LINKING DATA STRUCTURES FOR NESTED CAPACITY PLANS
Capacity plans may be linked in a nested hierarchy, with customizable linking configurations controlling how the capacity plans are linked. The linking configurations may control how an available credit of a flexible capacity plan is affected by linked capacity plans lower in the nested hierarchy. Payments may be applied to the linked capacity plans based on customizable payment configurations.
1 . A non-transitory, computer-readable medium storing instructions that, when executed by one or more processors, cause the one or more processors to:
receive input indicating a link configuration describing a hierarchical relationship between a flexible capacity plan and a linked capacity plan;
generate a link data structure to link the flexible capacity plan and the linked capacity plan according to the link configuration;
in response to generating the link data structure, modify an available credit of the flexible capacity plan based on parameters of the linked capacity plan including a balance of the linked capacity plan;
in response to a payment to the flexible capacity plan, identify the linked capacity plan using the link data structure; and
apply the payment to one or more of the flexible capacity plan and the linked capacity plan according to the hierarchical relationship.
2 . The non-transitory, computer-readable medium of claim 1 , wherein the linked capacity plan is a fixed capacity plan having a principal amount and a payoff amount, and wherein the link configuration indicates that the available credit of the flexible capacity plan is to be reduced by the principal amount or the payoff amount of the fixed capacity plan.
3 . The non-transitory, computer-readable medium of claim 1 , wherein the linked capacity plan is a second flexible capacity plan having an available credit, and wherein the link configuration indicates that the available credit of the flexible capacity plan is to be increased by the available credit of the linked second flexible capacity plan.
4 . The non-transitory, computer-readable medium of claim 1 , wherein the instructions cause the one or more processors to generate the linked capacity plan based on a balance of the flexible capacity plan.
5 . The non-transitory, computer-readable medium of claim 4 , wherein the instructions cause the one or more processors to generate the linked capacity plan by:
selecting a portion of the balance of the flexible capacity plan to be a principal of the linked capacity plan;
determining parameters of the linked capacity plan including a term, interest rate, and billing cycle of the linked capacity plan; and
generating the linked capacity plan based on the principal of the linked capacity plan and the parameters of the linked capacity plan.
6 . The non-transitory, computer-readable medium of claim 1 , wherein the instructions cause the one or more processors to generate the linked capacity plan based on an available credit of the flexible capacity plan.
7 . The non-transitory, computer-readable medium of claim 6 , wherein the instructions cause the one or more processors to generate the linked capacity plan by:
selecting a portion of the available credit of the flexible capacity plan to be an available credit of the linked capacity plan;
determining parameters of the linked capacity plan including a term, interest rate, and billing cycle of the linked capacity plan; and
generating the linked capacity plan based on the available credit of the linked capacity plan and the parameters of the linked capacity plan.
8 . The non-transitory, computer-readable medium of claim 1 , wherein the instructions cause the one or more processors to:
receive user input including parameters of a second linked capacity plan and a second link configuration;
generate the second linked capacity plan; and
generate a second link data structure between the flexible capacity plan and the second linked capacity plan according to the second link configuration.
9 . The non-transitory, computer-readable medium of claim 1 , wherein the instructions cause the one or more processors to apply the payment to the one or more of the flexible capacity plan and the linked capacity plan according to the hierarchical relationship by:
determining a type of due amount or payment due date for each of the flexible capacity plan and the linked capacity plan; and
based on the hierarchical relationship and the type of due amount or payment due date, applying the payment to the one or more of the flexible capacity plan and the linked capacity plan to reduce a balance of the one or more of the flexible capacity plan and the linked capacity plan.
10 . The non-transitory, computer-readable medium of claim 1 , wherein the instructions cause the one or more processors to:
receive user input including a payment configuration, and wherein the instructions cause the one or more processors to apply the payment to the one or more of the flexible capacity plan and the linked capacity plan according to the hierarchical relationship and the payment configuration.
11 . A method comprising:
receiving, by one or more processors, input indicating a link configuration describing a hierarchical relationship between a flexible capacity plan and a linked capacity plan;
generating, by the one or more processors, a link data structure to link the flexible capacity plan and the linked capacity plan according to the link configuration;
in response to generating the link data structure, modifying, by the one or more processors, an available credit of the flexible capacity plan based on parameters of the linked capacity plan including a balance of the linked capacity plan;
in response to a payment to the flexible capacity plan, identifying, by the one or more processors, the linked capacity plan using the link data structure; and
applying, by the one or more processors, the payment to one or more of the flexible capacity plan and the linked capacity plan according to the hierarchical relationship.
12 . The method of claim 11 , wherein the linked capacity plan is a fixed capacity plan having a principal amount and a payoff amount, and wherein the link configuration indicates that the available credit of the flexible capacity plan is to be reduced by the principal amount or the payoff amount of the fixed capacity plan.
13 . The method of claim 11 , wherein the linked capacity plan is a second flexible capacity plan having an available credit, and wherein the link configuration indicates that the available credit of the flexible capacity plan is to be increased by the available credit of the linked second flexible capacity plan.
14 . The method of claim 11 , further comprising generating the linked capacity plan based on a balance of the flexible capacity plan.
15 . The method of claim 14 , wherein generating the linked capacity plan includes:
selecting a portion of the balance of the flexible capacity plan to be a principal of the linked capacity plan;
determining parameters of the linked capacity plan including a term, interest rate, and billing cycle of the linked capacity plan; and
generating the linked capacity plan based on the principal of the linked capacity plan and the parameters of the linked capacity plan.
16 . The method of claim 11 , further comprising generating the linked capacity plan based on an available credit of the flexible capacity plan.
17 . The method of claim 16 , wherein generating the linked capacity plan includes:
selecting a portion of the available credit of the flexible capacity plan to be an available credit of the linked capacity plan;
determining parameters of the linked capacity plan including a term, interest rate, and billing cycle of the linked capacity plan; and
generating the linked capacity plan based on the available credit of the linked capacity plan and the parameters of the linked capacity plan.
18 . The method of claim 11 , further comprising:
receiving user input including parameters of a second linked capacity plan and a second link configuration;
generating the second linked capacity plan; and
generating a second link data structure between the flexible capacity plan and the second linked capacity plan according to the second link configuration.
19 . The method of claim 11 , wherein applying the payment to the one or more of the flexible capacity plan and the linked capacity plan according to the hierarchical relationship includes:
determining a type of due amount or payment due date for each of the flexible capacity plan and the linked capacity plan; and
based on the hierarchical relationship and the type of due amount or payment due date, applying the payment to the one or more of the flexible capacity plan and the linked capacity plan to reduce a balance of the one or more of the flexible capacity plan and the linked capacity plan.
20 . The method of claim 11 , further comprising receiving user input including a payment configuration, wherein applying the payment to the one or more of the flexible capacity plan and the linked capacity plan includes applying the payment according to the hierarchical relationship and the payment configuration.