1results about How to "High linear correlation" patented technology

This invention discloses a method, apparatus, device, and storage medium for credit assessment of campus card deduction transactions, relating to the technical field of campus card systems. The method includes: acquiring deduction transaction information data of the user to be assessed; constructing a feature matrix of independent variables with multiple dimensions, whereby the deduction transaction information data includes transaction behavior data and user information data; mapping the original feature values ​​in the feature matrix of independent variables to corresponding WOE values ​​according to a pre-constructed feature mapping rule, wherein the pre-constructed feature mapping rule is obtained after optimal binning of historical sample data based on the DFS binning algorithm; inputting the mapped WOE values ​​into a pre-trained logistic regression model to calculate the user's risk quantification score; and generating risk control instructions based on the comparison result between the risk quantification score and a preset threshold. This application can solve the risk of overdue payments and bad debts under the campus card deduction model, realizing accurate assessment and automated hierarchical management of user credit risk.