CN108470307A - A kind of online dynamic credit evaluating system method based on seller's credit score value - Google Patents
A kind of online dynamic credit evaluating system method based on seller's credit score value Download PDFInfo
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- CN108470307A CN108470307A CN201810268905.5A CN201810268905A CN108470307A CN 108470307 A CN108470307 A CN 108470307A CN 201810268905 A CN201810268905 A CN 201810268905A CN 108470307 A CN108470307 A CN 108470307A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
Abstract
The invention discloses a kind of online dynamic credit evaluating system methods based on seller's credit score value, including buyer, the seller, online credit appraisal platform.The price of buyer's purchase commodity quantifies, converts during online credit appraisal platform or the seller merchandise single, is indicated in the form of credit score value, and held by buyer.Buyer is according to the description of the commodity of the seller or service, promise and realizes situation from the held credit score value of main regulation to be expressed as buyer the Real-Time Evaluation of seller's credit, and obtains corresponding evaluation dividend according to held credit score value after buyer is limited to reach holding period.The method of the present invention is conducive to the dynamic truly expressed of online credit and portrays, and buyer and seller is promoted to grow up jointly, and excitation buyer plays an active part in, objective evaluation, and the dynamic realtime supervision and risk, fraud for being more advantageous to online credit market identify.
Description
Technical field
It is the present invention relates to internet Credit System Construction field, more particularly to a kind of based on the online of seller's credit score value
Dynamic credit evaluating system method.
Background technology
E-commerce makes traditional " acquaintance society " to become modern " stranger society ", fast-developing e-commerce
The problem of information asymmetry there is higher degree is compared with traditional market in market.Therefore, online transaction is distinctive virtual
E-commerce market is easily caused non-honest behavior occur, according to CNNIC2015 publications《Chinese online-shopping market research
Report》Show that, by December, 2015, up to 4.13 hundred million, national network retail transaction volume reaches China's customers scale
Total degree is merchandised up to 25,600,000,000 times in 3.88 trillion yuans, online-shopping market.Website/businessman's prestige become net purchase user's decision when most
For one of the factor of concern, attention rate reaches 68.7%.Problem has become internet Credit System Construction in terms of online credit
In it is unavoidable reality hinder, seriously restrict the development of e-commerce, or even directly affect Chinese society basis credit body
The formation that system builds is perfect.Internet arena is just there is an urgent need to innovate and improve existing online credit assessment method, to solve
Current outstanding problem.
Also there is relevant online dynamic credit evaluating system method at present, as Chinese Patent Application No. is
CN201610868033.7, publication date 2 months 2017 8, entitled " timeslot-based e-commerce transaction overall situation dynamic credit
Evaluation method and system ".This application proposes electric commerce credit assessment using time series as basic point, using more credit index bodies
System carries out credit appraisal to transaction agent, and evaluation procedure has certain stage, dynamic and timeliness.But this method is still
Using in buyer's evaluation procedure, other influence factors are embodied in taking human as the form of the subjective weight of setting in evaluation index,
It is difficult to the true credit appraisal result of each buyer of objective expression, it is also difficult to cover all influence factors.In addition, this method is emphasized
Be still global bulking property credit scoring model, ignore single buyer single transaction in credit appraisal information representation.
It can just be conducive to embody the dynamic of seller's entirety credit by the expression of the credit appraisal multidate information of single buyer, more favorably
In the detection and early warning of credit fraud.
The problem of online transaction is more and more common, online credit appraisal is but more and more prominent.Compare the online of relative abundance
Transaction Information, online credit appraisal information portraying and obtaining in method substantially but never development.This problem is serious
Hinder the development of online transaction, it has also become domestic and international critical issue urgently to be resolved hurrily at present.In actual application environment, at present
Be related to buyer, the online credit appraisal of the seller it is most frequent be C2C e-commerce.For it, there are still part key problem
It is as follows：
(1) it is affected by trading volume with the credit assessment method of simple accumulated weights credit score, easily induces the seller
Malice is brushed single.And this amount it is simple accumulative only show be seller's entirety credit partial dynamic variation, can not effective body
The variation of seller's credit more detail, dynamic in existing single process of exchange.
