CN109583993A - Appraisal procedure, server and the machine readable storage medium of credit score - Google Patents
Appraisal procedure, server and the machine readable storage medium of credit score Download PDFInfo
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Abstract
The embodiment of the present invention provides appraisal procedure, server and the machine readable storage medium of a kind of credit score, belongs to shared field of vehicles, solves the problems, such as that the credit situation of shared vehicle user can not be provided according to personal travel status in the prior art.The described method includes: obtaining the credit data of shared vehicle user, the credit data includes the achievement data that the user credit is influenced in the user sharing vehicle account historical data；Search bonus point class index item, deduction class index item and the risk class index item that user credit is influenced in the credit data, and it is based on the bonus point class index item, the deduction class index item and the risk class index item, obtain the credit score of the shared vehicle user.The embodiment of the present invention is suitable for assessing the credit of shared vehicle user.
Description
Technical field
The present invention relates to shared field of vehicles, more particularly to a kind of appraisal procedure of credit score, server and machine
Device readable storage medium storing program for executing.
Background technique
Now on the market there are many kinds of the credit product of class, the personal reference system provided such as People's Bank of China's reference center
It unites, the sesame credit etc. under Alipay objectively describes the credit level of a people for science.In shared vehicular field
User, such as sesame credit are generally serviced using third-party credit system.But credit system on the market lays particular stress on gold mostly
Melt behavior, in terms of traffic trip, especially personal trip aspect does not accumulate and provides the data and algorithm of profession, from
And credit situation of the shared vehicle user in terms of personal trip cannot objectively be described.
The target that ofo shares bicycle user credit algorithm is exactly the credit problems for solving individual in terms of trip.Pass through needle
The characteristics of to trip industry, the credit of one people of description of objective science is then based on credit, has encouraged behavior, punishes bad row
To establish specification, each traffic participant being allowed to enjoy the appearance of orderly green, reduce trip risk and traffic problems.
Summary of the invention
It is situated between the purpose of the embodiment of the present invention is that providing a kind of appraisal procedure of credit score, server and machine readable storage
Matter solves the problems, such as that the credit situation of shared vehicle user can not be provided according to personal travel status in the prior art, realizes
The characteristics of for trip industry, bad behavior is punished, to reduce trip risk by having encouraged behavior based on user credit
It is standardized with better implementing to go on a journey.
To achieve the goals above, the embodiment of the present invention provides a kind of appraisal procedure of credit score, which comprises obtains
The credit data of shared vehicle user is taken, the credit data includes influencing institute in the user sharing vehicle account historical data
State the achievement data of user credit；Searching influences the bonus point class index item of user credit, subtracts classification indicators in the credit data
Item and risk class index item, and it is based on the bonus point class index item, the deduction class index item and the risk class index item, it obtains
To the credit score of the shared vehicle user.
It is further, described to be based on the bonus point class index item, the deduction class index item and the risk class index item,
Obtain the credit score of the shared vehicle user, comprising: obtain bonus point credit score based on all bonus point class index item operations, be based on
All deduction class index item operations obtain deduction credit score, obtain risk credit score based on the risky class index item operation of institute；With
And after the bonus point credit score subtracted the deduction credit score, then the risk credit score is subtracted, obtains the shared vehicle
The credit score of user.
Further, described to obtain bonus point credit score based on all bonus point class index item operations, referred to based on all deduction classes
It marks item operation and obtains deduction credit score, obtaining risk credit score based on the risky class index item operation of institute includes: by level point
Analysis method determines the corresponding power of each index item in the bonus point class index item, deduction class index item and risk class index item respectively
Weight values；Obtain the statistical value of each index item, and according to pre-set interval corresponding with each index item, determine described in
Each index item is original point corresponding；Respectively according in the bonus point class index item, deduction class index item and risk class index item
The corresponding weighted value of each index item and corresponding original point of product, determine bonus point credit score, deduction credit score and wind
Dangerous credit score.
Further, described by analytic hierarchy process (AHP), the bonus point class index item, deduction class index item and wind are determined respectively
The corresponding weighted value of each index item includes: to obtain the bonus point class index item, deduction class index item respectively in dangerous class index item
The judgment matrix of all kinds of index item corresponding with risk class index item, the judgment matrix include important between similar index item
Property compare preset value；Using geometric average method, calculate each index item in the judgment matrix of all kinds of index item it is corresponding to
Verify weighted value；One is carried out respectively to the corresponding weighted value to be verified of index item each in the judgment matrix of all kinds of index item
The verification of cause property, when passed the verification, is determined as the corresponding weighted value of each index item for the weighted value to be verified.
