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Credit data processing method and system and storage medium

A data processing system and data processing technology, applied in the field of data processing, can solve problems such as lack of user credit evaluation, user blacklisting, and loss of promoters

Inactive Publication Date: 2019-10-18
WUXI TVMINING MEDIA SCI & TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, some users take the commission of the promoter’s cashback by purchasing and returning the product, which makes the promoter suffer losses.
The existing rebate platform lacks the function of user credit evaluation, and the risk control department can only manually judge whether users need to be blocked, lacking objective evaluation

Method used

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  • Credit data processing method and system and storage medium

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Embodiment Construction

[0042] The present invention will be further described below in conjunction with the accompanying drawings and specific embodiments.

[0043] refer to figure 1 , the present embodiment discloses a credit data processing method, which includes the following steps:

[0044] S1. Obtain the user's purchase record and return record.

[0045] In this embodiment, the user's purchase record and return record can be imported through an EXCEL sheet, or can be obtained through an interface provided by the e-commerce platform. When there is no interface provided by the e-commerce platform, data crawling can also be performed in the background of the merchant through a web crawler program to obtain the user's purchase records and return records. Crawling through a web crawler program or obtaining purchase records and return records through the interface provided by the e-commerce platform can ensure that the purchase records and return records can be updated in a timely manner.

[0046]...

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Abstract

The invention discloses a credit data processing method and system, and a storage medium. The method comprises the following steps: obtaining a purchase record and a return record of a user; calculating a purchase value of the user according to the purchase record of the user; calculating a return value of the user according to the return record of the user; and calculating the credit rating of the user according to the purchase value and the return value of the user. According to the invention, the purchase record and the return record of the user are acquired, the purchase value and the return value of the user are calculated respectively, and then the credit rating of the user is calculated according to the purchase value and the return value, so that an objective evaluation mode can beprovided to evaluate the credit rating of the user, and a decision basis is provided for a risk control department. The method can be widely applied to the field of data processing.

Description

technical field [0001] The invention relates to the field of data processing, in particular to a credit data processing method, system and storage medium. Background technique [0002] With the development of technology and people's growing consumer demand, e-commerce has entered thousands of households. In today's society, most young people will shop online. In the development process of the e-commerce platform, many incidental industries of the e-commerce industry have been derived. Among them, the e-commerce promotion industry has developed relatively large. The main business model of the e-commerce promotion industry is to push product information to users through the media. If the user purchases the product under its recommendation, the merchant needs to pay a certain commission to the promoter as Remuneration, and the promoter can pay a certain commission to the user as remuneration, forming mutual benefit. [0003] However, some users take the commission of the pro...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/06
CPCG06Q30/0609G06Q30/0631
Inventor 史晨光
Owner WUXI TVMINING MEDIA SCI & TECH