CN101937541A - Method and device for evaluating client credit - Google Patents
Method and device for evaluating client credit Download PDFInfo
- Publication number
- CN101937541A CN101937541A CN2009100867858A CN200910086785A CN101937541A CN 101937541 A CN101937541 A CN 101937541A CN 2009100867858 A CN2009100867858 A CN 2009100867858A CN 200910086785 A CN200910086785 A CN 200910086785A CN 101937541 A CN101937541 A CN 101937541A
- Authority
- CN
- China
- Prior art keywords
- client
- information
- evaluating
- transaction
- master data
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a method and a device for evaluating client credit. The method comprises the following steps of: acquiring basic data of a client, wherein the basic data of the client comprise basic information and manpower information of the client; calling a preset client evaluation parameter model; and evaluating the credit of the client according to the basic data of the client and the evaluation parameter model corresponding to the client. According to the embodiment of the invention, the method and the device have the advantages that: because a mediation device serving as a third party is provided and a transaction party is evaluated through the mediation device before on-line transaction, the transaction credibility of double transaction parties is improved, and the failure rate of the on-line transaction is reduced; the problems of non-objectivity, inaccuracy and non-equal service levels of evaluation personnel in the prior art are solved; and consistent, objective and comparable measurement of the client credit is obtained by objective analysis of the client information, and the client credit is effectively and accurately quantified.
Description
Technical field
The present invention relates to technical field of the computer network, particularly a kind of method and apparatus that is used to estimate client's credit rating.
Background technology
Ecommerce (Electronic Commerce, be called for short EC), typically refer to is in the wide range of commercial trade activity of all parts of the world, under the open network environment in the Internet, based on the browser/server application mode, both parties do not carry out various commercial activities with meeting, realize a kind of novel commercial operation pattern of consumer's shopping online, the online transaction between the supplier and online E-Payment and various commercial activity, transaction, finance activities and relevant integrated service activity.
In electronic transaction, generally use a kind of credit appraisal system, after finishing once transaction, both parties utilize the comprehensive evaluation of transaction are given a mark mutually, and after the buyer received article, the reply seller made credit appraisal; The seller also will be for the buyer makes credit appraisal, the sincerity thereby foundation is bought house.Some system has also formulated different brackets to user's credit appraisal, and user's obatained score is divided into the buyer and the seller in each grade, as the reference of transaction once more.The credit appraisal of making for the other side after transaction is finished is most important, because All Activity user's prestige is all set up according to this credit appraisal, described credit appraisal system helps to set up safe transaction atmosphere on the net.
Most of e-commerce websites have all been set up fairly perfect credit appraisal system, and credit rating claims credit score high more again, show that the seller/buyer credit degree is good more, and this has significantly reduced the risk of online transaction.
For the scheme of credit score, generally adopt this method: transaction one side judge to the opposing party, and when a side was favorable comment to the opposing party's evaluation result, the other side's credit rating was plused fifteen; Comment in doing, the other side's credit rating is constant, and bonus point does not subtract branch yet; Do difference and comment, the other side's credit rating minus fifteen, specific implementation is as shown in Figure 1.
Suppose the credit appraisal of user A focusing, at first whether have the evaluation of A before the point counting B in inquiry with the opposing party B.If exist, illustrate that A once estimated B, then this estimates not point counting according to code of points, and the credit rating of B is constant; Otherwise this estimates point counting, if favorable comment pluses fifteen then for the credit rating of B, if in comment and add zero then for the credit rating of B, if difference is commented the credit rating minus fifteen of then giving B.New credit rating with B is updated in the credit rating record storehouse then.
As shown in Figure 2, credit appraisal in the evaluation of programme of another prior art also is divided into " favorable comment " " in comment " " difference is commented " three classes, estimate corresponding credit scoring for every kind, different with such scheme is, suppose the credit appraisal of user A to transaction the opposing party B, at first judge whether to use the transaction of payment intermediary before the point counting, when payment intermediary is meant transaction, the buyer pays " payment intermediary " rather than seller payment for goods earlier, and seller's delivery then waits buyer shortage of staff to receive after the goods, " payment intermediary " pays the seller payment for goods again, if the buyer does not acknowledge receipt of goods, buyer's payment for goods can not paid the seller, but returns to the buyer." payment intermediary " improves the payment safety in the network trading, can prevent that the seller from having received the phenomenon that money is not delivered.
Therefore, if do not use the transaction of payment intermediary, this credit appraisal finishes; Otherwise, then continue to judge whether to be identical dealing man and transaction to be arranged at same commodity.If this credit appraisal finishes, otherwise, continue to judge whether B has done anonymous ratings to A, if this credit appraisal finishes; Otherwise this estimates point counting.If favorable comment pluses fifteen then for the credit rating of B, if in comment and add zero then for the credit rating of B, if difference is commented the credit rating minus fifteen of then giving B.
The mode that above-mentioned marking is estimated is manually estimated by both parties, can reflect both sides' credit rating to a certain extent, and still, described credit appraisal mode has the following disadvantages:
Based on the mode of artificial marking, human factor is more, has subjectivity, can not objectively respond user's true credit rating, and be easy to generate cheating, and therefore the assessed value accuracy rate that finally obtains is not high, and the factor for the artificial aspect of both parties in the prior art lacks evaluation.
In realizing process of the present invention, the inventor finds that there is following problem at least in prior art: carry out online transaction between supplier and the demand merchant in the prior art, both sides do not have explicit understanding for the other side's prestige degree, online transaction causes both parties fully to understand, and is easier to cause the online transaction failure.
Summary of the invention
The embodiment of the invention provides a kind of method and mediation device that online transaction connects that be used for, provide mediation device as the third party, when carrying out online transaction, carrying out information interaction by mediation device is connected with network, utilize the merchant of intermediary that client's credit rating is estimated, improve both parties' transaction degree of belief, reduced the online transaction mortality.
For achieving the above object, the embodiment of the invention provides a kind of method that is used to estimate client's credit rating, comprise,
Obtain client's master data, described client's master data comprises people's force information of client's essential information and client;
Call default customer evaluation parameter model;
Master data and the pairing evaluating model of described client according to described client are estimated described client's credit rating.
Wherein, before the described master data of obtaining the client, also comprise the judgement customer type, described customer type comprises demand merchant and supplier.
Wherein, described client's master data also comprises one or more following information,
The transaction information for intention, the transactions history recorded information.
Wherein, described client's manpower information data comprises one or more following information,
Client's enterprise personnel is formed information, client's enterprise personnel schooling information, client's enterprise personnel labour skills information, client's enterprise personnel turnover rate information.
Wherein, described calling before the customer evaluation parameter model also comprises client's master data verified.
Wherein, describedly call default customer evaluation parameter model and comprise and set up the customer evaluation parameter model:
The master data of client trading before the statistics, and according to the special data and the customer evaluation parameter empirical value of different type of transaction needs;
The master data of former client trading is classified, with evaluating of each class called after;
Constitute described customer evaluation parameter model according to described evaluating.
Wherein, described client's credit rating is estimated, is also comprised before according to described client's master data and the pairing evaluating model of described client:
According to the master data of former client trading and according to the special data of different type of transaction needs, after the evaluating weighted calculation, result of calculation is divided into five grades of parameter reference points, comprise standard value, optimal value, than the figure of merit, worst-case value and than difference.
Wherein, described client's credit rating is estimated, being comprised according to described client's master data and the pairing evaluating model of described client:
The evaluating calculating sub module is used for the evaluating calculated value according to described client's master data acquisition client;
The comparative evaluation submodule is used for more described evaluating calculated value and described evaluating, and the client is carried out credit appraisal.