Further, basis pre-set interval corresponding with each index item, determines each index item pair
Original point answered includes: to search pre-set interval corresponding with its index item belonging to the statistical value of each index item；According toIt is original point corresponding to obtain each index item, wherein ScoregFor g-th of index item pair
Original point answered,For constant, μ is the corresponding coefficient of pre-set interval belonging to the statistical value, and x is the statistics of g-th of index item
Value, m are the minimum value in pre-set interval belonging to the statistical value.
Further, after the bonus point credit score being subtracted the deduction credit score, then the risk credit score is subtracted,
The credit score for obtaining the shared vehicle user includes: according to Score=∑ αi*Add_Scorei-∑βj*Sub_Scorej-∑
γk*Risk_Scorek, obtain the credit score Score of the shared vehicle user, wherein ∑ αi*Add_ScoreiAdd to be described
Divide credit score, Add_ScoreiOriginal point corresponding, the α for i-th of bonus point class index itemiIt is corresponding for i-th of bonus point class index item
Weighted value, ∑ βj*Sub_ScorejFor the deduction credit score, Sub_ScorejIt is corresponding original for j-th of deduction class index item
Point, βjFor the corresponding weighted value of j-th of deduction class index item, ∑ γk*Risk_ScorekFor the risk credit score, Risk_
ScorekOriginal point corresponding, the γ for k-th of risk class index itemkFor the corresponding weighted value of k-th of risk class index item.
Further, after the credit score for obtaining the shared vehicle user, the method also includes: search institute
The credit grade where credit score is stated, and sends the credit score and the credit grade to the shared vehicle user.
Further, after the credit score for obtaining the shared vehicle user, the method also includes: when described
When the credit of shared vehicle user is divided into zero, the shared vehicle account of the shared vehicle user is disabled.
Correspondingly, the embodiment of the present invention also provides a kind of server, the server is for executing credit as described above
The appraisal procedure divided.
Correspondingly, the embodiment of the present invention also provides a kind of machine readable storage medium, deposited on the machine readable storage medium
Instruction is contained, which is used for so that machine executes the appraisal procedure of credit score as described above.
Through the above technical solutions, obtaining the credit data of shared vehicle user, the credit data includes the user
The achievement data that the user credit is influenced in shared vehicle account historical data, searching influences user's letter in the credit data
Bonus point class index item, deduction class index item and risk class index item, and it is based on the bonus point class index item, the deduction class
Index item and the risk class index item, obtain the credit score of the shared vehicle user.The embodiment of the present invention solves existing
It the problem of credit situation of shared vehicle user can not be provided in technology according to personal travel status, realizes for trip industry
The characteristics of, it is based on user credit, by having encouraged behavior, bad behavior is punished, to reduce trip risk and better implement out
Professional etiquette model.
The other feature and advantage of the embodiment of the present invention will the following detailed description will be given in the detailed implementation section.
Detailed description of the invention
Attached drawing is to further understand for providing to the embodiment of the present invention, and constitute part of specification, under
The specific embodiment in face is used to explain the present invention embodiment together, but does not constitute the limitation to the embodiment of the present invention.Attached
In figure:
Fig. 1 is a kind of flow diagram of the appraisal procedure of credit score provided in an embodiment of the present invention；
Fig. 2 is the schematic diagram of credit index system provided in an embodiment of the present invention；
Fig. 3 is the signal of the judgment matrix for the bonus point class index item for including in credit history provided in an embodiment of the present invention
Figure.
Specific embodiment
It is described in detail below in conjunction with specific embodiment of the attached drawing to the embodiment of the present invention.It should be understood that this
Locate described specific embodiment and be merely to illustrate and explain the present invention embodiment, is not intended to restrict the invention embodiment.
