TW201942847A - Automatic adjustment system and method for credit card limit capable of automatically increasing or decreasing a credit limit of a credit card according to changes in credit scores and financial statuses - Google Patents

Abstract

The present invention provides an automatic adjustment system and method for credit card limit. The method includes receiving a credit score and a plurality of financial statuses of at least one user from a server of the Joint Credit Information Center; calculating a credit limit score of the user according to the credit score and the financial statuses, giving at least one credit limit adjustment range according to the credit limit score, and setting the median as the credit limit of the user; and requesting a credit limit calculation module and a credit limit range module to recalculate the credit limit score, the credit limit adjustment range and the credit limit after a data transmission module periodically receives the most updated credit score and financial statuses. Therefore, when the financial status or credit score of the user becomes better or worse, the credit limit of the credit card can be automatically increased or decreased, and no time-consuming manual application operation is required.

Description

Credit card limit automatic adjustment system and method

The invention relates to a financial system, in particular to a system and method for automatically adjusting credit card limits.

As electronic consumer behavior becomes more and more developed, people are more accustomed to using credit cards for consumption, and even have credit cards built into smart phones, and use smart phones to swipe credit cards for consumption, without having to carry cash to go out, especially when traveling abroad. The amount of cash carried is more capped to avoid money laundering.

In order to increase the willingness of consumers to swipe their cards, banks often provide solutions such as bonus points and cash back. The more they swipe, the more they earn. However, in daily life, when using a credit card to go abroad, shop, or pay taxes, it is often encountered that the quota is insufficient, and it is necessary to increase the quota. The adjustment of the quota not only needs to prepare multiple applications for financial proof documents, but it takes time to wait for the review result. The situation also needs to contact a special person to apply for quota adjustment, which cannot respond to the needs of users in a timely manner.

Therefore, the present invention proposes a system and method for automatically adjusting credit card limits, which effectively solves the above-mentioned problems. The specific architecture and implementation manners will be described in detail below:

The main object of the present invention is to provide a system and method for automatically adjusting a credit card limit, which can periodically receive a user's credit score and financial status from a joint collection center server, automatically calculate a credit score and a credit limit range, and automatically adjust the credit limit in real time so that users Of credit line is consistent with its financial status.

Another object of the present invention is to provide a system and method for automatically adjusting a credit card limit. The calculated credit limit range uses the median as the user's credit limit. When the user needs funds and needs to increase the credit limit, the credit limit is adjusted immediately. Raising to the upper limit of the credit limit range, to improve the time and inconvenience of preparing documents and manual operations to improve the traditional credit limit increase.

In order to achieve the above object, the present invention provides an automatic adjustment system for a credit card line, including: a data transmission module, which is connected to a server of a joint collection center server, and regularly receives a credit score of at least one user provided by the joint collection center server; And multiple financial statuses; a credit line calculation module that calculates a credit score of the user based on the credit score and the financial status; a credit line grade module that gives at least one credit adjustment based on the credit score of the user Range, and set a median of the credit adjustment range to one of the user's credit limit; and a credit limit adjustment module electrically connected to the data transmission module, the credit limit calculation module, and the credit limit level Distance module, after the data transmission module regularly receives the latest credit score and the financial status, the credit line calculation module and the credit line level module are required to recalculate the line score, the adjustment range of the line and The credit line.

According to the embodiment of the present invention, the financial status of the user includes the obtained information, the status of the card swiping, and the payment situation.

According to the embodiment of the present invention, a database is further included, which is electrically connected to the data transmission module, the credit line calculation module, the credit line level module and the credit line adjustment module, and stores the credit score, The financial status, the quota score and the scope of the quota adjustment.

According to an embodiment of the present invention, when the user applies online to adjust the credit limit, the upper limit of the adjustment is the upper limit of the limit adjustment range.

According to an embodiment of the present invention, the quota score is comprehensively analyzed according to an individual financial status of the user and an overall financial status of a server of the joint collection center.

The present invention also provides a method for automatically adjusting a credit card limit, which is applied to an automatic adjustment system for a credit card limit and includes the following steps: The automatic adjustment system for a credit card limit periodically receives a credit score of at least one user provided by a server of a joint collection center And multiple financial statuses; calculate a credit score for the user based on the credit score and the financial status, and then give at least one credit adjustment range based on the credit score, and set a median of the credit adjustment range to the user A credit limit; and after the data transmission module regularly receives the latest credit score and the financial status, it is required to recalculate the credit score, the credit adjustment range, and the credit limit.

The present invention provides a system and method for automatically adjusting credit card quotas, which uses big data to calculate risk analysis and calculate the total amount based on the user data provided by the individual user, credit card status, payment situation, and joint credit formula score. Customer risk attribute scores and characteristics, comprehensive analysis of the overall and individual to calculate the amount of adjustments suitable for the user, as new data including the whole and individual users can be received regularly from the joint collection center, so the amount can be calculated at any time and the amount The adjustment scope is adjusted so that the user's credit line conforms to his financial situation.