The embodiment of the invention also provides a kind of equipment that is used to estimate client's credit rating, comprises,
Acquisition module is used to obtain client's master data, and described client's master data comprises people's force information of client's essential information and client;
Calling module is used to call default customer evaluation parameter model;
Evaluation module is used for according to described client's master data and the pairing evaluating model of described client described client's credit rating being estimated.
Wherein, also comprise the customer type judge module, be used to judge customer type, described customer type comprises demand merchant and supplier.
Wherein, also comprise customer data verification module, be used for client's master data is verified.
Wherein, comprise that also parameter model sets up module, be used to set up described customer evaluation parameter model, described calling module calls described parameter model and sets up the default customer evaluation parameter model of module.
Wherein, parameter model is set up module and is comprised:
Statistics legacy data submodule, the master data that is used to add up former client trading, and according to the special data and the customer evaluation parameter empirical value of different type of transaction needs;
Evaluating generates submodule, is used for the master data of former client trading is classified, with evaluating of each class called after;
The evaluating model constitutes submodule, is used for constituting described customer evaluation parameter model according to described evaluating.
Wherein, comprise parameter reference point generation module, be used for according to the master data of former client trading and according to the special data of different type of transaction needs, after the evaluating weighted calculation, result of calculation is divided into five grades of parameter reference points, comprises standard value, optimal value, than the figure of merit, worst-case value and than difference.
Wherein, evaluation module also comprises:
The evaluating calculating sub module is used for the evaluating calculated value according to described client's master data acquisition client;
The comparative evaluation submodule is used for more described evaluating calculated value and described evaluating, and the client is carried out credit appraisal.
Wherein, also comprise database, be used for evaluation result is stored to the customer evaluation database.
Compared with prior art, the embodiment of the invention has the following advantages, and provides mediation device as the third party, before carrying out online transaction, by mediation device parties is estimated, and has improved both parties' transaction degree of belief, reduces the online transaction mortality.It is not objective, inaccurate to overcome existing in prior technology, and estimates the unequal problem of personnel's professional skill.Obtain the unanimity to client's credit rating, objective, comparable tolerance by objective analysis, effectively accurately quantize client's credit rating customer information.
Description of drawings
Fig. 1 is the method flow diagram that carries out credit score in the prior art;
Fig. 2 is the method flow diagram that carries out credit score in the prior art;
Fig. 3 is that the embodiment of the invention provides a kind of method flow diagram that is used to estimate client's credit rating;
Fig. 4 is the method flow diagram that the embodiment of the invention specifically is used to estimate client's credit rating;
Fig. 5 is client's credit rating curve map;
Fig. 6 is a kind of method flow diagram that the demand merchant is carried out credit appraisal that the embodiment of the invention provides;
Fig. 7 is embodiment of the invention demand merchant credit value integrated curve figure;
Fig. 8 is a kind of method flow diagram that supplier is carried out credit appraisal that the embodiment of the invention provides;
Fig. 9 is a kind of device structure synoptic diagram that is used to estimate client's credit rating that the embodiment of the invention provides;
Figure 10 is that the parameter model of the equipment of embodiment of the invention evaluation client credit rating is set up the modular structure synoptic diagram;
Figure 11 is the evaluation module structural representation of the equipment of embodiment of the invention evaluation client credit rating;
Figure 12 is an online transaction topology connection layout;
Figure 13 is that the embodiment of the invention is used for the method flow diagram that online transaction connects.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the invention, the technical scheme in the embodiment of the invention is clearly and completely described.
As shown in Figure 3, the embodiment of the invention provides a kind of method that is used to estimate client's credit rating, comprise,
Step 310 is obtained client's master data, and described client's master data comprises people's force information of client's essential information and client;
Step 320 is called default customer evaluation parameter model;
Step 330 is estimated described client's credit rating according to described client's master data and the pairing evaluating model of described client.
Wherein, before the described master data of obtaining the client, also comprise the judgement customer type, described customer type comprises demand merchant and supplier.
Wherein, described client's master data also comprises one or more following information,
The transaction information for intention, the transactions history recorded information.
Wherein, described client's manpower information data comprises one or more following information,
Client's enterprise personnel is formed information, client's enterprise personnel schooling information, client's enterprise personnel labour skills information, client's enterprise personnel turnover rate information.
Wherein, described calling before the customer evaluation parameter model also comprises client's master data verified.
Wherein, describedly call default customer evaluation parameter model and comprise and set up the customer evaluation parameter model:
The master data of client trading before the statistics, and according to the special data and the customer evaluation parameter empirical value of different type of transaction needs;
The master data of former client trading is classified, with evaluating of each class called after;
Constitute described customer evaluation parameter model according to described evaluating.
Wherein, described client's credit rating is estimated, is also comprised before according to described client's master data and the pairing evaluating model of described client:
According to the master data of former client trading and according to the special data of different type of transaction needs, after the evaluating weighted calculation, result of calculation is divided into five grades of parameter reference points, comprise standard value, optimal value, than the figure of merit, worst-case value and than difference.
Wherein, described client's credit rating is estimated, being comprised according to described client's master data and the pairing evaluating model of described client:
Obtain client's evaluating calculated value according to described client's master data;
More described evaluating calculated value and described evaluating carry out credit appraisal to the client.
Wherein, evaluation result is stored to the customer evaluation database.
As shown in Figure 4, specifically the method that is used to estimate client's credit rating is described,
The customer type difference, it is also different to obtain master data.
Obtain the master data of customer evaluation, these master datas comprise client's essential information and client's financial information, the information for intention of concluding the business, the transactions history recorded information.Client's essential information comprises: area under industry, the client under customer number, customer name, customer type, the client.Client's financial information comprises: balance sheet, profit and loss statement, cash flow statement.For example, will be divided into according to the difference of industry under the enterprise: light industry, capital-intensive manufacturing industry, wholesale and retail industry, other industry etc.
Unlike the prior art be to comprise also that in the master data of obtaining people's force information of client place enterprise, people's force information are meant the master data of demand merchant or supplier's place enterprise personnel.
The master data of enterprise personnel comprises enterprise personnel composition information, enterprise personnel schooling information, enterprise personnel labour skills information, enterprise personnel turnover rate information and enterprise personnel hiring date information etc.
The client's that the merchant of intermediary obtains master data need be verified these clients' master data, verifies content and mainly comprises:
To client's essential information, verify in real time as information such as areas under industry, the client under customer name, customer type, the client, personation, replacement, false enterprise, paper company can not appear to guarantee both parties.
Client's financial information is verified.Mainly be that projects such as balance sheet that the client is provided, profit and loss statement, cash flow statement are registered and contrasted with relevant treasurer's department, it is bad to avoid occurring fund operation, and the problematic enterprise in financial aspect is sneaked in the transaction, influences transaction order.
But have any to need explanation, verify step in client's master data, only client's master data is examined, examination is not estimated it.
The merchant of intermediary is by the master data of client trading before the statistics, and according to the special data and the customer evaluation parameter empirical value of different type of transaction needs, sets up the customer evaluation parameter model.
Former client trading master data is combined with special data and customer evaluation parameter empirical value according to different type of transaction needs, the master data of the client trading before utilizing, the master data that client trading is commonly used is classified, with parameter of each class called after, according to the special data called after special parameter of different type of transaction needs, special parameter and other parameter combinations constitute the customer evaluation parameter model of estimating client's creditworthiness;
Utilize customer evaluation parameter empirical value, client's credit appraisal computing formula calculates client's evaluating, and the client's who calculates evaluating result is used for the client is estimated.
