order to enable the actual credit condition of the patient to be estimated more truly, a plurality of credit authorities are required for the estimation.
Further, before step S10, the method further includes:
and step A, responding to the identity registration request of the patient, and inputting the related information of the patient into the credit medical system.
In the above step a, if the patient wants to make a credit visit, the patient needs to first register on the system, and if the patient does not register on the system, the patient cannot register, so in this case, the patient needs to register the identity on the system. In this way, the system responds to the identity registration request of the patient and inputs relevant information of the patient into the system, wherein the relevant information comprises personal identity information, payment mode information and the like, such as identity card information, contact mode, bank card number for payment and the like.
S20, setting each corresponding assessment factor according to each return result, and calculating credit points corresponding to the patient according to all the assessment factors.
In the above step S20, since the return results of the plurality of credit authorities are obtained in step S10, it is necessary to set a corresponding rating factor for calculating credit points of the patient later, respectively, according to each return result. It can be seen that, in this embodiment, the credit points of the patient are comprehensively calculated by using a plurality of reference indexes, so that the calculated credit points can truly reflect the actual credit conditions of the patient.
Further, the credit organization comprises an ant gold suit, and the returned result of the ant gold suit is sesame credit. Based on this, the "setting each corresponding rating factor according to each returned result" in the above step S20 includes:
s21, setting assessment factors corresponding to the ant golden clothes according to the sesame credit.
Still further, step S21 includes:
s211, if the sesame credit score is smaller than a preset threshold value, setting the assessment factor corresponding to the ant golden clothes to be 0.
S212, if the sesame credit score is greater than or equal to a preset threshold value, setting the sesame credit score as an evaluation factor corresponding to the ant golden suit according to the following formula
A＝0.001*K
Wherein A is an assessment factor corresponding to golden clothes of the ants, and K is the sesame credit.
In the above steps S211 and S212, when the credit organization includes the ant gold suit, the system acquires the sesame credit of the patient from the payment device, and sets the corresponding rating factor according to the sesame credit. Specifically, if the sesame credit score is smaller than a preset threshold value, the patient can be considered to have poor credit on ant golden clothes, and the assessment factor is directly set to be 0; if the sesame credit is not less than the preset threshold, setting the rating factor according to the formula in step S212.
In the present embodiment, a threshold is presetThe specific value of the value can be set reasonably, and the preset threshold value is set to 600 in this embodiment. Therefore, if the patient's sesame credit is divided into 700 points, the assessment factor corresponding to the golden ant (denoted as A 1 ) 0.7.
Further, the credit organization comprises a social security bureau, and the returned result of the social security bureau is a medical security gear. Based on this, the "setting each corresponding rating factor according to each returned result" in the above step S20 includes:
s22, setting assessment factors corresponding to the social security bureau according to the medical security gear.
Still further, step S22 includes:
s221, if the medical insurance gear is a first gear, setting the assessment factor corresponding to the social security bureau as a first gear value.
And S222, if the medical insurance gear is the second gear, setting the assessment factor corresponding to the social security bureau as a second gear value.
And S223, if the medical insurance gear is the third gear, setting the assessment factor corresponding to the social security bureau as a third gear value.
In the above steps S221 to S223, when the credit institution includes the social security bureau, the system acquires the medical security gear of the patient from the social security bureau, and sets the corresponding assessment factor according to the medical security gear. Specifically, if the medical insurance gear is a first gear, setting the assessment factor as a first gear value; if the medical insurance gear is the second gear, setting the assessment factor as a second gear value; if the medical insurance gear is the third gear, setting the assessment factor as a third gear value; in addition, if the medical insurance gear is abnormal, the assessment factor is set to 0.
In this embodiment, the first gear value, the second gear value and the third gear value may be set reasonably, and preferably, the first gear value, the second gear value and the third gear value are 0.9, 0.8 and 0.6 in sequence. Therefore, if the patient's medical insurance gear is the second gear, the corresponding social security assessment factor (denoted as A 2 ) 0.8.