Currently in order to science objectively describes the credit level of a people, it is general using such as People's Bank of China's reference center
The personal credit system of offer, the credit product of the various species on the market such as sesame credit under Alipay.But on the market
Credit system lay particular stress on banking operation mostly, in terms of traffic trip, especially personal trip aspect is not accumulated and is provided
The data and algorithm of profession, so that credit situation of the shared vehicle user in terms of personal trip cannot be described objectively.This hair
Bright embodiment is exactly to be directed to asking for the credit situation that can not provide shared vehicle user according to personal travel status in the prior art
Topic, proposes appraisal procedure, server and the machine readable storage medium of credit score.
Fig. 1 is a kind of flow diagram of the appraisal procedure of credit score provided in an embodiment of the present invention.As shown in Figure 1, institute
The method of stating includes the following steps:
Step 101, the credit data of shared vehicle user is obtained, the credit data includes the user sharing vehicle account
The achievement data of the user credit is influenced in the historical data of family；
Step 102, bonus point class index item, deduction class index item and the wind that user credit is influenced in the credit data are searched
Dangerous class index item, and it is based on the bonus point class index item, the deduction class index item and the risk class index item, it obtains described
The credit score of shared vehicle user.
Wherein, the credit data includes influencing the user credit in the user sharing vehicle account historical data
Achievement data, including credit history, user's ID authentication information, consumer record and account safety.Wherein, the credit history is
For the user for the record of honouring an agreement of shared vehicle, the user's ID authentication information is that the user rides for shared vehicle
The authentication information of qualification, the consumer record are consumer record of the user under shared vehicle account, the account safety
For the account status of the shared vehicle account of the user, wherein the credit history, user's ID authentication information and consumption note
It include corresponding bonus point class index item and deduction class index item in record, the account safety includes risk class index item.
For example, correctly being reported for repairment in credit history including corresponding bonus point class index item such as the number ridden safely
Vehicle is parked in operational area etc. and both contributes to be promoted credit level by number, and deduction class index item, such as non-security ride
Number is reported in number, vacation for repairment, and vehicle, which is parked in, to wait outside operational area can all reduce credit.
For including corresponding bonus point class index item in user's ID authentication information, authentication ids are such as completed (for general
Logical domestic correspondent), teachers and students' certification (being directed to University Users) in colleges and universities, passport certification (being directed to overseas Chinese user) etc. all helps
In promoting credit level, and deduction class index item, authentication etc. can reduce credit as unfinished.
For in consumer record include corresponding bonus point class index item, such as supplement with money number and shopping number frequently all help
In promoting credit level, and deduction class index item, moves back shared vehicle account such as continually filled and can reduce credit.
For the risk class index item that account safety includes, such as shared account (the multi-user shared same shared vehicle account
Family), credit can be largely effected on using all activity vehicle (passing through a variety of shared vehicle accounts for identity card registration of leaving unused) etc..
In embodiments of the present invention, pass through above-mentioned credit history, user's ID authentication information, consumer record and account safety
Four dimensions the credit score of shared vehicle user is described.The credit index body applied in the embodiment of the present invention as shown in Figure 2
System, wherein each dimension is subdivided into two layers of index item, first order achievement data includes bonus point class index item, deduction class index item
Or risk class index item, then each bonus point class index item be divided into again bonus point class index item 1, bonus point class index item 2 ... bonus point class
Index item n etc., each deduction class index item be divided into again deduction class index item 1, deduction class index item 2 ... deduction class index item p
Deng, each risk class index item be divided into again risk class index item 1, risk class index item 2 ... risk class index item q etc..
Wherein, bonus point credit score is obtained based on all bonus point class index item operations, is based on all deduction class index item operations
Deduction credit score is obtained, risk credit score is obtained based on the risky class index item operation of institute, then subtracts the bonus point credit score
After removing the deduction credit score, then the risk credit score is subtracted, obtains the credit score of the shared vehicle user.
Specifically, being based on all deduction class index item obtaining bonus point credit score based on all bonus point class index item operations
Operation obtains deduction credit score, when obtaining risk credit score based on the risky class index item operation of institute, is obtained by following step:
1) by analytic hierarchy process (AHP), the bonus point class index item, deduction class index item and risk class index item are determined respectively
In the corresponding weighted value of each index item；
2) statistical value of each index item is obtained, and according to pre-set interval corresponding with each index item, really
Fixed each index item is original point corresponding；
3) each index item according to the bonus point class index item, deduction class index item and risk class index item respectively
Corresponding weighted value and corresponding original point of product, determine bonus point credit score, deduction credit score and risk credit score.