(2) existing online credit assessment method is only given a mark and is adjusted to seller's credit with fixed numbers, causes
Buyer is limited to the expression degree of seller's credit.The setup measures of platform are affected by subjective factor, in evaluation result and its
In value there are larger deviation, evaluation procedure is easily interfered by human factor, and credit appraisal result is caused to lack authenticity.
(3) the online credit assessment method under current C2C patterns, credit appraisal result and buyer without direct advantages and disadvantages relation,
Buyer is caused to participate in evaluation enthusiasm inadequate, and the seller influences buyer by unreasonable means intervention and evaluates behavior, and buyer
Also the seller can be coordinated to carry out false evaluation because of individual interest.
Invention content
It is a kind of based on seller's credit score value present invention aims at providing for the deficiency of existing credit appraisal system
Online dynamic credit evaluating system method, realizes that online credit appraisal is synchronous with the expression of online credit worthiness, and evaluation procedure is without artificial ginseng
Number interference reflects the true credit of the seller with the evaluation method of the completely spontaneous perception of buyer.From buyer to the evaluation table of seller's credit
Start with up to variation, portrays seller's entirety credit dynamic using single transaction dynamic evaluation, while enhancing credit dynamic realtime prison
Pipe and risk, fraud recognition capability, have important theoretical research and actual application value.
To achieve the above object, present invention employs following technical schemes：
A kind of online dynamic credit evaluating system method based on seller's credit score value, the method be related to buyer, the seller with
And online credit appraisal platform, the evaluation method include the following steps：
Step 1. buyer, the seller carry out registration/certification on online credit appraisal platform in advance；
After step 2. buyer places an order and pays, online credit appraisal platform or the seller lead to the price P of the purchased commodity of buyer
It crosses conversion coefficient K and is converted into seller's initial credit integrated value S0, and the value is held by buyer, it is S1, S1Initial value is equal to S0；It is described
Conversion coefficient K includes：The purchased merchandise classification COEFFICIENT K of buyerT, seller's credit level COEFFICIENT KSWith buyer credit classification coefficient KB；Institute
State the purchased merchandise classification COEFFICIENT K of buyerTIt can be class commodity COEFFICIENT K in kindT1Or virtual class commodity COEFFICIENT KT2；
Step 3. holds seller's credit score value S in buyer1During, buyer is according to the commodity of the seller or retouching for service
State, promise to undertake and realize that node adjusts held credit score value to situation at any time or at a fixed time on online credit appraisal platform
Size, which is to reflect buyer to the evaluation expression of seller's credit, wherein 0≤S1≤S0；Buyer is adjusted every time
Word or metrics evaluation can be accompanied by；The index includes describing be consistent situation, seller's service scenario, logistics timeliness, delivery service
And after-sale service；It sells to give in each adjusting node and reply, and the held credit score value of buyer can be underground to the seller；
Buyer holds seller's credit score value S1Time limit be known as buyer and hold the time limit, the time limit is by online credit appraisal platform or the seller
Regulation；
Step 4. is after buyer is limited to reach holding period, according to segmentum intercalaris when being exchanged as defined in online credit appraisal platform or the seller
Point, the credit score value S that buyer will be held1Corresponding evaluation dividend amount of money R is obtained by exchanging；
The dynamic credit that step 5. seller is merchandised based on single holds the credit score in the time limit with the buyer of the transaction
The credit appraisal curve that the dynamic change of value is formed is expressed, while being aided with the evaluation index information and word letter adjusted on node
Breath；
The whole credit information of step 6. seller is by all buyer credits merchandised with the seller in a period of time
Appraisal curve collection and static evaluation index, dynamic assessment index reflect；It also can be by dynamic window method or/and orthogonal minimum two
The credit appraisal indicatrix or/and trend curve that multiplication obtains are expressed to portray.
