Method and apparatus for determining business credit

Abstract

The application provides a method and apparatus for determining a business credit. The method comprises: according to historical transaction information of a target business object, calculating a transaction amount of of the target business object in a next period; calculating a first credit line for the next period of the target business object based on the transaction amount; determining an adjustment amount for the next period of the target business object based on a second credit line of the current period of the target business object and the first credit line; and pushing the adjustment amount to the target business object. According to the method provided by the application, on the basis of the big data technology, the credit line of the cash deposit in a next period can be determined based on the transaction amount of the target business object in a next period. Under the circumstance that factors of the operation seasonal effect of the target business object, the short-term development trend, and the long-term development trend are taken into consideration, different and stable credit lines can be provided for different target business objects, so that the using experience of the user can be improved.

Description

technical field [0001] The present application relates to the field of network technology, and in particular to a method and device for determining a service quota. Background technique [0002] With the rapid development of Internet business, online transactions are becoming more and more popular. Based on the characteristics of online transactions such as opacity, in order to ensure the interests of consumers, trading platforms often require sellers to pay a deposit when opening a store, so that in the event of disputes, you can Use the security deposit to pay consumers to protect the interests of consumers. [0003] In the related technology, the seller needs to pay the deposit in full. For some specific experience categories, the amount of the deposit is relatively high, which increases the seller's experience cost and even affects the seller's business progress. In order to solve the above problems, the security deposit insurance business was born. Sellers who meet the...

AI Technical Summary

Problems solved by technology

[0004] At present, insurance companies usually evaluate the credit line for the seller's security deposit based on the historical assets and other relevant information provided by the seller. However, in such an implementation plan, the information provided by the seller may be untimely, inaccurate, or even falsified. As a result, the credit line of the assessed margin is not accurate enough

At the same time, the current evaluation scheme cannot take into account factors such as the seasonality, short-term development trend, and long-term development trend of the seller's business behavior, which will also lead to the inaccurate credit line obtained from the evaluation, and cannot reflect the differentiation of the margin credit line

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