WO2017166363A1 - 基于信贷付款方式的付款方法、付款装置和终端 - Google Patents
基于信贷付款方式的付款方法、付款装置和终端 Download PDFInfo
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- WO2017166363A1 WO2017166363A1 PCT/CN2016/080828 CN2016080828W WO2017166363A1 WO 2017166363 A1 WO2017166363 A1 WO 2017166363A1 CN 2016080828 W CN2016080828 W CN 2016080828W WO 2017166363 A1 WO2017166363 A1 WO 2017166363A1
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- credit payment
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
Definitions
- the present invention relates to the field of terminal technologies, and in particular, to a payment method based on a credit payment method, a payment device based on a credit payment method, and a terminal.
- the billing days of different banks and different types of credit payment methods are different.
- the current interest-free date of the user's multiple credit payment methods will be different.
- the user The current interest-free date for each credit payment method cannot be calculated clearly and quickly.
- the invention is based on the above problems, and proposes a new technical solution, which can automatically calculate attribute information such as the current interest-free day of various credit payment methods, and select an appropriate credit payment method to complete payment.
- an aspect of the present invention provides a payment method based on a credit payment method, including: calculating property information of a plurality of associated credit payment methods when receiving a payment request; using the plurality of associated credits The attribute information in the payment method is paid in accordance with the credit payment method of the predetermined condition.
- the payment when performing online shopping and the like, the payment can be made by using the credit payment method whose attribute information meets the predetermined condition, so that the user can enjoy the bank interest-free service to the maximum extent, and the user's payment payment experience is improved. .
- the associated credit payment method may include one or more credit cards, and may also include overdraft services from third-party platforms, such as Jingdong white bars, etc., of course, the associated credit payment method may also be as needed. Any other credit payment method.
- the attribute information includes at least one or a combination of: a current interest-free date, an un-billed amount, a repayment rate, a payment method favorable rate, and an automatic repayment binding condition.
- the attribute information of the credit payment method includes, but is not limited to, one or a combination of the foregoing, and the user can select the attribute information that needs to be considered according to his own needs, so as to select an appropriate credit payment method.
- one or more of the current interest-free date, un-billing amount, repayment rate, and automatic repayment binding may be used as the basis for credit card selection, for example, You can choose the credit card with the lowest billing amount to make the payment, or choose the credit card with the lowest billing amount, the credit card with the lowest repayment rate, or the credit card with the automatic repayment credit in the credit card with the current interest-free date exceeding the predetermined number of days.
- the associated credit payment method is a third-party platform credit payment method that does not have a billing date, such as Jingdong Baizhi, since it needs to repay within the scheduled date after consumption, it can only consider the repayment rate and/or automatic repayment. Set the situation.
- the associated credit payment method includes credit card and third-party platform credit payment methods
- the binding credit payment method or the credit payment method bound by the repayment method selects one of the repayment rates, and of course, the unpaid bill amount of the credit card and the current repayment amount of the third party platform may also be separately calculated.
- the calculating the attributes of the plurality of associated credit payment methods specifically includes: obtaining a repayment date of each of the plurality of associated credit payment methods; calculating each of the credit payments according to a current date and a repayment date of each of the credit payment methods Current interest-free date of the method; and calculating a plurality of associated letters in the Before the attribute information of the loan payment method, the method further includes: storing a repayment date of each of the plurality of associated credit payment methods.
- the current interest-free date of each credit payment method may be calculated according to the current date, and the current interest-free day of each credit payment method, wherein each credit payment method may be disassociated, and of course, may also be a terminal. Link new credit payment methods.
- the user's mobile phone is associated with credit card A and credit card B.
- the credit card A's billing date is 6th of each month
- the repayment date is 24th of each month
- the credit card B billing date is 10th of each month
- the repayment date is 28 per month.
- the current interest-free day of credit card A is 23 days
- the current interest-free day of credit card B is 27 days, so the mobile phone can directly select the repayment date later. It is the current credit card B with a long interest-free date to make payment.
- the repayment date of the credit payment method can be directly entered, or the information of the credit payment method can be directly inquired on the network to automatically obtain the credit.
- the repayment date of the payment method so that the repayment date of the credit payment method can be stored for the call.
- the method further includes: obtaining an unbilled amount of the plurality of associated credit payment methods; determining that the unbilled amount is lower than At least one credit payment method of the predetermined amount for selecting a target credit payment method for payment in the at least one credit payment method.
- the payment of the current interest-free date of the longest credit payment method can be directly selected among all the associated credit payment methods, but also the current interest-free date and the un-billed amount can be used as the consolidation conditions for the credit payment method.
- the choice that is, the payment can be made by selecting one of the credit payment methods in which the current interest-free date is the longest, at least one type of credit payment method in which the unpaid bill amount is lower than the predetermined amount.
- the length of the current interest-free day and the unpaid bill amount of the credit payment method are comprehensively considered, so that it is convenient to select a more appropriate credit payment method for payment, thereby improving the user experience.
- the payment is performed by using a credit payment method in which the attribute information in the plurality of associated credit payment methods meets a predetermined condition, including: determining that the current interest-free date is greater than or And at least one candidate credit payment method equal to a predetermined time; selecting, in the at least one candidate credit payment method, the credit payment method with the lowest unspent amount to make payment.
- the at least one credit payment method that exceeds the predetermined time on the current interest-free date may also be selected.
- the payment is made by a credit payment method with the lowest bill amount.
- the terminal may have at least three payment methods associated with the credit card: directly selecting the credit card with the longest interest-free date for payment, and selecting at least one credit card for which the un-billed amount is lower than the predetermined amount, wherein the current interest-free day is the most The long credit card is used for payment, and the credit card with the lowest non-bill amount is selected for payment in at least one credit card whose current interest-free date exceeds the predetermined time.
- These three methods may be provided by the terminal, or may be performed by the terminal according to the credit card.
- the information and the actual payment scenario are selected as the most suitable one, or the terminal can count the user's operating habits to select the most commonly used one, or the terminal can provide the three payment methods, and according to the received selection command from the user. , choose the payment method you want in the three payment methods.
- Another aspect of the present invention provides a payment apparatus based on a credit payment method, comprising: an interest-free day calculation unit that calculates attribute information of a plurality of associated credit payment methods when receiving a payment request; a credit payment method payment unit And performing payment by using the credit payment method in which the attribute information in the plurality of associated credit payment methods meets a predetermined condition.
- the payment when performing online shopping and the like, the payment can be made by using the credit payment method whose attribute information meets the predetermined condition, so that the user can enjoy the bank interest-free service to the maximum extent, and the user's payment payment experience is improved. .
- the associated credit payment method may include one or more credit cards, and may also include overdraft services from third-party platforms, such as Jingdong white bars, etc., of course, the associated credit payment method may also be as needed. Any other credit payment method.
- the attribute information includes at least one or a combination of: a current interest-free date, an un-billed amount, a repayment rate, a payment method favorable rate, and an automatic repayment binding condition.
- the attribute information of the credit payment method includes, but is not limited to, one or a combination of the foregoing, and the user can select the attribute information that needs to be considered according to his own needs, so as to select an appropriate credit payment method.
- one or more of the current interest-free date, un-billing amount, repayment rate, and automatic repayment binding may be used as the basis for credit card selection, for example, You can choose the credit card with the lowest billing amount to make the payment, or choose the credit card with the lowest billing amount, the credit card with the lowest repayment rate, or the credit card with the automatic repayment credit in the credit card with the current interest-free date exceeding the predetermined number of days.
- the associated credit payment method is a third-party platform credit payment method that does not have a billing date, such as Jingdong Baizhi, since it needs to repay within the scheduled date after consumption, it can only consider the repayment rate and/or automatic repayment. Set the situation.
- the associated credit payment method includes credit card and third-party platform credit payment methods
- the binding credit payment method or the credit payment method bound by the repayment method selects one of the repayment rates, and of course, the unpaid bill amount of the credit card and the current repayment amount of the third party platform may also be separately calculated.
