TWI680425B - System and method for intelligent financial management - Google Patents

Abstract

A smart financial management system includes a first server. The first server provides a deposit system and executes transactions corresponding to the transaction card. When this transaction is being performed and the account of the cardholder of the transaction card needs to be debited, the deposit system deducts the available balance of the deposit from the account of the cardholder of the transaction card. When the available balance of the deposit is insufficient for debiting, the deposit system deducts the insufficient amount from the smart financial limit of the cardholder's account corresponding to the transaction card to generate the used smart financial limit.

Description

Smart money management system and method

The invention relates to a smart financial management system.

Automated Teller Machine (ATM) can provide services including: available balance of debit card deposit account, available balance of cash card withdrawal account, available balance of cash advance by credit card withdrawal. However, to use the three services mentioned above, customers must carry three types of cards, which often causes inconvenience to customers. When debiting from a deposit account but the available balance is insufficient, the customer must apply for an overdraft limit in order to avoid the failure of the debit.

The present invention provides a smart money management system and method, which allows customers to use one card to complete the aforementioned three types of transaction services, and has a low capital cost for first use. In addition, the smart financial system and method of the present invention also provides a smart financial limit, so that after applying for a credit card, a customer can transfer a credit card pre-debit cash limit to a smart financial limit for use when the balance of a deposit account is insufficient.

The invention provides a smart financial management system, which includes a first server. The first server provides a deposit system and executes transactions corresponding to the transaction card. When this transaction is being performed and the account of the cardholder of the transaction card needs to be debited, the deposit system deducts the available balance of the deposit from the account of the cardholder of the transaction card. When the available balance of the deposit is insufficient for debiting, the deposit system deducts the insufficient amount from the smart financial limit of the cardholder's account corresponding to the transaction card to generate the used smart financial limit.

The invention proposes a smart financial management method for a smart financial management system. The smart financial management system includes a first server, and the method includes: providing a deposit system and executing a transaction corresponding to a transaction card by the first server; when the transaction is being performed and a debit to the card holder's account is required When using the deposit system to debit the balance available from the cardholder's account of the transaction card; when the available balance of the deposit is insufficient to debit, use the deposit system to intelligently manage the money from the cardholder's account corresponding to the transaction card Deduct the insufficient amount to generate the used smart financial limit.

Based on the above, the smart financial management system and method provided by the present invention can allow customers to use one card to complete the aforementioned three transaction services, and the capital cost is lower. In addition, the smart financial system and method of the present invention also provides a smart financial limit, so that after applying for a credit card, a customer can transfer a credit card pre-debit cash limit to a smart financial limit for use when the balance of a deposit account is insufficient.

In order to make the above features and advantages of the present invention more comprehensible, embodiments are hereinafter described in detail with reference to the accompanying drawings.

Reference will now be made in detail to the exemplary embodiments of the present invention, examples of which are illustrated in the accompanying drawings. In addition, wherever possible, the same reference numbers are used in the drawings and embodiments to represent the same or similar parts.

FIG. 1 is a schematic diagram of a smart financial management system according to an embodiment of the present invention.

Referring to FIG. 1, the smart financial management system 1000 includes an electronic device 100, a first server 120 and a second server 140. The electronic device 100, the first server 120, and the second server 140 can perform wired or wireless communication with each other through the network 10. In addition, both the first server 120 and the second server 140 may belong to the same bank (also referred to as a first bank), and both the first server 120 and the second server 140 may pass through the internal network 16 Perform wired or wireless communication.

FIG. 2A is a block diagram of an electronic device according to an embodiment of the invention.

Referring to FIG. 2A, the electronic device 100 includes a processing unit 20, a display unit 22, a communication unit 24, and a storage unit 26. The display unit 22, the communication unit 24, and the storage unit 26 are respectively coupled to the processing unit 20. The electronic device 100 is, for example, an electronic device such as a mobile phone, a tablet computer, a notebook computer, an automatic teller machine, and the like, and is not limited herein.

The processing unit 20 may be a central processing unit (CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processor (DSP), or programmable Controller, application specific integrated circuit (ASIC) or other similar components or a combination of the above components.

The display unit 22 may provide a display device with a display function in a display area of the first electronic device 100. The display unit 22 may be a display device that provides a display function, such as a liquid crystal display (LCD), a light-emitting diode (LED), and a field emission display (FED).

