| 摘要 |
<p>A data processing system and method are provided for allocating all expenditures (10), accrued interest (9) attributable to each expenditure, and payments made by respective credit cardholders (11A), to sub-accounts specifically designated by the cardholder. In a preferred embodiment, at the time of each expenditure, the cardholder electronically enters the sub-account to which the expenditure is to be allocated with the use of an electronic device having a keypad and display. The data processing system allocates to each designated sub-account all expenditures specified, as well as all interest charges that accrue as to each designated sub-account to which the interest charges are attributable. The data processing system further allocates payments made by the cardholder to the designated sub-account(s) according to the cardholder's instructions and calculates interest charges allocable to each designated sub-account as adjusted after each payment. The data processing system also tracks and calculates all expenditures and payments on a cumulative basis.</p> |