- the interest-free day calculation unit includes: a repayment date Obtaining a unit, obtaining a repayment date of each of the plurality of associated credit payment methods; the interest-free day calculation unit is specifically configured to: repay according to the current date and each of the credit payment methods Calculating a current interest-free date of each of the credit payment methods; and the payment means based on the credit payment method further includes: a repayment date storage unit, before the calculating the attribute information of the plurality of associated credit payment methods And storing a repayment date of each of the plurality of credit payment methods in the associated credit payment method.
- the current interest-free date of each credit payment method may be calculated according to the current date, and the current interest-free day of each credit payment method, wherein each credit payment method may be disassociated, and of course, may also be a terminal. Link new credit payment methods.
- the user's mobile phone is associated with credit card A and credit card B.
- the credit card A's billing date is 6th of each month
- the repayment date is 24th of each month
- the credit card B billing date is 10th of each month
- the repayment date is 28 per month.
- the current interest-free day of credit card A is 23 days
- the current interest-free day of credit card B is 27 days, so the mobile phone can directly select the repayment date later. It is the current credit card B with a long interest-free date to make payment.
- the repayment date of the credit payment method can be directly entered, or the information of the credit payment method can be directly inquired on the network to automatically obtain the credit.
- the repayment date of the payment method so that the repayment date of the credit payment method can be stored for the call.
- the predetermined condition is that the unpaid bill amount is lower than a predetermined amount
- the credit payment method based payment The device further includes: an unbilled acquisition unit, obtaining the unbilled amount of the plurality of associated credit payment methods before the credit payment method payment unit performs payment by using the credit payment method in which the attribute information meets a predetermined condition;
- the credit payment method payment unit is specifically configured to: determine, by the at least one credit payment method that the unbilled amount is lower than the predetermined amount, for selecting a target for payment in the at least one credit payment method Credit payment method.
- the payment of the current interest-free date of the longest credit payment method can be directly selected among all the associated credit payment methods, but also the current interest-free date and the un-billed amount can be used as the consolidation conditions for the credit payment method.
- the choice that is, the payment can be made by selecting one of the credit payment methods in which the current interest-free date is the longest, at least one type of credit payment method in which the unpaid bill amount is lower than the predetermined amount.
- the length of the current interest-free day and the unpaid bill amount of the credit payment method are comprehensively considered, so that it is convenient to select a more appropriate credit payment method for payment, thereby improving the user experience.
- the credit payment method payment unit is configured to: determine that the current interest-free date is greater than or equal to a predetermined time, at least one candidate credit payment method, and in the at least one Select the credit with the lowest amount of the unbilled amount in the candidate credit payment method Payment method for payment.
- the at least one credit payment method that exceeds the predetermined time on the current interest-free date may also be selected.
- the payment is made by a credit payment method with the lowest bill amount.
- a terminal includes a communication bus, an input device, an output device, a memory, and a processor, wherein:
- the communication bus is configured to implement connection communication between the input device, the output device, the memory, and the processor;
- the input device is configured to receive a payment request
- the output device is configured to perform payment by using a credit payment method whose attribute information meets a predetermined condition
- the program stores a set of program codes, and the terminal calls the program code stored in the memory to perform the following operations:
- the processor calculates attribute information of a plurality of associated credit payment methods
- the output device performs payment using a credit payment method in which the attribute information of the plurality of associated credit payment methods meets a predetermined condition.
- the attribute information includes at least one or a combination of: a current interest-free date, an un-billed amount, a repayment rate, a payment method favorable rate, and an automatic repayment binding.
- the processor calculates attribute information of multiple associated credit payment methods, specifically include:
- the processor acquires a repayment date of each of the plurality of associated credit payment methods
- the processor calculates a current interest-free date of each of the credit payment methods according to a current date and a repayment date of each of the credit payment methods;
- the method further includes:
- the processor stores a repayment date for each of the plurality of associated credit payment methods.
- the predetermined condition is that the unbilled amount is lower than a predetermined amount
- the plurality of associated credit payment methods are used at the output device.
- the processor determines the at least one credit payment method that the unbilled amount is less than the predetermined amount for selecting a target credit payment method for payment in the at least one credit payment method.
- the output device uses the credit payment method in which the current interest-free date attribute information in the plurality of associated credit payment methods is up to the predetermined condition, and the payment comprises:
- the processor determines that the current interest-free day is greater than or equal to a predetermined time of at least one candidate credit payment method
- the output device selects, in the at least one candidate credit payment method, the credit payment method with the lowest unspent bill amount to make payment.
- FIG. 1 shows a flow chart of a payment method based on a credit payment method in accordance with one embodiment of the present invention
- FIG. 2 shows a block diagram of a payment device based on a credit payment method in accordance with one embodiment of the present invention
- Figure 3 shows a block diagram of a terminal in accordance with one embodiment of the present invention
- FIG. 4 shows a flow chart of a credit card payment method in accordance with one embodiment of the present invention.
- FIG. 1 shows a flow chart of a payment method based on a credit payment method in accordance with one embodiment of the present invention.
- a payment method based on a credit payment method includes:
- Step 102 When receiving the payment request, calculate attribute information of multiple associated credit payment methods
- Step 104 Perform payment by using the credit payment method in which the attribute information in the plurality of associated credit payment methods meets a predetermined condition.
- the payment when performing online shopping and the like, the payment can be made by using the credit payment method whose attribute information meets the predetermined condition, so that the user can enjoy the bank interest-free service to the maximum extent, and the user's payment payment experience is improved. .
- the associated credit payment method may include one or more credit cards, and may also include overdraft services from third-party platforms, such as Jingdong white bars, etc., of course, the associated credit payment method may also be as needed. Any other credit payment method.
- the attribute information includes at least one or a combination of: a current interest-free date, an un-billed amount, a repayment rate, a payment method favorable rate, and an automatic repayment binding condition.
- the attribute information of the credit payment method includes, but is not limited to, one or a combination of the foregoing, and the user can select the attribute information that needs to be considered according to his own needs, so as to select an appropriate credit payment method.
- the associated credit payment method when the associated credit payment method is multiple credit cards, one or more of the current interest-free date, un-billing amount, repayment rate, and automatic repayment binding may be used as the basis for credit card selection, for example, , you can choose to pay the credit card with the lowest amount of billing, or The credit card with the lowest unpaid bill, the credit card with the lowest repayment rate, or the credit card with automatic repayment is selected among the credit cards whose current interest-free date exceeds the predetermined number of days.
- the associated credit payment method is a third-party platform credit payment method that does not have a billing date, such as Jingdong Baizhi, since it needs to repay within the scheduled date after consumption, it can only consider the repayment rate and/or automatic repayment. Set the situation.
- the associated credit payment method includes credit card and third-party platform credit payment methods
- the binding credit payment method or the credit payment method bound by the repayment method selects one of the repayment rates, and of course, the unpaid bill amount of the credit card and the current repayment amount of the third party platform may also be separately calculated.
- the step 102 specifically includes: acquiring the multiple associated The repayment date of each credit payment method in the credit payment method; calculating the current interest-free date of each credit payment method according to the current date and the repayment date of each credit payment method; and in the calculation Before the attribute information of the plurality of associated credit payment methods, the method further includes: storing a repayment date of each of the plurality of associated credit payment methods.
- the current interest-free date of each credit payment method may be calculated according to the current date, and the current interest-free day of each credit payment method, wherein each credit payment method may be disassociated, and of course, may also be a terminal. Link new credit payment methods.
- the user's mobile phone is associated with credit card A and credit card B.
- the credit card A's billing date is 6th of each month
- the repayment date is 24th of each month
- the credit card B billing date is 10th of each month
- the repayment date is 28 per month.
- the current interest-free day of credit card A is 23 days
- the current interest-free day of credit card B is 27 days, so the mobile phone can directly select the repayment date later. It is the current credit card B with a long interest-free date to make payment.
- the repayment date of the credit payment method can be directly entered, or the information of the credit payment method can be directly inquired on the network to automatically obtain the credit.
- the repayment date of the payment method so that the repayment date of the credit payment method can be stored for the call.
- the method further includes: Obtaining an unbilled amount of the plurality of associated credit payment methods; determining, by the at least one credit payment method that the unbilled amount is lower than the predetermined amount, for selecting among the at least one credit payment method The target credit payment method used for payment.