Further, the credit organization comprises a silver-linked organization, and the returned result of the silver-linked organization is the credit grade. Based on this, the "setting each corresponding rating factor according to each returned result" in the above step S20 includes:
s23, setting an evaluation factor corresponding to the Unionpay mechanism according to the credit level.
Still further, step S23 includes:
and S231, setting the rating factor corresponding to the Unionpay mechanism as a first rating value if the credit rating is excellent.
And S232, setting the assessment factor corresponding to the Unionpay mechanism as a second level value if the credit level is good.
And S233, setting the assessment factor corresponding to the Unionpay mechanism as a third grade value if the credit grade is normal.
And S234, if the credit rating is poor, setting the rating factor corresponding to the Unionpay mechanism as a fourth rating value.
In the above steps S231 to S234, when the credit institution includes the banking institution, the system sets a corresponding rating factor according to the credit rating after acquiring the credit rating of the patient to the banking institution. Specifically, if the credit rating is excellent, setting the rating factor to a first rating value; if the credit rating is good, setting the rating factor to a second rating value; if the credit rating is normal, setting the rating factor to a third rating value; if the credit rating is poor, the rating factor is set to a fourth rating value.
In this embodiment, the first level value, the second level value, the third level value and the fourth level value may be set reasonably, and preferably, the first level value, the second level value, the third level value and the fourth level are 0.9, 0.8, 0.6 and 0 in this embodiment. Thus, if the patient's credit rating is good, the rating factor (denoted as A 3 ) 0.8.
It should be noted that, the credit organization in this embodiment may further include other credit organizations, for example, "qianjiang score" in hangzhou, etc., and in addition, the rating factors corresponding to the other credit organizations may be set reasonably according to the corresponding credit organizations.
Further, the "calculating credit points for the patient based on all the evaluation factors" in the above step S20 includes:
s24, calculating the credit points of all the assessment factors through the following formulas
Wherein Y is the credit score, X is the highest credit score, n is the number of all credit institutions, A 1 For the rating factor corresponding to the first credit institution, A 2 For the rating factor corresponding to the second credit organization, A n Is the rating factor for the nth credit institution.
In the above step S24, after the assessment factors are set for the plurality of credit authorities, the credit points of the patient can be calculated by substituting all the assessment factors into the formula in step S24.
In this embodiment, X is set to 100 (i.e. the calculated credit score is not greater than 100), if the credit organization includes the ant gold, social security agency and Unionpay organization described in steps S21 to S23, n is 3, the first credit organization is the ant gold, a 1 0.7, the second credit bureau is a social security bureau, A 2 0.8, the third credit organization is a silver-linked organization, A 3 At 0.8, credit score Y is calculated to be approximately 77 points.
S30, if the credit score is greater than or equal to a preset lowest credit score, a corresponding credit medical treatment amount is distributed to the patient according to the credit score, so that the patient can begin medical treatment.
In the above step S30, after the credit score of the patient is comprehensively evaluated, if the credit score of the patient is smaller than the preset minimum credit score (i.e. the actual credit condition of the patient is worse), the patient cannot take the credit for medical treatment. If the credit score of the patient is not less than the preset minimum credit score, the patient is allocated a credit line matching the credit score according to the credit score calculated in step S20. In this embodiment, the lowest credit score is 30, i.e. the patient's credit score is less than 30, and no credit seeking is possible.
However, it should be noted that if the actual cost of the patient during the medical treatment (including outpatient service and hospitalization) exceeds the credit line of medical treatment, the patient should pay the excess cost.
Further, "assigning the patient a corresponding credit line of medical attention according to the credit score" in step S30 includes:
s31, determining the doctor seeing star level of the patient according to the credit points.
S32, distributing the credit line of medical treatment for the patient according to the credit line of medical treatment corresponding to the medical treatment star level.
In the above steps S31 and S32, the credit score calculated in step S20 is between the lowest credit score and the highest credit score, so that the patient can take the credit for medical treatment. Therefore, the lowest credit score to the highest credit score are divided into a plurality of intervals, each interval corresponds to one medical grade, and each medical grade is provided with a corresponding credit medical limit. Thus, the patient's medical treatment star level can be determined according to the credit points of the patient, so that the patient is allocated a corresponding credit treatment amount.
