Intelligent limit return method based on computer

The invention discloses an intelligent limit return method based on a computer. The method comprises steps of obtaining a first object set and a second object set corresponding to a pre-designated subscriber, wherein the first object set has a first growth rate, a first increase period and a first return period, and the second object set has a second growth rate, a second increase period and a second return period; periodically inquiring an account corresponding to the first object set to obtain a first increase limit; periodically inquiring an account corresponding to the second object set to obtain a second increase limit; calculating a total increase limit according to the first increase limit the second increase limit; and calculating a user return limit based on the total increase limit, and counting the user return limit in the account of the pre-designated subscriber. The intelligent limit return method based on the computer matches income generated by each object set with a user, and returns income into the account of the user.