The customer evaluation parameter model comprises a plurality of evaluatings, and evaluating is used for client's master data is estimated.Each evaluating comprises a standard value, and standard value is used to represent the standard of this parameter when estimating.
It is by after the master data and the special data classification according to different type of transaction needs with former client trading that the standard value of evaluating obtains, each class data according to different transaction data proportions in the client trading, is averaged respectively and calculates and weighted calculation.The result of calculation that obtains is compared with customer evaluation parameter empirical value, finally obtain the standard value of this parameter.
Obtain the optimal value of evaluating according to result of calculation, than the figure of merit, worst-case value and than difference, according to the optimal value of measuring and calculating, than the figure of merit, worst-case value and than difference, and the standard value that obtains are divided into five grades of parameter reference points with this parameter.
The customer evaluation parameter of customer evaluation parameter model comprises parameter transaction, people's force parameter, purpose parameter, historical record parameter etc.
For example, client's master data comprises client's transaction essential information and people's force information of client, and wherein the essential information of client trading is used to characterize the client identity authentication feature, and people's force information of client is used to describe the information of drainage of human resources aspect, client place.
Client's transaction essential information is included in the parameter transaction, people's force information of client is included in people's force parameter, set up the customer evaluation parameter model according to parameter transaction and people's force parameter.
Credit line to the client is estimated, and comprises that evaluating to the client calculates and according to result of calculation the client carried out two steps of credit appraisal.
By the customer evaluation parameter model of setting up in conjunction with client's master data with for the client, client's master data is weighted calculating.
According to the result of weighted calculation credit rating in conjunction with five grades of parameter reference point assesses user of this parameter.
Client's credit is estimated comparatively accurately, guaranteed that the stable of subsequent transaction carries out.
After client's creditworthiness estimated, need preserve creditworthiness, guaranteeing in subsequent transaction, can be as historical reference.
At this, also need to prove, each client's credit appraisal value is not unalterable, therefore the customer evaluation database of record can put down in writing the credit record a when client is different to conclude the business, credit record according to this client trading is listed as into a credit record curve map about this user, by observing this user's credit record curve map, whether the creditworthiness that just can see this client is stable, to some extent whether creditworthiness rising or reduction etc., also can be used for the client is supervised with this, promote client's normal development.
As shown in Figure 5, be a client's credit rating curve map, wherein X-axis is represented client's evaluation number of times, and Y-axis is represented this client's credit rating, can see that by Fig. 5 this client's credit rating maintains 50%～80% substantially.
One embodiment of the present of invention provide a kind of method of the demand merchant being carried out credit appraisal.As shown in Figure 6, in the present embodiment, customer type is the demand merchant, utilizes this method that the demand merchant is estimated, and specifically comprises:
Demand merchant's master data comprises demand merchant's transaction essential information, the transaction information for intention, and people's force information of transactions history recorded information, demand merchant, etc.
Demand merchant's transaction essential information comprises demand merchant essential information and demand merchant's financial information.
Wherein, demand merchant's essential information comprises demand merchant numbering, demand merchant's title, demand merchant's type, the affiliated industry of demand merchant, the affiliated area of demand merchant;
Demand merchant is numbered this demand merchant and registers on network before concluding the business, the numbering that issues;
The registration title that demand merchant's name is called this demand merchant when registering on network;
Demand merchant's type is demand merchant's the type of business, and the type of business comprises the legal person of unincorporated enterprise, Ltd, company limited by shares, self-employed entrepreneur, sole proprietorship, private partnership enterprise enterprise;
The area is this demand merchant address under the demand merchant, and industry is the type of dividing according to the industry and commerce trade classification under the demand merchant.
Demand merchant concludes the business essential information for example can be as shown in table 1 below,
Table 1
| Demand merchant's numbering | Merchant 090201 |
| Demand merchant's title | *** |
| Demand merchant's type | Company limited by shares |
| Industry under the demand merchant | Real estate |
| Area under the demand merchant | Shanghai |
Demand merchant's financial information comprises: balance sheet, profit and loss statement, cash flow statement.
Balance sheet is meant the main accounting statement of enterprise a financial position of fixing the date (being the situation of assets, debt and proprietary interest).Balance sheet mainly provides the information of relevant financial position of the enterprise aspect, by balance sheet, can provide the total value and the structure thereof of a certain date assets, shows resource and distribution situation thereof that enterprise has or controls.
Profit and loss statement is meant that reflection enterprise is at the management performance of certain accounting period and the accounting statement of distribution condition thereof.The accounting information that is reflected on the profit and loss statement is used for estimating the operational efficiency and the management performance of an enterprise, the value and the remuneration of assessment investment, and then weigh the successful degree of an enterprise in operation control.
Cash flow statement be expressed in one fixing during in (normally every month or per season), the increase and decrease change situation of the cash of a tame mechanism (comprising cash equivalents).By cash flow statement, can summarize the influence that reflection business activities, investment activity and financial activity are flowed out enterprise's cash inflow, be used for that evaluation of enterprises is generated profit, aspects such as financial position and financial management.
The transaction information for intention is meant when demand merchant and supplier conclude the business, the commodity that need obtain, and these commodity can be tangible goods, as automobile, the house, furniture etc. can be intangible goods also, as trade mark right, patent right is joined power, literary property etc.
In the transaction information for intention, can also comprise mode of doing business for commodity, discuss the use information that can also comprise commodity to the use-pattern difference of commodity according to demand, as being the purchase commodity about use-pattern, lease commodity, the manufacture method of commodity is provided, with supplier's co-manufactured, or commodity are acted as the agent of etc.
In addition,, can be divided into single-piece buying and buying in batches again, if the goods of buying in batches, can also allow the demand merchant that the method for shipment etc. of goods is provided for the commodity of demand merchant buying.The comparatively popular deliver goods mode of network adopts the single-piece mailing to need supplementary payments rate usefulness mostly at present, and comparatively large goods has then been removed rate or delivery expense from.
The transaction information for intention specifically is exemplified below shown in the table 2,
Table 2
| Required commodity | Automobile | Patent | Computer |
| Use-pattern | Lease | Authorize | Buy |
| Term of |
3 months | 10 years | *** |
| Required |
2 | 4 | 5 |
| The commodity dilivery term | In one month | In two years | In three weeks |
| The deliver goods requirement | From carrying | From carrying | Mailing |
| The modes of payments | Payment earlier | Mortgage | Cash on delivery |
| Other requirements | *** | *** | *** |
| Best supplier | Ford | *** | IBM |
The transactions history recorded information is meant that in the process of the former transaction of demand merchant, merchant of intermediary and supplier are to appreciation information and the transaction record of demand merchant to assessment.Can estimate the transaction credit degree before the demand merchant according to the transactions history recorded information.
Giving an example of transactions history recorded information parameter specifically can be as shown in table 3 below,
Table 3
Unlike the prior art be, the people's force information that in the master data of obtaining the demand merchant, also comprises client enterprise, the manpower information of client enterprise comprises enterprise personnel composition information, enterprise personnel schooling information, enterprise personnel labour skills information, enterprise personnel turnover rate information and enterprise personnel hiring date information etc., as shown in table 4 for example
Table 4
The identity difference that demand merchant's master data is discussed according to demand can also comprise demand merchant's paying ability information, for example, demand merchant is common user, then demand merchant's essential information just can comprise payment or the ability of paying back as the demand merchant, whether demand merchant's dealing money is sufficient, if inadequate whether the needs borrows or lends money, if and the demand merchant borrows or lends money the condition that whether possesses debt-credit, whether has guaranty, demand merchant is an enterprise, except payment or the ability of paying back that comprises the demand merchant, whether need debt-credit when demand merchant's dealing money is inadequate, and if the demand merchant borrow or lend money the condition that whether possesses debt-credit, whether have outside the guaranty etc., also should comprise such as company size additional informations such as assets.
