Merchant evaluation method and system

Abstract

A merchant evaluation method includes: acquiring multi-dimensional evaluation index data of a merchant to be evaluated; for the multi-dimensional evaluation x data, obtaining, by calculation based on standard normal distribution, a health portrait of the merchant to be evaluated, and obtaining, by calculation based on a geometric mean, a health score of the merchant to be evaluated, wherein the health portrait is data representing at least one evaluation result of the merchant to be evaluated; and outputting the health portrait and the health score of the merchant to be evaluated.

1 . A merchant evaluation method, comprising:
 acquiring multi-dimensional evaluation index data of a merchant to be evaluated;   for the multi-dimensional evaluation index data, obtaining, by calculation based on standard normal distribution, a health portrait of the merchant to be evaluated, and obtaining, by calculation based on a geometric mean, a health score of the merchant to be evaluated, wherein the health portrait is data representing at least one evaluation result of the merchant to be evaluated; and   outputting the health portrait and the health score of the merchant to be evaluated.   
     
     
         2 . The method according to  claim 1 , further comprising:
 determining evaluation indexes in multiple dimensions, and acquiring a merchant black sample and a merchant white sample; and   establishing a logistic regression merchant evaluation model for the evaluation indexes in the multiple dimensions based on the merchant black sample and the merchant white sample, wherein the health portrait and the health score of the merchant to be evaluated are obtained using the merchant evaluation model.   
     
     
         3 . The method according to  claim 2 , wherein obtaining, by calculation based on standard normal distribution, a health portrait of the merchant to be evaluated comprises:
 inputting the multi-dimensional evaluation index data into the merchant evaluation model;   obtaining, by calculation based on standard normal distribution, a probability value of evaluation index data in each dimension; and   synthesizing the probability value of the evaluation index data in each dimension to obtain the health portrait of the merchant to be evaluated, wherein the health portrait of the merchant to be evaluated reflects normal distribution of the merchant to be evaluated in merchant evaluation historical data.   
     
     
         4 . The method according to  claim 3 , wherein obtaining, by calculation based on a geometric mean, a health score of the merchant to be evaluated comprises:
 calculating a geometric mean of the probability values of the evaluation index data in the multiple dimensions for the merchant to be evaluated.   
     
     
         5 . The method according to  claim 1 , wherein the multi-dimensional evaluation index data comprises any combination of merchant background identity evaluation index data, merchant operation history evaluation index data, merchant operation capability evaluation index data, merchant business relationship evaluation index data, and merchant operation characteristics evaluation index data. 
     
     
         6 . The method according to  claim 5 , further comprising:
 obtaining the evaluation index data in each dimension from original evaluation index description information, wherein the original evaluation index description information is inputted into an index model preset for an index to obtain evaluation index data used for describing a score of the index.   
     
     
         7 . The method according to  claim 1 , further comprising:
 displaying on a screen the health portrait and the health score of the merchant to be evaluated.   
     
     
         8 . A merchant evaluation system, comprising:
 a processor, and   a memory storing instructions executable by the processor;   wherein the processor is configured to:   acquire multi-dimensional evaluation index data of a merchant to be evaluated;   for the multi-dimensional evaluation index data, obtain, by calculation based on standard normal distribution, a health portrait of the merchant to be evaluated, and obtain, by calculation based on a geometric mean, a health score of the merchant to be evaluated, wherein the health portrait is data representing at least one evaluation result of the merchant to be evaluated; and   output the health portrait and the health score of the merchant o be evaluated.   
     
     
         9 . The system according to  claim 8 , wherein the processor is further configured to:
 determine evaluation indexes in multiple dimensions;   acquire a merchant black sample and a merchant white sample; and   establish a logistic regression merchant evaluation model for the evaluation indexes in the multiple dimensions based on the merchant black sample and the merchant white sample.   
     
     
         10 . The system according to  claim 9 , wherein the processor is further configured to:
 input the multi-dimensional evaluation index data into the merchant evaluation model;   obtain, by calculation based on standard normal distribution, a probability value of evaluation index data in each dimension; and   synthesize the probability value of the evaluation index data in each dimension to obtain the health portrait of the merchant to be evaluated, wherein the health portrait of the merchant to be evaluated reflects normal distribution of the merchant to be evaluated in merchant evaluation historical data.   
     
     
         11 . The system according to  claim 10 , wherein the processor is further configured to: calculate a geometric mean of the probability values of the evaluation index data in the multiple dimensions for the merchant to be evaluated. 
     
     
         12 . The system according to  claim 8 , wherein the multi-dimensional evaluation index data comprises any combination of merchant background identity evaluation index data, merchant operation history evaluation index data, merchant operation capability evaluation index data, merchant business relationship evaluation index data, and merchant operation characteristics evaluation index data. 
     
     
         13 . The system according to  claim 12 , wherein the evaluation index data in each dimension is obtained from original evaluation index description information, wherein the original evaluation index description information is inputted into an index model preset for an index to obtain evaluation index data used for describing a score of the index. 
     
     
         14 . The system according to  claim 8 , further comprising:
 a screen configured to display the health portrait and the health score of the merchant to be evaluated.   
     
     
         15 . A non-transitory computer-readable storage medium having stored therein instructions that, when executed by a processor of a device, cause the device to perform a merchant evaluation method, the method comprising:
 acquiring multi-dimensional evaluation index data of a merchant to be evaluated;   for the multi-dimensional evaluation index data, obtaining, by calculation based on standard normal distribution, a health portrait of the merchant to be evaluated, and obtaining, by calculation based on a geometric mean, a health score of the merchant to be evaluated, wherein the health portrait is data representing at least one evaluation result of the merchant to be evaluated; and   outputting the health portrait and the health score of the merchant to be evaluated.