- the payment of the current interest-free date of the longest credit payment method can be directly selected among all the associated credit payment methods, but also the current interest-free date and the un-billed amount can be used as the consolidation conditions for the credit payment method.
- the choice that is, the payment can be made by selecting one of the credit payment methods in which the current interest-free date is the longest, at least one type of credit payment method in which the unpaid bill amount is lower than the predetermined amount.
- the length of the current interest-free day and the unpaid bill amount of the credit payment method are comprehensively considered, so that it is convenient to select a more appropriate credit payment method for payment, thereby improving the user experience.
- the step 104 includes: determining that the current interest-free day is greater than or equal to a predetermined time, at least one candidate credit payment method; selecting the at least one candidate credit payment method The credit payment method with the lowest unbilled amount is paid.
- the at least one credit payment method that exceeds the predetermined time on the current interest-free date may also be selected.
- the payment is made by a credit payment method with the lowest bill amount.
- the terminal may have at least three payment methods associated with the credit card: directly selecting the credit card with the longest interest-free date for payment, and selecting at least one credit card for which the un-billed amount is lower than the predetermined amount, wherein the current interest-free day is the most The long credit card is used for payment, and the credit card with the lowest non-bill amount is selected for payment in at least one credit card whose current interest-free date exceeds the predetermined time.
- These three methods may be provided by the terminal, or may be performed by the terminal according to the credit card.
- the information and the actual payment scenario are selected as the most suitable one, or the terminal can count the user's operating habits to select the most commonly used one, or the terminal can provide the three payment methods, and according to the received selection command from the user. , choose the payment method you want in the three payment methods.
- FIG. 2 shows a block diagram of a payment device based on a credit payment method in accordance with one embodiment of the present invention.
- the payment device 200 based on the credit payment method includes: an interest-free day calculation unit 202, when calculating a payment request, calculating attribute information of a plurality of associated credit payment methods.
- the credit payment method payment unit 204 performs payment using the credit payment method in which the attribute information in the plurality of associated credit payment methods meets a predetermined condition.
- the payment when performing online shopping and the like, the payment can be made by using the credit payment method whose attribute information meets the predetermined condition, so that the user can enjoy the bank interest-free service to the maximum extent, and the user's payment payment experience is improved. .
- the associated credit payment method may include one or more credit cards, and may also include overdraft services from third-party platforms, such as Jingdong white bars, etc., of course, the associated credit payment method may also be as needed. Any other credit payment method.
- the attribute information includes at least one or a combination of: a current interest-free date, an un-billed amount, a repayment rate, a payment method favorable rate, and an automatic repayment binding condition.
- the attribute information of the credit payment method includes, but is not limited to, one or a combination of the foregoing, and the user can select the attribute information that needs to be considered according to his own needs, so as to select an appropriate credit payment method.
- one or more of the current interest-free date, un-billing amount, repayment rate, and automatic repayment binding may be used as the basis for credit card selection, for example, You can choose the credit card with the lowest billing amount to make the payment, or choose the credit card with the lowest billing amount, the credit card with the lowest repayment rate, or the credit card with the automatic repayment credit in the credit card with the current interest-free date exceeding the predetermined number of days.
- the associated credit payment method is a third-party platform credit payment method that does not have a billing date, such as Jingdong Baizhi, since it needs to repay within the scheduled date after consumption, it can only consider the repayment rate and/or automatic repayment. Set the situation.
- the associated credit payment method includes credit card and third-party platform credit payment methods
- Bound credit payment method or credit payment in the repayment In the mode one of the repayment rates is selected.
- the unpaid bill amount of the credit card and the current amount of the third party platform to be repaid can also be calculated separately.
- the interest-free day calculation unit 202 includes: repayment The date obtaining unit 2022 is configured to obtain a repayment date of each of the plurality of associated credit payment methods; the interest-free date calculation unit 202 is specifically configured to: according to the current date and the credit payment method And calculating, by the payment date, the current interest-free day of each credit payment method; and the payment method 200 based on the credit payment method further includes: a repayment date storage unit 206, where the plurality of associated credit payment methods are calculated Before the attribute information, a repayment date of each of the plurality of associated credit payment methods is stored.
- the current interest-free date of each credit payment method may be calculated according to the current date, and the current interest-free day of each credit payment method, wherein each credit payment method may be disassociated, and of course, may also be a terminal. Link new credit payment methods.
- the user's mobile phone is associated with credit card A and credit card B.
- the credit card A's billing date is 6th of each month
- the repayment date is 24th of each month
- the credit card B billing date is 10th of each month
- the repayment date is 28 per month.
- the current interest-free day of credit card A is 23 days
- the current interest-free day of credit card B is 27 days, so the mobile phone can directly select the repayment date later. It is the current credit card B with a long interest-free date to make payment.
- the repayment date of the credit payment method can be directly entered, or the information of the credit payment method can be directly inquired on the network to automatically obtain the credit.
- the repayment date of the payment method so that the repayment date of the credit payment method can be stored for the call.
- the method further includes: an unbilled billing obtaining unit 208, acquiring the plurality of types before the credit payment method payment unit performs payment by using the credit payment method in which the attribute information meets a predetermined condition The unpaid billing amount of the associated credit payment method; the credit payment method payment unit 204 is specifically configured to: determine the at least one credit payment method that the unbilled amount is lower than the predetermined amount, for at least one of the at least one Select the target credit payment method for payment in the credit payment method.
- the payment of the current interest-free date of the longest credit payment method can be directly selected among all the associated credit payment methods, but also the current interest-free date and the un-billed amount can be used as the consolidation conditions for the credit payment method.
- the choice that is, the payment can be made by selecting one of the credit payment methods in which the current interest-free date is the longest, at least one type of credit payment method in which the unpaid bill amount is lower than the predetermined amount.
- the length of the current interest-free day and the unpaid bill amount of the credit payment method are comprehensively considered, so that it is convenient to select a more appropriate credit payment method for payment, thereby improving the user experience.
- the credit payment method payment unit 204 is specifically configured to: determine that the current interest-free date is greater than or equal to a predetermined time, and at least one of the selected credit payment methods. In the candidate credit payment method, the credit payment method with the lowest undisbursed amount is selected for payment.
- the at least one credit payment method that exceeds the predetermined time on the current interest-free date may also be selected.
- the payment is made by a credit payment method with the lowest bill amount.
- Figure 3 shows a block diagram of a terminal in accordance with one embodiment of the present invention.
- the terminal includes a communication bus 302, an input device 303, an output device 304, a memory 305, and a processor 301, where:
- the communication bus 302 is configured to implement connection communication between the input device 303, the output device 304, the memory 305, and the processor 301;
- the input device 303 is configured to receive a payment request.
- the output device 304 is configured to perform payment by using a credit payment method whose attribute information meets a predetermined condition
- the memory 305 stores a set of program codes, and the terminal calls the program code stored in the memory 305 for performing the following operations:
- the processor 301 calculates attribute information of a plurality of associated credit payment methods
- the output device 304 performs payment using the credit payment method in which the attribute information of the plurality of associated credit payment methods meets a predetermined condition.
- the attribute information includes at least one or a combination of: a current interest-free date, an un-billed amount, a repayment rate, a payment method favorable rate, and an automatic repayment binding.
- the processor 301 calculates attribute information of multiple associated credit payment methods, Specifically include:
- the processor 301 acquires a repayment date of each of the plurality of associated credit payment methods
- the processor 301 calculates a current interest-free date of each of the credit payment methods according to a current date and a repayment date of each of the credit payment methods;
- the method further includes:
- the processor 301 stores a repayment date of each of the plurality of associated credit payment methods.
- the predetermined condition is that the unbilled amount is lower than a predetermined amount
- the plurality of associated credits are used at the output device 304.
- the processor 301 acquires an unbilled amount of the plurality of associated credit payment methods
- the processor 301 determines at least one credit payment method that the unbilled amount is lower than the predetermined amount for selecting a target credit payment method for payment in the at least one credit payment method.
