Credit assessment method and system

Abstract

The invention discloses a credit assessment method and system. The credit assessment method includes the steps of obtaining initial confidence values of users according to personalized credit control information of the users; analyzing detailed record data of the users to obtain social circle information of the users; calculating confidence value correction factors through the obtained social circle information, and correcting the initial confidence values to obtain credit values of the users. By means of the credit assessment method, credit parameters of social circles of the users are introduced into a user credit assessment system, the social circle information is mined and calculated through a large data platform, the confidence degree correcting factors of the social circles of the users are introduced on the basis of the initial confidence values of the users, objective assessment on the credits of the users is achieved, operators can easily and comprehensively assess the credit reliability of the users in a multi-dimension mode, the user experiences are accordingly improved, and operational risks of the operators are reduced; in other words, the occurrence probability of events such as money owing is lowered.

Description

technical field [0001] The invention relates to post-pay service technology, in particular to a credit evaluation method and system for post-pay users. Background technique [0002] At present, the post-paid service has become an increasingly familiar service for mobile phone users and network users. The post-paid service is the method that users use first and then pay. On the one hand, it facilitates the use of services by users and expands the payment channels of operators. On the one hand, it also reduces the real-time demand for IT operation and maintenance systems, thereby reducing billing costs. However, at the same time, postpaid services also introduce risks. For example, the phenomenon of user arrears and unpaid parking still exists, which affects the revenue of operators to a certain extent. [0003] In order to solve the problem of arrears, my country's mobile communication companies have also begun to gradually establish user credit management. At present, the a...

AI Technical Summary

Problems solved by technology

Once the user exceeds the arrears amount or the arrears time threshold, it will enter the blacklist, so that it will be partially or completely restricted in business use and handling

[0004] The blacklist system can effectively control the occurrence of malicious arrears of some users, but at the same time, it also makes another part of friendly users, especially those who are new to the network, because there is no historical record, and the initial credit value of the network is low. Due to non-subjective and accidental factors such as conditional restrictions, they will be blacklisted, which will inevitably bring inconvenience to business use and affect the brand loyalty of operators.

Therefore, the existing evaluation of user credit is not accurate enough

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