The communication unit 24 may support a global system for mobile communication (GSM), a personal handy-phone system (PHS), a code division multiple access (CDMA) system, and a broadband code Wideband code division multiple access (WCDMA) system, long term evolution (LTE) system, worldwide interoperability for microwave access (WiMAX) system, wireless fidelity (Wi-Fi) Fi) Signal transmission components of the system or Bluetooth.

The storage unit 26 may be any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory, or similar elements Or a combination of the above.

In this exemplary embodiment, a plurality of code segments are stored in the storage unit 26 of the electronic device 100, and the code segments are installed and then executed by the processing unit 20. For example, the storage unit 26 includes a plurality of modules, and each module is used to perform each operation of the electronic device 100 applied in the smart financial system 1000, wherein each module is composed of one or more code segments. However, the present invention is not limited to this, and various operations of the electronic device 100 may also be implemented by using other hardware forms.

FIG. 2B is a block diagram of a server according to an embodiment of the invention. It should be noted here that, because the first server 120 and the second server 140 in FIG. 1 can have similar components in essence, the first server 120 and the second server are described here only with the server 300. Required components of the server 140.

Referring to FIG. 2B, the server 300 in this embodiment includes a processing unit 30, a communication unit 32, and a storage unit 34. The communication unit 32 and the storage unit 34 are respectively coupled to the processing unit 30. The processing unit 30, the communication unit 32, and the storage unit 34 may be similar to the processing unit 20, the communication unit 24, and the storage unit 26, respectively, and are not described herein.

In the present exemplary embodiment, a plurality of code segments are stored in the storage unit 34 of the server 300, and the code segments are installed and then executed by the processing unit 30. For example, the storage unit 34 includes a plurality of modules, and each module is used to perform each operation of the server 300 applied in the smart financial system 1000, where each module is composed of one or more code segments. However, the present invention is not limited to this, and various operations of the server 300 may also be implemented by using other hardware forms.

Please refer to FIG. 1 again. In this exemplary embodiment, the first server 120 may provide a deposit system 12. The second server 140 may provide a credit card system 14. Generally speaking, the services that ATMs can provide include: available balances on debit card deposit accounts, available balances on cash card withdrawal accounts, and available cash advances on credit card withdrawals. And the cost of funds (for example, the handling fee) is in descending order of available balance of credit card withdrawal of credit card advance cash, available balance of cash card withdrawal cash card account, and available balance of financial card withdrawal deposit account.

In this exemplary embodiment, the first bank to which the first server 120 and the second server 140 belong can make a transaction card in which a financial card and a credit card are integrated. For example, after a customer fills out an application and passes credit card credit review and approval, before making a card, the credit card system 12 transmits a file (including: credit card number, customer identity card number, etc.) using a transmission protocol of Message Queue (MQ). ) To the deposit system 12 to produce financial card related information. After that, the card making machine (not shown) can write the financial card data and credit card data into the chip of the transaction card, and write the credit card data into the magnetic stripe track (for example, the second track) of the transaction card to write the financial card data The other track (eg, the third track) of the magnetic stripe of the transaction card is written. In addition, when card making is completed, the credit card system 14 will multiply a smart money limit flow rate set by a parameter with a credit card pre-loan cash line as a smart money limit, and send the smart money limit to the deposit using the transmission protocol of the message array. System 12. Customers can contact the first bank's customer service center at any time to request an increase or decrease of the smart money limit, and the credit card system 14 can immediately notify the deposit system 12 to increase or decrease the smart money limit.

In this exemplary embodiment, it is assumed that a customer executes a transaction using the electronic device 100 (eg, ATM). This transaction is, for example, a withdrawal from a deposit account or a deduction from the deposit account. When this transaction is being performed and the account of the cardholder (ie, the aforementioned customer) of the transaction card needs to be debited, the deposit system 12 will deduct from a available balance of the deposit of the cardholder's account of the transaction card. However, when the available balance of the deposit is insufficient to deduct the amount, the deposit system 12 deducts an insufficient amount from a smart financial limit of the cardholder's account corresponding to the transaction card to generate a used smart financial limit.

For example, it is assumed that the available balance of the deposit in the cardholder's account is 2,000 yuan, and the smart financial limit of the cardholder's account is 5,000 yuan. When the deposit system 12 has to deduct 3,000 yuan from the available balance of the card holder's account for the transaction card, the deposit system 12 will deduct from the smart financing limit because the available balance of the deposit is not sufficient to deduct (ie, less than 1,000 yuan). The insufficient amount (ie, 1,000 yuan) to generate the used smart financial line. At this time, the amount of smart financial management used was 1,000 yuan.

