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Method for credit scoring method of electronic trade

A technology of credit scoring and electronic transactions, which is applied in the direction of sales/lease transactions, calculations, and data processing applications. Large gap, the effect of purifying the credit environment

Inactive Publication Date: 2007-09-19
TENCENT TECH (SHENZHEN) CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0008] Therefore, this scheme places certain restrictions on the scoring of credit evaluations for the historical transaction information of both parties to the transaction and the transaction information of the same commodity.
And because only the number of transactions is considered, but the transaction amount is not considered, it is easy to cause credit imbalance between different transaction types
At the same time, there is no separation of credit between buyers and sellers, resulting in the inability to truly reflect the credit status of different behaviors of buying and selling

Method used

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  • Method for credit scoring method of electronic trade
  • Method for credit scoring method of electronic trade
  • Method for credit scoring method of electronic trade

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Embodiment Construction

[0034] The purpose of the invention of this application is to better calculate the credit status of both parties in the buying and selling behaviors, and propose a solution that combines the following three technologies:

[0035] The first is to realize the complete separation of buyers and sellers’ credit. Use the buyer to record the user's credit status as a buyer, and the seller's credit to record the user's credit status as a seller;

[0036] The second type, according to the specific information of this transaction, this evaluation has different weights. For example, for transactions with high transaction prices, the relevant credit evaluation should also have a higher weight; for transactions with high transaction credibility (such as through payment Transactions paid by intermediaries) have a higher weight.

[0037] The third type, according to the historical transaction information, the points of this evaluation will be adjusted. For example, within a period of time ...

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Abstract

The invention relates to an electronic transaction credit scoring method, which is applied to the credit evaluation in the buying and saling behavior in the electronic business system, when the first user is to evaluate the second user, the following steps will executed: S1: judging the first user is a buyer or a saler; S2: if the first user is the buyer, then the geneated credit accumulated scores will be updated to the saler credit recording library according to a predetermined credit counting method, if the first user is the saler, then the geneated credit accumulated scores will be updated to the buyer credit recording library according to a predetermined credit counting method. The invention can calculate the credit conditions of the transaction parts in the buying and saling behaviors in a better manner.

Description

technical field [0001] The invention relates to the field of electronic commerce, and more specifically, relates to a credit scoring method for electronic transactions. Background technique [0002] Most e-commerce websites have established a relatively complete credit evaluation system, creating a trustworthy environment for users. The buyers and sellers of online transactions can establish their own online credit files through e-commerce, and the buyers and sellers participating in the transaction will evaluate each other on the transaction after the successful transaction on the Internet. The higher the credit degree (that is, the credit score), the better the credit degree of the seller / buyer, which greatly reduces the risk of online transactions. [0003] For the above-mentioned credit scoring scheme, this method is generally adopted: one party to the transaction evaluates the other party, and if a good review is made, the other party’s credit (or credit score) will be...

Claims

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Application Information

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IPC IPC(8): G06Q30/00G06Q30/06
Inventor 赵冬许洁张亮
Owner TENCENT TECH (SHENZHEN) CO LTD
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