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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
An electronic system and method is provided for determining a credit risk score for an online merchant. The system includes a transaction database including transaction data relating to payment card transactions performed by customers at multiple merchants, a financial performance database including 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.
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