In this embodiment, the lowest credit score is 30, the highest credit score is 100, please refer to table 1, and this embodiment divides 30 to 100 into five intervals, so there are five medical star levels.
TABLE 1
| Grade of medical treatment | One star | Two stars | Three stars | Four stars | Five stars |
| Credit points | 30-40 | 41-70 | 71-85 | 86-95 | 95-100 |
Further, referring to table 2, in this embodiment, corresponding medical limits are allocated to the five medical star stages respectively.
TABLE 2
Thus, if the credit score of the patient in this embodiment is 76, the patient is three-level in the number of medical points, and a 700-yuan credit line is allocated to the patient.
And S40, after the patient is in medical treatment, obtaining the expense generated by the patient in medical treatment and providing various payment combinations for the patient to pay the medical treatment expense.
In the above step S40, the patient may leave the hospital directly after the medical treatment, and the fee payment is performed by the system in this embodiment. Specifically, after the patient finishes the medical treatment, the cost generated by the medical treatment of the patient is calculated, and various payment combinations are provided, such as a social security card and payment bank combination, a social security card and WeChat payment combination, a social security card, payment bank and Union combination and the like.
In addition, if the patient does not pay a fee within a set period of time, the system alerts the user in a number of ways, such as by a short message or the like. If the patient does not pay the fee after overdue, the credit file is prompted and recorded by telephone.
In summary, in the credit seeking method provided in this embodiment, after a patient registers, the return results of a plurality of credit institutions are obtained, each evaluation factor is set according to each return result, and then the credit score of the patient is calculated according to the total sum of all the evaluation factors. Thus, whether the patient can carry out credit medical treatment or not is judged according to the credit points, if so, a corresponding credit medical treatment limit is distributed to the patient according to the credit points, and then the patient can carry out credit medical treatment. It can be seen that the credit points of the patient are comprehensively estimated by referring to a plurality of credit institutions in the embodiment, so that the estimated credit points can reflect the actual personal credit conditions of the patient more truly.
Based on the same inventive concept, the embodiment of the present invention further provides a computer storage medium and a mobile terminal corresponding to the above credit seeking method, and because the principle of solving the problem by using the computer storage medium and the mobile terminal in the embodiment of the present invention is similar to that of the credit seeking method described in embodiment 1 of the present invention, the specific implementation of the credit seeking method can be referred to the implementation of the above credit seeking method, and the repetition is omitted.
Example 2
The present embodiment provides a computer-readable storage medium having stored thereon a credit seeking procedure which, when executed by a processor, performs the steps of the credit seeking method described in embodiment 1 above. The specific implementation can be referred to method embodiment 1, and will not be described herein.
In addition, referring to fig. 2, the present embodiment further provides a mobile terminal, which includes a processor 21, a memory 22 and a credit seeking procedure 23, and fig. 2 only shows some components of the mobile terminal.
The memory 22 may in some embodiments be an internal storage unit of the mobile terminal, such as a hard disk or a memory of the mobile terminal. The memory 22 may in other embodiments also be an external storage device of the mobile terminal, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card) or the like, which are provided on the mobile terminal. Further, the memory 22 may also include both an internal storage unit and an external storage device of the mobile terminal. The memory 22 is used for storing application software installed on the mobile terminal and various data, such as program codes for installing the mobile terminal. The memory 22 may also be used to temporarily store data that has been output or is to be output. In one embodiment, the memory 22 has stored thereon a credit seeking procedure 23, which procedure 23 is executable by the processor 21.
The processor 21 may in some embodiments be a central processing unit (Central Processing Unit, CPU), microprocessor or other data processing chip for executing program code or processing data stored in the memory 22.
In this embodiment, the steps of the credit seeking procedure method described in embodiment 1 above are performed when the processor 21 executes the credit seeking procedure 23 stored in the memory 22. The specific implementation can be referred to method embodiment 1, and will not be described herein.