When the cardholder uses the electronic device 100 to perform an operation to deposit an amount (herein, the first amount) into the cardholder's account of the transaction card, the deposit system 12 will repay the used amount based on the first amount. Smart financial quota. For example, following the previous example, when the used smart money limit is 1,000 yuan, if the cardholder deposits 1,000 yuan into the cardholder's account of the transaction card, the 1,000 yuan deposited will be used to repay the used 1,000 yuan for smart financing.

In addition, the deposit system 12 sends the above-mentioned first amount and the used smart financial limit to the credit card system 14 every day. The credit card system 14 calculates a one-day spending balance corresponding to the smart financial limit based on the received first amount and the used smart financial limit. That is to say, the balance of the current day's use is the value obtained by deducting the first amount repaid by the user on the day of the smart financial quota used in the day.

When the credit card system 14 executes the closing operation corresponding to the closing cycle, the credit card system 14 records the balance of the day of execution of the closing operation to the credit card payment of the cardholder of the transaction card to generate a credit card statement. 14 The credit card payment will be charged to the cardholder of the transaction card based on the credit card statement. Among them, the credit card payment includes a handling fee, which is a charge corresponding to a highest current day balance in the month of the closing cycle multiplied by a credit card pre-lending cash handling rate. In particular, in the present exemplary embodiment, the credit card system 14 only charges a handling fee once a month, which is different from the general pre-borrowing of cash for each transaction in which the pre-borrowing of cash is charged on a transaction-by-transaction basis.

When the balance on the day when the account closing operation is performed is recorded to the customer's credit card payment, the credit card system 14 sends a deduction file and a debit file to the deposit system 12 by using a transmission protocol queued by the message. According to the deduction file, the deposit system 12 deducts the smart money limit on the day of closing operation, and the deposit system 12 deducts the day balance on the day of closing operation based on the deduction file and subtracts the day balance on the day of closing operation. With the deduction file and the account file, you can reduce the amount of smart financial management to avoid the continuous use of the credit card limit, and deposit into the account to initiate the repayment of the used smart financial limit (needed to be cleared from the credit card statement).

For example, suppose that the cardholder's current day spent balance is 4,000 yuan, and the cardholder's smart financial limit is 5,000 yuan. When the closing operation is performed, the balance on the day of the closing operation is recorded to the credit card payment for receipt by the cardholder. Therefore, the deposit system 12 will use the balance on the day of the closing operation (that is, 4000) according to the account file. Yuan) minus the day-to-day closing balance on the day of the closing operation (that is, 4,000 yuan) to make the day-to-day closing balance on the day of closing the operation to zero. In addition, the deposit system 12 can use the deduction file to deduct 5,000 yuan from the smart financial limit to deduct 4,000 yuan on the day of the closing operation to adjust the smart financial limit to 1,000 yuan because the 4,000 yuan is a credit card advance and the cardholder No repayment has been made, so it is necessary to reduce the amount of smart money management to avoid the continuous use of credit card limit.

After the credit card system 14 records the balance of the current day of execution of the closing operation to the credit card payment of the cardholder of the transaction card, when the credit card system 14 receives a repayment record from the deposit system 12, the credit card system 14 will record the repayment record The corresponding amount (also known as the first amount) is deducted from the balance on the day of the closing operation to obtain an actual repayment amount. For example, assuming that the credit card system 14 received a repayment record of 4,000 yuan, and the balance on the day of the closing operation is 4,000 yuan. Since the balance on the day of the closing operation has been advanced by a credit card, the 4,000 yuan repayment record must be deducted from the balance. The balance of 4,000 yuan used on the day of the account operation is the actual repayment amount of the cardholder.

After that, when the cardholder uses the electronic device 100 to deposit the first amount into the cardholder's account of the transaction card again, the credit card system 14 will increase the smart financial limit by the first amount. When the cardholder pays off the credit card's smart financial debts, the credit card system 14 will increase the amount of smart money in the deposit account according to the repayment amount.

In this exemplary embodiment, in order to prevent cardholders from using a credit card with a higher cost of funds to advance cash, the ATMs of the banks (also known as the first bank) to which the credit card system 14 and the deposit system 12 belong are not provided corresponding to The transaction card has a credit card advance loan option. However, the ATM of other banks (collectively referred to as the second bank) different from the above-mentioned first bank may provide a credit card advance loan option corresponding to the transaction card. When the cardholder performs the operation of the credit card pre-lending cash option corresponding to the transaction card at the automatic teller machine of the second bank, the first bank verifies the pre-cash cash password corresponding to the transaction card, and checks the credit card pre-lending cash option. The operation charges a cash advance fee.

