DEBT REPAYMENT SYSTEM AND DEBT MANAGEMENT METHOD

摘要

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.