Further, in step 1, it is online to be independently of buyer, the third party of the seller for the online credit appraisal platform
The network platform, the platform can depend on it is therein one or both；It the Function of Evaluation of the online credit appraisal platform and comments
Valence flow can be independent or incorporates B2C, C2C and B2B sales platform；The evaluation information of the online credit appraisal platform can pass through
Evaluation index, evaluation language or word, appraisal curve and various data visualization means show various evaluation informations to user.
Further, in step 2, the buyer credit classification coefficient KBRefer to for the buyer's A sampling currently merchandised
The buyer for selecting other to merchandise, and carries out classification discrimination according to all buyer's evaluation informations, according to the ratio of similarity degree or
Distribution situation obtains buyer credit grade classification and credit level coefficient；It is at one section that other selected transaction, which need to meet,
The transaction that corresponding buyer holds the time limit is had reached in time, and the commodity that buyer buys in other transaction are bought with what is currently merchandised
The commodity of square A purchase are identical/similar commodity；The buyer credit grade classification, sorting technique include clustering, god
Through network and data envelope analysis, one of which or several method combination may be used；Seller's credit level COEFFICIENT KSIt is
Finger has reached the All Activity that buyer holds the time limit whithin a period of time, by always holding with all buyers that the seller merchandises
Rate or/and total credit score average value obtain the classification of seller's credit level and credit level coefficient；Can also by with the seller
The distribution situation for holding rate or/and credit score average value of all buyers to merchandise is classified to obtain seller's credit level
And credit level coefficient.
Further, in step 4, the evaluation dividend amount of money R can be exchanged by following formula：
R=FP1；
Wherein, F is to preset the fixed seller between exchanging timing node twice always to share out bonus the amount of money or the seller twice
A part for total transaction amount or profit is divided between exchanging timing node, P1It is that the held credit score value of the buyer accounts for all buyers
The ratio of held credit score value summation；Moreover, between timing node is exchanged as defined in online credit appraisal platform or the seller twice
All common participation in the profit of buyer for reaching buyer and holding the time limit.
Further, in steps of 5, the evaluation index information can be that buyer provides according to evaluation index in step 3
Visual evaluation information, can also be the potential evaluation information that following index provides：
A, single holds rate：Refer to buyer and holds credit score value S1Account for seller's initial credit integrated value S0Ratio, single holds
There is rate higher, shows that buyer thinks that seller's credit is better；
B, single credit score value variation tendency：Finger is held in buyer in the time limit, the credit score value based on single transaction
S1Situation of change classification, be divided into positive growth, negative growth and zero growth rate；All kinds of opposite variations determine selling based on the transaction
Fang Xinyong alteration trends；
C, single credit score average value：Finger is held in buyer in the time limit, the held credit score on different time node
Value S1Summation with adjust number ratio normalization result；Single credit score average value is higher, shows that buyer thinks to sell
Fang Xinyong is better.
Further, in step 6, the static evaluation index is by all buyers provide in a period of time language
Adopted word evaluation information carries out the comprehensive evaluation index that semantic excavation is obtained with clustering；The dynamic assessment index is root
According to all following dynamic indicators provided with the buyer credit appraisal curve collection that the seller merchandises in a period of time：
A, always hold rate：All buyers hold credit score value S1Summation account for seller's initial credit integrated value S0Summation
Ratio；It is higher always to hold rate, shows that seller's credit is higher；
B, total credit score value variation tendency：The credit score value S that all buyers hold1Classified by alteration trend,
It is divided into positive growth, negative growth and zero growth rate；All kinds of opposite variations determine the trend that seller's entirety credit changes；
C, total credit score average value：The single credit score average value summation of seller's All Activity and the total pen of seller transaction
Several ratio；Total credit score average value is bigger, and seller's credit is better.
