CN104424572A - Digital household shopping merchant credit evaluation method - Google Patents
Digital household shopping merchant credit evaluation method Download PDFInfo
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- CN104424572A CN104424572A CN201310382141.XA CN201310382141A CN104424572A CN 104424572 A CN104424572 A CN 104424572A CN 201310382141 A CN201310382141 A CN 201310382141A CN 104424572 A CN104424572 A CN 104424572A
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Abstract
The invention discloses a digital household shopping merchant credit evaluation method. The method comprises: after a transaction is finished, acquiring evaluation values of an evaluation that a buyer carries out about the service evaluation projects of a merchant in the transaction, and performing weight summing on the evaluation values of the service evaluation projects to obtain an evaluation value of a single transaction; and for set transaction frequency, adding up the evaluation values of each transaction to obtain the credit accumulation value of the merchant. According to the invention, the two transaction sides and a digital household shopping platform can have an objective impression of the quality of products or services provided by the merchant and the credit condition of the merchant, such that credit frauds and hype existing in the e-commerce field can be avoided, and the service level of the merchant and management level of the platform can be improved.
Description
Technical field
The present invention relates to digital TV network technical field, particularly relate to shopping trade company of a kind of digital home credit assessment method.
Background technology
The mutual home shopping of high definition is based on high definition interactive digital television platform, merges " TV " and " network " culture, and existing TV simplicity has again a kind of " interactive mode " home videos shopping new model completely newly of network interdynamic.
In existing ecommerce, credit appraisal is mostly just simple adds up to each evaluation result of concluding the business, and all credit response scorings that user obtains by the method add up, as the overall credit value of user.Taobao, Eachnet etc. all adopt this accumulative Credit Model in Auction Site mostly.Cumulative Credit Model is expressed as:
R
n=R
n-1+r
n，r
n∈{-1,0,1}
Wherein R
nrepresent the current credit of user, R
n-1represent the recent credit rating of user, r
nrepresent that user obtains n-th credit response scoring, r
n∈-1,0,1} correspond to difference comment, in comment and favorable comment.
It cat adopts shop dynamic grading mode, to shop describe conform to, attitude, the delivery speed mode compared with the same industry carries out shop dynamic grading.
Existing credit Rating Model all belongs to trade type credit appraisal system pattern, and namely the creditworthiness of a side depends on the evaluation that the opposing party gives, and this pattern exists obvious defect.Be mainly reflected in:
1, evaluation rule is too simple, subjective.
Most adopt favorable comment+1, in comment+0, difference comments the mode of-1, although be easy to operation, may not necessarily the attitude of reflected appraisal both sides really.For favorable comment, in comment and differ from and comment, and article quality, attitude this some substantially all depend on the subjective idea of appraiser.Most people to satisfied commodity to favorable comment, but some people feel satisfied just in comment, this subjective evaluation is be worth discussion for the reference value of other clients.
2, the comparability of credit index is poor
Existing credit appraisal algorithm lacks the combination to evaluating in user self credit, the overall credit services level of supplier's historical transactional information (Transaction Success rate, return of goods rate, rate of exchanging goods, the rate of complaints).Health service provider is being carried out in the process of credit appraisal, the angle from serving demanding party is also needed to consider, the different dealing money of such as the same kind of goods, the credit appraisal that spending amount is larger more has reference value, so its different weights can be given according to dealing money, thus make the structure of credit appraisal more reasonable.The Transaction Success rate of health service provider in certain hour section, return of goods rate, rate, the rate of complaints etc. of exchanging goods factor are also the influence factors of health service provider credit appraisal, so can include in the credit appraisal factor.
