An Analysis Model of Merchant Discount Rate for Services of Credit Card in Commercial Bank Using Fuzzy Logic
This paper presents a model of merchant discount rate using fuzzy logic for credit card services of commercial bank. Generally, the bank staffs gather to search the information and bring them to analyze the suitable factors for setting a merchant rate. Therefore, it has a difference in merchant discount rate (MDR) of each bank. The merchants obtain the different MDR to get the lowest rate. This problem is a critical issue for business. The bank will find a method to analyze the merchants for the lowest MDR under costs and competitive market. This paper proposes an idea to help for analyzing the merchant discount factors using fuzzy logic. The samples from the business in Bangkok consisting of 1) automobiles, 2) apparels, 3) clinics, 4) restaurants, 5) materials and 6) schools. There are totally 400 samples used in this experiment. The factors for analyzing MDR comprise 1) sales volume, 2) over drown, 3) deposit and 4) time period. According to the experiment, the results of the model border on the MDR of each bank are more than 94％. The MDR can alternatively help the evaluation of the merchants.
fuzzy logic merchants merchant discount rate effective factor of merchant discount rate
Patinee Sakdanupab Davich Banthao Adisorn Leelasantitham Supaporn Kiattisin
Computer and Multimedia Engineering,School of Engineering University of the Thai Chamber of Commerce Computer and Multimedia Engineering,School of Engineering University of the Thai Chamber of Commerce
国际会议
2010 IEEE信息与自动化国际会议(ICIA 2010)
哈尔滨
英文
1-4
2010-06-20（万方平台首次上网日期，不代表论文的发表时间）