The advantageous effect that technical solution provided by the invention is brought is：
(1) it from seller's initial credit integral of every transaction, is adjusted as to seller's credit by the spontaneous perception of buyer
The expression of evaluation, without artificial parameter intervention, credit appraisal result is more objective, true for evaluation procedure, and credit appraisal information is portrayed
More details, dynamic can effectively embody the variation of seller's credit more detail, dynamic in single process of exchange；
(2) magnitude of value conversion of credit score, contains the actual association of seller's operation, further through the shape for returning bonus
Formula, stimulation buyer participates in and Positive evaluation, and eliminating the seller indirectly influences the intervention that buyer evaluates by unreasonable means, has
Effect is evaded buyer and is conspired indirectly, and buyer is promoted to pay close attention to seller's sustainable development；
(3) the whole credit of the seller can not only be reached by simple summated scale, portrayed jointly there is also multiple indexs and
Expression.It is no longer single to the credit investigation of the new seller, " credit discrimination " phenomenon is not present.In addition, the seller based on single transaction
The embodied seller's totality credit of credit information expression more refines and mobilism, is more advantageous to the dynamic of online credit market
Real-time monitoring is identified with risk, fraud, meets current demand.
Description of the drawings
Fig. 1 is the flow chart of the method for the present invention；
Fig. 2 is evaluation procedure curve of the buyer based on credit score value.
Specific implementation mode
In order to deepen the understanding of the present invention, below in conjunction with embodiment and attached drawing, the invention will be further described, should
Embodiment is only used for explaining the present invention, does not restrict the protection scope of the present invention.
A kind of online dynamic credit evaluating system method based on seller's credit score value of the present invention, as depicted in figs. 1 and 2,
The method of the invention is related to buyer, the seller and online credit appraisal platform, the evaluation method and includes the following steps：
Step 1. buyer, the seller carry out registration/certification on online credit appraisal platform in advance；
The online credit appraisal platform is independently of the online network platform of third party of buyer, the seller, which can be with
Depend on it is therein one or both；The Function of Evaluation and evaluation rubric of online credit appraisal platform can it is independent or incorporate B2C,
C2C and B2B sales platforms；The evaluation information of online credit appraisal platform can by evaluation index, evaluation language or word, comment
Valence curve and various data visualization means show various evaluation informations to user.
After step 2. buyer places an order and pays, online credit appraisal platform or the seller lead to the price P of the purchased commodity of buyer
It crosses conversion coefficient K and is converted into seller's initial credit integrated value S0, and the value is held by buyer, it is S1, S1Initial value is equal to S0；Conversion
COEFFICIENT K includes：The purchased merchandise classification COEFFICIENT K of buyerT, seller's credit level COEFFICIENT KSWith buyer credit classification coefficient KB；It is described to buy
The purchased merchandise classification COEFFICIENT K in sideTIt can be class commodity COEFFICIENT K in kindT1Or virtual class commodity COEFFICIENT KT2；
The buyer credit classification coefficient KBRefer to the buyer that other are merchandised for the buyer's A sampling selection currently merchandised,
And classification discrimination is carried out according to all buyer's evaluation informations, buyer's letter is obtained according to the ratio of similarity degree or distribution situation
With grade classification and credit level coefficient.It is to have reached accordingly to buy whithin a period of time that other selected transaction, which need to meet,
The transaction in Fang Chiyou time limits, and in other transaction buyer's commodity bought and the commodity of the buyer A currently to merchandise purchases be it is identical/
Similar commodity；The buyer credit grade classification, sorting technique include clustering, neural network and data envelope analysis,
One of which or several method combination may be used；Seller's credit level COEFFICIENT KSRefer to having reached whithin a period of time
Buyer holds the All Activity in time limit, flat by always holding rate or/and total credit score with all buyers that the seller merchandises
Mean value come obtain the seller's credit level classification and credit level coefficient；It can also pass through all buyers' to merchandise with the seller
Hold the distribution situation of rate or/and credit score average value to obtain the classification of seller's credit level and credit level coefficient.