3, standard diagrams Sum fanction is unreasonable
Shop dynamic grading mode, to shop describe conform to, attitude, delivery speed with the same industry compared with mode carry out shop dynamic grading.Compared with originally single " favorable comment " " in comment " " difference is commented ", " shop dynamic grading " system can be more comprehensively, reflect the service status of a seller more specifically, effectively decrease subjectivity when buyer passes judgment on, but problem still exists, such as: for not being familiar with the user of Taobao's rule, three dynamic evaluations, add " reimbursement speed " " dispute reimbursement " " complaint dispute " " disposition " " unlawful practice ", the seller in a shop has seven evaluation indexes, this can upset the judgement of client to whole shop, even there is the situation of concept obfuscation for " service evaluation " " credit appraisal " " shop dynamic grading " in some buyer, meanwhile, for seller, want to improve its service quality, current Score index system but also exists too simple and unilateral problem, definitely cannot understand the service status in shop, more cannot improve service level further targetedly.
Summary of the invention
The technical problem to be solved in the present invention is, provides shopping trade company of a kind of digital home credit assessment method, makes credit rating result have more science and rationality, user-friendly.
The technical solution used in the present invention is, shopping trade company of described digital home credit assessment method, comprising:
After having concluded the business, gather the figure of merit that buyer user evaluates the service evaluation project of trade company in this transaction, summation is weighted to the figure of merit of each service evaluation project and obtains single transaction evaluation of estimate;
For the transaction count of setting, by concluding the business at every turn, evaluation of estimate is added the credit aggregate-value obtaining trade company.
Further, described method also comprises:
With the time set as the cycle, based on the merchant transaction data that digital home's shopping platform provides, add up the trading situation information of this trade company, summation is weighted to trading situation information and obtains historical transactional information statistical weight value;
By the transaction count of the credit aggregate-value of trade company divided by described setting, obtain the credit appraisal weighted mean value of trade company;
The credit appraisal weighted mean value of trade company and historical transactional information statistical weight value are weighted to sue for peace again and obtain the credit evaluation value of trade company.
Further, described method also comprises:
With the time set as the cycle, based on the merchant transaction data that digital home's shopping platform provides, add up the trading situation information of this trade company, summation is weighted to trading situation information and obtains historical transactional information statistical weight value;
By the weight factor sum of the credit aggregate-value of trade company divided by buyer user in the transaction count of setting, obtain the credit appraisal weighted mean value of trade company;
The credit appraisal weighted mean value of trade company and historical transactional information statistical weight value are weighted to sue for peace again and obtain the credit evaluation value of trade company.
Further, described trading situation information comprises: Transaction Success rate, transaction return of goods rate, rate of exchanging goods of concluding the business, transaction the rate of complaints and transaction rate of growth;
Described each service evaluation project comprises: Product Quality Evaluation, information quality evaluation, dispensing quality assessment and service quality evaluation.
Further, described Product Quality Evaluation comprises: whether delivery is correct, whether product is the whether intact aspect of certified products and the packing of product;
Described information quality evaluation comprises: whether product and describing conforms to aspect;
Described dispensing quality assessment comprises: freight charges are collected, delivery speed, delivery availability are negotiable and logistics can select aspect;
Described service quality evaluation comprises: attitude, information feed back speed, information feed back content and after sale service aspect.
Further, described method comprises:
For the transaction count of setting, be added again after evaluation of estimate of at every turn concluding the business being multiplied by the weight factor of corresponding buyer user, obtain the credit aggregate-value of trade company.
Further, the weight factor of the buyer user that each transaction is corresponding comprises: buyer transaction amount of money weights and buyer transaction number of times weights.
Further, buyer transaction amount of money weights are arranged according to dealing money, and buyer transaction number of times weights are arranged according to the historical trading number of times of the buyer.
The present invention also provides shopping trade company of a kind of digital home credit appraisal device, comprising:
Acquisition module, for after completion of transactions, gathers the figure of merit that buyer user evaluates the service evaluation project of trade company in this transaction, is weighted summation obtains single transaction evaluation of estimate to the figure of merit of each service evaluation project;
First computing module, for the transaction count for setting, by concluding the business at every turn, evaluation of estimate is added the credit aggregate-value obtaining trade company.