As shown in FIG. 1, it is a block diagram of an embodiment of an automatic adjustment system for a credit card line according to the present invention. The automatic adjustment system for a credit card line 10 includes a data transmission module 12, a credit line calculation module 14, and a credit line. The credit interval module 16 and a credit quota adjustment module 18, among which the data transmission module 12 is connected to a signal of a joint collection center server 20, and the connection method is to regularly receive the joint collection center 20 server through the Internet Provide the credit score and multiple financial status of at least one user. The financial status includes the obtained information, credit card status, payment status, etc. It is further explained that the automatic credit card limit adjustment system 10 periodically requests the user of the Lianzheng Center Server 20 Credit score and financial status, for example, a request will be sent out once a credit card payment record is available every month, and the joint collection center server 20 will receive the credit score and financial status of the user who belongs to the credit card automatic adjustment system 10 when receiving the request Provided to credit card line automatic adjustment system 10. For example, the credit card line automatic adjustment system 10 is a system of Bank A, so the joint collection center server 20 will provide the credit score and financial status of credit card users belonging to Bank A to the credit card line automatic adjustment system 10, and the credit score is not only The user's credit history on Bank A. If the user has credit cards, loans and other debts from other banks, the repayment situation will also be used to calculate the credit score.

The credit limit calculation module 14 is electrically connected to the data transmission module 12 and calculates one of the user's credit scores based on the credit score and financial status. Here, the credit score is the credit score and plural number of the users using the joint collection center server 20 The financial status, the overall customer risk attribute information within the bank, combined with the individual financial status of the individual user's credit score and financial status as parameters, the calculation of the quota score is carried out for comprehensive analysis, where the overall customer risk information is the overall customer risk attribute score and Characteristics; The credit line level module 16 is electrically connected to the credit line calculation module 14 and gives at least one line adjustment range according to the user's line point score, and sets a median of the line adjustment range to one of the user's credit lines; For example, if the calculated range of the user's limit is 100,000 to 200,000, then the median of 150,000 is the user's credit limit, and if the adjusted range of the limit is 30,000 to 100,000, the median of 60,000 is the user. Credit line, and so on, the higher the line score, the better the financial ability and repayment ability of the user. Digital adjustment range of the higher amount.

The credit line adjustment module 18 is electrically connected to the data transmission module 12, the credit line calculation module 14, and the credit line interval module 16. Since the automatic adjustment of the credit card line system 10 will regularly request its users to the levy center server 20 Credit score and financial status, so the credit line adjustment module 18 in the automatic credit line adjustment system 10 will request the credit line calculation module 14 and when the data transmission module 12 receives the latest credit score and financial status on a regular basis. The credit limit step module 16 recalculates the latest credit score, credit adjustment range, and credit limit.

FIG. 2 is a block diagram of another embodiment of the automatic adjustment system of credit card limit of the present invention. The credit card limit automatic adjustment system 10 further includes a database 19, which is electrically connected to a data transmission module 12 and a credit limit calculation module. 14. Credit line interval module 16 and credit line adjustment module 18, which store credit scores, financial status, credit scores, credit adjustment ranges, and credit limits, and regularly recalculate the latest credit scores, financial status, and credit scores. The limit adjustment range and credit limit are also stored in the database 19.

FIG. 3 is a flowchart of a method for automatically adjusting a credit card limit of the present invention. In step S10, the credit card line automatic adjustment system uses a data transmission module to periodically receive the credit score and plural financial status of at least one user provided by the server of the Joint Collection Center; then in step S12, the credit card line automatic adjustment system is one of the credit lines. The calculation module calculates a credit score of the user based on the credit score and the financial status, and in step S14, one of the credit credit grade modules in the credit card credit automatic adjustment system gives at least one credit adjustment range based on the credit score. In addition, The median of the adjustment range of the limit is also set to one of the user's credit limit, that is, the credit card credit limit; in step S16, the automatic adjustment of the credit card limit system will periodically receive the latest credit of the user from the server of the joint collection center. Score and financial status, so after the data transmission module regularly receives the latest credit score and financial status, in step S18, the credit limit adjustment module in the credit card automatic adjustment system will request the credit limit calculation module and credit The credit interval module uses the newly received data to recalculate Score, the amount of the adjustment range and line of credit, etc., to meet the user's latest financial position.

FIG. 4 is a block diagram when a user applies the credit card automatic adjustment system of the present invention. When the user 30 has funds and needs to adjust the credit limit, he enters the credit card limit automatic adjustment system 10. Generally, the credit card limit automatic adjustment system 10 is built in a bank server or backend. For example, from Bank A's After clicking the option to adjust the credit limit on the website, it will automatically enter the credit card limit automatic adjustment system10. Next, the credit card line automatic adjustment system 10 will find the user 30's line point score, the line adjustment range and the current credit line from the database 19. If the user 30 wants to reduce the credit line, the credit card line automatic adjustment system 10 will automatically Adjust the credit limit of user 30 to the lowest value of the credit adjustment range. For example, if the credit adjustment range calculated by user 30 is 100,000 to 200,000, then take the median of 150,000 as the user's credit limit. When it is required to reduce the credit limit, the credit card limit automatic adjustment system 10 will automatically adjust the credit limit of the user 30 to 100,000. Generally speaking, when user 30 applies online to adjust the credit limit, if the credit limit is increased, the upper limit of the adjustment is the upper limit of the credit adjustment range. Taking the credit adjustment range of 100,000 to 200,000 as an example, the maximum credit limit can be adjusted. To 200,000. Therefore, if the user 30 requests to increase to 170,000, the credit card limit automatic adjustment system 10 will update this request to the database 19. However, if the credit line requested by the user 30 exceeds the upper limit of the line adjustment range, it is still necessary to notify the bank for review by bank personnel.