- the output device 304 performs payment by using the credit payment method in which the current interest-free day attribute information in the plurality of associated credit payment methods is up to the predetermined condition, including:
- the processor 301 determines that the current interest-free date is greater than or equal to a predetermined time of at least one candidate credit payment method
- the output device 304 selects the credit payment method with the lowest unspent bill amount to make payment in the at least one candidate credit payment method.
- FIG. 4 shows a flow chart of a credit card payment method in accordance with one embodiment of the present invention.
- a credit card payment method includes:
- step 402 the billing date and the repayment date of each credit card are entered.
- the billing date and the repayment date of the bank card can be directly entered, or the network card can be directly inquired according to the information of the bank card to automatically obtain the bill of the bank card. Day and repayment date, so that the bank card's billing date and repayment date can be stored for future calls.
- Step 404 receiving a request for online shopping payment.
- Step 406 Calculate the current interest-free date of each credit card according to the current date and the billing date and the repayment date of each credit card, and select the credit card with the longest interest-free date.
- the user's mobile phone is associated with credit card A and credit card B.
- the credit card A's billing date is 6th of each month
- the repayment date is 24th of each month
- the credit card B billing date is 10th of each month
- the repayment date is 28 per month.
- the current interest-free day of credit card A is 23 days
- the current interest-free day of credit card B is 27 days, so the mobile phone can directly select the repayment date later. It is the current credit card B with a long interest-free date to make payment.
- Step 408 Display the information of the target credit card with the longest interest-free date, use the card to pay, or prompt the user whether to use the card to pay.
- the billing date and the repayment date of the credit card are managed on the mobile phone end, and when the user makes an online shopping payment, the user can directly select a credit card with the longest interest-free date for the user, so that the user can further Effectively manage your own funds.
Abstract
一种基于信贷付款方式的付款方法、一种付款装置和一种终端，其中，基于信贷付款方式的付款方法包括：在接收到付款请求时，计算多种已关联信贷付款方式的属性信息（102）；使用所述多种已关联信贷付款方式中的所述属性信息符合预定条件的信贷付款方式进行付款（104）。该方法使用户能够最大限度地享受银行免息等服务，提升了用户的透支付款使用体验。
Description
本申请要求于2016年03月31日提交中国专利局，申请号为201610196786.8、发明名称为“基于信贷付款方式的付款方法、付款装置和终端”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
本发明涉及终端技术领域，具体而言，涉及一种基于信贷付款方式的付款方法、一种基于信贷付款方式的付款装置和一种终端。
目前，很多用户都是同时有多种信贷付款方式在使用，如信用卡、第三方平台等，方便了用户的生活。
然而，不同银行、不同类别的信贷付款方式的账单日不一样，在任一时间进行支付时，用户的多种信贷付款方式的当前免息日就会有所不同，然而，这种情况下，用户无法清晰、快捷地计算出每一种信贷付款方式的当前免息日。
因此需要一种新的技术方案，可以自动计算多种信贷付款方式的当前免息日等属性信息，以选择适宜的信贷付款方式完成付款。
发明内容
本发明正是基于上述问题，提出了一种新的技术方案，可以自动计算多种信贷付款方式的当前免息日等属性信息，以选择适宜的信贷付款方式完成付款。
有鉴于此，本发明的一方面提出了一种基于信贷付款方式的付款方法，包括：在接收到付款请求时，计算多种已关联信贷付款方式的属性信息；使用所述多种已关联信贷付款方式中的所述属性信息符合预定条件的信贷付款方式进行付款。
在该技术方案中，进行网上购物等事务时，可以使用属性信息符合预定条件的信贷付款方式进行付款，这样，即可使用户最大限度地享受银行免息服务，提升了用户的透支付款使用体验。
其中，已关联的信贷付款方式可以包括一张或多张信用卡，还可以包括来自第三方平台的透支服务，如京东白条等，当然，已关联的信贷付款方式还可以是根据需要除此之外的其他任何信贷付款方式。
在上述技术方案中，优选地，所述属性信息包括以下至少之一或组合：当前免息日、未出账单金额、还款利率、付款方式好评率、自动还款绑定情况。
在该技术方案中，信贷付款方式的属性信息包括但不限于上述之一或组合，用户可以根据自身需求选择所需要考虑的属性信息，以便选择适宜的信贷付款方式。