Further, described device also comprises:
Statistical module, for the time set as the cycle, based on the merchant transaction data that digital home's shopping platform provides, add up the trading situation information of this trade company, summation be weighted to trading situation information and obtain historical transactional information statistical weight value;
Second computing module, for by the transaction count of the credit aggregate-value of trade company divided by described setting, obtains the credit appraisal weighted mean value of trade company;
3rd computing module, obtains the credit evaluation value of trade company for the credit appraisal weighted mean value of trade company and historical transactional information statistical weight value being weighted to sue for peace again.
Adopt technique scheme, the present invention at least has following advantages:
Shopping trade company of digital home of the present invention credit assessment method, uses analytical hierarchy process to build Credit Evaluation Model, and carries out the composite calulation of the credit aggregate-value of trade company, the credit evaluation value of trade company based on this evaluation model.The present invention has used for reference essential elements of evaluation and the composition project of SERVQUAL service evaluation scale, the service evaluation project of the single service quality evaluation of the mutual home shopping service of high definition and the weight factor of buyer user is extracted by the achievement of expert consulting and literature research, thus make credit rating result have more science and rationality, for the feature of high definition interactive home shopping, add the feedback mechanism based on evaluation result, it can be made more to be applicable to high definition interactive home and to do shopping this special screne.The present invention can make that both parties and digital home's shopping platform provide product or service quality to trade company, the credit situation of trade company has objective assurance, both avoided existing e-commerce field also to there is credit fraud and propagandized phenomenon, and be conducive to again improving trade company's service level and platform management level.
Accompanying drawing explanation
Fig. 1 is shopping trade company of the digital home credit assessment method process flow diagram of first embodiment of the invention;
Fig. 2 is shopping trade company of the digital home credit assessment method process flow diagram of second embodiment of the invention;
Fig. 3 is shopping trade company of the digital home credit appraisal device composition schematic diagram of third embodiment of the invention;
Fig. 4 is trade company's credit appraisal system schematic diagram of application example of the present invention.
Embodiment
For further setting forth the present invention for the technological means reaching predetermined object and take and effect, below in conjunction with accompanying drawing and preferred embodiment, the present invention is described in detail as after.
First introduce main thought of the present invention below.
Buyer user mainly considers the factor in two when digital home's shopping platform selection health service provider, a factor is the credit aggregate-value of trade company, namely trade company provides the overall credit situation in service or product process, shows as trade company in setting transaction count or the accumulated value of all single transaction credit appraisal values.Another is by third party and digital home's shopping platform, regularly to the trade company credit evaluation value of trade company according to transaction data evaluation, namely trade company provides the average service credit evaluation situation in service or product process, is presented as the credit evaluation value of trade company in execute phase sexual transaction.
The trade company single transaction evaluation information of the present invention by gathering, adopts the method Composite service supplier single transaction credit evaluation value of hierarchical model, carries out history credit on this basis and adds up.The factor of single transaction evaluation has used for reference essential elements of evaluation and the composition project of SERVQUAL service evaluation scale, comprise buyer user to trade company in four scoring items such as product quality, information quality, dispensing quality and service quality, scoring item weight is given according to expert method, by stratification synthesis single transaction credit appraisal value, the credit aggregate-value of trade company carries out accumulation by single credit evaluation value and draws.
Trade company's credit evaluation value is according to the definable period, average statistical and the health service provider transaction statistical information of Transaction Success rate, return of goods rate, rate, the rate of complaints etc. of exchanging goods aspect in section is at this moment carried out to single transaction credit appraisal values all in this period, draws the credit evaluation value of trade company within this period by hierarchical model weighted calculation.
The present invention introduces buyer user's weight factor in single transaction evaluation of estimate in the synthesis of credit aggregate-value and credit evaluation process, and buyer user's weight factor comprises dealing money weights and transaction count weights.
