Method and device for evaluating client credit

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 [0001] The invention relates to the technical field of computer networks, in particular to a method and equipment for evaluating customer credit. Background technique [0002] E-commerce (Electronic Commerce, referred to as EC), usually refers to a wide range of commercial activities around the world, in the open network environment of the Internet, based on the browser / server application mode, buyers and sellers conduct various commercial activities without meeting each other. It is a new type of business operation mode that realizes online shopping of consumers, online transactions between suppliers and online electronic payment, as well as various business activities, transaction activities, financial activities and related comprehensive service activities. [0003] In electronic transactions, a credit evaluation system is commonly used. After completing a transaction, both parties to the transaction score each other using the comprehensive evaluation of t...

AI Technical Summary

Problems solved by technology

[0010] Based on the manual scoring method, there are many human factors, which are subjective, cannot objectively reflect the real credit of the user, and are prone to cheating, so the accuracy of the final evaluation value is not high. factor lack of evaluation

[0011] In the process of realizing the present invention, the inventor found that there are at least the following problems in the prior art: in the prior art, the supplier and the demander conduct online transactions, and the two parties do not have a clear and definite understanding of the credit degree of the other party. If the two parties cannot fully understand, it is easier to lead to the failure of online transactions

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