Step 3. holds seller's credit score value S in buyer1During, buyer is according to the commodity of the seller or retouching for service
State, promise to undertake and realize that node adjusts held credit score value to situation at any time or at a fixed time on online credit appraisal platform
Size, which is to reflect buyer to the evaluation expression of seller's credit, wherein 0≤S1≤S0；Buyer is adjusted every time
Word evaluation or metrics evaluation can be accompanied by；The metrics evaluation include description be consistent situation, seller's service scenario, logistics timeliness,
Delivery service and after-sale service；It sells to give in each adjusting node and reply, and the held credit score value of buyer can to selling
With underground；Buyer holds seller's credit score value S1Time limit be known as buyer and hold the time limit, the time limit is by online credit appraisal
Platform or seller's regulation；
Step 4. is after buyer is limited to reach holding period, according to segmentum intercalaris when being exchanged as defined in online credit appraisal platform or the seller
Point, the credit score value S that buyer will be held1Corresponding evaluation dividend amount of money R is obtained by exchanging；
The evaluation dividend amount of money R can be exchanged by following formula：
R=FP1；
Wherein, F is to preset the fixed seller between exchanging timing node twice always to share out bonus the amount of money or the seller twice
A part for total transaction amount or profit is divided between exchanging timing node, P1It is that the held credit score value of the buyer accounts for all buyers
The ratio of held credit score value summation；Moreover, between timing node is exchanged as defined in online credit appraisal platform or the seller twice
All common participation in the profit of buyer for reaching buyer and holding the time limit.
The dynamic credit that step 5. seller is merchandised based on single holds the credit score in the time limit with the buyer of the transaction
The credit appraisal curve that the dynamic change of value is formed is expressed, while being aided with the evaluation index information and word letter adjusted on node
Breath；
The evaluation index information can be the visual evaluation information that buyer provides according to evaluation index in step 3, also may be used
To be potential evaluation information that following index provides：
A, single holds rate：Refer to buyer and holds credit score value S1Account for seller's initial credit integrated value S0Ratio, single holds
There is rate higher, shows that buyer thinks that seller's credit is better；
B, single credit score value variation tendency：Finger is held in buyer in the time limit, the credit score value based on single transaction
S1Situation of change classification, be divided into positive growth, negative growth and zero growth rate；All kinds of opposite variations determine selling based on the transaction
Fang Xinyong alteration trends；
C, single credit score average value：Finger is held in buyer in the time limit, the held credit score on different time node
Value S1Summation with adjust number ratio normalization result；Single credit score average value is higher, shows that buyer thinks to sell
Fang Xinyong is better.
The whole credit information of step 6. seller is by all buyer credits merchandised with the seller in a period of time
Appraisal curve collection and static evaluation index, dynamic assessment index reflect；It also can be by dynamic window method or/and orthogonal minimum two
The credit appraisal indicatrix or/and trend curve that multiplication obtains are portrayed to express.
The static evaluation index is carried out by the semantic word evaluation information provided to all buyers in a period of time
Semanteme excavates and clustering and the comprehensive evaluation index that obtains；The dynamic assessment index be according in a period of time it is all with
The following dynamic indicator that the buyer credit appraisal curve collection that the seller merchandises provides：
A, always hold rate：All buyers hold credit score value S1Summation account for seller's initial credit integrated value S0Summation
Ratio；It is higher always to hold rate, shows that seller's credit is higher；
B, total credit score value variation tendency：The credit score value S that all buyers hold1Classified by alteration trend,
It is divided into positive growth, negative growth and zero growth rate；All kinds of opposite variations determine the trend that seller's entirety credit changes；
C, total credit score average value：The single credit score average value summation of seller's All Activity and the total pen of seller transaction
Several ratio；Total credit score average value is bigger, and seller's credit is better.