For step 1), analytic hierarchy process (AHP) in the prior art can refer to, by comparing the relatively important of index item at the same level
Property, scientifically to provide the corresponding weighted value of each index item.
Obtain the bonus point class index item, deduction class index item and the corresponding all kinds of indexs of risk class index item respectively first
Judgment matrix, the judgment matrix includes important ratio between similar index item to preset value.With credit shown in Fig. 2
For credit history in index system, the judgment matrix for the bonus point class index item for including in credit history, such as Fig. 3 are constructed
It is shown, wherein BijIt indicates relative to two-level index item A, i.e. for bonus point class index item A, in three-level index item plus classification indicators
Item BiRelative to bonus point class index item BjRelative importance.Judgment matrix shown in Fig. 3 has the property that
In addition, Bij, can be by the business datum of shared vehicle or safety data etc. because usually determining for preset value, it should
Preset value can choose a number in 1/9 to 9 to indicate, specifically as shown in table 1.
Table 1
Then geometric average method is utilized, it is corresponding to school to calculate each index item in the judgment matrix of all kinds of index item
Weighted value is tested, and one is carried out respectively to the corresponding weighted value to be verified of index item each in the judgment matrix of all kinds of index item
The verification of cause property, when passed the verification, is determined as the corresponding weighted value of each index item for the weighted value to be verified.Still
By taking judgment matrix shown in Fig. 3 as an example, steps are as follows for specific calculating:
A) the product M of the every row element of judgment matrix is calculatedi:Wherein i, j=1,2,3 ... n；
B) M is calculatediN times root, obtain the geometrical mean of every row all elements
C) to vectorIt is normalized:To WiAs plus classification indicators
Item BiCorresponding weighted value to be verified.
For other index item, as deduction class index item and risk class index item can by above-mentioned calculating step,
Obtain the corresponding weighted value to be verified of each index item in the judgment matrix of all kinds of index item.
It, can be every in the judgment matrix to all kinds of index item in order to which whether the weighted value to be verified verified is reasonable
The corresponding weighted value to be verified of a index item carries out consistency desired result respectively, when passed the verification, then by the weight to be verified
Value is determined as the corresponding weighted value of each index item.
By the above-mentioned description to step 1), the available credit history, user's ID authentication information, consumer record
In all bonus point class index item, the corresponding power of the risky class index item of institute in deduction class index item and the account safety
Weight values.
For step 2), in order to avoid the index item point spread between different sharing vehicle user is excessive, using difference
Linear model to calculate each index item original point corresponding.For example, the shared vehicle user having is ridden 1 time daily, have
Shared vehicle user ride daily 20 times, can be excessive to avoid point spread between the two by the step, specifically:
Firstly, each index item is reasonably divided into several preset areas according to the distribution situation of shared vehicle user behavior
Between, then search pre-set interval corresponding with its index item belonging to the statistical value of each index item, and according toIt is original point corresponding to obtain each index item, wherein ScoregFor g-th of index item pair
Original point answered,For constant, μ is the corresponding coefficient of pre-set interval belonging to the statistical value, and x is the system of g-th of index item
Evaluation, m are the minimum value in pre-set interval belonging to the statistical value.
To which either bonus point class index item, deduction class index item or risk class index item can be by above-mentioned linear
It is original point corresponding that model calculates each index item.
For step 3), obtaining described in the bonus point class index item, deduction class index item and risk class index item
The corresponding weighted value of each index item and it is original point corresponding after, can be referred to according to the bonus point class index item, deduction class
The corresponding weighted value of each index item described in item and risk class index item and corresponding original point of product are marked, determines bonus point letter
With point, deduction credit score and risk credit score.
To obtain the credit score Score of the shared vehicle user according to formula (1):
Score=∑ αi*Add_Scorei-∑βj*Sub_Scorej-∑γk*Risk_ScorekFormula (1)
Wherein, ∑ αi*Add_ScoreiFor the bonus point credit score, Add_ScoreiIt is corresponding for i-th of bonus point class index item
Original point, αiFor the corresponding weighted value of i-th of bonus point class index item, ∑ βj*Sub_ScorejFor the deduction credit score,
Sub_ScorejOriginal point corresponding, the β for j-th of deduction class index itemjFor the corresponding weighted value of j-th of deduction class index item, ∑
γk*Risk_ScorekFor the risk credit score, Risk_ScorekOriginal point corresponding, the γ for k-th of risk class index itemk
For the corresponding weighted value of k-th of risk class index item.