In this exemplary embodiment, when a cardholder performs a foreign cash advance transaction using a credit card number corresponding to a transaction card, a message corresponding to the credit card number passes through a third server (not shown) of the financial company Send to the first server 120. The first server 120 inquires the password of the deposit account (also referred to as the first deposit account) corresponding to the transaction card according to the credit card number, and verifies whether the password of the first deposit account is the same as the password entered by the user . In particular, the above-mentioned message corresponding to the credit card number will not be transmitted to the first server 120 through the fourth server (not shown) of the United Credit Card Center.

When the used smart money limit is overdue, the credit card system 14 will notify the deposit system 12 to suspend the use of the smart money limit. However, if there is money in the deposit account, it can still be used to repay the used smart financial quota. In addition, when the transaction card is deactivated, the credit card system 14 will notify the deposit system 12 to stop using the smart financial limit.

FIG. 3 is a flowchart of a smart financial management method according to an embodiment of the present invention.

Referring to FIG. 3, in step S301, the first server 120 provides a deposit system 12 and executes a transaction corresponding to a transaction card. When the above transaction is being performed and the account of the cardholder of the transaction card needs to be debited, in step S303, the deposit system 12 deducts from the available balance of the deposit of the account of the cardholder of the transaction card. When the available balance of the deposit is insufficient to debit, in step S305, the deposit system 12 deducts the insufficient amount from the smart financial limit of the cardholder's account corresponding to the transaction card to generate a used smart financial limit.

To sum up, the smart financial management system and method provided by the present invention can allow customers to use one card to complete the aforementioned three types of transaction services, and the capital cost can be used first. In addition, the smart financial system and method of the present invention also provides a smart financial limit, so that after applying for a credit card, a customer can transfer a credit card pre-debit cash limit to a smart financial limit for use when the balance of a deposit account is insufficient.

Although the present invention has been disclosed as above with the examples, it is not intended to limit the present invention. Any person with ordinary knowledge in the technical field can make some modifications and retouching without departing from the spirit and scope of the present invention. The protection scope of the present invention shall be determined by the scope of the attached patent application.

1000‧‧‧Smart Financial System

100‧‧‧ electronic device

120‧‧‧first server

140‧‧‧Second server

10‧‧‧Internet

12‧‧‧ Deposit System

14‧‧‧Credit Card System

16‧‧‧ Intranet

20, 30‧‧‧ processing unit

22‧‧‧Display Unit

24, 32‧‧‧ communication unit

26, 34‧‧‧Storage units

S301‧‧‧The first server provides a deposit system and executes the steps corresponding to a transaction card

S303‧‧‧When the above transaction is executed and the account of the cardholder of the transaction card needs to be deducted, the deposit system deducts the steps from the available balance of the deposit of the cardholder's account of the transaction card

S305‧‧‧ When the available balance of the deposit is insufficient for debiting, the deposit system deducts the insufficient amount from the smart financial limit of the cardholder's account corresponding to the transaction card to generate a used smart financial limit

FIG. 1 is a schematic diagram of a smart financial management system according to an embodiment of the present invention. FIG. 2A is a block diagram of an electronic device according to an embodiment of the invention. FIG. 2B is a block diagram of a server according to an embodiment of the invention. FIG. 3 is a flowchart of a smart financial management method according to an embodiment of the present invention.

Claims (28)

