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

Invention called Sciac is, losing the payment terms of credit and deposits, respectively, at different periods of time, is carried out for any amount, may be agreed at a variable interest rate fixed or different, a credit transaction and deposits belonging to the same payment plan It is a method and system for operating a payment card and financial means to integrate new single account without. The Sciac card as a financial means, can be used in the practice of the credit and financial transactions deposits long-term, short-term and medium-term, it can be used as a payment card in order to purchase and sell value of any kind at the same time. It is operated through the service center and financial institutions by a computer system to manage the transactions with financial institutions and Sciac cardholder together, and to maintain the account balance, Sciac card determines the installment payments for deposits and liabilities , manage the available collateral and credit limit, to manage the payment services and other financial.