Method and system for assessing credit based on community O2O

Abstract

The invention relates to a method and a system for assessing credit based on community O2O. The method comprises the following steps: setting an assessing level and an assessing value for each level assessing index of community O2O; setting an assessing index system for the consumer, commodity retailer and service supplier on the basis of the consumer, commodity, application scene and service; setting a comparison matrix for each index factor in the index system for the assessing index system according to the rule and verifying the consistency of weight coefficient of the assessing index of the consumer; calculating weight coefficient for the assessing index system for the commodity retailer and service supplier; calculating and acquiring comprehensive credit assessing value of the consumer, substituting the assessing result into the calculation for the credit assessing for the commodity retailer and service supplier, calculating the comprehensive credit assessing value of the commodity retailer and service supplier and judging the credit level thereof. According to the method provided by the invention, multidimensional credit assessment and reference are supplied to the transactions on a service platform through an honest business district of the community O2O, and the client satisfaction degree and adhesion are promoted.

Description

technical field [0001] The invention belongs to the research field of community O2O integrity business circle and big data in e-commerce, and specifically relates to a community O2O-based credit evaluation method and system. Background technique [0002] With the development of e-commerce, community O2O is an e-commerce model based on local community life services, providing local community users with online payment and offline acceptance / enjoyment services, and is a new consumption model. The community O2O integrity business circle service platform utilizes Internet technology and cloud computing big data model, on the basis of saving costs and computing resources, so that community users can not only enjoy the traditional model service but also experience the convenience brought by the e-commerce platform. Although most domestic e-commerce platforms have established credit evaluation systems according to the characteristics of their respective platforms, the evaluation met...

AI Technical Summary

Problems solved by technology

Although most domestic e-commerce platforms have established credit evaluation systems according to the characteristics of their respective platforms, the evaluation methods are too simple and the model is single, and it is impossible to dynamically establish a credit evaluation index system according to the characteristics of local community groups and merchants. Considering the weight of evaluation factors such as characteristics, identity characteristics, transaction time validity, and evaluation time validity, the existing simple credit evaluation methods are no longer suitable for application to community-based O2O integrity business circle service platforms

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