Through the foregoing embodiment, shared vehicle user can not be provided according to personal travel status in the prior art by solving
The problem of credit situation, punishes bad row by having encouraged behavior based on user credit the characteristics of realizing for trip industry
To be standardized to reduce trip risk and better implement to go on a journey.
In an embodiment of the present invention, it can be spaced the credit score that setting time updates primary shared vehicle user, such as
One month, shared vehicle user is then showed, rides convenient for user's specification, and be retained in server, is convenient for server needle
The credit score of different sharing vehicle user is analyzed and processed.
Wherein it is possible to which the range of credit score is set as 0 to 1000, wherein 0 is minimum credit score, 1000 be highest credit
Point.The available initial credit point when the shared vehicle user registers shared vehicle account, for example, 450, then institute
The credit score for stating shared vehicle user includes initial credit point, and when updating the credit score of the user every time, will be above-mentioned
Initial credit point is added in formula (1), such as Score=Scorein+∑αi*Add_Scorei-∑βj*Sub_Scorej-∑γk*
Risk_Scorek, wherein ScoreinFor the initial credit point.
In one embodiment of the invention, after the credit score for having obtained the shared vehicle user, Ke Yicha
The credit grade where the credit score is looked for, and sends the credit score and the credit grade to the shared vehicle user.
For example, the credit score and the corresponding relationship of the credit grade are as follows:
0-449: credit is poor
450-539: credit is general
540-799: credit is good
800-900: credit is outstanding
901-1000: highly respectable
To which user is by checking that credit grade can more intuitively know the credit level of oneself.
For server, when the credit for obtaining the shared vehicle user is divided into zero, the shared vehicle is disabled
The shared vehicle account of user, so that the user will be unable to further avoid the poor user couple of credit using shared vehicle
In malicious act when using shared vehicle.
In addition, can also be shown in shared vehicle account the user current credit score and on twice even more repeatedly
Obtained credit score is updated, and can show to form the factor of credit to user, such as credit history, user's ID authentication information, is disappeared
Take record and account safety, and each factor is illustrated respectively, as follows:
Credit history: user is indicated for the record of honouring an agreement of shared vehicle, safety, which is ridden, every time can all promote your credit
Level, the behaviors such as vacation reports for repairment, rides up to outside operating area can reduce credit.
User's ID authentication information: it indicates that the user rides the authentication information of qualification for sharing vehicle, completes identity
Identification card, teachers and students' certification, passport certification etc. can greatly promote credit.
Consumer record: it indicates consumer record of the user under shared vehicle account, such as supplements with money, does shopping, frequently fill and move back
Behavior can reduce credit.
Account safety: indicating the account status of the shared vehicle account of user, such as shares account, understood greatly using all activity vehicle
It is big to influence credit.
The above is only as one example, do not limit the specific range that credit is shown.
Furthermore it is also possible to the behavior for influencing credit score is illustrated, for example, which behavior helps to promote credit, which
A little behaviors can reduce credit.Behavior has mainly been encouraged in the form of document, informs that those bad behaviors can penalized, part behavior meeting
Cause user credit directly to reset, such as seriously violate the traffic regulations, the user that credit is 0 will be unable to using shared vehicle.
Various dimensions comprehensive consideration shares the credit score of vehicle user through the embodiment of the present invention, ensure that authentic and valid use
Family avoids the malicious operation of hacker.In terms of exempting from cash pledge, it is real for the higher user of credit score to can use the embodiment of the present invention
Reward mechanism is applied, is no longer simply set using third party's data or according to different cities.Assist shared Vehicle Industry
It develops in a healthy way, promotes the experience of report for repairment, shut manually etc..Shared Vehicle Industry exploration is helped more to activate business, such as parent
Feelings account, integral store etc..
Correspondingly, the embodiment of the present invention also provides a kind of server, the server is for executing described in above-described embodiment
Credit score appraisal procedure.
