Smart credit card payment system, App development, but also on behalf of intelligent systems development reports,... [Left manager: 188-2741-4714 micro / Xinhua, smart credit card payment systems platform development, smart credit card payment system software development credit. smart card payment system pattern development company.
A credit. Smart card repayment APP principle of what is it?
Mentioned above are common, also on behalf of the traditional model, and now the new generation also is circulating repayment. We already know, also go out to paint, even if repayment. So if the bill is 10,000, and let's also go in 1000, then painted out, to complete the 1000 payments, then repeat, but also in, painted out, so after 10 times paid off. This is the so-called cycle of repayment, is also smart APP principle.
Second, the credit. Smart card repayment APP, to do this work?
The first cycle is automatically achieved by APP, you only need to set the schedule, so from the operational level is possible. Secondly, these cycles are not completed in a day, but scattered to several days, also did a risk-averse, fully simulate the life of the consumer, it is also safe and reliable. After doing so cost is not very high it will be? Overall, 10,000 completed all payments, charges about 85 yuan, so the cost is also more cost effective, this treatment you will not have any interest.
Third, intelligent payment system development process:
Intelligent repayment pipe system advantages and characteristics: safe, convenient, efficient, saving.
1, set up a repayment plan, the entire process is performed automatically, pos machines can say goodbye, no manual daily deposit into the brush
2, no pressure, 5-10% of the funds available to repay in full! 10000 cost only 65! XYK not limit the number and amount
3, not afraid to freeze bank card, risk, spend more per month per XYK 40 pen, small multi-pen, business diversification + J Yang
4, non-competitive market alone this one, the national development agency can, without geographical restrictions. The price of national unity, no vicious competition
5, profit margins and profit-sharing space, a huge stock of XYK country, there is demand there is card
6, safe and reliable fast and efficient, roost Pratt & Whitney!
7, sub-agents run their own background withdraw cash, do not worry about the collapse of the house on foot, humane, systematic, data of the agency distribution model
8, profit model description: profit-rebate transaction flow, making the difference machine hardware, platform construction costs, operation and maintenance costs on behalf of the platform, the platform in the coming year renewals
Fourth, the credit card payment process:
1. repayment in full
Sunrise over the bill after bill, the bill will be a one-time amount also go - this is excellent repayment, need substantial sums of money. For example, the current bill is 50,000, 50,000 of funding is required.
2. amortization
Sunrise bill after bill, the bill would make the current amortization, 3-6-9-12-18-24 period ranging generally can be divided into - this is a relatively simple and less stressful way of repayment repayment is required take some installment fee. Analysis of each bank charges vary, but generally are about 0.7% -0.8%, and each issue needs to be undertaken, (such as 10,000 yuan points 12, fee rate was 0.72%, for a total commitment of fee is 0.72% * 10000 * 12 = 864 yuan)
3. The lower payments
When the bill in each bank will give us a lower repayment amount "generally 10% of the total amount of" It is not cost-effective way of repayment, they need to pay high interest. Low repayment just can not guarantee that our overdue credit record, but to pay interest on the full amount of the bill. And if the bill contains the current take. Now section, it takes now to enjoy the lower part is not repayment. For example, your bill this month, 10,000 yuan, which the ATM machine to take now to 5,000 yuan, the current low payments then you spend $ 5,000 to take 10% of the present consumption portion of partially +5000 yuan = 5500 yuan.
Acting as agent rebate is steady and not make money, he is a relatively fast return to profitability this way. Good distribution not more than three, or is a pyramid scheme is illegal. Suppose to be a proxy of cost is 20,000, so long as the agent will be able to recruit a few to earn back the cost of the system. What good is it to become a proxy, it is the user that you use on behalf of the development also features on the platform, you will have a platform to run your points, if your user name is also upgraded to become agents, you will also be able to get profit-sharing. Of course, this one agent can have a variety of play, this is a relatively simple, play good, middle of the profits will be very large.