Demand merchant's master data verified comprises:
Master data to the demand merchant is verified, and comprises the verification to demand merchant's essential information and financial information.
To demand merchant's transaction essential information, as, industry, the affiliated area of demand merchant etc. are verified under demand merchant's numbering, demand merchant's title, demand merchant's type, the demand merchant;
Financial information to the demand merchant is verified, and comprises the verification to balance sheet, profit and loss statement, cash flow statement.
Whether the demand merchant information for intention of concluding the business is verified, and mainly is whether the transaction purpose of determining the demand merchant conforms to company nature, reasonable etc.
Transactions history recorded information to the demand merchant is verified.
The merchant of intermediary sets up demand merchant evaluating model, by the master data of demand merchant in the transaction before adding up, and for special data and demand merchant evaluating empirical value that different types of transaction need be provided, sets up demand merchant evaluating model.
Former client trading master data is combined with special data and customer evaluation parameter empirical value according to different type of transaction needs, the master data of the client trading before utilizing, the master data that client trading is commonly used is classified, with parameter of each class called after, according to the special data called after special parameter of different type of transaction needs, special parameter and other parameter combinations constitute the customer evaluation parameter model of estimating client's creditworthiness;
Utilize customer evaluation parameter empirical value, client's credit appraisal computing formula calculates client's evaluating, and the client's who calculates evaluating result is used for the client is estimated.
Demand merchant's evaluating model comprises a plurality of evaluatings, and evaluating is used for demand merchant's master data is estimated.Each evaluating comprises a standard value, and standard value is used to represent the standard of this parameter when estimating.
It is by after the master data and the special data classification according to different type of transaction needs with former demand merchant's transaction that the standard value of evaluating obtains, each class data according to different transaction data proportions in the demand merchant transaction, is averaged respectively and calculates and weighted calculation.The result of calculation that obtains is compared with demand merchant evaluating empirical value, finally obtain the standard value of this parameter.
Obtain the optimal value of evaluating according to result of calculation, than the figure of merit, worst-case value and than difference, according to the optimal value of measuring and calculating, than the figure of merit, worst-case value and than difference, and the standard value that obtains are divided into five grades of parameter reference points with this parameter.
The evaluating of demand merchant's evaluating model comprises parameter transaction, people's force parameter, purpose parameter, historical record parameter etc.
Be illustrated at this, the information spinner that demand merchant obtains will comprise the transaction essential information, the transaction information for intention, people's force information of transactions history recorded information, demand merchant, these information are classified and with parameter of each class called after, the essential information of will concluding the business is categorized into parameter transaction, and the transaction information for intention is categorized into the purpose parameter, the transactions history recorded information is categorized into the historical record parameter, and people's force parameter is arrived in demand merchant's manpower information classification.
For example demand merchant's parameter transaction value is a basis:
(regional under industry, the demand merchant under demand merchant's numbering, demand merchant's title, demand merchant's type, the demand merchant) is weighted on average with (balance sheet, profit and loss statement, cash flow statement), maximal value is got in the subregion, minimum value, obtain parameter transaction standard value A0, optimal value A1, than figure of merit A2, worst-case value A3 and than difference A4.
The parameter transaction value of people's force information is a basis:
(enterprise personnel is formed information, enterprise personnel schooling information, enterprise personnel labour skills information, enterprise personnel turnover rate information and enterprise personnel hiring date information) be weighted on average, maximal value is got in the subregion, minimum value, obtain manpower parameter and standard value B0, optimal value B1, than figure of merit B2, worst-case value B3 and than difference B4.
The purpose parameter value is a basis:
(required commodity, use-pattern, term of life, required commodity amount, commodity dilivery term, deliver goods requirement, the modes of payments, other requirements, best supplier) is weighted on average, maximal value is got in the subregion, minimum value, obtain parameter and standard value C0, optimal value C1, than figure of merit C2, worst-case value C3 and than difference C4.
The historical record parameter value is a basis:
(demand merchant's creditworthiness, total stroke count of concluding the business, Transaction Success stroke count, the Fail Transaction stroke count, whether the Fail Transaction reason has fund to be in arrears with, fund amount in arrears size, the fund amount in arrears accounts for the ratio of transaction, and whether guaranty is arranged, the guaranty mortgage amount of money accounts for the ratio of transaction, and fund is in arrears with parameters such as time) be weighted on average, maximal value is got in the subregion, minimum value obtains parameter and standard value D0, optimal value D1, than figure of merit D2, worst-case value D3 and than difference D4.
With the corresponding different integrations of parameter value difference that calculate, long-pending 1 minute of standard value A0, long-pending 5 minutes of optimal value A1 amasss 3 fens than figure of merit A2, and worst-case value A3 amasss-5 fens and amasss-3 fens than difference A4.Other parameters roughly the same.
Still be evaluated as example with above-mentioned parameter transaction value and personnel's parameter value,
The parameter transaction evaluation is adopted:
(regional under industry, the demand merchant under demand merchant's numbering, demand merchant's title, demand merchant's type, the demand merchant) is weighted average computation with (balance sheet, profit and loss statement, cash flow statement) and obtains calculation of parameter value a, comparative parameter calculated value a and parameter transaction standard value A0, optimal value A1, than figure of merit A2, worst-case value A3 and compare than difference A4, obtain demand merchant's parameter transaction evaluation of estimate, the evaluation of estimate of all parameters all embodies in the mode of integrated value in the present invention.
At parameter transaction standard value A0 and between, then amass 1 fen as this value a than figure of merit A2.
The evaluation of people's force parameter of people's force information is a basis:
(enterprise personnel is formed information, enterprise personnel schooling information, enterprise personnel labour skills information, enterprise personnel turnover rate information and enterprise personnel hiring date information) be weighted average computation and obtain calculation of parameter value b, comparative parameter calculated value b and manpower parameter and standard value B0, optimal value B1 is than figure of merit B2, worst-case value B3 and than difference B4 obtains demand merchant's manpower parameter evaluation value.
At parameter and standard value B0 and between, then amass-3 fens as this value b than difference B4.
Same, obtaining the purpose parameter, the evaluation of purpose parameter value is a basis:
(required commodity, use-pattern, term of life, required commodity amount, commodity dilivery term, deliver goods requirement, the modes of payments, other requirements, best supplier) is weighted on average, comparative parameter calculated value c, comparative parameter calculated value c and parameter and standard value C0, optimal value C1, than figure of merit C2, worst-case value C3 and than difference C4.
Between parameter is than figure of merit C2 and optimal value C1, then amass 3 fens as this value c.
The evaluation of historical record parameter value is a basis:
(demand merchant's creditworthiness, total stroke count of concluding the business, Transaction Success stroke count, the Fail Transaction stroke count, whether the Fail Transaction reason has fund to be in arrears with, fund amount in arrears size, the fund amount in arrears accounts for the ratio of transaction, and whether guaranty is arranged, the guaranty mortgage amount of money accounts for the ratio of transaction, and fund is in arrears with parameters such as time) be weighted on average, maximal value is got in the subregion, minimum value obtains manpower parameter and standard value D0, optimal value D1, than figure of merit D2, worst-case value D3 and than difference D4.
Between parameter transaction is than difference D4 and worst-case value D3, then amass-5 fens as this value b.
