阅读说明：本技术 贷记卡多个周期内超额消费的计算方法 (Method for calculating excessive consumption of credit card in multiple periods ) 是由 张文韬 于 2021-06-29 设计创作，主要内容包括：本发明涉及一种贷记卡多个周期内超额消费的计算方法,包括以下步骤：比较本期最大固额和往期最大固额,选择两者中较大值作为参照固额；判断消费总额是否大于参照固额；若是,计算本期实际超额消费,计算公式为：a-b＝c,c-min(d,e)＝f；其中,a为消费总额,b为参照固额,c为本期超额消费,min(d,e)为超额消费减免金额,f为本期实际超额消费；本期实际超额消费按100％计入最低还款额,消费总额减去本期实际超额消费得到非超额消费；若否,则消费总额全部属于非超额消费。本发明通过选择多个交易周期的固额作参照,用来与消费总额进行比较,从而得到本期实际超额消费,既保证了计算结果的准确性,又便于向持卡人解释计算规则。(The invention relates to a method for calculating excess consumption of a credit card in a plurality of periods, which comprises the following steps: comparing the maximum fixed amount of the current period with the maximum fixed amount of the previous period, and selecting the larger value of the two as a reference fixed amount; judging whether the total consumption amount is larger than a reference fixed amount; if yes, calculating actual excess consumption of the current period, wherein the calculation formula is as follows: a-b ═ c, c-min (d, e) ═ f; wherein, a is total consumption, b is reference fixed amount, c is excess consumption of the current period, min (d, e) is excess consumption deduction amount, and f is actual excess consumption of the current period; the actual excess consumption of the current period accounts for the lowest payment amount according to 100 percent, and the actual excess consumption of the current period is subtracted from the total consumption amount to obtain non-excess consumption; if not, the total consumption amount is not excessive consumption. The invention selects the fixed amount of a plurality of transaction periods as reference to compare with the total consumption amount, thereby obtaining the actual excess consumption of the current period, not only ensuring the accuracy of the calculation result, but also being convenient for explaining the calculation rule to the card holder.)

1. A method for calculating excess consumption of a credit card over a plurality of cycles, comprising the steps of:

comparing the maximum fixed amount of the current period with the maximum fixed amount of the previous period, and selecting the larger value of the maximum fixed amount of the current period and the maximum fixed amount of the previous period as a reference fixed amount, wherein the maximum fixed amount of the current period is the maximum fixed amount of the account in the bill period, and the maximum fixed amount of the previous period is the maximum fixed amount of the account before the bill period;

judging whether the total consumption amount is larger than a reference fixed amount;

if yes, calculating actual excess consumption of the current period, wherein the calculation formula is as follows: a-b ═ c, c-min (d, e) ═ f; wherein, a is total consumption, b is reference fixed amount, c is current-stage excess consumption, d is previous-stage excess consumption, e is remaining amount of previous-stage consumption, min (d, e) is excess consumption deduction amount, and f is current-stage actual excess consumption; the actual excess consumption of the current period accounts for the lowest payment amount according to 100 percent, and the actual excess consumption of the current period is subtracted from the total consumption amount to obtain non-excess consumption;

if not, the total consumption amount is not excessive consumption;

non-excess consumption is scaled to the lowest payoff amount.

2. The method of calculating excess consumption of a credit card over a plurality of cycles of claim 1,

and updating the current maximum fixed amount in real time according to system updating.

3. The method of claim 1, wherein the step of calculating the minimum payoff amount comprises the steps of: updating the maximum fixed amount of the current period.