The present invention according to its every quacification, evaluates the credit evaluation initial value of trade company to trade company.Credit evaluation initial value can be used as the reference that buyer user selects trade company.The present invention regularly such as every three months carries out credit evaluation and feedback data statistics to trade company, and the dynamic credit evaluation situation of change of credit evaluation value reaction trade company of trade company, feedback data periodic feedback to demanding party of each side, and performs operations by demanding party according to condition.
First embodiment of the invention, shopping trade company of a kind of digital home credit assessment method, as shown in Figure 1, comprises following concrete steps:
Step S101, after having concluded the business, gathers the figure of merit that buyer user evaluates the service evaluation project of trade company in this transaction, is weighted summation obtains single transaction evaluation of estimate to the figure of merit of each service evaluation project.
Concrete, trading situation information comprises: Transaction Success rate, transaction return of goods rate, rate of exchanging goods of concluding the business, transaction the rate of complaints and transaction rate of growth;
Each service evaluation project comprises: Product Quality Evaluation, information quality evaluation, dispensing quality assessment and service quality evaluation, and wherein, Product Quality Evaluation comprises: whether delivery is correct, whether product is the whether intact aspect of certified products and the packing of product; Information quality evaluation comprises: whether product and describing conforms to aspect; Dispensing quality assessment comprises: freight charges are collected, delivery speed, delivery availability are negotiable and logistics can select aspect; Service quality evaluation comprises: attitude, information feed back speed, information feed back content and after sale service aspect.
Step S102, for the transaction count of setting, by concluding the business at every turn, evaluation of estimate is added the credit aggregate-value obtaining trade company.
Step S103, with the time set as the cycle, based on the merchant transaction data that digital home's shopping platform provides, adds up the trading situation information of this trade company, is weighted summation obtains historical transactional information statistical weight value to trading situation information;
Step S104, by the transaction count of the credit aggregate-value of trade company divided by described setting, obtains the credit appraisal weighted mean value of trade company;
Step S105, is weighted to sue for peace by the credit appraisal weighted mean value of trade company and historical transactional information statistical weight value again and obtains the credit evaluation value of trade company.
Preferably, the described method of the present embodiment also comprises:
Step S106, according to the credit aggregate-value of trade company and the credit evaluation value of trade company, feeds back different processing schemes to trade company.
Second embodiment of the invention, shopping trade company of a kind of digital home credit assessment method, as shown in Figure 2, comprises following concrete steps:
Step S201, after having concluded the business, gathers the figure of merit that buyer user evaluates the service evaluation project of trade company in this transaction, is weighted summation obtains single transaction evaluation of estimate to the figure of merit of each service evaluation project;
Step S202, for the transaction count of setting, is added after evaluation of estimate of at every turn concluding the business being multiplied by the weight factor of corresponding buyer user again, obtains the credit aggregate-value of trade company.
Concrete, the weight factor of the buyer user that each transaction is corresponding comprises: buyer transaction amount of money weights and buyer transaction number of times weights.Buyer transaction amount of money weights are arranged according to dealing money, and buyer transaction number of times weights are arranged according to the historical trading number of times of the buyer.The transaction count of setting here can be in the past all transaction, also can be the transaction several times recently of setting.
Step S203, with the time set as the cycle, based on the merchant transaction data that digital home's shopping platform provides, adds up the trading situation information of this trade company, is weighted summation obtains historical transactional information statistical weight value to trading situation information;
Step S204, by the weight factor sum of the credit aggregate-value of trade company divided by buyer user in the transaction count of setting, obtains the credit appraisal weighted mean value of trade company;
Step S205, is weighted to sue for peace by the credit appraisal weighted mean value of trade company and historical transactional information statistical weight value again and obtains the credit evaluation value of trade company.
