| 摘要 |
This invention called Sciac~ is a method and system for operating a new financial instrument and payment card, which integrates savings and credit transactions belonging to the same payment plan into a single account, which can be carried out at different periods in time, for any amount, agreed on with different fixed or adjustable interest rates, without losing the paymen t conditions of each savings and credit. The Sciac card as a financial instrument can be used to carry out long, medium and short-term savings and credit financial transactions and simultaneously as a payment card to buy an d sell any kind of value. The Sciac card is operated through financial institutions and service centers by a computer system, which manages transactions between Sciac cardholders themselves and with financial institutions, maintains account balances, determines installments for debt a nd savings balances, manages available credit limits and guarantees, and manage s other financial and payment services.
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