Credit score evaluation method, server and machine readable storage medium

Abstract

The embodiment of the invention provides a credit score evaluation method, a server and a machine readable storage medium, belongs to the field of shared vehicles, and solves the problem that the credit condition of a shared vehicle user cannot be provided according to the personal travel condition in the prior art. The method comprises the following steps: obtaining credit data of a shared vehicle user, wherein the credit data comprises index data influencing the credit of the user in historical data of a shared vehicle account of the user; And searching an addition and classification index item, a subtraction and classification index item and a risk type index item which influence the credit of the user in the credit data, and obtaining the credit score of the shared vehicle user based on the addition and classification index item, the subtraction and classification index item and the risk type index item. The embodiment of the invention is suitable for evaluating the credit of the shared vehicle user.

Description

technical field [0001] The invention relates to the field of shared vehicles, in particular to a method for evaluating credit scores, a server and a machine-readable storage medium. Background technique [0002] There are many types of credit products on the market, such as the personal credit information system provided by the Credit Information Center of the People's Bank of China, and Zhima Credit under Alipay, which are used to describe a person's credit level scientifically and objectively. In the field of shared vehicles, a third-party credit system is generally used to serve users, such as Sesame Credit. However, most of the credit systems on the market focus on financial behavior. In terms of transportation, especially personal travel, they have not accumulated and provided professional data and algorithms, so they cannot objectively describe the credit status of shared vehicle users in personal travel. [0003] The goal of ofo's bike-sharing user credit algorithm i...

AI Technical Summary

Problems solved by technology

[0004] The purpose of the embodiments of the present invention is to provide a method for evaluating credit scores, a server, and a machine-readable storage medium, which solves the problem in the prior art that the credit status of shared vehicle users cannot be provided according to individual travel conditions, and realizes the goal for the travel industry. Based on the characteristics of user credit, by encouraging good behavior and punishing bad behavior, thereby reducing travel risks and better implementing travel regulations

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