Method and system for integrating credit and deposit interest rates have a different card for payment and financial means for a novel called Sciac

摘要

PROBLEM TO BE SOLVED: To provide a method and a system for operating a financial instrument and a payment card, which integrate savings and credit transactions belonging to the same payment plan into a single account, that can be carried out at different periods in time, for any amount, agreed on with different fixed or adjustable interest rates, without losing payment conditions of each savings and credit.;SOLUTION: A Sciac card as the financial instrument can be used in long, medium and short-term savings and credit financial transactions, and can also be used as a payment card to buy and sell any kinds of value at the same time. The Sciac card is operated through financial institutions and service centers by a computer system, manages transactions between Sciac cardholders and with financial institutions, maintains account balances, determines installments for debt and savings balances, manages available credit limits and guarantees, and manages other financial and payment services.;COPYRIGHT: (C)2012,JPO&INPIT