其中，当关联的信贷付款方式为多张信用卡时，可以使用当前免息日、未出账单金额、还款利率、自动还款绑定情况中的一项或多项作为信用卡选择的依据，比如，可以选择未出账单金额最低的信用卡进行付款，或在当前免息日超过预定天数的信用卡中选择未出账单金额最低的信用卡、还款利率最低的信用卡或已绑定自动还款的信用卡。当关联的信贷付款方式为京东白条等不具有账单日的第三方平台信贷付款方式时，由于其需要在消费后的预定日期内还款，则可以只考虑还款利率和/或自动还款绑定情况。而如果关联的信贷付款方式同时包括信用卡和第三方平台信贷付款方式，则可以只考虑还款利率和/或自动还款绑定情况，如选择还款利率最低的信贷付款方式、选择自动还款绑定的信贷付款方式或在动还款绑定的信贷付款方式中选择还款利率的一种，当然，也可以分别计算信用卡的未出账单金额和第三方平台的当前待还款金额。
在上述技术方案中，优选地，当所述属性信息为所述当前免息日时，所述预定条件为所述当前免息日最长，则所述计算多种已关联信贷付款方式的属性信息，具体包括：获取所述多种已关联信贷付款方式中的每种信贷付款方式的还款日；根据当前日期和所述每种信贷付款方式的还款日，计算所述每种信贷付款方式的当前免息日；以及在所述计算多种已关联信
贷付款方式的属性信息之前，还包括：存储所述多种已关联信贷付款方式中的所述每种信贷付款方式的还款日。
在该技术方案中，可以根据当前日期述每种信贷付款方式的还款日，计算每种信贷付款方式的当前免息日，其中，每种信贷付款方式可以解除关联，当然，也可以为终端关联新的信贷付款方式。通过该技术方案，使用户能够最大限度地享受银行免息等服务，提升了用户的透支付款使用体验。
比如，用户的手机关联有信用卡A和信用卡B，信用卡A的账单日是每月6日，还款日是每月24日，信用卡B账单日是每月10日，还款日是每月28日，当在1月1日在手机上使用信用卡付款时，信用卡A当前的免息日为23天，信用卡B当前的免息日为27天，故手机可以直接选定还款日较迟也就是当前免息日较长的信用卡B进行付款。
在该技术方案中，每次为终端关联新的信贷付款方式时，即可直接录入该信贷付款方式的还款日，或直接根据该信贷付款方式的信息在网络进行查询，以自动获取该信贷付款方式的还款日，从而可以把该信贷付款方式的还款日存储起来，以备调用。
在上述任一技术方案中，优选地，当所述属性信息为所述未出账单金额时，所述预定条件为所述未出账单金额低于预定金额，则在所述使用所述多种已关联信贷付款方式中的所述属性信息符合预定条件的信贷付款方式进行付款之前，还包括：获取所述多种已关联信贷付款方式的未出账单金额；确定所述未出账单金额低于所述预定金额的至少一种信贷付款方式，以供在所述至少一种信贷付款方式中选择用于付款的目标信贷付款方式。
在该技术方案中，不只可以直接在所有关联信贷付款方式中选择当前免息日最长的信贷付款方式进行付款，还可以将当前免息日和未出账单金额作为合并条件一起进行信贷付款方式的选择，也就是说，可以在未出账单金额低于预定金额的至少一种信贷付款方式选择其中当前免息日最长的一种信贷付款方式进行付款。通过该技术方案，对当前免息日的长短和信贷付款方式的未出账单金额进行了综合考量，便于选择更适宜的信贷付款方式进行支付，提升了用户体验。
在上述任一技术方案中，优选地，所述使用所述多种已关联信贷付款方式中的所述属性信息符合预定条件的信贷付款方式进行付款，包括：确定所述当前免息日大于或等于预定时间的至少一种待选信贷付款方式；在所述至少一种待选信贷付款方式中选择所述未出账单金额最低的信贷付款方式进行付款。
在该技术方案中，在将当前免息日和未出账单金额作为合并条件一起进行信贷付款方式的选择时，还可以在当前免息日超过预定时间的至少一种信贷付款方式中选择未出账单金额最低的一种信贷付款方式进行付款。通过该技术方案，对当前免息日的长短和信贷付款方式的未出账单金额进行了综合考量，便于选择更适宜的信贷付款方式进行支付，提升了用户体验。
例如，终端可以至少具有三种与信用卡的相关的付款方式：直接选择当前免息日最长的信用卡进行付款、在未出账单金额低于预定金额的至少一张信用卡选择其中当前免息日最长的信用卡进行付款、在当前免息日超过预定时间的至少一张信用卡中选择未出账单金额最低的信用卡进行付款，这三种方式可以由终端自带一种，或可以由终端根据信用卡的信息及实际付款场景选择最适合的一种，或可以由终端统计用户的操作习惯来选择最常用的一种，或可以由终端提供这三种付款方式，并根据接收到的来自用户的选择命令，在三种付款方式中选择所需的付款方式。
本发明的另一方面提出了一种基于信贷付款方式的付款装置，包括：免息日计算单元，在接收到付款请求时，计算多种已关联信贷付款方式的属性信息；信贷付款方式付款单元，使用所述多种已关联信贷付款方式中的所述属性信息符合预定条件的信贷付款方式进行付款。
在该技术方案中，进行网上购物等事务时，可以使用属性信息符合预定条件的信贷付款方式进行付款，这样，即可使用户最大限度地享受银行免息服务，提升了用户的透支付款使用体验。
其中，已关联的信贷付款方式可以包括一张或多张信用卡，还可以包括来自第三方平台的透支服务，如京东白条等，当然，已关联的信贷付款方式还可以是根据需要除此之外的其他任何信贷付款方式。
在上述技术方案中，优选地，所述属性信息包括以下至少之一或组合：当前免息日、未出账单金额、还款利率、付款方式好评率、自动还款绑定情况。
在该技术方案中，信贷付款方式的属性信息包括但不限于上述之一或组合，用户可以根据自身需求选择所需要考虑的属性信息，以便选择适宜的信贷付款方式。
其中，当关联的信贷付款方式为多张信用卡时，可以使用当前免息日、未出账单金额、还款利率、自动还款绑定情况中的一项或多项作为信用卡选择的依据，比如，可以选择未出账单金额最低的信用卡进行付款，或在当前免息日超过预定天数的信用卡中选择未出账单金额最低的信用卡、还款利率最低的信用卡或已绑定自动还款的信用卡。当关联的信贷付款方式为京东白条等不具有账单日的第三方平台信贷付款方式时，由于其需要在消费后的预定日期内还款，则可以只考虑还款利率和/或自动还款绑定情况。而如果关联的信贷付款方式同时包括信用卡和第三方平台信贷付款方式，则可以只考虑还款利率和/或自动还款绑定情况，如选择还款利率最低的信贷付款方式、选择自动还款绑定的信贷付款方式或在动还款绑定的信贷付款方式中选择还款利率的一种，当然，也可以分别计算信用卡的未出账单金额和第三方平台的当前待还款金额。
在上述技术方案中，优选地，当所述属性信息为所述当前免息日时，所述预定条件为所述当前免息日最长，则所述免息日计算单元包括：还款日获取单元，获取所述多种已关联信贷付款方式中的每种信贷付款方式的还款日；所述免息日计算单元具体用于：根据当前日期和所述每种信贷付款方式的还款日，计算所述每种信贷付款方式的当前免息日；以及所述基于信贷付款方式的付款装置还包括：还款日存储单元，在所述计算多种已关联信贷付款方式的属性信息之前，存储所述多种已关联信贷付款方式中的所述每种信贷付款方式的还款日。
在该技术方案中，可以根据当前日期述每种信贷付款方式的还款日，计算每种信贷付款方式的当前免息日，其中，每种信贷付款方式可以解除关联，当然，也可以为终端关联新的信贷付款方式。通过该技术方案，使
用户能够最大限度地享受银行免息等服务，提升了用户的透支付款使用体验。
比如，用户的手机关联有信用卡A和信用卡B，信用卡A的账单日是每月6日，还款日是每月24日，信用卡B账单日是每月10日，还款日是每月28日，当在1月1日在手机上使用信用卡付款时，信用卡A当前的免息日为23天，信用卡B当前的免息日为27天，故手机可以直接选定还款日较迟也就是当前免息日较长的信用卡B进行付款。
在该技术方案中，每次为终端关联新的信贷付款方式时，即可直接录入该信贷付款方式的还款日，或直接根据该信贷付款方式的信息在网络进行查询，以自动获取该信贷付款方式的还款日，从而可以把该信贷付款方式的还款日存储起来，以备调用。
在上述任一技术方案中，优选地，当所述属性信息为所述未出账单金额时，所述预定条件为所述未出账单金额低于预定金额，则所述基于信贷付款方式的付款装置还包括：未出账单获取单元，在所述信贷付款方式付款单元使用所述属性信息符合预定条件的信贷付款方式进行付款之前，获取所述多种已关联信贷付款方式的未出账单金额；所述信贷付款方式付款单元具体用于：确定所述未出账单金额低于所述预定金额的至少一种信贷付款方式，以供在所述至少一种信贷付款方式中选择用于付款的目标信贷付款方式。
在该技术方案中，不只可以直接在所有关联信贷付款方式中选择当前免息日最长的信贷付款方式进行付款，还可以将当前免息日和未出账单金额作为合并条件一起进行信贷付款方式的选择，也就是说，可以在未出账单金额低于预定金额的至少一种信贷付款方式选择其中当前免息日最长的一种信贷付款方式进行付款。通过该技术方案，对当前免息日的长短和信贷付款方式的未出账单金额进行了综合考量，便于选择更适宜的信贷付款方式进行支付，提升了用户体验。
