Online credit risk assessment method based on long-term using behavior of user

A risk assessment and user technology, applied in data processing applications, instruments, finance, etc., can solve problems such as reducing company performance, cumbersome application process, and affecting user experience in applying for loans, so that it is not easy to forge and increase the cumbersomeness of application Effect

Inactive Publication Date: 2016-04-20
优赛恒创科技发展(北京)有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

To reduce the probability of fraud, users are required to fill in more user information, making the application process more and more cumbersome
The cumbersome application process will negatively affect the user experience of applying for a loan and will reduce the company's performance

Method used

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  • Online credit risk assessment method based on long-term using behavior of user
  • Online credit risk assessment method based on long-term using behavior of user

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Experimental program
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Effect test

Embodiment Construction

[0025] The present invention provides an online credit risk assessment method based on long-term use behaviors of users, which can collect real behaviors of users without the user's perception, use these behaviors to construct features, and then rely on a decision-making engine to find potential fraudulent users. The data collected by the present invention is collected when the user applies for a loan, and does not infringe on the privacy information of the user.

[0026] The present invention extracts effective signals respectively by collecting the user's real-time geographic location, input time, input method, and input prompt content when filling in the loan application form, including geographic location signal, behavior signal, and input method signal , phrase selection signals, and credit application recognition is one of the applications of these four-layer features. Practical applications require a set of data science analysis frameworks, such as figure 1 As shown, i...

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Abstract

The invention provides an online credit risk assessment method based on the long-term using behavior of a user. The long-term using habit of the user on a mobile application APP is used as an anti-fraud analysis means, effective signals are extracted by acquiring a real-time geographic position, input time, an input method and input hint content which are input by the user when the user fills in a loan application form, and comprise an input method signal, a behavior signal and a phrase selecting signal, then the signals are converted into characteristics, and therefore a decision-making tree or other risk models are utilized to perform classification judgment. On the basis of the original application process, many characteristics can be provided for an anti-fraud algorithm without improving the application complexity degree; the natural using habit of the user is extracted and cannot be faked easily.

Description

technical field [0001] The invention relates to a credit evaluation method using a mathematical model, in particular to an online credit risk evaluation method based on long-term user behavior. Background technique [0002] With the rapid development of the mobile Internet, people are becoming more and more accustomed to using mobile phones for shopping, consumption and entertainment. More and more lending activities have also begun to move online. P2P refers specifically to small loan transactions between individuals. The professional e-commerce network platform helps both borrowers and lenders establish a loan relationship and complete relevant transaction procedures. In order to protect the interests of the lenders, the platform side needs to conduct a comprehensive assessment of the credit qualifications of the borrowers. Due to the relatively lagging development of the domestic credit reporting system, there are a large number of frauds in various P2P platforms. [00...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06K9/62
CPCG06Q40/03G06F18/214
Inventor 种骥科彭南博王婷段念杜浩晨
Owner 优赛恒创科技发展(北京)有限公司
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