Below by taking common C2C shopping process as an example, the specific of the method for the present invention of fusion C2C shopping process is described in detail
Implementing procedure.
(1) in C2C shopping process, online credit appraisal platform of the present invention is merged with C2C to exist as C2C platforms
Line credit evaluation system uses " C2C platforms " to refer to below.Buyer, the seller note on C2C platforms in advance before transaction
Volume/certification.
(2) buyer chooses physical goods online, and after placing an order and paying, C2C platforms lead to the price P of the purchased commodity of buyer
It crosses conversion coefficient K and is converted into seller's initial credit integrated value S0, and the value is held by buyer, it is S1, S1Initial value is equal to S0.Conversion
COEFFICIENT K includes：The purchased merchandise classification COEFFICIENT K of buyerT, seller's credit level COEFFICIENT KS, buyer credit classification coefficient KB.Buyer institute
Purchase merchandise classification COEFFICIENT KTIt can be class commodity COEFFICIENT K in kindT1Or virtual class commodity COEFFICIENT KT2.That is the held seller of buyer initially believes
It can be expressed as S with integrated value0=P*KT1*KS*KB。
(3) hold seller's credit score value S in buyer1During, buyer according to the description of the commodity of the seller or service,
Promise and realization situation etc. adjust the size of held credit score value at any time on C2C platforms, and value reflects that buyer believes the seller
Evaluation expression, wherein 0≤S1≤S0.Buyer adjusts the index that can be accompanied by explanatory note or be provided according to platform and comments every time
Valence.Evaluation index includes describing be consistent situation, seller's service scenario, logistics timeliness, delivery service, after-sale service.In each tune
Point, which is sold to give, successively replys, but the held credit score value of buyer is underground to the seller.Buyer holds seller's credit score value
S1Time limit, provided by C2C platforms, it may include product three guarantees and after sale part time limit, it is assumed here that be half a year.
(4) after buyer is limited to reach holding period, according to exchanging timing node as defined in C2C platforms, buyer will be held
Credit score value S1Corresponding evaluation dividend amount of money R is obtained by exchanging.
(5) the dynamic credit information of seller's single transaction includes：Credit score value change curve that buyer holds, evaluation refer to
Mark information and text information.Potential evaluation information is contained in evaluation index information, such as：Single holds rate, single credit score
It is worth variation tendency, single credit score average value.
(6) seller's overall dynamics credit information includes：It is all in a period of time to be commented with the buyer credit that the seller merchandises
Valence curve set and static evaluation index, dynamic assessment index；Or it is obtained by dynamic window method or/and Orthogonal Least Square
Credit appraisal indicatrix or/and trend curve come portray expression.Static evaluation index be in a period of time all buyers to
The semantic word evaluation information gone out carries out the comprehensive evaluation index that semantic excavation is obtained with clustering.Dynamic assessment index is
It is obtained according to all buyer credit appraisal curve collection merchandised with the seller in a period of time, such as：Always hold rate, total credit
Integrated value variation tendency, total credit score average value.
Buyer credit classification coefficient KBIt refer to the buyer for buyer A sampling selection other transaction currently merchandised, and root
Classification discrimination is carried out according to all buyer's evaluation informations, buyer credit grade is obtained according to the ratio of similarity degree or distribution situation
Not Fen Lei and credit level coefficient.It is to have reached corresponding buyer whithin a period of time to hold that other selected transaction, which need to meet,
Terminable transaction, and the commodity that buyer buys in other transaction and the commodity for the buyer's A purchases currently merchandised are identical/similar
Commodity；According to similarity degree ratio, the higher similarity degree the more credible, and 0<KB≤ 100%.As buyer has carried out m kind products
The evaluation phase of P% in the same seller or the sampling buyer of same class product is bought in transaction, the wherein evaluation of a% products with other
Seemingly, then its similarity is P%；The evaluation of b% products is bought with other in the same seller or the sampling buyer of same class product
The evaluation of Q% is similar, then its similarity is Q%.Buyer credit classification coefficient KBFor a%*P%+b%*Q%, wherein a%+
B%=100%.Seller's credit level COEFFICIENT KSFor the All Activity for having reached buyer in a period of time and holding the time limit, pass through
Always hold rate or total credit score average value with all buyers that the seller merchandises to obtain, 0<KS≤ 100%.