在上述任一技术方案中，优选地，所述信贷付款方式付款单元用于：确定所述当前免息日大于或等于预定时间的至少一种待选信贷付款方式，并在所述至少一种待选信贷付款方式中选择所述未出账单金额最低的信贷
付款方式进行付款。
在该技术方案中，在将当前免息日和未出账单金额作为合并条件一起进行信贷付款方式的选择时，还可以在当前免息日超过预定时间的至少一种信贷付款方式中选择未出账单金额最低的一种信贷付款方式进行付款。通过该技术方案，对当前免息日的长短和信贷付款方式的未出账单金额进行了综合考量，便于选择更适宜的信贷付款方式进行支付，提升了用户体验。
本发明的再一方面提出了一种终端，包括通信总线、输入装置、输出装置、存储器以及处理器，其中：
所述通信总线，用于实现所述输入装置、输出装置、存储器以及处理器之间的连接通信；
所述输入装置，用于接收付款请求；
所述输出装置，用于使用属性信息符合预定条件的信贷付款方式进行付款；
所述存储器中存储一组程序代码，且所述终端调用所述存储器中存储的程序代码，用于执行以下操作：
在所述输入装置接收到付款请求时，所述处理器计算多种已关联信贷付款方式的属性信息；
所述输出装置使用所述多种已关联信贷付款方式中的所述属性信息符合预定条件的信贷付款方式进行付款。
可选的，所述属性信息包括以下至少之一或组合：当前免息日、未出账单金额、还款利率、付款方式好评率、自动还款绑定情况。
可选的，当所述属性信息为所述当前免息日时，所述预定条件为所述当前免息日最长，则所述处理器计算多种已关联信贷付款方式的属性信息，具体包括：
所述处理器获取所述多种已关联信贷付款方式中的每种信贷付款方式的还款日；
所述处理器根据当前日期和所述每种信贷付款方式的还款日，计算所述每种信贷付款方式的当前免息日；以及
在所述处理器计算多种已关联信贷付款方式的属性信息之前，还包括：
所述处理器存储所述多种已关联信贷付款方式中的所述每种信贷付款方式的还款日。
可选的，当所述属性信息为所述未出账单金额时，所述预定条件为所述未出账单金额低于预定金额，则在所述输出装置使用所述多种已关联信贷付款方式中的所述属性信息符合预定条件的信贷付款方式进行付款之前，还包括：
所述处理器获取所述多种已关联信贷付款方式的未出账单金额；
所述处理器确定所述未出账单金额低于所述预定金额的至少一种信贷付款方式，以供在所述至少一种信贷付款方式中选择用于付款的目标信贷付款方式。
可选的，所述输出装置使用所述多种已关联信贷付款方式中的所述当前免息日属性信息最长符合预定条件的信贷付款方式进行付款，包括：
所述处理器确定所述当前免息日大于或等于预定时间的至少一种待选信贷付款方式；
所述输出装置在所述至少一种待选信贷付款方式中选择所述未出账单金额最低的信贷付款方式进行付款。
通过以上技术方案，使用户能够最大限度地享受银行免息等服务，提升了用户的透支付款使用体验。
图1示出了根据本发明的一个实施例的基于信贷付款方式的付款方法的流程图；
图2示出了根据本发明的一个实施例的基于信贷付款方式的付款装置的框图；
图3示出了根据本发明的一个实施例的终端的框图；
图4示出了根据本发明的一个实施例的信用卡付款方法的流程图。
为了能够更清楚地理解本发明的上述目的、特征和优点，下面结合附图和具体实施方式对本发明进行进一步的详细描述。需要说明的是，在不冲突的情况下，本申请的实施例及实施例中的特征可以相互组合。
在下面的描述中阐述了很多具体细节以便于充分理解本发明，但是，本发明还可以采用其他不同于在此描述的其他方式来实施，因此，本发明的保护范围并不受下面公开的具体实施例的限制。
图1示出了根据本发明的一个实施例的基于信贷付款方式的付款方法的流程图。
如图1所示，根据本发明的一个实施例的基于信贷付款方式的付款方法，包括：
步骤102，在接收到付款请求时，计算多种已关联信贷付款方式的属性信息；
步骤104，使用所述多种已关联信贷付款方式中的所述属性信息符合预定条件的信贷付款方式进行付款。
在该技术方案中，进行网上购物等事务时，可以使用属性信息符合预定条件的信贷付款方式进行付款，这样，即可使用户最大限度地享受银行免息服务，提升了用户的透支付款使用体验。
其中，已关联的信贷付款方式可以包括一张或多张信用卡，还可以包括来自第三方平台的透支服务，如京东白条等，当然，已关联的信贷付款方式还可以是根据需要除此之外的其他任何信贷付款方式。
在上述技术方案中，优选地，所述属性信息包括以下至少之一或组合：当前免息日、未出账单金额、还款利率、付款方式好评率、自动还款绑定情况。
在该技术方案中，信贷付款方式的属性信息包括但不限于上述之一或组合，用户可以根据自身需求选择所需要考虑的属性信息，以便选择适宜的信贷付款方式。
其中，当关联的信贷付款方式为多张信用卡时，可以使用当前免息日、未出账单金额、还款利率、自动还款绑定情况中的一项或多项作为信用卡选择的依据，比如，可以选择未出账单金额最低的信用卡进行付款，或在
当前免息日超过预定天数的信用卡中选择未出账单金额最低的信用卡、还款利率最低的信用卡或已绑定自动还款的信用卡。当关联的信贷付款方式为京东白条等不具有账单日的第三方平台信贷付款方式时，由于其需要在消费后的预定日期内还款，则可以只考虑还款利率和/或自动还款绑定情况。而如果关联的信贷付款方式同时包括信用卡和第三方平台信贷付款方式，则可以只考虑还款利率和/或自动还款绑定情况，如选择还款利率最低的信贷付款方式、选择自动还款绑定的信贷付款方式或在动还款绑定的信贷付款方式中选择还款利率的一种，当然，也可以分别计算信用卡的未出账单金额和第三方平台的当前待还款金额。
在上述技术方案中，优选地，当所述属性信息为所述当前免息日时，所述预定条件为所述当前免息日最长，则步骤102具体包括：获取所述多种已关联信贷付款方式中的每种信贷付款方式的还款日；根据当前日期和所述每种信贷付款方式的还款日，计算所述每种信贷付款方式的当前免息日；以及在所述计算多种已关联信贷付款方式的属性信息之前，还包括：存储所述多种已关联信贷付款方式中的所述每种信贷付款方式的还款日。
在该技术方案中，可以根据当前日期述每种信贷付款方式的还款日，计算每种信贷付款方式的当前免息日，其中，每种信贷付款方式可以解除关联，当然，也可以为终端关联新的信贷付款方式。通过该技术方案，使用户能够最大限度地享受银行免息等服务，提升了用户的透支付款使用体验。
比如，用户的手机关联有信用卡A和信用卡B，信用卡A的账单日是每月6日，还款日是每月24日，信用卡B账单日是每月10日，还款日是每月28日，当在1月1日在手机上使用信用卡付款时，信用卡A当前的免息日为23天，信用卡B当前的免息日为27天，故手机可以直接选定还款日较迟也就是当前免息日较长的信用卡B进行付款。
在该技术方案中，每次为终端关联新的信贷付款方式时，即可直接录入该信贷付款方式的还款日，或直接根据该信贷付款方式的信息在网络进行查询，以自动获取该信贷付款方式的还款日，从而可以把该信贷付款方式的还款日存储起来，以备调用。
在上述任一技术方案中，优选地，当所述属性信息为所述未出账单金额时，所述预定条件为所述未出账单金额低于预定金额，则在步骤104之前，还包括：获取所述多种已关联信贷付款方式的未出账单金额；确定所述未出账单金额低于所述预定金额的至少一种信贷付款方式，以供在所述至少一种信贷付款方式中选择用于付款的目标信贷付款方式。
在该技术方案中，不只可以直接在所有关联信贷付款方式中选择当前免息日最长的信贷付款方式进行付款，还可以将当前免息日和未出账单金额作为合并条件一起进行信贷付款方式的选择，也就是说，可以在未出账单金额低于预定金额的至少一种信贷付款方式选择其中当前免息日最长的一种信贷付款方式进行付款。通过该技术方案，对当前免息日的长短和信贷付款方式的未出账单金额进行了综合考量，便于选择更适宜的信贷付款方式进行支付，提升了用户体验。
在上述任一技术方案中，优选地，步骤104包括：确定所述当前免息日大于或等于预定时间的至少一种待选信贷付款方式；在所述至少一种待选信贷付款方式中选择所述未出账单金额最低的信贷付款方式进行付款。
在该技术方案中，在将当前免息日和未出账单金额作为合并条件一起进行信贷付款方式的选择时，还可以在当前免息日超过预定时间的至少一种信贷付款方式中选择未出账单金额最低的一种信贷付款方式进行付款。通过该技术方案，对当前免息日的长短和信贷付款方式的未出账单金额进行了综合考量，便于选择更适宜的信贷付款方式进行支付，提升了用户体验。