4. A method of calculating the excess consumption of a credit card over a plurality of cycles as claimed in claim 3, wherein the step of updating the maximum fixed amount of the current period is as follows:

judging whether the current-period excess consumption is larger than 0, wherein the current-period excess consumption is calculated in the following mode: c is a-b, wherein c is excess consumption of the current period, a is total consumption, and b is reference fixed amount;

if the excess consumption of the current period is more than 0, continuously judging whether the maximum fixed amount of the current period is more than the maximum fixed amount of the previous period, if so, assigning the maximum fixed amount of the current period to the maximum fixed amount of the previous period, and increasing the maximum fixed amount of the previous period; if not, the maximum fixed amount of the current period is unchanged;

if the excessive consumption of the current period is less than or equal to 0, continuously judging whether the total consumption amount is greater than the current day fixed amount of the bill day, if so, assigning the current maximum fixed amount to the current maximum fixed amount, and increasing or decreasing the current maximum fixed amount; and if not, clearing the maximum fixed amount of the current period.

5. A method of calculating the amount of excess charge consumed by a credit card over a plurality of cycles as claimed in claim 1, wherein the non-excess charge is calculated as a percentage of the minimum payoff amount, wherein the percentage is either 5% or 10%.

6. The method of calculating excess consumption of a credit card over a plurality of cycles of claim 5,

when the total consumption amount is larger than the reference fixed amount, the actual excess consumption of the current period is counted into a first lowest payment amount according to 100 percent, the non-excess consumption is counted into a second lowest payment amount according to a proportion, and the first lowest payment amount and the second lowest payment amount are added to obtain a total lowest payment amount;

and when the total consumption amount is less than or equal to the reference fixed amount, the total consumption amount is not excessive consumption, and the non-excessive consumption is counted into the lowest payoff amount according to the proportion, namely the total lowest payoff amount.

7. A method as recited in claim 1, wherein said total consumption is based on billing day statistics.

Technical Field

The invention relates to the technical field of credit card data processing, in particular to a calculation method for excess consumption of a credit card in multiple periods.

Background

The China Provisioning of silver insurance is emphasized in Notification about further strengthening the management and control of risk of credit card businesses: the temporary credit limit (temporary amount, the same applies hereinafter) used by the cardholder should be counted into the lowest payment amount according to the specified total amount. Current cardholder use of a temporary transaction scenario includes consumption, cash withdrawal and staging. Wherein, cash withdrawal and staging transactions are generally counted in full with the lowest payoff amount due to the higher risk of overdue. Whereas consumer transactions are usually partially credited with a minimum payoff amount (5% or 10%) due to a lower risk of overdue. Therefore, in a temporary transaction scene, the current collection and the staging of the cardholder meet the supervision requirements, and only the consumption is not met, so that the cardholder needs to be modified.

How to judge whether consumption uses the temporary amount is different among banks, and two common ways exist: 1) judging the transaction by transaction, and regarding the part of the consumption transaction amount exceeding the current available fixed credit line (fixed amount for short, the same below) as a use temporary amount; 2) and (4) summarizing transaction judgment, wherein the part of the total amount of the consumption transaction, which exceeds the daily fixed amount of the bill, is regarded as the use temporary amount. The two ways have advantages respectively: the data on which the method is based is high in real-time performance, fine in granularity and more accurate in judgment result; the judging process of the latter is clear and transparent, and is convenient to explain to the card holder. However, the advantages of both parties are just the disadvantages of the other party, the rule of the former is too complicated, the uncertainty is large, and the cost for explaining to the card holder is too high; the latter only selects the fixed amount of the day of the bill as a reference, does not consider the scene of the adjustment of the amount of the bill out of the day, and has large error between the judgment result and the actual situation.

Therefore, there is a need to provide a method for calculating the excessive consumption of a credit card in multiple cycles, which not only ensures the accuracy of the calculation result, but also facilitates the interpretation of the calculation rule to the card holder.

Disclosure of Invention

The invention aims to provide a method for calculating excessive consumption of a credit card in multiple periods, which not only ensures the accuracy of a calculation result, but also is convenient for explaining a calculation rule to a card holder.