A smart financial management system includes: a first server that provides a deposit system and executes a transaction corresponding to a transaction card, wherein each transaction card account of the deposit system corresponds to a smart financial limit and a deposit available balance; The second server provides a credit card system. Each credit card account in the credit card system corresponds to a credit card pre-lending cash line, and the credit card system obtains an initial smart financial line according to a smart financial line flow rate and the credit card pre-lending cash line. Limit, and send the smart financial limit and the cardholder information of the credit card account to the deposit system, so that the deposit system sets the smart financial limit of the cardholder's account in the first server as the initial Smart financial limit; and an electronic device for performing an operation to deposit a first amount into the transaction card account corresponding to the cardholder information, wherein when the transaction is being executed and the card holder of the transaction card is required When a person ’s account is debited, the deposit system proceeds from the available balance of the deposit from the cardholder ’s account of the transaction card When the available balance of the deposit is insufficient to deduct the amount, the deposit system deducts an insufficient amount from the smart financial limit corresponding to the cardholder's account of the transaction card to generate a used smart financial limit. The deposit system is based on The first amount is used to repay the used smart financial quota, and the first amount and the used smart financial quota are transmitted to the credit card system daily, and the credit card system is based on the first amount and the used smart financial management The credit line system calculates a one-day current balance corresponding to the smart financial limit. The credit card system adds the current day-to-day credit balance to the credit card outstanding account, and generates a deduction file and an account file based on the current day-used balance. And the account file is transmitted to the deposit system, the deposit system also clears the corresponding smart financial quota used according to the account file, and updates the smart financial quota according to the deduction file. The smart financial management system as described in item 1 of the scope of patent application, wherein when the credit card system executes a closing operation corresponding to a closing cycle, the credit card system records the balance of the current day on which the closing operation is performed to A credit card payment made by the cardholder of the transaction card to generate a credit card statement, and the credit card system receives the credit card payment from the cardholder of the transaction card according to the credit card statement. The smart financial management system as described in item 2 of the scope of patent application, wherein the credit card payment includes a handling fee, which corresponds to a highest current day balance in the month of the closing cycle multiplied by a credit card pre-lending cash procedure Rate. According to the smart financial management system described in item 2 of the scope of patent application, wherein the deposit system deducts the smart financial limit from the current balance of the day of the closing operation based on the deduction file, and the deposit system applies the The closing balance on the day of the closing operation is subtracted from the closing balance on the day of the closing operation. The smart financial management system as described in item 2 of the scope of patent application, wherein after the credit card system records the balance on the day when the closing operation is performed to the operation of the credit card payment of the cardholder of the transaction card, when the credit card system operates When the credit card system receives a repayment record corresponding to the first amount from the deposit system, the credit card system deducts the first amount from the current day balance of the closing operation to obtain an actual repayment amount. As described in item 4 of the scope of application for a patent, the smart financial management system, wherein after the credit card system records the balance on the day when the closing operation is performed to the operation of the credit card payment by the cardholder of the transaction card, When the electronic device deposits the first amount into the cardholder's account of the transaction card again, the credit card system increases the smart financial limit by the first amount. As described in item 1 of the scope of the patent application, the credit card system and an automated teller machine (ATM) of a first bank to which the deposit system belongs do not provide a credit card pre-debit corresponding to the transaction card Cash options. As described in item 7 of the scope of patent application, wherein an ATM of a second bank provides the credit card pre-lending option corresponding to the transaction card, the second bank is different from the first bank. The smart financial system according to item 8 of the scope of patent application, wherein when the ATM of the second bank performs the operation of the credit card pre-lending cash option corresponding to the transaction card, the first bank verifies that the transaction card corresponds to the transaction card A pre-debit cash password, and charge a pre-debit cash handling fee for the credit card pre-debit cash option operation. The smart financial management system described in item 8 of the scope of patent application, wherein when performing a foreign cash advance transaction using a credit card number corresponding to the transaction card, a message corresponding to the credit card number passes through a financial company The third server transmits to the first server, and the first server inquires the password of a first deposit account corresponding to the transaction card according to the credit card number, and verifies the password of the first deposit account and the user's password. Are the passwords entered the same? As described in item 10 of the scope of patent application, the smart money management system, wherein the message corresponding to the credit card number will not be transmitted to the first server through a fourth server of a joint credit card center. As described in item 1 of the scope of patent application, the credit card system notifies the deposit system to suspend the use of the smart financial limit when the used smart financial limit is overdue. As described in item 1 of the scope of patent application, the credit card system notifies the deposit system to stop using the smart financial limit when the transaction card is deactivated. As described in item 1 of the scope of patent application, the smart financial management system, wherein one track of the magnetic stripe of the transaction card includes credit card information and the other track of the magnetic stripe of the transaction card includes financial card information. A smart financial management method is used in a smart financial management system. The smart