Debt repayment system and debt management method

A debt repayment system and a debt management method are provided. In the method, a transaction via a purchase carrier is received, and a purchase amount is obtained. The purchase carrier includes a physical or virtual card for pay. Repayment plans for first and second stages are determined according to a total debt and the purchase amount. A first repayment in the repayment plan of the first stage relates to interest repayment without principal for the total debt, and a second repayment in the repayment plan of the second stage relates to interest repayment with principal for the total debt.A repayment transferred from a repay account is determined according to a debt ratio of each credit bank. The repay account is used for saving the first or second repayment and a rebate of the purchase amount. Accordingly, the debt is easier to be managed. 本发明提供一种债务清偿系统及债务管理方法。在此方法中，接收通过消费载具所进行的交易，并取得交易的消费金额。消费载具包括用于支付的实体卡或虚拟卡。依据债务总额及交易的消费金额决定第一阶段及第二阶段的偿还计划。第一阶段的偿还计划中的第一偿还金额相关于对债务总额还息不还本，且第二阶段的偿还计划中的第二偿还金额相关于对债务总额进行本利摊还。依