In sum, this demand merchant's parameter integral general comment be above each parameter addition and, this demand merchant's parameter integral general comment is-4 minutes, shows as shown in table 5:
Table 5
| Parameter transaction is estimated | 1 minute |
| The manpower parameter evaluation | -3 minutes |
| The purpose parameter value is estimated | 3 minutes |
| The historical record parameter evaluation | -5 minutes |
| Demand merchant's general comment | -4 minutes |
After demand merchant's creditworthiness estimated, the creditworthiness parameter integral is preserved, to guarantee in subsequent transaction, as the historical record reference.
As shown in Figure 7, be this demand merchant credit value integrated curve figure, as can be seen from the figure, this demand merchant's credit value integration is on a declining curve.
Another embodiment of the present invention provides a kind of method of supplier being carried out credit appraisal.In the present embodiment, customer type is supplier, utilizes this method to be used for supplier is estimated, and as shown in Figure 8, specifically comprises:
Supplier's master data comprises supplier's transaction essential information, transaction information for intention, transactions history recorded information, people's force information etc.
Supplier's transaction essential information comprises supplier's essential information and supplier's financial information.
Wherein, supplier's essential information comprises area under vendor number, vendor name, supplier's type, the affiliated industry of supplier, the supplier;
Vendor number is registered on network before concluding the business for this supplier, the numbering that issues;
Vendor name is the registration title of this supplier when registering on network;
Supplier's type is supplier's the type of business, and the type of business comprises the legal person of unincorporated enterprise, Ltd, company limited by shares, self-employed entrepreneur, sole proprietorship, private partnership enterprise enterprise;
The area is this supplier's address under the supplier.
Industry is the type of dividing according to the industry and commerce trade classification under the supplier, and the type is described to some extent at a last embodiment, does not repeat them here.
Supplier concludes the business essential information for example can be as shown in table 6 below,
Table 6
| Vendor number | Merchant 090202 |
| Vendor name | *** |
| Supplier's type | Ltd |
| Industry under the supplier | Manufacturing industry |
| Area under the supplier | Guangzhou |
Supplier's financial information comprises: balance sheet, profit and loss statement, cash flow statement.The function of balance sheet, profit and loss statement, cash flow statement is described to some extent at a last embodiment, does not repeat them here.
Supplier's essential information also comprises productive capacity information, and productive capacity information comprises the product day output, the product rejection amount, and product rejection rate, cost of products trends etc. in order to characterize supplier's production operating mode, are exemplified below shown in the table 7,
Table 7
| Day output | 10K |
| Learies | 300 |
| |
3％ |
| The cost trend | Chu Qi $5/ spare, Zhong Qi $4/ spare, Hou Qi $3.5/ spare, |
| Month maximum production | 400K |
Supplier's historical transaction record information, total stroke count of concluding the business, the Transaction Success stroke count, the Fail Transaction stroke count, the Transaction Success rate, delivery extension number of times, delivery defer time etc., as shown in table 8 for example,
Table 8
| Total stroke count of concluding the business | 20 |
| The Transaction Success stroke count | 16 |
| The Fail |
4 |
| The |
80％ |
| Delivery extension number of |
2 times |
| The delivery defer time | 7 days for the first time, 5 days for the second time |
The transaction information for intention comprises name of product, minimum trading volume or minimum dealing money, and information such as deliver goods requirement, the transaction information for intention specifically is exemplified below shown in the table 9,
Table 9
Unlike the prior art be, the people's force information that in obtaining supplier's master data, also comprises supplier enterprise, the manpower information of supplier enterprise comprises enterprise personnel composition information, enterprise personnel schooling information, enterprise personnel labour skills information, enterprise personnel turnover rate information and enterprise personnel hiring date information etc., as shown in table 10 for example
Table 10
Supplier's master data is verified and demand merchant's master data verified basic identical, and different is that the basic data type that does not have for supplier also needs to verify, as also needing to verify productive capacity information.
The merchant of intermediary sets up the supplier evaluation parameter model, by the master data of supplier in the transaction before adding up, and for special data and supplier evaluation parameter empirical value that different types of transaction need be provided, sets up the supplier evaluation parameter model.
The supplier evaluation parameter model comprises a plurality of evaluatings, and evaluating is used for supplier's master data is estimated; According to the information type in the master data, supplier's master data is divided into different classes of, a kind of parameter of each type called after, be similar to the demand merchant, supplier's evaluating comprises parameter transaction, people's force parameter, the purpose parameter, historical record parameter etc.
So that parameter transaction is evaluated as example:
(regional under industry, the supplier under vendor number, vendor name, supplier's type, the supplier) is weighted average computation with (balance sheet, profit and loss statement, cash flow statement) and obtains the calculation of parameter value, comparative parameter calculated value and parameter transaction standard value, optimal value, than the figure of merit, worst-case value and compare than difference, obtain demand merchant's parameter transaction evaluation of estimate, the evaluation of estimate of all parameters all embodies in the mode of integrated value in the present invention.Draw this supplier's evaluation integration according to comparative result, after the evaluation integration of different parameters is gathered, obtain this supplier's parameter integral general comment.
After supplier's creditworthiness estimated, the creditworthiness parameter integral is preserved, to guarantee in subsequent transaction, as the historical record reference.
As shown in Figure 9, the embodiment of the invention also provides a kind of equipment that is used to estimate client's credit rating, comprise,
Acquisition module 910 is used to obtain client's master data, and described client's master data comprises people's force information of client's essential information and client;
Calling module 920 is used to call default customer evaluation parameter model;
Wherein, also comprise customer type judge module 940, be used to judge customer type, described customer type comprises demand merchant and supplier.
Wherein, also comprise customer data verification module 950, be used for client's master data is verified.
Wherein, comprise that also parameter model sets up module 960, be used to set up described customer evaluation parameter model, described calling module calls described parameter model and sets up the default customer evaluation parameter model of module.
As shown in figure 10, wherein, parameter model is set up module 960 and is comprised:
Statistics legacy data submodule 961, the master data that is used to add up former client trading, and according to the special data and the customer evaluation parameter empirical value of different type of transaction needs;
Evaluating generates submodule 962, is used for the master data of former client trading is classified, with evaluating of each class called after;
The evaluating model constitutes submodule 963, is used for constituting described customer evaluation parameter model according to described evaluating.
Wherein, comprise parameter reference point generation module 970, be used for according to the master data of former client trading and according to the special data of different type of transaction needs, after the evaluating weighted calculation, result of calculation is divided into five grades of parameter reference points, comprises standard value, optimal value, than the figure of merit, worst-case value and than difference.
As shown in figure 11, wherein, evaluation module 930 comprises:
Evaluating calculating sub module 931 is used for the evaluating calculated value according to described client's master data acquisition client;
Wherein, also comprise database 980, be used for evaluation result is stored to the customer evaluation database.
Above-mentioned module can be distributed in a device, also can be distributed in multiple arrangement.Above-mentioned module can be merged into a module, also can further split into a plurality of submodules.
As shown in figure 12, when carrying out online transaction, subscriber equipment is as the demand for commodity merchant, by server, browser, inquire about the information of required commodity, and learn the supplier of these commodity of supply by data, demand merchant and supplier carry out online transaction by third party bank.
In order to carry out online transaction smoothly, between demand merchant, bank and supplier, should have unified codes and standards, can carry out smoothly to guarantee online transaction.
