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Method, device and system for transaction entity credit assessment in online transaction platform

A technology for online transactions and transactions, applied in sales/lease transactions, data processing applications, instruments, etc., can solve problems such as false credit value, simplification of evaluation factors, untrustworthy evaluation system, etc., and achieve the effect of resisting fraudulent behavior

Pending Publication Date: 2017-09-12
ALIBABA GRP HLDG LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The evaluation factors of the credit evaluation methods provided by the existing online trading platforms are relatively simple, and the evaluation mainly uses factors such as transaction volume
However, under the premise of profit-seeking, some sellers have adopted illegal operations such as false transactions, such as artificially manufacturing orders to increase transaction volume, thereby falsely increasing credit value
The above methods of falsely increasing the credit value can cause the existing evaluation system of the online trading platform to be untrustworthy, and it is impossible to make a relatively objective credit evaluation of the seller

Method used

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  • Method, device and system for transaction entity credit assessment in online transaction platform
  • Method, device and system for transaction entity credit assessment in online transaction platform
  • Method, device and system for transaction entity credit assessment in online transaction platform

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Embodiment Construction

[0015] In order to enable those skilled in the art to better understand the technical solutions in the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described The implementations are only some of the implementations of the present application, not all of them. Based on the implementation manners in this application, all other implementation manners obtained by persons of ordinary skill in the art without creative efforts shall fall within the protection scope of this application.

[0016] The application can be in numerous general purpose or special purpose computing device environments or configurations. For example: personal computer, server computer, handheld or portable device, tablet type device, multiprocessor device, distributed computing environment including any of the above devices o...

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Abstract

The application discloses a credit evaluation method, device and system of a trading entity in an online trading platform. The method includes: acquiring historical transaction data corresponding to transaction entities in the online trading platform; extracting multiple sets of characteristic data from the historical transaction data with a plurality of predetermined characteristic dimensions, each of which includes at least one The predetermined characteristic corresponding to the above characteristic data; Substitute the characteristic data corresponding to the predetermined characteristic of the predetermined characteristic dimension into the corresponding preset reference model to obtain the characteristic value corresponding to the predetermined characteristic dimension, and the said transaction entity Characteristic values ​​of a plurality of predetermined characteristic dimensions form a characteristic vector representing the transaction entity; based on substituting the characteristic value of the characteristic vector into a preset evaluation model according to a predetermined algorithm, the credit value of the transaction entity is obtained. The credit evaluation method, device and system described in this application can objectively evaluate the credit value of transaction entities.

Description

technical field [0001] This application relates to the field of network data processing, in particular to a credit evaluation method, device and system for transaction entities in an online transaction platform. Background technique [0002] The online trading platform is a third-party transaction security platform, and its main function is to ensure the safety and integrity of the transactions conducted by both parties on the Internet. Through the online trading platform, activities such as e-commerce can be carried out between sellers and buyers. In e-commerce activities, the online trading platform is required to make a reasonable evaluation of the seller's credit value, so that the buyer can accurately choose the seller with high credit value for transactions. [0003] At present, existing online trading platforms mostly provide cumulative credit evaluation methods, such as cumulative sales. The evaluation factors of the credit evaluation methods provided by the existi...

Claims

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Application Information

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IPC IPC(8): G06Q30/06
CPCG06Q30/0609
Inventor 胡始昌
Owner ALIBABA GRP HLDG LTD
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