financial management system includes a first server, an electronic device, and a second server. The second server provides a credit card system. Each of the credit card systems The credit card account corresponds to a credit card pre-lending cash line, and the credit card system obtains an initial smart financial line based on a smart financial line flow rate and the credit card pre-lending cash line, and sets the smart financial line and cardholder information of the credit card account. Sending to the deposit system, so that the deposit system sets the smart money limit of the cardholder's account in the first server as the initial smart money limit, the method includes: providing a first server with a The deposit system executes a transaction corresponding to a transaction card; when the transaction is executed and the account of the cardholder of the transaction card is to be debited, the deposit system is used to remove the transaction from the cardholder's account of the transaction card. The available balance of the deposit is used for debiting; when the available balance of the deposit is insufficient to charge, the corresponding transaction card is used from the deposit system Deducting an insufficient amount from the smart financial limit of the cardholder's account to generate a used smart financial limit, and performing an operation by the electronic device to deposit a first amount into the cardholder's account of the transaction card; The deposit system is used to repay the used smart financial limit according to the first amount, and the first amount and the used smart financial limit are transmitted to the credit card system daily, and the credit card system is based on the first amount and The used smart money limit is used to calculate the one-day spent balance corresponding to the smart money limit; add the current used balance to the credit card outstanding account, and generate a deduction file and an account file based on the used money balance on that day, and The deduction file is transmitted to the deposit system; and the corresponding used smart financial limit is cleared according to the account file, and the smart financial limit is updated according to the deduction file. The smart financial management method described in item 15 of the scope of patent application, further includes: when the credit card system executes a closing operation corresponding to a closing cycle, the day on which the closing operation is performed by the credit card system The balance is used to record a credit card payment to the cardholder of the transaction card to generate a credit card statement, and the credit card system receives the credit card payment from the cardholder of the transaction card according to the credit card statement. The smart financial management method as described in item 16 of the scope of patent application, wherein the credit card payment includes a handling fee, which corresponds to a highest current day balance in the month of the closing cycle multiplied by a credit card advance loan procedure Rate. The smart financial management method described in item 16 of the scope of patent application, further includes: deducting the smart financial limit from the balance of the day of the closing operation by the deposit system based on the deduction file; and by using the deposit system according to The account entry file subtracts the current balance on the day of closing operations from the current balance on the day of closing operations. The smart financial management method as described in claim 16 of the scope of patent application, wherein after the step of using the credit card system to record the balance on the day when the closing operation is performed to the credit card payment of the cardholder of the transaction card, The method further includes: when the credit card system receives a repayment record corresponding to the first amount from the deposit system, deducting the first amount by the credit card system from the balance on the day of the day of the closing operation to obtain An actual repayment amount. The smart financial management method according to item 18 of the scope of patent application, wherein after the step of the credit card system recording the balance on the day when the account closing operation is performed to the credit card payment of the cardholder of the transaction card, said The method further includes: when the electronic device deposits the first amount into the account of the card holder of the transaction card again, increasing the first financial amount by the credit card system through the credit card system. As described in item 15 of the scope of patent application, wherein the credit card system and the first bank's Automated Teller Machine (ATM) to which the deposit system belongs do not provide a credit card advance debit corresponding to the transaction card Cash options. According to the smart financial management method described in the scope of application for patent No. 21, wherein an ATM of a second bank provides the credit card pre-lending option corresponding to the transaction card, the second bank is different from the first bank. The smart financial management method as described in item 22 of the scope of patent application, further comprising: when the automatic teller machine of the second bank performs the operation of the credit card pre-lending cash option corresponding to the transaction card, verifying the correspondence with the first bank A pre-cash borrowing password on the transaction card, and a pre-cash handling fee is charged for the operation of the pre-cash borrowing option on the credit card. As described in item 22 of the scope of patent application, wherein when performing a foreign cash advance transaction using a credit card number corresponding to the transaction card, a message corresponding to the credit card number passes through a financial company The third server transmits to the first server, and the first server inquires the password of a first deposit account corresponding to the transaction card according to the credit card number, and verifies the password of the first deposit account and the user's password. Are the passwords entered the same? As described in item 24 of the scope of patent application, the smart money management method, wherein the message corresponding to the credit card number is not transmitted to the first server through a fourth server of a joint credit card center. The smart financial method according to item 15 of the scope of patent application, wherein when the used smart financial limit is overdue, the method further includes: notifying the deposit system to suspend the use of the smart financial limit by the credit card system . The smart financial management method according to item 15 of the scope of patent application, wherein when the transaction card is deactivated, the method further comprises: notifying the deposit system to stop using the smart financial limit by the credit card system. As described in item 15 of the scope of patent application, one track of the magnetic stripe of the transaction card includes credit card information and the other track of the magnetic stripe of the transaction card includes financial card information.