The evaluation dividend amount of money R=FP of certain buyer to merchandise with the seller1.When being exchanged twice as defined in C2C platforms
All common participation in the profit of buyer for reaching buyer and holding the time limit between intermediate node.Wherein, F is that the seller is exchanging timing node twice
Between the part of total transaction amount be divided into.P1It is that the held credit score value of the buyer accounts for the held credit score value summation of all buyers
Ratio.
Embodiment described above is only that the preferred embodiment of the present invention is described, not to the scope of the present invention
It is defined, under the premise of not departing from design spirit of the present invention, those of ordinary skill in the art are to technical scheme of the present invention
The various modifications made and improvement should all be fallen into the protection domain of claims of the present invention determination.
Claims (6)
1. a kind of online dynamic credit evaluating system method based on seller's credit score value, which is characterized in that the method is related to buying
Side, the seller and online credit appraisal platform, the evaluation method include the following steps：
Step 1. buyer, the seller carry out registration/certification on online credit appraisal platform in advance；
After step 2. buyer places an order and pays, online credit appraisal platform or the seller are by the price P of the purchased commodity of buyer, by turning
It changes COEFFICIENT K and is converted into seller's initial credit integrated value S0, and the value is held by buyer, it is S1, S1Initial value is equal to S0；The conversion
COEFFICIENT K includes：The purchased merchandise classification COEFFICIENT K of buyerT, seller's credit level COEFFICIENT KSWith buyer credit classification coefficient KB；It is described to buy
The purchased merchandise classification COEFFICIENT K in sideTIt can be class commodity COEFFICIENT K in kindT1Or virtual class commodity COEFFICIENT KT2；
Step 3. holds seller's credit score value S in buyer1During, buyer according to the description of the commodity of the seller or service, hold
Node adjusts the big of held credit score value at any time or at a fixed time on online credit appraisal platform for promise and realization situation
Small, which is the evaluation expression for reflecting buyer to seller's credit, wherein 0≤S1≤S0；Buyer is adjusted every time can be attached
With word or metrics evaluation；The index includes that description is consistent and situation, seller's service scenario, logistics timeliness, delivery service and sells
After service；It sells to give in each adjusting node and reply, and the held credit score value of buyer can be underground to the seller；Buyer
Hold seller's credit score value S1Time limit be known as buyer and hold the time limit, the time limit is by online credit appraisal platform or sells square gauge
It is fixed；
Step 4. exchanges timing node after buyer is limited to reach holding period, according to as defined in online credit appraisal platform or the seller,
The credit score value S that buyer will be held1Corresponding evaluation dividend amount of money R is obtained by exchanging；
Step 5. seller holds the credit score value in the time limit based on the dynamic credit that single is merchandised with the buyer of the transaction
The credit appraisal curve that dynamic change is formed is expressed, while being aided with the evaluation index information and text information adjusted on node；
The whole credit information of step 6. seller is evaluated by all buyer credits merchandised with the seller in a period of time
Curve set and static evaluation index, dynamic assessment index reflect；It also can be by dynamic window method or/and Orthogonal Least Square
The credit appraisal indicatrix or/and trend curve of acquisition are expressed to portray.
2. a kind of online dynamic credit evaluating system method based on seller's credit score value according to claim 1, feature
It is：In step 1, the online credit appraisal platform is independently of the online network platform of third party of buyer, the seller, this is flat
Platform can depend on it is therein one or both；The Function of Evaluation and evaluation rubric of the online credit appraisal platform can it is independent or
Incorporate B2C, C2C and B2B sales platform；The evaluation information of the online credit appraisal platform can pass through evaluation index, evaluation
Language or word, appraisal curve and various data visualization means show various evaluation informations to user.