Ecommerce on the Internet can be divided into three aspects: information service, transaction and payment.Main contents comprise: the advertisement of electronics market conditions; Electronics chooses and the exchange of transaction, electronic transaction voucher; Pay by mails and clearing and online service after sale etc.The major transaction type has enterprise and individual's transaction (B to C mode) and two kinds of transaction (B to B mode) between the enterprise.The entity that participates in ecommerce has four classes: client (individual consumer or group of enterprises), supplier's (comprising dealer, manufacturer, accumulating merchant), bank's (comprise credit card issuer, receive single file) and authentication center.
In wireless network, authentication center is mainly used in the information of transmission, uses with a kind of method and encrypts, and uses with a kind of way to be decrypted again.The symmetry encryption and decryption technique that Here it is often says is called: with one " key " carried out encryption and decryption simultaneously.The sender encrypts the file that is sent with key, and the recipient is decrypted the text of receiving through encrypting with same key again.
Like this, just develop two kinds of keys of use public keys and private key information is carried out encryption and decryption.Litigant's private key is encrypted with own private key by oneself keeping, if someone when wondering the information that the other side passes over, must be decrypted passing through the other side's information encrypted with the other side's public keys.
Authentication center is used for the proprietary public keys of keeping, confirms that a certain public keys is a certain litigant really, thus guarantee transaction to as if real.Therefore, when carrying out online transaction, both parties are the at first approval at access authentication center just, obtains the key of concluding the business, and can carry out arm's length transaction then.
The embodiment of the invention on the basis of existing technology, adopt the transaction third party of mediation device as demand merchant terminal and vendor terminal, before concluding the business, demand merchant's terminal or vendor terminal need at first to connect with mediation device, mediation device is for guaranteeing the reliability of transaction, avoid Fail Transaction occurring in the transaction, can require demand merchant terminal and vendor terminal that separately relevant information is provided respectively, mediation device is to these information, and the relevant information of demand merchant terminal fed back to vendor terminal, or with the information feedback of vendor terminal to demand merchant terminal, mediation device is by providing the other side's relevant information to both parties, being used for demand merchant terminal or vendor terminal can understand the counterpart, both parties have been improved in the online transaction to the other side's trusting degree, avoid because of the counterpart is short in understanding the online transaction failure that careless transaction etc. causes.
,, when carrying out online transaction, carry out information interaction by mediation device and be connected, and parties is verified as the third party with mediation device, improved both parties' transaction degree of belief, reduce the online transaction mortality by mediation device with network.
The embodiment of the invention one provides a kind of method that online transaction connects that is used for, and as shown in figure 13, comprising:
Wherein, when described master terminal was demand merchant terminal, described terminal was vendor terminal, received outside the inferior terminal transaction information for intention of described terminal transmission, also receive the products transactions information of described terminal transmission, and transmit described products transactions information to described master terminal.
Wherein, when described master terminal was vendor terminal, described terminal was demand merchant terminal.
Wherein, describedly when mediation device is determined to connect with described master terminal according to intermediary's transaction request information of master terminal, connect, specifically comprise with described master terminal:
After described mediation device is chosen, receive intermediary's transaction request information that described master terminal sends;
Described mediation device is according to described intermediary transaction request information, and whether assessment connects with described master terminal, and assessment result is packaged into intermediary's transaction feedback information, sends to described master terminal;
When the assessment result of described intermediary transaction feedback information connects for setting up intermediary, connect with described master terminal.
Wherein, before the inferior terminal transaction information for intention that described terminal of described reception sends, also comprise:
After selected described the terminal of described mediation device, transmit described master terminal transaction information for intention to described terminal;
When described terminal determined to connect with described mediation device, described mediation device and described terminal connected.
Wherein, the inferior terminal transaction information for intention that described terminal of described reception sends, and to described terminal transaction information for intention of described master terminal forwarding, specifically comprise:
Receive the inferior terminal transaction information for intention of described terminal transmission, after described terminal transaction information for intention deposited in addition, transmit described terminal transaction information for intention to described master terminal.
Wherein, inferior terminal of described master terminal transaction information for intention is satisfied in described inquiry, comprises satisfying the conclude the business inferior terminal of information for intention of described master terminal in the inferior terminal that satisfies described master terminal transaction information for intention in the inquiry mediation device database and the requester network.
It is pointed out that the embodiment of the invention only for an embodiment of this programme, according to actual conditions, the sequence of steps in the embodiment of the invention can adjust accordingly.
Provide mediation device as the third party, when carrying out online transaction, carry out information interaction by mediation device and be connected, and parties is verified, improved both parties' transaction degree of belief, reduce the online transaction mortality by mediation device with network.
Also need to have for the merchant of intermediary among the present invention and have the qualification proof that to serve as online transaction intermediary, obtain the approval of relevant departments or have corresponding qualification certificate, licence plate, qualifications and record of service etc.
These intermediaries also need to have stable and the sound webserver and corresponding network service system, and being used for can provide intermediary sevices on network after demand merchant and intermediary set up intermediary sevices and concern.
In addition, the intermediary of selection should be able to have approval at the described industrial field of demand merchant, can have delegation capabilities by the described industrial field of couple demand merchant.
The evaluate parameter of intermediary specifically for example can be as shown in table 1 below,
Table 1
| Intermediary's qualification authentication | Authentication is passed through |
| The |
3 years |
| Mediator deputy people quantity | 30 people |
| Intermediary's |
5 years |
| Intermediary's scope of business | Business Administration, the following case of every transaction volume 500K |
| Intermediary manages the case sum | 100 |
| Intermediary manages case success quantity | 89 |
| Intermediary manages case failure quantity | 11 |
| Intermediary manages the case success ratio | 89％ |
The network evaluation of intermediary specifically for example can be as shown in table 2 below,
Table 2
| Router | 10 |
| |
5 |
| Switch | |
| 3 | |
| The system of |
4 groups |
| The network connection traffic | 100M |
| The stolen number of times of |
0 time |
| The |
5 grades |
| Interface | **** |
| Connected mode | **** |
Vendor server is according to the agreement of reaching in transaction with the demand merchant, send supplied goods feasibility information to the merchant of intermediary, this supplied goods feasibility information comprises supplier's productive capacity, production model, etc. information, the merchant of intermediary assesses this supplied goods feasibility information, whether assessment demand merchant can reach described transaction, when assessment result thought that transaction is feasible, the merchant of intermediary notified supplier's assessment result feasible for transaction, and suggestion demand merchant continues to carry out transaction.
In embodiments of the present invention, authentication center also can be the part of mediation device, and authentication center directly according to the demand of mediation device, provides authentication to mediation device, and issues the authentication licence plate to both parties.
When concluding the business, the transaction request information that sends from parties that mediation device will receive, and this transaction request information sent to authentication center, authentication center authenticates parties according to the transaction request information that receives.This parties can be demand merchant terminal or vendor terminal,
Authentication center is according to the difference of type of transaction, and mediation device authenticates accordingly to the difference of the needed authentication of concluding the business.Concrete, as in quality system certification, can carry out following authentication:
Product certification, as the CCC product certification, CQC indicates authentication, certification of energy-conserving product etc.;
System certification, ISO (International Standards Organization, ISO (International Standards Organization)) 9001 authentications, the ISO14001 authentication, OHSMS (Occupational Health and Safety Management Systems, Occupational Health and Safety series standard) 18001 authentications etc.;
International authentication, comprise (Certification Bodies as CB, certification authority) authentication, CE (European Conformity, the European Economic Community) authentication, RoHS (some objectionable impurities instruction is used in restriction among the Restriction of the use of certain Hazardous Substances in electrical and electronic equipment, electric, electronic equipment) authentication etc.