Correspondingly, the embodiment of the present invention also provides a kind of machine readable storage medium, deposited on the machine readable storage medium
Instruction is contained, which is used for so that machine executes the appraisal procedure of credit score described in above-described embodiment.
The optional embodiment of the embodiment of the present invention is described in detail in conjunction with attached drawing above, still, the embodiment of the present invention is simultaneously
The detail being not limited in above embodiment can be to of the invention real in the range of the technology design of the embodiment of the present invention
The technical solution for applying example carries out a variety of simple variants, these simple variants belong to the protection scope of the embodiment of the present invention.
It is further to note that specific technical features described in the above specific embodiments, in not lance
In the case where shield, it can be combined in any appropriate way.In order to avoid unnecessary repetition, the embodiment of the present invention pair
No further explanation will be given for various combinations of possible ways.
It will be appreciated by those skilled in the art that implementing the method for the above embodiments is that can pass through
Program is completed to instruct relevant hardware, which is stored in a storage medium, including some instructions are used so that single
Piece machine, chip or processor (processor) execute all or part of the steps of each embodiment the method for the application.And it is preceding
The storage medium stated includes: USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory
The various media that can store program code such as (RAM, Random Access Memory), magnetic or disk.
In addition, any combination can also be carried out between a variety of different embodiments of the embodiment of the present invention, as long as it is not
The thought of the embodiment of the present invention is violated, equally should be considered as disclosure of that of the embodiment of the present invention.
Claims (10)
1. a kind of appraisal procedure of credit score characterized by comprising
The credit data of shared vehicle user is obtained, the credit data includes in the user sharing vehicle account historical data
Influence the achievement data of the user credit；
Bonus point class index item, deduction class index item and the risk class index item that user credit is influenced in the credit data are searched,
And it is based on the bonus point class index item, the deduction class index item and the risk class index item, it obtains the shared vehicle and uses
The credit score at family.
2. the method according to claim 1, wherein described be based on the bonus point class index item, the deduction class
Index item and the risk class index item, obtain the credit score of the shared vehicle user, comprising:
Bonus point credit score is obtained based on all bonus point class index item operations, obtains deduction letter based on all deduction class index item operations
With dividing, a risk credit score is obtained based on the risky class index item operation of institute；And
After the bonus point credit score is subtracted the deduction credit score, then the risk credit score is subtracted, obtains the shared vehicle
The credit score of user.
3. according to the method described in claim 2, it is characterized in that, described obtain bonus point based on all bonus point class index item operations
Credit score obtains deduction credit score based on all deduction class index item operations, obtains wind based on the risky class index item operation of institute
Dangerous credit score includes:
By analytic hierarchy process (AHP), determine respectively each in the bonus point class index item, deduction class index item and risk class index item
The corresponding weighted value of index item；
Obtain the statistical value of each index item, and according to pre-set interval corresponding with each index item, determine described in
Each index item is original point corresponding；
Each index item according to the bonus point class index item, deduction class index item and risk class index item is corresponding respectively
Weighted value and corresponding original point of product, determine bonus point credit score, deduction credit score and risk credit score.
4. according to the method described in claim 3, determining the bonus point respectively it is characterized in that, described by analytic hierarchy process (AHP)
The corresponding weighted value of each index item includes: in class index item, deduction class index item and risk class index item
The judgement of the bonus point class index item, deduction class index item and the corresponding all kinds of index item of risk class index item is obtained respectively
Matrix, the judgment matrix include important ratio between similar index item to preset value；
Using geometric average method, the corresponding weight to be verified of each index item in the judgment matrix of all kinds of index item is calculated
Value；
Consistency school is carried out respectively to the corresponding weighted value to be verified of index item each in the judgment matrix of all kinds of index item
It tests, when passed the verification, the weighted value to be verified is determined as the corresponding weighted value of each index item.
5. according to the method described in claim 3, it is characterized in that, basis preset areas corresponding with each index item
Between, determine that corresponding original point of each index item includes:
Search pre-set interval corresponding with its index item belonging to the statistical value of each index item；
According toIt is original point corresponding to obtain each index item, wherein ScoregIt is g-th
Index item is original point corresponding,For constant, μ is the corresponding coefficient of pre-set interval belonging to the statistical value, and x is g-th of index
The statistical value of item, m are the minimum value in pre-set interval belonging to the statistical value.