In order to achieve the above object, the present invention provides a method for calculating excess consumption of a credit card in a plurality of cycles, comprising the steps of:

comparing the maximum fixed amount of the current period with the maximum fixed amount of the previous period, and selecting the larger value of the maximum fixed amount of the current period and the maximum fixed amount of the previous period as a reference fixed amount, wherein the maximum fixed amount of the current period is the maximum fixed amount of the account in the bill period, and the maximum fixed amount of the previous period is the maximum fixed amount of the account before the bill period;

judging whether the total consumption amount is larger than a reference fixed amount;

if yes, calculating actual excess consumption of the current period, wherein the calculation formula is as follows: a-b ═ c, c-min (d, e) ═ f; wherein, a is total consumption, b is reference fixed amount, c is current-stage excess consumption, d is previous-stage excess consumption, e is remaining amount of previous-stage consumption, min (d, e) is excess consumption deduction amount, and f is current-stage actual excess consumption; the actual excess consumption of the current period accounts for the lowest payment amount according to 100 percent, and the actual excess consumption of the current period is subtracted from the total consumption amount to obtain non-excess consumption;

if not, the total consumption amount is not excessive consumption;

non-excess consumption is scaled to the lowest payoff amount.

Optionally, in the method for calculating the excess consumption of the credit card in a plurality of periods,

and updating the current maximum fixed amount in real time according to system updating.

Optionally, in the method for calculating the excessive consumption of the credit card in multiple periods, after the lowest payment amount is calculated, the method further includes the following steps: updating the maximum fixed amount of the current period.

Optionally, in the method for calculating the excess consumption of the credit card in a plurality of cycles, the step of updating the maximum fixed amount of the current period includes the following steps:

judging whether the current-period excess consumption is larger than 0, wherein the current-period excess consumption is calculated in the following mode: c is a-b, wherein c is excess consumption of the current period, a is total consumption, and b is reference fixed amount;

if the excess consumption of the current period is more than 0, continuously judging whether the maximum fixed amount of the current period is more than the maximum fixed amount of the previous period, if so, assigning the maximum fixed amount of the current period to the maximum fixed amount of the previous period, and increasing the maximum fixed amount of the previous period; if not, the maximum fixed amount of the current period is unchanged;

if the excessive consumption of the current period is less than or equal to 0, continuously judging whether the total consumption amount is greater than the current day fixed amount of the bill day, if so, assigning the current maximum fixed amount to the current maximum fixed amount, and increasing or decreasing the current maximum fixed amount; and if not, clearing the maximum fixed amount of the current period.

Optionally, in the method for calculating the excess consumption of the credit card in a plurality of cycles, the non-excess consumption is counted into the lowest payment amount according to a proportion, wherein the proportion is 5% or 10%.

Optionally, in the method for calculating the excess consumption of the credit card in a plurality of periods,

when the total consumption amount is larger than the reference fixed amount, the actual excess consumption of the current period is counted into a first lowest payment amount according to 100 percent, the non-excess consumption is counted into a second lowest payment amount according to a proportion, and the first lowest payment amount and the second lowest payment amount are added to obtain a total lowest payment amount;

and when the total consumption amount is less than or equal to the reference fixed amount, the total consumption amount is not excessive consumption, and the non-excessive consumption is counted into the lowest payoff amount according to the proportion, namely the total lowest payoff amount.

Optionally, in the calculation method of the excessive consumption of the credit card in a plurality of periods, the total consumption is obtained by counting the bill days.

In the method for calculating the excess consumption of the credit card in multiple periods, the fixed amount of multiple transaction periods is selected as a reference to be compared with the total consumption amount, all the fixed amounts are adjusted according to whether the excess consumption in the past period is paid or not, the actual excess consumption and the non-excess consumption in the current period are finally obtained, and the lowest payment amount is respectively calculated according to the full amount and partial proportion modes, so that the accuracy of the calculation result is ensured, and the calculation rule can be conveniently explained for a card holder.