例如，终端可以至少具有三种与信用卡的相关的付款方式：直接选择当前免息日最长的信用卡进行付款、在未出账单金额低于预定金额的至少一张信用卡选择其中当前免息日最长的信用卡进行付款、在当前免息日超过预定时间的至少一张信用卡中选择未出账单金额最低的信用卡进行付款，这三种方式可以由终端自带一种，或可以由终端根据信用卡的信息及实际付款场景选择最适合的一种，或可以由终端统计用户的操作习惯来选择最常用的一种，或可以由终端提供这三种付款方式，并根据接收到的来自用户的选择命令，在三种付款方式中选择所需的付款方式。
图2示出了根据本发明的一个实施例的基于信贷付款方式的付款装置的框图。
如图2所示，根据本发明的一个实施例的基于信贷付款方式的付款装置200，包括：免息日计算单元202，在接收到付款请求时，计算多种已关联信贷付款方式的属性信息；信贷付款方式付款单元204，使用所述多种已关联信贷付款方式中的所述属性信息符合预定条件的信贷付款方式进行付款。
在该技术方案中，进行网上购物等事务时，可以使用属性信息符合预定条件的信贷付款方式进行付款，这样，即可使用户最大限度地享受银行免息服务，提升了用户的透支付款使用体验。
其中，已关联的信贷付款方式可以包括一张或多张信用卡，还可以包括来自第三方平台的透支服务，如京东白条等，当然，已关联的信贷付款方式还可以是根据需要除此之外的其他任何信贷付款方式。
在上述技术方案中，优选地，所述属性信息包括以下至少之一或组合：当前免息日、未出账单金额、还款利率、付款方式好评率、自动还款绑定情况。
在该技术方案中，信贷付款方式的属性信息包括但不限于上述之一或组合，用户可以根据自身需求选择所需要考虑的属性信息，以便选择适宜的信贷付款方式。
其中，当关联的信贷付款方式为多张信用卡时，可以使用当前免息日、未出账单金额、还款利率、自动还款绑定情况中的一项或多项作为信用卡选择的依据，比如，可以选择未出账单金额最低的信用卡进行付款，或在当前免息日超过预定天数的信用卡中选择未出账单金额最低的信用卡、还款利率最低的信用卡或已绑定自动还款的信用卡。当关联的信贷付款方式为京东白条等不具有账单日的第三方平台信贷付款方式时，由于其需要在消费后的预定日期内还款，则可以只考虑还款利率和/或自动还款绑定情况。而如果关联的信贷付款方式同时包括信用卡和第三方平台信贷付款方式，则可以只考虑还款利率和/或自动还款绑定情况，如选择还款利率最低的信贷付款方式、选择自动还款绑定的信贷付款方式或在动还款绑定的信贷付
款方式中选择还款利率的一种，当然，也可以分别计算信用卡的未出账单金额和第三方平台的当前待还款金额。
在上述任一技术方案中，优选地，当所述属性信息为所述当前免息日时，所述预定条件为所述当前免息日最长，则免息日计算单元202包括：还款日获取单元2022，获取所述多种已关联信贷付款方式中的每种信贷付款方式的还款日；免息日计算单元202具体用于：根据当前日期和所述每种信贷付款方式的还款日，计算所述每种信贷付款方式的当前免息日；以及所述基于信贷付款方式的付款装置200还包括：还款日存储单元206，在所述计算多种已关联信贷付款方式的属性信息之前，存储所述多种已关联信贷付款方式中的所述每种信贷付款方式的还款日。
在该技术方案中，可以根据当前日期述每种信贷付款方式的还款日，计算每种信贷付款方式的当前免息日，其中，每种信贷付款方式可以解除关联，当然，也可以为终端关联新的信贷付款方式。通过该技术方案，使用户能够最大限度地享受银行免息服务，提升了用户的透支付款使用体验。
比如，用户的手机关联有信用卡A和信用卡B，信用卡A的账单日是每月6日，还款日是每月24日，信用卡B账单日是每月10日，还款日是每月28日，当在1月1日在手机上使用信用卡付款时，信用卡A当前的免息日为23天，信用卡B当前的免息日为27天，故手机可以直接选定还款日较迟也就是当前免息日较长的信用卡B进行付款。
在该技术方案中，每次为终端关联新的信贷付款方式时，即可直接录入该信贷付款方式的还款日，或直接根据该信贷付款方式的信息在网络进行查询，以自动获取该信贷付款方式的还款日，从而可以把该信贷付款方式的还款日存储起来，以备调用。
在上述任一技术方案中，优选地，还包括：未出账单获取单元208，在所述信贷付款方式付款单元使用所述属性信息符合预定条件的信贷付款方式进行付款之前，获取所述多种已关联信贷付款方式的未出账单金额；信贷付款方式付款单元204具体用于：确定所述未出账单金额低于所述预定金额的至少一种信贷付款方式，以供在所述至少一种信贷付款方式中选择用于付款的目标信贷付款方式。
在该技术方案中，不只可以直接在所有关联信贷付款方式中选择当前免息日最长的信贷付款方式进行付款，还可以将当前免息日和未出账单金额作为合并条件一起进行信贷付款方式的选择，也就是说，可以在未出账单金额低于预定金额的至少一种信贷付款方式选择其中当前免息日最长的一种信贷付款方式进行付款。通过该技术方案，对当前免息日的长短和信贷付款方式的未出账单金额进行了综合考量，便于选择更适宜的信贷付款方式进行支付，提升了用户体验。
在上述任一技术方案中，优选地，信贷付款方式付款单元204具体用于：确定所述当前免息日大于或等于预定时间的至少一种待选信贷付款方式，并在所述至少一种待选信贷付款方式中选择所述未出账单金额最低的信贷付款方式进行付款。
在该技术方案中，在将当前免息日和未出账单金额作为合并条件一起进行信贷付款方式的选择时，还可以在当前免息日超过预定时间的至少一种信贷付款方式中选择未出账单金额最低的一种信贷付款方式进行付款。通过该技术方案，对当前免息日的长短和信贷付款方式的未出账单金额进行了综合考量，便于选择更适宜的信贷付款方式进行支付，提升了用户体验。
图3示出了根据本发明的一个实施例的终端的框图。如图3所示，所述终端包括通信总线302、输入装置303、输出装置304、存储器305以及处理器301，其中：
所述通信总线302，用于实现所述输入装置303、输出装置304、存储器305以及处理器301之间的连接通信；
所述输入装置303，用于接收付款请求；
所述输出装置304，用于使用属性信息符合预定条件的信贷付款方式进行付款；
所述存储器305中存储一组程序代码，且所述终端调用所述存储器305中存储的程序代码，用于执行以下操作：
在所述输入装置303接收到付款请求时，所述处理器301计算多种已关联信贷付款方式的属性信息；
所述输出装置304使用所述多种已关联信贷付款方式中的所述属性信息符合预定条件的信贷付款方式进行付款。
可选的，所述属性信息包括以下至少之一或组合：当前免息日、未出账单金额、还款利率、付款方式好评率、自动还款绑定情况。
可选的，当所述属性信息为所述当前免息日时，所述预定条件为所述当前免息日最长，则所述处理器301计算多种已关联信贷付款方式的属性信息，具体包括：
所述处理器301获取所述多种已关联信贷付款方式中的每种信贷付款方式的还款日；
所述处理器301根据当前日期和所述每种信贷付款方式的还款日，计算所述每种信贷付款方式的当前免息日；以及
在所述处理器301计算多种已关联信贷付款方式的属性信息之前，还包括：
所述处理器301存储所述多种已关联信贷付款方式中的所述每种信贷付款方式的还款日。
可选的，当所述属性信息为所述未出账单金额时，所述预定条件为所述未出账单金额低于预定金额，则在所述输出装置304使用所述多种已关联信贷付款方式中的所述属性信息符合预定条件的信贷付款方式进行付款之前，还包括：
所述处理器301获取所述多种已关联信贷付款方式的未出账单金额；
所述处理器301确定所述未出账单金额低于所述预定金额的至少一种信贷付款方式，以供在所述至少一种信贷付款方式中选择用于付款的目标信贷付款方式。
可选的，所述输出装置304使用所述多种已关联信贷付款方式中的所述当前免息日属性信息最长符合预定条件的信贷付款方式进行付款，包括：
所述处理器301确定所述当前免息日大于或等于预定时间的至少一种待选信贷付款方式；
所述输出装置304在所述至少一种待选信贷付款方式中选择所述未出账单金额最低的信贷付款方式进行付款。
图4示出了根据本发明的一个实施例的信用卡付款方法的流程图。
如图4所示，根据本发明的另一个实施例的信用卡付款方法，包括：
步骤402，录入每张信用卡的账单日和还款日。其中，每次为手机端关联新的银行卡时，即可直接录入该银行卡的账单日和还款日，或直接根据该银行卡的信息在网络进行查询，以自动获取该银行卡的账单日和还款日，从而可以把该银行卡的账单日和还款日存储起来，以备调用。
步骤404，接收到网上购物付款的请求。
步骤406，根据当前日期和每张信用卡的账单日、还款日，计算出每张信用卡的当前免息日，并选出当前免息日最长的信用卡。
