PROMPTING METHOD BASED ON CREDIT CARD BONUS POINT MATCHING AND SMART PROMPTING SYSTEM

摘要

A prompting method based on credit card bonus point matching and a smart prompting system. The method comprises: recording the current credit card bonus point information of a user and set credit card bonus point information (S101); determining whether the current credit card bonus points are higher than the set credit card bonus points (S103); if not, determining that the bonus points of the user are not enough for gift redemption or purchasing, and not sending information for prompting the user to perform bonus point redemption, such as purchasing (S104); and if yes, sending the information for prompting the user to perform bonus point redemption, such as purchasing (S105). By matching current credit card bonus point information of a user and set credit card bonus point information, the system is able to find out, in a timely manner, whether the credit card bonus points of the user are enough for redemption activities, such as purchasing, thereby stimulating consumption, and improving the utilization efficiency of credit cards and increasing credit card earnings of banking and financial institutions while fueling economic growth.