Preferably, the described method of the present embodiment also comprises:
Step S206, according to the credit aggregate-value of trade company and the credit evaluation value of trade company, feeds back different processing schemes to trade company.
Third embodiment of the invention, shopping trade company of a kind of digital home credit appraisal device, corresponding with the described method of the first embodiment, as shown in Figure 3, this device comprises following ingredient:
Acquisition module 100, for after completion of transactions, gathers the figure of merit that buyer user evaluates the service evaluation project of trade company in this transaction, is weighted summation obtains single transaction evaluation of estimate to the figure of merit of each service evaluation project;
First computing module 200, for the transaction count for setting, by concluding the business at every turn, evaluation of estimate is added the credit aggregate-value obtaining trade company.
Preferably, the present embodiment can be corresponding with the described method in the second embodiment, when introducing buyer user's weight factor, first computing module is used for: for the transaction count of setting, be added again after evaluation of estimate of at every turn concluding the business being multiplied by the weight factor of corresponding buyer user, obtain the credit aggregate-value of trade company.
Statistical module 300, for the time set as the cycle, based on the merchant transaction data that digital home's shopping platform provides, add up the trading situation information of this trade company, summation be weighted to trading situation information and obtain historical transactional information statistical weight value;
Second computing module 400, for by the transaction count of the credit aggregate-value of trade company divided by described setting, obtains the credit appraisal weighted mean value of trade company;
Preferably, the present embodiment can be corresponding with the described method in the second embodiment, when introducing buyer user's weight factor, second computing module is used for: by the weight factor sum of the credit aggregate-value of trade company divided by buyer user in the transaction count of setting, obtain the credit appraisal weighted mean value of trade company.
3rd computing module 500, obtains the credit evaluation value of trade company for the credit appraisal weighted mean value of trade company and historical transactional information statistical weight value being weighted to sue for peace again.
An application example of the present invention is introduced below based on above-described embodiment.This application example realizes the present invention to be needed through following step:
Step one, sets up trade company's credit appraisal system, as shown in Figure 4.
Concrete, the data of trade company's credit appraisal comprise the credit aggregate-value of trade company and credit evaluation value two parts data of trade company.The credit aggregate-value of trade company is evaluated the evaluation points of product quality, information quality, dispensing quality and service quality four aspect scoring items by user, adopt hierarchical model synthesis buyer user to trade company when time transaction evaluation of estimate, the credit aggregate-value of the final generating merchant of these evaluations of estimate.
The aspects such as the Transaction Success rate that Transaction Information statistics is produced by all single transaction, return of goods rate, rate of exchanging goods, the rate of complaints, rate of growth are formed, final generation historical transactional information statistical weight value.Calculated the credit appraisal weighted mean value of trade company by the credit aggregate-value of trade company, the credit appraisal weighted mean value of trade company and historical transactional information statistical weight value synthesize the credit evaluation value of trade company.
The each service evaluation Project Information Table of table 1
Table 2 trading situation information table
As shown in Figure 4, this application example is by above-mentioned each trading situation information and each service evaluation project information, the trade company's credit appraisal system in high definition interactive digital home shopping service is constructed according to hierarchical chart, give the assessment item of each level, evaluation content and synthetic method thereof in Fig. 3, the English alphabet in figure in square frame under word inside square bracket and combination of numbers represent the weighted value of this assessment item.
Step 2, determines the weight of assessment item
This application example determines the weighted value of assessment item by setting up Comparative indices matrix, the value of judgment matrix represents between the layer intrinsic factor understanding of relative importance of each assessment item about upper strata target.According to literature query and expert consulting, set up judgment matrix and calculate the weight of each assessment item and evaluation content thereof, as shown in Table 3 and Table 4.