3. a kind of online dynamic credit evaluating system method based on seller's credit score value according to claim 1, feature
It is：In step 2, the buyer credit classification coefficient KBRefer to that other are merchandised for the buyer's A sampling selection currently merchandised
Buyer, and carry out classification discrimination according to all buyer's evaluation informations, obtained according to the ratio of similarity degree or distribution situation
Take buyer credit grade classification and credit level coefficient；It is to have reached whithin a period of time that other selected transaction, which need to meet,
Hold the transaction in time limit, and the quotient that buyer's commodity bought and the buyer A currently to merchandise are bought in other transaction to corresponding buyer
Product are identical/similar commodity；The buyer credit grade classification, sorting technique include clustering, neural network sum number
According to envelope method, one of which or several method combination may be used；Seller's credit level COEFFICIENT KSRefer at one section
In have reached the All Activity that buyer holds the time limit, by with all buyers that the seller merchandises always hold rate or/and always
Credit score average value come obtain the seller's credit level classification and credit level coefficient；It can also be by merchandising with the seller
The distribution situation for holding rate or/and credit score average value of all buyers come obtain the seller's credit level classification and credit level
Coefficient.
4. a kind of online dynamic credit evaluating system method based on seller's credit score value according to claim 1, feature
It is：In step 4, the evaluation dividend amount of money R can be exchanged by following formula：
R=FP1；
Wherein, F is to preset that the fixed seller always shares out bonus the amount of money or the seller exchanges twice between exchanging timing node twice
A part for total transaction amount or profit is divided between timing node, P1It is that the held credit score value of the buyer accounts for all buyers and held
The ratio of credit score value summation；Moreover, owning between exchanging timing node as defined in online credit appraisal platform or the seller twice
Reach the common participation in the profit of buyer that buyer holds the time limit.
5. a kind of online dynamic credit evaluating system method based on seller's credit score value according to claim 1, feature
It is：In steps of 5, the evaluation index information can be that buyer believes according to the visual evaluation that evaluation index provides in step 3
Breath, can also be the potential evaluation information that following index provides：
A, single holds rate：Refer to buyer and holds credit score value S1Account for seller's initial credit integrated value S0Ratio, single holds rate
It is higher, show that buyer thinks that seller's credit is better；
B, single credit score value variation tendency：Finger is held in buyer in the time limit, the credit score value S based on single transaction1Change
Change situation classification, is divided into positive growth, negative growth and zero growth rate；All kinds of opposite variations determine seller's credit based on the transaction
Alteration trend；
C, single credit score average value：Finger is held in buyer in the time limit, the held credit score value S on different time node1's
The normalization result of summation and the ratio for adjusting number；Single credit score average value is higher, shows that buyer thinks seller's credit
Better.
6. a kind of online dynamic credit evaluating system method based on seller's credit score value according to claim 1, feature
It is：In step 6, the static evaluation index is believed by the semantic word evaluation provided to all buyers in a period of time
Breath carries out the comprehensive evaluation index that semantic excavation is obtained with clustering；The dynamic assessment index is according in a period of time
All following dynamic indicators provided with the buyer credit appraisal curve collection that the seller merchandises：
A, always hold rate：All buyers hold credit score value S1Summation account for seller's initial credit integrated value S0The ratio of summation；
It is higher always to hold rate, shows that seller's credit is higher；
B, total credit score value variation tendency：The credit score value S that all buyers hold1Classified by alteration trend, is divided into just
Growth, negative growth and zero growth rate；All kinds of opposite variations determine the trend that seller's entirety credit changes；
C, total credit score average value：The single credit score average value summation of seller's All Activity and the total stroke count of seller transaction
Ratio；Total credit score average value is bigger, and seller's credit is better.
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