Provide mediation device as the third party, when carrying out online transaction, carry out information interaction by mediation device and be connected, and parties is verified, improved both parties' transaction degree of belief, reduce the online transaction mortality by mediation device with network.And authentication center authenticates accordingly according to the demand of mediation device, reduces being connected between mediation device and the authentication center, shortens the transaction authentication time.
Through the above description of the embodiments, those skilled in the art can be well understood to the present invention and can realize by hardware, also can realize by the mode that software adds necessary general hardware platform.Based on such understanding, technical scheme of the present invention can embody with the form of software product, it (can be CD-ROM that this software product can be stored in a non-volatile memory medium, USB flash disk, portable hard drive etc.) in, comprise some instructions with so that computer equipment (can be personal computer, server, the perhaps network equipment etc.) carry out the described method of each embodiment of the present invention.
Claims (10)
1. a method that is used to estimate client's credit rating is characterized in that, comprise,
Obtain client's master data, described client's master data comprises people's force information of client's essential information and client;
Call default customer evaluation parameter model;
Master data and the pairing evaluating model of described client according to described client are estimated described client's credit rating.
2. the method for claim 1 is characterized in that, before the described master data of obtaining the client, also comprises the judgement customer type, and described customer type comprises demand merchant and supplier.
3. the method for claim 1 is characterized in that, described client's master data also comprises one or more following information: transaction information for intention, transactions history recorded information;
Described client's manpower information data comprises one or more following information: client's enterprise personnel is formed information, client's enterprise personnel schooling information, client's enterprise personnel labour skills information, client's enterprise personnel turnover rate information.
4. the method for claim 1 is characterized in that, describedly calls default customer evaluation parameter model and comprises and set up the customer evaluation parameter model:
The master data of client trading before the statistics, and according to the special data and the customer evaluation parameter empirical value of different type of transaction needs;
The master data of former client trading is classified, with evaluating of each class called after;
Constitute described customer evaluation parameter model according to described evaluating.
5. the method for claim 1 is characterized in that, according to described client's master data and the pairing evaluating model of described client described client's credit rating is estimated, and also comprises before:
According to the master data of former client trading and according to the special data of different type of transaction needs, after the evaluating weighted calculation, result of calculation is divided into five grades of parameter reference points, comprise standard value, optimal value, than the figure of merit, worst-case value and than difference.
6. method as claimed in claim 5 is characterized in that, according to described client's master data and the pairing evaluating model of described client described client's credit rating is estimated, and comprising:
Obtain client's evaluating calculated value according to described client's master data;
More described evaluating calculated value and described evaluating carry out credit appraisal to the client.
7. an equipment that is used to estimate client's credit rating is characterized in that, comprise,
Acquisition module is used to obtain client's master data, and described client's master data comprises people's force information of client's essential information and client;
Calling module is used to call default customer evaluation parameter model;
Evaluation module is used for according to described client's master data and the pairing evaluating model of described client described client's credit rating being estimated.
8. equipment as claimed in claim 7 is characterized in that, also comprises
The customer type judge module is used to judge customer type, and described customer type comprises demand merchant and supplier;
Customer data is verified module, is used for client's master data is verified;
Parameter model is set up module, is used to set up described customer evaluation parameter model, and described calling module calls described parameter model and sets up the default customer evaluation parameter model of module;
Parameter reference point generation module is used for according to the master data of former client trading and according to the special data of different type of transaction needs, after the evaluating weighted calculation, result of calculation is divided into five grades of parameter reference points, comprises standard value, optimal value, than the figure of merit, worst-case value and than difference.
9. equipment as claimed in claim 8 is characterized in that, parameter model is set up module and comprised:
Statistics legacy data submodule, the master data that is used to add up former client trading, and according to the special data and the customer evaluation parameter empirical value of different type of transaction needs;
Evaluating generates submodule, is used for the master data of former client trading is classified, with evaluating of each class called after;
The evaluating model constitutes submodule, is used for constituting described customer evaluation parameter model according to described evaluating.
10. equipment as claimed in claim 7 is characterized in that evaluation module also comprises:
The evaluating calculating sub module is used for the evaluating calculated value according to described client's master data acquisition client;
The comparative evaluation submodule is used for more described evaluating calculated value and described evaluating, and the client is carried out credit appraisal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009100867858A CN101937541A (en) | 2009-06-30 | 2009-06-30 | Method and device for evaluating client credit |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009100867858A CN101937541A (en) | 2009-06-30 | 2009-06-30 | Method and device for evaluating client credit |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101937541A true CN101937541A (en) | 2011-01-05 |
Family
ID=43390858
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2009100867858A Pending CN101937541A (en) | 2009-06-30 | 2009-06-30 | Method and device for evaluating client credit |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101937541A (en) |
Cited By (19)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102890803A (en) * | 2011-07-21 | 2013-01-23 | 阿里巴巴集团控股有限公司 | Method and device for determining abnormal transaction process of electronic commodity |
| CN102903051A (en) * | 2012-10-11 | 2013-01-30 | 惠龙港国际钢铁物流股份有限公司 | Automotive/boat member credit evaluating method based on network |
| CN103886473A (en) * | 2013-09-29 | 2014-06-25 | 上海本家空调系统有限公司 | Method and system for determining network transaction article suppliers |
| CN103942708A (en) * | 2013-09-30 | 2014-07-23 | 上海本家空调系统有限公司 | Method and system for evaluating regional customers |
| CN104424572A (en) * | 2013-08-28 | 2015-03-18 | 国家广播电影电视总局广播科学研究院 | Digital household shopping merchant credit evaluation method |
| CN104504570A (en) * | 2014-12-01 | 2015-04-08 | 武汉爱科软件技术有限公司 | Credit evaluation method for transaction subjects on cloud manufacturing service platform |
| CN104851039A (en) * | 2015-04-28 | 2015-08-19 | 信而量数据科技(上海)有限公司 | Personal information data integration system and method |
| CN106127363A (en) * | 2016-06-12 | 2016-11-16 | 腾讯科技（深圳）有限公司 | A kind of user credit appraisal procedure and device |
| CN106250481A (en) * | 2016-07-29 | 2016-12-21 | 深圳市永兴元科技有限公司 | Data digging methods based on big data and device |