The foregoing is merely illustrative of the present invention, and the present invention is not limited thereto, and any person skilled in the art will readily recognize that variations or substitutions are within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (5)
1. A method of credit hospitalization performed by a credit hospitalization system disposed on a mobile terminal, the method comprising:
after registering, the patient acquires the returned results of a plurality of credit institutions;
setting each corresponding assessment factor according to each return result, and calculating credit points corresponding to the patient according to all the assessment factors;
if the credit score is greater than or equal to the preset lowest credit score, a corresponding credit medical treatment amount is distributed to the patient according to the credit score, so that the patient can begin to seek medical treatment;
after the patient is in the doctor, obtaining the expense generated by the patient in the doctor and providing a plurality of payment combinations for the patient to pay the doctor;
the credit organization comprises an ant gold suit, and the returned result of the ant gold suit is sesame credit;
the step of setting each corresponding rating factor according to each returned result comprises the following steps: setting assessment factors corresponding to the ant golden clothes according to the sesame credit score;
the step of setting the assessment factors corresponding to the ant golden clothes according to the sesame credit score comprises the following steps:
if the sesame credit score is smaller than a preset threshold value, setting an assessment factor corresponding to the ant golden clothes to be 0;
if the sesame credit is greater than or equal to a preset threshold, setting the sesame credit to be corresponding to the assessment factor of the ant golden suit according to the following formula
A＝0.001*K
Wherein A is an assessment factor corresponding to golden clothes of the ants, and K is the sesame credit score;
the credit organization further comprises a social security bureau, and a return result of the social security bureau is a medical security gear;
the step of setting each corresponding rating factor according to each returned result respectively further comprises: setting assessment factors corresponding to the social security bureau according to the medical security gear;
the step of setting the assessment factors corresponding to the social security bureau according to the medical security gear comprises the following steps:
if the medical insurance gear is a first gear, setting an assessment factor corresponding to the social security bureau as a first gear value;
if the medical insurance gear is the second gear, setting the assessment factor corresponding to the social insurance bureau as a second gear value;
if the medical insurance gear is the third gear, setting the assessment factor corresponding to the social security bureau as a third gear value;
the credit facility also includes a banking facility,
the returned result of the silver-linked mechanism is a credit grade;
the step of setting each corresponding rating factor according to each returned result respectively further comprises: setting an evaluation factor corresponding to the Unionpay mechanism according to the credit level;
the step of setting the rating factors corresponding to the Unionpay mechanism according to the credit level comprises the following steps:
if the credit rating is excellent, setting the rating factor corresponding to the Unionpay mechanism as a first rating value;
if the credit rating is good, setting the assessment factor corresponding to the silver-linked mechanism as a second rating value;
if the credit rating is normal, setting the assessment factor corresponding to the Unionpay mechanism as a third level value;
if the credit rating is poor, setting an assessment factor corresponding to the Unionpay mechanism as a fourth rating value; the step of calculating credit points corresponding to the patient based on all of the assessment factors includes:
calculating the credit points by using the following formulas
Wherein Y is the credit score, X is the highest credit score, n is the number of all credit institutions, A 1 For evaluating corresponding to first credit institutionFactor (A) 2 For the rating factor corresponding to the second credit organization, A n Is the rating factor for the nth credit institution.
2. The method of credit seeking medical as in claim 1 wherein said step of after patient registration further comprises:
responding to the identity registration request of the patient, and inputting related information of the patient into the credit medical system, wherein the related information comprises personal identity information and payment mode information.
3. The method of credit hospitalization according to claim 1, wherein the step of assigning the patient a corresponding credit hospitalization amount based on the credit score comprises:
determining a hospitalization star rating of the patient based on the credit score;
and distributing the credit line of medical treatment to the patient according to the credit line of medical treatment corresponding to the medical treatment star.
4. A computer readable storage medium, characterized in that the computer readable storage medium has stored thereon a credit seeking medical procedure, which, when executed by a processor, performs the steps of the credit seeking medical method as claimed in any of claims 1-3.
5. A mobile terminal comprising a memory, a processor and a credit seeking procedure stored on the memory and executable on the processor, which credit seeking procedure, when executed by the processor, implements the steps of the credit seeking method according to any of claims 1 to 3.
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