Therefore, the credit card quota automatic adjustment system and method of the present invention calculates the quota adjustment range exclusively for each different user by regularly obtaining the user's credit score and financial status from the server of the Joint Collection Center, and takes the median as the user Credit limit for users, let the user's credit limit be a floating value. When the user's financial condition is not good, the adjustment range of the credit limit will be reduced automatically to reduce the credit limit to avoid bank bad debts. When the user's financial condition becomes better, The increase of the limit adjustment range automatically increases the credit limit to meet the user's credit card needs. Even when the user actively asks for an increase in the credit limit, the system also has the authority to automatically increase it to the upper limit of the limit adjustment range. It does not need to prepare its own financial proof and pass human review and other processes. It can also respond to the user ’s needs immediately in an emergency. .

The foregoing are merely preferred embodiments of the present invention, and are not intended to limit the scope of implementation of the present invention. Therefore, all equal changes or modifications made according to the features and spirit described in the scope of the application of the present invention shall be included in the scope of patent application of the present invention.

10‧‧‧Credit card line automatic adjustment system

12‧‧‧Data Transmission Module

14‧‧‧Credit line calculation module

16‧‧‧Credit line step module

18‧‧‧Credit line adjustment module

19‧‧‧Database

20‧‧‧Lianzheng Center Server

30‧‧‧ users

FIG. 1 is a block diagram of an embodiment of an automatic adjustment system for a credit card limit of the present invention. FIG. 2 is a block diagram of another embodiment of an automatic adjustment system for a credit card limit of the present invention. FIG. 3 is a flowchart of a method for automatically adjusting a credit card limit of the present invention. FIG. 4 is a block diagram when a user applies the credit card automatic adjustment system of the present invention.

Claims (10)

An automatic adjustment system for a credit card line includes: a data transmission module connected to a server of a joint collection center server to regularly receive a credit score and a plurality of financial statuses of at least one user provided by the joint collection center server; a credit limit A calculation module calculates a credit score of the user based on the credit score and the financial status; a credit limit grade module gives at least one credit adjustment range according to the credit score of the user, and adjusts the credit adjustment range A median is set to a credit line of the user; and a credit line adjustment module is electrically connected to the data transmission module, the credit line calculation module, and the credit line interval module, and is transmitted in the data. After the module regularly receives the latest credit score and the financial status, it requests the credit line calculation module and the credit line interval module to recalculate the credit score, the adjustment range of the credit line, and the credit line. The credit card line automatic adjustment system as described in claim 1, wherein the financial status of the user includes the obtained information, the status of the credit card, the payment situation, etc. The credit card line automatic adjustment system according to claim 1, further comprising a database, which is electrically connected to the data transmission module, the credit line calculation module, the credit line interval module, and the credit line adjustment module. , To store the credit score, the financial status, the quota score, and the quota adjustment range. As described in claim 1, the credit card limit automatic adjustment system, wherein when the user applies online to adjust the credit limit, the upper limit of the adjustment is the upper limit of the limit adjustment range. The credit card quota automatic adjustment system according to claim 1, wherein the quota score is comprehensively analyzed based on an overall customer risk profile, an individual's financial situation of the user, and the credit score and multiple financial status of the joint collection center server. A method for automatically adjusting a credit card limit, which is applied to an automatic adjustment system for a credit card limit, and includes the following steps: The credit card limit automatic adjustment system periodically receives a credit score and a plurality of financial statuses of at least one user provided by a server of a joint collection center ; Calculate a credit score of the user based on the credit score and the financial status, and then give at least one credit adjustment range based on the credit score, and set a median of the credit adjustment range as a credit limit of the user ; And when the data transmission module regularly receives the latest credit score and the financial status, it is required to recalculate the credit score, the credit adjustment range and the credit limit. The method for automatically adjusting the credit card limit as described in claim 6, wherein the financial status of the user includes the obtained information, the status of the credit card, and the payment situation. The method for automatically adjusting the credit card limit as described in claim 6, wherein the credit score, the financial status, the credit score, the credit adjustment range, and the credit limit are stored in a database of the credit card automatic adjustment system . The method for automatically adjusting the credit card limit as described in claim 6, wherein when the user applies online to adjust the credit limit, the upper limit of the adjustment is the upper limit of the limit adjustment range. The method for automatically adjusting a credit card limit as described in claim 6, wherein the credit score is based on an overall customer risk profile, an individual's financial status of the user, and the credit score and plural of the at least one user of the joint collection center server Comprehensive analysis of financial status.