Table 3 trade company single transaction credit appraisal weights
Table 4 conclude the business statistical information evaluate weights
| Assessment item | Weights |
| Transaction Success rate | B13 |
| Transaction return of goods rate | B14 |
| Transaction is exchanged goods rate | B15 |
| Transaction the rate of complaints | B16 |
| Transaction rate of growth | B17 |
This application example also introduces buyer user's weight factor in single transaction evaluation of estimate in the synthesis of credit aggregate-value and credit evaluation process, and buyer user's weight factor comprises dealing money weights and transaction count weights.As shown in table 5 table 6.
Table 5 buyer customer transaction amount of money weights
| Dealing money | Weights |
| [0，100] | 0.10 |
| (100，10000) | 0.1+ (dealing money/10000) × 0.9 |
| [10000，+∞) | 1.00 |
Table 6 buyer customer transaction number of times weights
| Transaction count | Weights |
| [1，20) | (transaction count/20) × 1 |
| [20，+∞) | 1.00 |
Step 3, calculates the credit aggregate-value of trade company and the credit evaluation value of trade company based on trade company's credit appraisal system, specifically comprises:
Step S1, after having concluded the business at every turn, gathers the figure of merit that buyer user evaluates the service evaluation project of trade company in this transaction, is weighted summation obtains single transaction evaluation of estimate to the figure of merit of each service evaluation project according to the weights in table 3; For all transaction in the past, be added again after evaluation of estimate of at every turn concluding the business being multiplied by the weight factor of corresponding buyer user, obtain the credit aggregate-value of trade company.Concrete, the weight factor of the buyer user that each transaction is corresponding comprises: buyer's customer transaction amount of money weights and buyer's customer transaction number of times weights, in table 5 and table 6.
Step S2, with the time set as the cycle, based on the merchant transaction data that digital home's shopping platform provides, adds up the trading situation information of this trade company, is weighted summation obtains historical transactional information statistical weight value to trading situation information according to the weights in table 4; By the weight factor sum of the credit aggregate-value of trade company divided by buyer user in the transaction count of setting, obtain the credit appraisal weighted mean value of trade company; The credit appraisal weighted mean value of trade company and historical transactional information statistical weight value are weighted to sue for peace again and obtain the credit evaluation value of trade company.
Step 4, according to the credit aggregate-value of trade company and the credit evaluation value of trade company, feeds back different processing schemes to trade company.
Concrete, needed for different feedback target, feed back different indexs to it, specifically arrange as shown in table 7.
Table 7 credit appraisal feedback mechanism
Shopping trade company of digital home of the present invention credit assessment method, uses analytical hierarchy process to build Credit Evaluation Model, and carries out the composite calulation of the credit aggregate-value of trade company, the credit evaluation value of trade company based on this evaluation model.The present invention has used for reference essential elements of evaluation and the composition project of SERVQUAL service evaluation scale, the service evaluation project of the single service quality evaluation of the mutual home shopping service of high definition and the weight factor of buyer user is extracted by the achievement of expert consulting and literature research, thus make credit rating result have more science and rationality, for the feature of high definition interactive home shopping, add the feedback mechanism based on evaluation result, it can be made more to be applicable to high definition interactive home and to do shopping this special screne.The present invention can make that two parties and digital home's shopping platform provide product (service) quality to trade company, the credit situation of trade company has objective assurance, both avoided existing e-commerce field also to there is credit fraud and propagandized phenomenon, and be conducive to again improving trade company's service level and platform management level.
By the explanation of embodiment, should to the present invention for the technological means reaching predetermined object and take and effect be able to more deeply and concrete understanding, but appended diagram be only to provide with reference to and the use of explanation, be not used for being limited the present invention.
Claims (10)
1. digital home's shopping trade company credit assessment method, is characterized in that, comprising:
After having concluded the business, gather the figure of merit that buyer user evaluates the service evaluation project of trade company in this transaction, summation is weighted to the figure of merit of each service evaluation project and obtains single transaction evaluation of estimate;
For the transaction count of setting, by concluding the business at every turn, evaluation of estimate is added the credit aggregate-value obtaining trade company.