Drawings

FIG. 1 is a flow chart of calculating actual excess consumption for the current period according to an embodiment of the present invention;

FIG. 2 is a flow chart of calculating a minimum payoff amount according to an embodiment of the present invention;

fig. 3 is a flowchart of updating the current maximum quota according to an embodiment of the present invention.

Detailed Description

The following describes in more detail embodiments of the present invention with reference to the schematic drawings. The advantages and features of the present invention will become more apparent from the following description. It is to be noted that the drawings are in a very simplified form and are not to precise scale, which is merely for the purpose of facilitating and distinctly claiming the embodiments of the present invention.

If the method described herein comprises a series of steps, the order in which these steps are presented herein is not necessarily the only order in which these steps may be performed, and some of the described steps may be omitted and/or some other steps not described herein may be added to the method.

The existing method for judging whether consumption is used temporarily has the following defects: 1) the judgment rule is too complex, the uncertainty is large, and the interpretation cost to the card holder is too high; 2) only the fixed amount of the day of the bill is selected as a reference, the scene of the adjustment of the amount of the bill out of the day is not considered, and the error between the judgment result and the actual situation is too large.

Since the cardholder's consumption transaction may occur during and before the billing period. When the total consumption is viewed as a whole, the ratio of the two is not well distinguished. Therefore, as long as the total consumption amount is smaller than the maximum fixed amount of the current period and the maximum fixed amount of the previous period (namely, the reference fixed amount), the excessive consumption of the current period does not exist. Similarly, the part of the total consumption amount exceeding the reference fixed amount is the current excess consumption. But this is not the actual over-consumption of the current time, as there is also a case to consider. For example: the total consumption amount of the card holder in the first bill is twenty thousand, the reference fixed amount is ten thousand, and the excess consumption amount of the first bill is ten thousand. By the second bill, the cardholder does not pay, the total consumption amount is still twenty thousand (not considering interest, default money and the like), the reference fixed amount is still ten thousand, and the excess consumption amount is still ten thousand. This is equivalent to ten thousand over-consumption in which the lowest payoff amount is repeatedly and totally accounted for in the two-phase bill, and two thousand lowest payoff amounts generated by ten thousand consumption do not meet the regulatory regulation. So when calculating the actual excess consumption of the second bill, the up-term excess consumption must be deducted from the current excess consumption: actual excess consumption (0) in the current period is excess consumption (1W) in the current period, and excess consumption (1W) in the previous period. However, there are other problems in this calculation, and again using the above example, if the customer clears the last twenty thousand consumptions before the second bill and consumes twenty thousand again, the actual excess consumption is 0 according to the above formula, which goes against the original purpose of the bank. The client is actually paid off the excess consumption in the current period, the excess consumption in the current period is newly increased, and the lowest payment amount should be fully counted. The formula is modified to: actual excess consumption (1W) in this period is excess consumption (1W) in this period-min (excess consumption 1W in the last period, and the remaining amount of the excess consumption in the last period is 0).

Since the remaining amount of the up-consumption includes the over-consumption and the non-over-consumption, the remaining amount of the up-consumption reflects the actual remaining up-consumption. If the amount of the current excess consumption is cleared, the current excess consumption is considered to be newly added, which indicates that the current excess consumption is cleared.

Based on the above analysis, the present invention provides a method for calculating excess consumption of a credit card in multiple cycles, as shown in fig. 1 and 2, fig. 1 is a flowchart for calculating actual excess consumption of the current period provided by the embodiment of the present invention, and fig. 2 is a flowchart for calculating a minimum payoff amount provided by the embodiment of the present invention, where the method includes the following steps:

comparing the maximum fixed amount of the current period with the maximum fixed amount of the previous period, and selecting the larger value of the maximum fixed amount of the current period and the maximum fixed amount of the previous period as a reference fixed amount, wherein the maximum fixed amount of the current period is the maximum fixed amount of the account in the bill period, and the maximum fixed amount of the previous period is the maximum fixed amount of the account before the bill period;

