Debt repayment system and debt management method

摘要

Debt repayment systems and debt management methods are provided. In the above method, a transaction through a purchase carrier is received, and a purchase amount is obtained. The purchase carrier includes a physical or virtual card for payment. The repayment plans for the first and second phases are determined according to the purchase amount and total debt. The first repayment in the repayment plan of the first stage is related to the repayment of interest without principal on the total debt, and the second repayment in the repayment plan of the second stage is the repayment of interest with the principal on the total debt. Has to do with The repayment amount transferred from the repayment account is determined by the debt ratio of each credit bank. The redemption account is used to store the first or second redemption and the refund of the purchase amount. So, it's easier to manage your debts.