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Credit estimation method and system

A credit evaluation and credit degree technology, applied in data processing applications, commerce, instruments, etc., can solve the problem of low accuracy of credit evaluation values, and achieve the effects of reducing risks, improving accuracy, and improving reliability

Inactive Publication Date: 2008-10-29
BEIJING EBRIDGECHINA TECH SERVICE
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AI Technical Summary

Problems solved by technology

[0009] The technical problem to be solved by the present invention is to provide a credit evaluation method and system to solve the problem that the accuracy of the credit evaluation value obtained through manual scoring is not high at present

Method used

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  • Credit estimation method and system
  • Credit estimation method and system

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Embodiment Construction

[0050] In order to make the above objects, features and advantages of the present invention more comprehensible, the present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments.

[0051] The embodiment of the present invention proposes an objective credit evaluation method, which finds out whether the information input by the user is credible by deeply digging the implicit consistency relationship between the user information items, thereby objectively judging the credit degree of the user. Moreover, for different application scenarios, different evaluation models are set to evaluate the user's credit. In different application fields, the information items that can reflect the user's credit are different. Therefore, when establishing different evaluation models, the information items that meet the specific scenarios are selected, and the data input by the user is further calculated and evaluated.

[0052] T...

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Abstract

The invention discloses a credit assessment method and system, thus solving the problem that the accuracy of the credit assessment value obtained by artificial scoring is not high. The method comprises the steps that: input information entries are set, the consistency relation among the information entries is determined; the contents input by a first user according to the information entries are received; whether the contents of the information entries with the consistency relation are consistent or not are verified, thus obtaining the credit value of the input information of the first user; a second user queries the information of the first user; and the query result of the credit value of the input information is output. The assessment method realizes the automatic processing of the whole assessment process, improves the assessment efficiency and can be applied in other credit assessment fields, thus improving the reliability of the network behaviors in various network applications and reducing the risks of network users. The credit assessment method processes the credit assessment quantitatively and reflects the credit of the user more truly and accurately by analyzing the quantitative values of the long-term data of the user.

Description

technical field [0001] The invention relates to the field of data evaluation, in particular to a credit evaluation method and system. Background technique [0002] With the development of network technology, various network applications are becoming more and more abundant, such as e-commerce, e-government, online games, online shopping, chatting and so on. However, due to the virtual nature of the Internet, there is no reliable credit guarantee for various behaviors in the network, so fraud, deception and other behaviors continue to occur. Therefore, how to establish a credit evaluation mechanism to make Internet behaviors more credible, so that the majority of Internet users can minimize risks and increase credibility in normal network behaviors, is an urgent problem to be solved to improve network application security. [0003] In electronic transactions, a credit evaluation system is generally used. After completing a transaction, both parties to the transaction score ea...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/00
Inventor 李安渝
Owner BEIJING EBRIDGECHINA TECH SERVICE
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