judging whether the total consumption amount is larger than a reference fixed amount or not, wherein the total consumption amount is obtained by counting on a bill day;

if yes, calculating actual excess consumption of the current period, wherein the calculation formula is as follows: a-b ═ c, c-min (d, e) ═ f; wherein, a is total consumption, b is reference fixed amount, c is current-stage excess consumption, d is previous-stage excess consumption, e is remaining amount of previous-stage consumption, min (d, e) is excess consumption deduction amount, and f is current-stage actual excess consumption; the actual excess consumption of the current period accounts for the lowest payment amount according to 100 percent, and the actual excess consumption of the current period is subtracted from the total consumption amount to obtain non-excess consumption;

if not, the total consumption amount is not excessive consumption;

non-excess consumption is scaled to the lowest payoff amount.

Further, the non-excess consumption is proportionately counted to the lowest payoff amount, wherein the proportion is 5% or 10%. With continued reference to fig. 2, the lowest payoff amount is calculated as follows: when the total consumption amount is larger than the reference fixed amount, the actual excess consumption of the current period is counted into a first lowest payment amount according to 100 percent, the non-excess consumption is counted into a second lowest payment amount according to a proportion, and the first lowest payment amount and the second lowest payment amount are added to obtain a total lowest payment amount; and when the total consumption amount is less than or equal to the reference fixed amount, the total consumption amount is not excessive consumption, and the non-excessive consumption is counted into the lowest payoff amount according to the proportion, namely the total lowest payoff amount.

Preferably, after the actual excess consumption of the current period is calculated, the maximum fixed amount of the current period and the maximum fixed amount of the previous period need to be updated, and a new calculation period is started.

As shown in fig. 3, fig. 3 is a flowchart of updating the current maximum fixed amount according to the embodiment of the present invention, where the step of updating the current maximum fixed amount is as follows:

judging whether the current-period excess consumption is larger than 0, wherein the current-period excess consumption is calculated in the following mode: c is a-b, wherein c is excess consumption of the current period, a is total consumption, and b is reference fixed amount;

if the excess consumption of the current period is more than 0, continuously judging whether the maximum fixed amount of the current period is more than the maximum fixed amount of the previous period, if so, assigning the maximum fixed amount of the current period to the maximum fixed amount of the previous period, and increasing the maximum fixed amount of the previous period; if not, the maximum fixed amount of the current period is unchanged;

if the excessive consumption of the current period is less than or equal to 0, continuously judging whether the total consumption amount is greater than the current day fixed amount of the bill day, if so, assigning the current maximum fixed amount to the current maximum fixed amount, and increasing or decreasing the current maximum fixed amount; and if not, clearing the maximum fixed amount of the current period.

The method aims to furthest keep the relationship between current consumption and the maximum fixed amount of the current period, avoid the situation that the current non-excess consumption is judged as excess consumption in the future, and simultaneously update the maximum fixed amount of the current period at any time so as to meet the supervision requirements of banks.

Still further, the present invention updates the current maximum fixed amount in real time according to system update after updating the current maximum fixed amount, and usually, the current maximum fixed amount is assigned as the current fixed amount on the billing day, because the fixed amount on the first day starts in the next billing period.

In summary, in the method for calculating the excess consumption of the credit card in multiple periods provided by the invention, the fixed amount of the multiple transaction periods is selected as a reference to be compared with the total consumption amount, and all the fixed amounts are adjusted according to whether the excess consumption in the past period is paid or not, so that the actual excess consumption and non-excess consumption in the current period are finally obtained, and the lowest payment amount is respectively calculated according to the full amount and partial proportion modes, thereby not only ensuring the accuracy of the calculation result, but also facilitating the explanation of the calculation rule to the card holder.

The above description is only a preferred embodiment of the present invention, and does not limit the present invention in any way. It will be understood by those skilled in the art that various changes, substitutions and alterations can be made herein without departing from the spirit and scope of the invention as defined by the appended claims.