Debt repayment system and debt management method

A debt repayment system and a debt management method are provided. In the method, deal via purchase carrier is received, and a purchase amount is obtained. The purchase carrier includes a physical or virtual card for pay. Repayment plans for the first and second stages are determined according to th...

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Bibliographische Detailangaben
1. Verfasser:	HSU, CHIA-YEH
Format:	Patent
Sprache:	chi ; eng
Schlagworte:	CALCULATING COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES PHYSICS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:	A debt repayment system and a debt management method are provided. In the method, deal via purchase carrier is received, and a purchase amount is obtained. The purchase carrier includes a physical or virtual card for pay. Repayment plans for the first and second stages are determined according to the debt amount and purchase amount. The repayment plan for the first stage relates to interest repayment without principal. The repayment plan for the second stage relates to interest repayment with principal. The repayment transferred from a repay account is determined according to debt ratio of each credit band. The repay account is used for saving the first or second repayment and rebates from purchase amount. Accordingly, the debt is easier to be managed.