比如，用户的手机关联有信用卡A和信用卡B，信用卡A的账单日是每月6日，还款日是每月24日，信用卡B账单日是每月10日，还款日是每月28日，当在1月1日在手机上使用信用卡付款时，信用卡A当前的免息日为23天，信用卡B当前的免息日为27天，故手机可以直接选定还款日较迟也就是当前免息日较长的信用卡B进行付款。
步骤408，显示当前免息日最长的目标信用卡的信息，使用该卡付款，或提示用户是否使用该卡付款。
通过本发明的技术方案，在手机端对信用卡的账单日和还款日进行管理，当用户在进行网上购物支付时，可以直接为用户选择当前免息日最长的一张信用卡，便于用户更有效地管理自身的资金。
以上结合附图详细说明了本发明的技术方案，通过本发明的技术方案，使用户能够最大限度地享受银行免息等服务，提升了用户的透支付款使用体验。
以上所述仅为本发明的优选实施例而已，并不用于限制本发明，对于本领域的技术人员来说，本发明可以有各种更改和变化。凡在本发明的精神和原则之内，所作的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。
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- 一种基于信贷付款方式的付款方法，其特征在于，包括：在接收到付款请求时，计算多种已关联信贷付款方式的属性信息；使用所述多种已关联信贷付款方式中的所述属性信息符合预定条件的信贷付款方式进行付款。
- 根据权利要求1所述的基于信贷付款方式的付款方法，其特征在于，所述属性信息包括以下至少之一或组合：当前免息日、未出账单金额、还款利率、付款方式好评率、自动还款绑定情况。
- 根据权利要求2所述的基于信贷付款方式的付款方法，其特征在于，当所述属性信息为所述当前免息日时，所述预定条件为所述当前免息日最长，则所述计算多种已关联信贷付款方式的属性信息，具体包括：获取所述多种已关联信贷付款方式中的每种信贷付款方式的还款日；根据当前日期和所述每种信贷付款方式的还款日，计算所述每种信贷付款方式的当前免息日；以及在所述计算多种已关联信贷付款方式的属性信息之前，还包括：存储所述多种已关联信贷付款方式中的所述每种信贷付款方式的还款日。
- 根据权利要求2或3所述的基于信贷付款方式的付款方法，其特征在于，当所述属性信息为所述未出账单金额时，所述预定条件为所述未出账单金额低于预定金额，则在所述使用所述多种已关联信贷付款方式中的所述属性信息符合预定条件的信贷付款方式进行付款之前，还包括：获取所述多种已关联信贷付款方式的未出账单金额；确定所述未出账单金额低于所述预定金额的至少一种信贷付款方式，以供在所述至少一种信贷付款方式中选择用于付款的目标信贷付款方式。
- 根据权利要求2所述的基于信贷付款方式的付款方法，其特征在于，所述使用所述多种已关联信贷付款方式中的所述当前免息日属性信息最长符合预定条件的信贷付款方式进行付款，包括：确定所述当前免息日大于或等于预定时间的至少一种待选信贷付款方 式；在所述至少一种待选信贷付款方式中选择所述未出账单金额最低的信贷付款方式进行付款。
- 一种基于信贷付款方式的付款装置，其特征在于，包括：免息日计算单元，在接收到付款请求时，计算多种已关联信贷付款方式的属性信息；信贷付款方式付款单元，使用所述多种已关联信贷付款方式中的所述属性信息符合预定条件的信贷付款方式进行付款。
- 根据权利要求6所述的基于信贷付款方式的付款装置，其特征在于，所述属性信息包括以下至少之一或组合：当前免息日、未出账单金额、还款利率、付款方式好评率、自动还款绑定情况。
- 根据权利要求7所述的基于信贷付款方式的付款装置，其特征在于，当所述属性信息为所述当前免息日时，所述预定条件为所述当前免息日最长，则所述免息日计算单元包括：还款日获取单元，获取所述多种已关联信贷付款方式中的每种信贷付款方式的还款日；所述免息日计算单元具体用于：根据当前日期和所述每种信贷付款方式的还款日，计算所述每种信贷付款方式的当前免息日；以及所述基于信贷付款方式的付款装置还包括：还款日存储单元，在所述计算多种已关联信贷付款方式的属性信息之前，存储所述多种已关联信贷付款方式中的所述每种信贷付款方式的还款日。
- 根据权利要求7或8所述的基于信贷付款方式的付款装置，其特征在于，当所述属性信息为所述未出账单金额时，所述预定条件为所述未出账单金额低于预定金额，则所述基于信贷付款方式的付款装置还包括：未出账单获取单元，在所述信贷付款方式付款单元使用所述属性信息符合预定条件的信贷付款方式进行付款之前，获取所述多种已关联信贷付款方式的未出账单金额；所述信贷付款方式付款单元具体用于：确定所述未出账单金额低于所述预定金额的至少一种信贷付款方式，以供在所述至少一种信贷付款方式中选择用于付款的目标信贷付款方式。
- 根据权利要求7所述的基于信贷付款方式的付款装置，其特征在于，所述信贷付款方式付款单元用于：确定所述当前免息日大于或等于预定时间的至少一种待选信贷付款方式，并在所述至少一种待选信贷付款方式中选择所述未出账单金额最低的信贷付款方式进行付款。
- 一种终端，其特征在于，包括通信总线、输入装置、输出装置、存储器以及处理器，其中：所述通信总线，用于实现所述输入装置、输出装置、存储器以及处理器之间的连接通信；所述输入装置，用于接收付款请求；所述输出装置，用于使用属性信息符合预定条件的信贷付款方式进行付款；所述存储器中存储一组程序代码，且所述终端调用所述存储器中存储的程序代码，用于执行以下操作：在所述输入装置接收到付款请求时，所述处理器计算多种已关联信贷付款方式的属性信息；所述输出装置使用所述多种已关联信贷付款方式中的所述属性信息符合预定条件的信贷付款方式进行付款。
- 根据权利要求11所述的终端，其特征在于，所述属性信息包括以下至少之一或组合：当前免息日、未出账单金额、还款利率、付款方式好评率、自动还款绑定情况。
- 根据权利要求12所述的终端，其特征在于，当所述属性信息为所述当前免息日时，所述预定条件为所述当前免息日最长，则所述处理器计算多种已关联信贷付款方式的属性信息，具体包括：所述处理器获取所述多种已关联信贷付款方式中的每种信贷付款方式的还款日；所述处理器根据当前日期和所述每种信贷付款方式的还款日，计算所述每种信贷付款方式的当前免息日；以及在所述处理器计算多种已关联信贷付款方式的属性信息之前，还包括：所述处理器存储所述多种已关联信贷付款方式中的所述每种信贷付款方式的还款日。
- 根据权利要求12或13所述的终端，其特征在于，当所述属性信息为所述未出账单金额时，所述预定条件为所述未出账单金额低于预定金额，则在所述输出装置使用所述多种已关联信贷付款方式中的所述属性信息符合预定条件的信贷付款方式进行付款之前，还包括：所述处理器获取所述多种已关联信贷付款方式的未出账单金额；所述处理器确定所述未出账单金额低于所述预定金额的至少一种信贷付款方式，以供在所述至少一种信贷付款方式中选择用于付款的目标信贷付款方式。
- 根据权利要求12所述的终端，其特征在于，所述输出装置使用所述多种已关联信贷付款方式中的所述当前免息日属性信息最长符合预定条件的信贷付款方式进行付款，包括：所述处理器确定所述当前免息日大于或等于预定时间的至少一种待选信贷付款方式；所述输出装置在所述至少一种待选信贷付款方式中选择所述未出账单金额最低的信贷付款方式进行付款。
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| CN110609829A (zh) * | 2019-08-15 | 2019-12-24 | 上海新颜人工智能科技有限公司 | 交易数据的清洗还原方法及系统 |
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| CN108711047B (zh) * | 2018-04-09 | 2023-04-18 | 平安科技（深圳）有限公司 | 一种自动还款方法、系统及终端设备 |
| CN109118235A (zh) * | 2018-07-27 | 2019-01-01 | 拉卡拉支付股份有限公司 | 支付方法、装置、电子设备及存储介质 |
| CN109801154A (zh) * | 2018-12-13 | 2019-05-24 | 深圳壹账通智能科技有限公司 | 信贷还款配置方法、装置、设备和存储介质 |
| CN109858959A (zh) * | 2019-01-18 | 2019-06-07 | 深圳壹账通智能科技有限公司 | 信用卡推荐方法、装置、计算机设备及存储介质 |
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