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Big data-based commitment type integrity evaluation method

An evaluation method and big data technology, applied in the field of integrity evaluation, can solve the problems of non-provided after-sales service, lack of quality, failure to answer, etc., achieving good operability, wide range of objects, and correcting subjective or accidental deviations. Effect

Inactive Publication Date: 2016-06-15
洪一农
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, our analysis is not difficult to find that the data it obtains is mainly on the consumer side, and it has not answered one of our merchants, especially small and micro enterprises: "Have you ever owed money to your business partners; whether the transaction is short-lived; Is there any shoddy goods, selling fakes; after-sales service is not provided, or not in place, etc.

Method used

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  • Big data-based commitment type integrity evaluation method
  • Big data-based commitment type integrity evaluation method
  • Big data-based commitment type integrity evaluation method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0052] Commitment integrity evaluation by red line method:

[0053] A certain pharmacy sells thousands of medicines. The public order and good customs require that no fake or expired medicines be sold. The pharmacy also posted a notice "No fakes in this store" in a prominent place in the store. Then we assume that as long as we find any counterfeit or expired medicine, we will judge its sale; and, if there are 2 counterfeit sales incidents (red line threshold) during the integrity inspection period (for example, 5 years), we The pharmacy is deemed to be a dishonest store.

Embodiment 2

[0055] Commitment-based integrity evaluation of statistical law:

[0056] In the catering industry, a restaurant usually has "no expired or spoiled food; no drain oil; the price of the dish is clearly marked; the license is complete, and the operation is standardized." It should be a "rule" established by the industry.

[0057] Case 1 (relative statistical method), if it is a store with a computerized ordering system. We assume that the complaint threshold for the above three incidents is 1% (obviously, this threshold is determined by the verification of time and consumers). Then, if we have N business statements during the integrity inspection period, and the complaint is C times, then the complaint rate S=C / N, when S> 1%, we say that this store is a dishonest store; when S <= 1%, we say that this store is an honest store.

[0058] Case 2 (absolute statistical method), if it is a workshop-style store without a computerized ordering system. We assume that the complaint threshold fo...

Embodiment 3

[0060] Commitment-based integrity evaluation of word-of-mouth law:

[0061] Car O2O service, online purchase of various brand tires, offline physical stores are responsible for installation. The parties involved are: auto service O2O platform companies, tire manufacturers or distributors of the purchased brands, offline auto repair shops, and consumer car owners. There are four content of the integrity commitment: no counterfeit brand tires; non-retreaded tires; no additional charges in the service; installation services are provided as agreed.

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Abstract

The present invention relates to a commitment-based integrity evaluation method based on big data. The method specifically includes the following steps: 1) Integrity yuan sends self-commitment content to the counterparty's integrity element at the beginning of a transaction; 2) Acquires and records integrity At the end of the transaction, summarize the integrity of all the commitments in this transaction, and update the integrity of the commitment of the integrity yuan in the process of this transaction; 3) Obtain the item commitment integrity of the integrity yuan within the specified inspection period, summarize the item commitment integrity of the integrity yuan within the inspection period, and obtain the total commitment integrity of the integrity yuan within the inspection period ; 4) Repeat steps 1)-3) to obtain the total commitment integrity of different credit units within the investigation period, and summarize, count and query through big data. Compared with the prior art, the present invention has the advantages of targeting small and micro enterprises and individuals, involving a wide range of objects, big data, and more precise and accurate credit information.

Description

Technical field [0001] The present invention relates to a credit evaluation method, in particular to a commitment type credit evaluation method based on big data. Background technique [0002] The personal credit investigation system of the People's Bank of China can solve "if you borrow money from the bank, judge whether you can repay the money on time; whether you have borrowed money before, whether there is a record of not repaying the borrowed money, etc.". It can’t answer you, “Have you ever owed money to your business partners; whether the transaction is short of money; whether it is shoddy or selling fake goods; after-sales service is not provided, or not in place, etc.” [0003] Alibaba's "Zamsame Integrity", whose sesame score integrates the five dimensions of individual users' credit history, behavioral preferences, contract performance ability, identity characteristics, and personal connections. "Credit history" refers to past credit account repayment records and credit...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/06
CPCG06Q30/0609
Inventor 洪一农
Owner 洪一农
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