| CN108388976A (en) * | 2018-01-17 | 2018-08-10 | 鲜大立 | The detection method of cultural soft power value based on cultural gene quality, device |
| WO2018176179A1 (en) * | 2017-03-27 | 2018-10-04 | 杭州呯嘭智能技术有限公司 | Rapid settlement method for cross-border payment based on big credit data |
| CN108830769A (en) * | 2018-06-21 | 2018-11-16 | 甘肃万维信息技术有限责任公司 | The method and system of part is done in a kind of electronic application |
| CN109034729A (en) * | 2018-07-02 | 2018-12-18 | 深圳市诺信连接科技有限责任公司 | A kind of contract automatic management method |
| CN109118387A (en) * | 2018-08-03 | 2019-01-01 | 四川民工加网络科技有限公司 | The total packet evaluation of enterprises credit of building, block chain and storage medium based on block chain |
| WO2019080584A1 (en) * | 2017-10-23 | 2019-05-02 | 匡海云 | Online transaction method |
| CN110192217A (en) * | 2016-02-18 | 2019-08-30 | 株式会社野村综合研究所 | Information processing unit, information processing method and computer program |
| CN113298641A (en) * | 2021-05-21 | 2021-08-24 | 中国建设银行股份有限公司 | Integrity degree cognition method and device |
| CN116029811A (en) * | 2022-12-23 | 2023-04-28 | 杭州快付连接科技有限公司 | Bank marketing business digital management system, intelligent equipment and storage medium |
| CN116385195A (en) * | 2023-04-19 | 2023-07-04 | 福州年科信息科技有限公司 | Enterprise intelligent management system based on big data and intelligent office |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1790414A (en) * | 2005-12-26 | 2006-06-21 | 阿里巴巴公司 | Credit data processing method and system |
| CN101038643A (en) * | 2006-03-13 | 2007-09-19 | 腾讯科技（深圳）有限公司 | Method for credit scoring method of electronic trade |
| CN101261717A (en) * | 2008-04-09 | 2008-09-10 | 北京航空航天大学 | Subjective trust evaluation method based on cloud model |
| CN101398925A (en) * | 2008-11-14 | 2009-04-01 | 中国工商银行股份有限公司 | System and method for financing from banking house by external credit system of the bank |
-
2009
- 2009-06-30 CN CN2009100867858A patent/CN101937541A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1790414A (en) * | 2005-12-26 | 2006-06-21 | 阿里巴巴公司 | Credit data processing method and system |
| CN101038643A (en) * | 2006-03-13 | 2007-09-19 | 腾讯科技（深圳）有限公司 | Method for credit scoring method of electronic trade |
| CN101261717A (en) * | 2008-04-09 | 2008-09-10 | 北京航空航天大学 | Subjective trust evaluation method based on cloud model |
| CN101398925A (en) * | 2008-11-14 | 2009-04-01 | 中国工商银行股份有限公司 | System and method for financing from banking house by external credit system of the bank |
Cited By (24)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102890803B (en) * | 2011-07-21 | 2016-01-06 | 阿里巴巴集团控股有限公司 | The defining method of the abnormal process of exchange of electronic goods and device thereof |
| CN102890803A (en) * | 2011-07-21 | 2013-01-23 | 阿里巴巴集团控股有限公司 | Method and device for determining abnormal transaction process of electronic commodity |
| CN102903051A (en) * | 2012-10-11 | 2013-01-30 | 惠龙港国际钢铁物流股份有限公司 | Automotive/boat member credit evaluating method based on network |
| CN104424572A (en) * | 2013-08-28 | 2015-03-18 | 国家广播电影电视总局广播科学研究院 | Digital household shopping merchant credit evaluation method |
| CN103886473A (en) * | 2013-09-29 | 2014-06-25 | 上海本家空调系统有限公司 | Method and system for determining network transaction article suppliers |
| CN103942708A (en) * | 2013-09-30 | 2014-07-23 | 上海本家空调系统有限公司 | Method and system for evaluating regional customers |
| CN104504570A (en) * | 2014-12-01 | 2015-04-08 | 武汉爱科软件技术有限公司 | Credit evaluation method for transaction subjects on cloud manufacturing service platform |
| CN104851039A (en) * | 2015-04-28 | 2015-08-19 | 信而量数据科技(上海)有限公司 | Personal information data integration system and method |
| CN110192217A (en) * | 2016-02-18 | 2019-08-30 | 株式会社野村综合研究所 | Information processing unit, information processing method and computer program |
| CN106127363B (en) * | 2016-06-12 | 2022-04-15 | 腾讯科技（深圳）有限公司 | User credit assessment method and device |
| CN106127363A (en) * | 2016-06-12 | 2016-11-16 | 腾讯科技（深圳）有限公司 | A kind of user credit appraisal procedure and device |
| CN106250481A (en) * | 2016-07-29 | 2016-12-21 | 深圳市永兴元科技有限公司 | Data digging methods based on big data and device |
| WO2018176179A1 (en) * | 2017-03-27 | 2018-10-04 | 杭州呯嘭智能技术有限公司 | Rapid settlement method for cross-border payment based on big credit data |
| WO2019080584A1 (en) * | 2017-10-23 | 2019-05-02 | 匡海云 | Online transaction method |
| CN108388976A (en) * | 2018-01-17 | 2018-08-10 | 鲜大立 | The detection method of cultural soft power value based on cultural gene quality, device |
| CN108830769A (en) * | 2018-06-21 | 2018-11-16 | 甘肃万维信息技术有限责任公司 | The method and system of part is done in a kind of electronic application |
| CN109034729A (en) * | 2018-07-02 | 2018-12-18 | 深圳市诺信连接科技有限责任公司 | A kind of contract automatic management method |
| CN109034729B (en) * | 2018-07-02 | 2023-01-31 | 深圳市诺信连接科技有限责任公司 | Automatic contract management method |
| CN109118387A (en) * | 2018-08-03 | 2019-01-01 | 四川民工加网络科技有限公司 | The total packet evaluation of enterprises credit of building, block chain and storage medium based on block chain |
| CN113298641A (en) * | 2021-05-21 | 2021-08-24 | 中国建设银行股份有限公司 | Integrity degree cognition method and device |
| CN116029811A (en) * | 2022-12-23 | 2023-04-28 | 杭州快付连接科技有限公司 | Bank marketing business digital management system, intelligent equipment and storage medium |
| CN116029811B (en) * | 2022-12-23 | 2023-09-15 | 杭州快付连接科技有限公司 | Bank marketing business digital management system, intelligent equipment and storage medium |
| CN116385195A (en) * | 2023-04-19 | 2023-07-04 | 福州年科信息科技有限公司 | Enterprise intelligent management system based on big data and intelligent office |
| CN116385195B (en) * | 2023-04-19 | 2024-04-12 | 助流(佛山)科技有限公司 | Enterprise intelligent management system based on big data and intelligent office |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN101937541A (en) | Method and device for evaluating client credit | |
| US10909620B2 (en) | Method and apparatus to evaluate and provide funds in online environments | |
| JP5852886B2 (en) | Device for providing liquid funds in an online auction marketplace environment | |
| JP2012501013A (en) | Online processing for offshore business transactions | |
| US11983767B2 (en) | Apparatus to provide liquid funds in the online auction environment | |
| WO2010069232A1 (en) | Method and system for electronic transaction platform based on network | |
| KR102020006B1 (en) | Electronic commerce system and method for writing authority of review | |
| CN104123658A (en) | Network loan purchase system and platform based on purchase plan and deposit plan | |
| CN108876598A (en) | A kind of loan supermarket system | |
| US20230222568A1 (en) | Product transaction management computer, product transaction system, and product transaction method | |
| KR101666083B1 (en) | System and method for evaluating loan based on sale credit | |
| US20140324662A1 (en) | Systems and Methods for Trading Electrical Power | |
| Masterson | Collecting Sales and Use Tax on Electronic Commerce: E-Confusion or E-Collection | |
| CN114282929A (en) | Block chain communication certificate-based rice supply chain digital transaction method | |
| KR101666084B1 (en) | System and method for managing loan based on sale credit | |
| CN112598452A (en) | E-commerce trial evaluation system capable of meeting user requirements | |
| JP2007334718A (en) | Point trading service system | |
| KR102646362B1 (en) | Server, method and computer-readable storage medium for providing security token based on carbon credit | |
| JP5665157B1 (en) | Credit screening system | |
| KR102646512B1 (en) | Server, method and computer-readable storage medium for obtaining carbon credit through operation of platform service that provides reward based on event of replacing transportation | |
| KR102450089B1 (en) | A Virtual(Crypto)-Assets Trading System that allows Profit Distribution for Mileage and a Method of Creating Profit using the same | |
| KR20140020407A (en) | Group purchasing service providing server and method of providing group purchasing service using the saame | |
| Agarwal et al. | The “New” World of Negotiating: Interactions Mediated by Information Technology | |
| KR101250972B1 (en) | Electronic trade settlement system and method through e-market place to e-market place | |
| Fox et al. | The SSTP and technology: Implications for the future of the sales tax |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20110105 |