2. shopping trade company of digital home according to claim 1 credit assessment method, it is characterized in that, described method also comprises:
With the time set as the cycle, based on the merchant transaction data that digital home's shopping platform provides, add up the trading situation information of this trade company, summation is weighted to trading situation information and obtains historical transactional information statistical weight value;
By the transaction count of the credit aggregate-value of trade company divided by described setting, obtain the credit appraisal weighted mean value of trade company;
The credit appraisal weighted mean value of trade company and historical transactional information statistical weight value are weighted to sue for peace again and obtain the credit evaluation value of trade company.
3. shopping trade company of digital home according to claim 1 credit assessment method, it is characterized in that, described method also comprises:
With the time set as the cycle, based on the merchant transaction data that digital home's shopping platform provides, add up the trading situation information of this trade company, summation is weighted to trading situation information and obtains historical transactional information statistical weight value;
By the weight factor sum of the credit aggregate-value of trade company divided by buyer user in the transaction count of setting, obtain the credit appraisal weighted mean value of trade company;
The credit appraisal weighted mean value of trade company and historical transactional information statistical weight value are weighted to sue for peace again and obtain the credit evaluation value of trade company.
4. shopping trade company of digital home according to claim 3 credit assessment method, it is characterized in that, described trading situation information comprises: Transaction Success rate, transaction return of goods rate, rate of exchanging goods of concluding the business, transaction the rate of complaints and transaction rate of growth;
Described each service evaluation project comprises: Product Quality Evaluation, information quality evaluation, dispensing quality assessment and service quality evaluation.
5. shopping trade company of digital home according to claim 4 credit assessment method, it is characterized in that, described Product Quality Evaluation comprises: whether delivery is correct, whether product is the whether intact aspect of certified products and the packing of product;
Described information quality evaluation comprises: whether product and describing conforms to aspect;
Described dispensing quality assessment comprises: freight charges are collected, delivery speed, delivery availability are negotiable and logistics can select aspect;
Described service quality evaluation comprises: attitude, information feed back speed, information feed back content and after sale service aspect.
6. shopping trade company of digital home according to claim 1 credit assessment method, it is characterized in that, described method comprises:
For the transaction count of setting, be added again after evaluation of estimate of at every turn concluding the business being multiplied by the weight factor of corresponding buyer user, obtain the credit aggregate-value of trade company.
7. shopping trade company of the digital home credit assessment method according to claim 3 or 6, it is characterized in that, the weight factor of the buyer user that each transaction is corresponding comprises: buyer transaction amount of money weights and buyer transaction number of times weights.
8. shopping trade company of digital home according to claim 7 credit assessment method, it is characterized in that, buyer transaction amount of money weights are arranged according to dealing money, and buyer transaction number of times weights are arranged according to the historical trading number of times of the buyer.
9. digital home's shopping trade company credit appraisal device, is characterized in that, comprising:
Acquisition module, for after completion of transactions, gathers the figure of merit that buyer user evaluates the service evaluation project of trade company in this transaction, is weighted summation obtains single transaction evaluation of estimate to the figure of merit of each service evaluation project;
First computing module, for the transaction count for setting, by concluding the business at every turn, evaluation of estimate is added the credit aggregate-value obtaining trade company.
10. shopping trade company of digital home according to claim 9 credit appraisal device, it is characterized in that, described device also comprises:
Statistical module, for the time set as the cycle, based on the merchant transaction data that digital home's shopping platform provides, add up the trading situation information of this trade company, summation be weighted to trading situation information and obtain historical transactional information statistical weight value;
Second computing module, for by the transaction count of the credit aggregate-value of trade company divided by described setting, obtains the credit appraisal weighted mean value of trade company;
3rd computing module, obtains the credit evaluation value of trade company for the credit appraisal weighted mean value of trade company and historical transactional information statistical weight value being weighted to sue for peace again.
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