6. according to the method described in claim 2, it is characterized in that, the bonus point credit score is subtracted the deduction credit score
Afterwards, then the risk credit score is subtracted, the credit score for obtaining the shared vehicle user includes:
According to Score=∑ αi*Add_Scorei-∑βj*Sub_Scorej-∑γk*Risk_Scorek, obtain the shared vehicle
The credit score Score of user, wherein ∑ αi*Add_ScoreiFor the bonus point credit score, Add_ScoreiFor i-th of bonus point
Class index item is original point corresponding, αiFor the corresponding weighted value of i-th of bonus point class index item, ∑ βj*Sub_ScorejSubtract to be described
Divide credit score, Sub_ScorejOriginal point corresponding, the β for j-th of deduction class index itemjIt is corresponding for j-th of deduction class index item
Weighted value, ∑ γk*Risk_ScorekFor the risk credit score, Risk_ScorekIt is corresponding for k-th of risk class index item
Original point, γkFor the corresponding weighted value of k-th of risk class index item.
7. the method according to claim 1, wherein dividing it in the credit for obtaining the shared vehicle user
Afterwards, the method also includes:
The credit grade where the credit score is searched, and sends the credit score and the credit to the shared vehicle user
Grade.
8. the method according to claim 1, wherein dividing it in the credit for obtaining the shared vehicle user
Afterwards, the method also includes:
When the credit of the shared vehicle user is divided into zero, the shared vehicle account of the shared vehicle user is disabled.
9. a kind of server, which is characterized in that the server is for executing the described in any item credits of the claims 1-8
The appraisal procedure divided.
10. a kind of machine readable storage medium, it is stored with instruction on the machine readable storage medium, which is used for so that machine
Execute the appraisal procedure of the described in any item credit scores of the claims 1-8.
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| CN110503299A (en) * | 2019-07-16 | 2019-11-26 | 阿里巴巴集团控股有限公司 | Fiduciary project of fund sustenance determines method and device |
| CN110555759A (en) * | 2019-07-31 | 2019-12-10 | 阿里巴巴集团控股有限公司 | Credit item-based risk prevention and control method and device |
| CN110555751A (en) * | 2019-07-31 | 2019-12-10 | 阿里巴巴集团控股有限公司 | method and device for performing treatment in credit project |
| CN110570296A (en) * | 2019-07-31 | 2019-12-13 | 阿里巴巴集团控股有限公司 | Risk assessment method and device in credit project |
| CN111861529A (en) * | 2019-05-19 | 2020-10-30 | 北京骑胜科技有限公司 | Block chain-based data evaluation method and device, electronic equipment and storage medium |
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| CN115034888A (en) * | 2022-06-16 | 2022-09-09 | 支付宝(杭州)信息技术有限公司 | Credit service providing method and device |
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| CN111861529A (en) * | 2019-05-19 | 2020-10-30 | 北京骑胜科技有限公司 | Block chain-based data evaluation method and device, electronic equipment and storage medium |
| CN110503299A (en) * | 2019-07-16 | 2019-11-26 | 阿里巴巴集团控股有限公司 | Fiduciary project of fund sustenance determines method and device |
| CN110555759A (en) * | 2019-07-31 | 2019-12-10 | 阿里巴巴集团控股有限公司 | Credit item-based risk prevention and control method and device |
| CN110555751A (en) * | 2019-07-31 | 2019-12-10 | 阿里巴巴集团控股有限公司 | method and device for performing treatment in credit project |
| CN110570296A (en) * | 2019-07-31 | 2019-12-13 | 阿里巴巴集团控股有限公司 | Risk assessment method and device in credit project |
| CN110555751B (en) * | 2019-07-31 | 2022-02-01 | 创新先进技术有限公司 | Method and device for performing treatment in credit project |
| CN112581249A (en) * | 2019-09-27 | 2021-03-30 | 杭州湛联科技有限公司 | Credit score management system and method based on credit commitment and fulfillment |
| CN115034888A (en) * | 2022-06-16 | 2022-09-09 | 支付宝(杭州)信息技术有限公司 | Credit service providing method and device |
| CN116112532A (en) * | 2023-01-12 | 2023-05-12 | 中国联合网络通信集团有限公司 | Shared bicycle fault processing method, mobile terminal and shared bicycle operation server |
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Application publication date: 20190405 |