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Merchant value evaluation method

An evaluation method and value technology, applied in the field of merchant value evaluation, can solve the problems of low reliability, high randomness of assignment, reducing the authority and reliability of the value evaluation method, and achieve accurate evaluation, accurate merchant value, and reduce manual intervention. degree of effect

Pending Publication Date: 2017-07-25
CHINA UNIONPAY
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AI Technical Summary

Problems solved by technology

[0004] In some value evaluation methods and systems in the prior art, when determining the index weight, the initial value is assigned manually and subjectively, but this assignment is arbitrary and has a low degree of reliability.
In other words, too much manual intervention will reduce the authority and reliability of the value evaluation method

Method used

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Embodiment Construction

[0017] Such as figure 1 As shown, an embodiment of the present invention provides a merchant value evaluation method, which includes the following steps.

[0018] Step S10, determining at least one statistical index of merchant value.

[0019] Specifically, select indicators that can reflect the merchant's value, such as transaction volume, profitability, user evaluation times, user evaluation value, and the like. Secondly, the evaluation indicators are divided into several different parts, and gradually subdivided to build a hierarchical structure, and the indicators reflecting similar properties are classified into the same part, which avoids the problem that some indicators with different properties are not comparable.

[0020] In the comprehensive evaluation of merchants in the present invention, we divide the evaluation indicators into five parts: profitability, merchant popularity, potential index, contract performance ability, and credit history. Each part contains mor...

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Abstract

The invention relates to a merchant value evaluation method. The merchant value evaluation method comprises steps that at least one statistics index of a merchant value is determined; standardized processing on transaction data related to each statistics index is carried out; an importance degree of each statistics index is determined according to the ordinal relation analysis, and an subjective initial vector is determined based on the importance degree of each statistics index; weight of each statistics index is determined according to an entropy weight method, and an objective vector is determined based on weight of each statistics index; the subjective initial vector is corrected based on correction rules and the objective vector to acquire a subjective correction vector, and the correction rules make weight of each statistics index and the importance degree of each statistics index accord with completely corresponding ordering relations; correction weight of each statistics index is calculated based on the subjective correction vector through the ordinal relation analysis method; the merchant value is evaluated based on the correction weight of each statistics index and the respective related transaction data. The method is advantaged in that an artificial intervention degree is reduced, and the merchant value can be more accurately evaluated.

Description

technical field [0001] The invention relates to a merchant value evaluation method. Background technique [0002] Merchant value evaluation is based on the index system that can reflect the value of merchants, such as profitability, user evaluation, popularity, etc., and adopts appropriate evaluation processing methods to evaluate the value of merchants through certain calculation and analysis processes. [0003] Comprehensive evaluation is to make a global and holistic evaluation of the objects described by the multi-indicator architecture to provide basic support for decision-making. It is also a process of collecting relevant information for a complex system and objectively evaluating its application status. Commonly used comprehensive evaluation methods include analytic hierarchy process, expert evaluation method, fuzzy comprehensive evaluation method, gray system evaluation method, principal component analysis method, order relationship analysis method (G1 method), entr...

Claims

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Application Information

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IPC IPC(8): G06Q30/02
CPCG06Q30/0201
Inventor 张琦华锦芝郑建宾王宇
Owner CHINA UNIONPAY
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