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ELECTRONIC SYSTEM AND METHOD FOR DETERMINING A CREDIT RISK SCORE FOR AN ONLINE MERCHANT
ELECTRONIC SYSTEM AND METHOD FOR DETERMINING A CREDIT RISK SCORE FOR AN ONLINE MERCHANT
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机译:用于确定在线商家信用风险分数的电子系统和方法
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摘要
Electronic System and Method for Determining a Credit Risk Score for an Online Merchant An electronic system and method is described for determining a credit risk score for an online merchant. The system comprises a transaction database comprising transaction data relating to payment card transactions performed by customers at multiple merchants; a financial performance database comprising financial data relating to multiple merchants selling merchandise through an e-commerce marketplace; and a risk assessment component. The risk assessment component is configured for: i) receiving, from a requester, an electronic request for a credit risk score for an online merchant; ii) extracting transaction data for the merchant and/or for similar merchants from the transaction database; iii) extracting financial data for the merchant and/or for similar merchants from the financial performance database; iv) combining the extracted transaction data and financial data in a statistical model to determine the credit risk score for the merchant; and v) transmitting the credit risk score to the requester. [Figure to print with the abstract: Fig. ] 15
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