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Mobile user credit line evaluation method and evaluation system

A credit line and mobile user technology, applied in the field of communication, can solve problems such as lack of system analysis and data support, and achieve the effect of improving satisfaction

Inactive Publication Date: 2016-10-26
CHINA UNITED NETWORK COMM GRP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The determination method of the above-mentioned credit limit lacks detailed system analysis and data support, and the user's credit limit is fixed after being judged and determined. In actual situations, the user's credit limit often changes continuously with the changes in consumption , the existing credit limit determination method cannot realize the dynamic determination of the user's credit limit

Method used

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  • Mobile user credit line evaluation method and evaluation system
  • Mobile user credit line evaluation method and evaluation system
  • Mobile user credit line evaluation method and evaluation system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0055] This embodiment provides a method for evaluating a mobile user's credit limit, such as figure 1 shown, including:

[0056] Step 1: Determine the category of users to be evaluated.

[0057] Step 2: Predict the call charges of the users to be evaluated within the time to be evaluated.

[0058] Step 3: Calculate the credit limit of the user to be evaluated within the time to be evaluated according to the category of the user to be evaluated and the prediction result of the call fee.

[0059] It should be noted that the time to be evaluated may be any time, for example, the time to be evaluated may be set to a certain month.

[0060] The evaluation method of the mobile user's credit limit can dynamically predict the user's consumption change, dynamically determine the user's credit limit according to the user's consumption change, and realize the dynamic evaluation of the user's credit limit, thereby effectively improving the user's credit limit. satisfaction.

Embodiment 2

[0062] This embodiment provides a method for evaluating a mobile user's credit limit, including:

[0063] Step 1: Determine the category of users to be evaluated.

[0064] This step specifically includes: figure 2 as shown,

[0065] Step 11: Define user characteristics.

[0066] In this step, the user feature is defined as a two-dimensional vector (f, t) composed of the package price f used by the user and the terminal type price t. Among them, the package price f used by the user can be queried from the customer management system, the price t of the terminal type used by the user can be queried from the online record data system, and the terminal type price t can generally be queried from the official website of the terminal.

[0067] Step 12: Extract training samples, the category of each user in the training samples has been determined.

[0068] In this step, training samples are extracted from the customer management system. The training samples include multiple user...

Embodiment 3

[0095] This embodiment provides a mobile user credit evaluation system, such as Figure 4 As shown, it includes: a determination module 1, configured to determine the category of the user to be evaluated. The prediction module 2 is used to predict the call charges of the users to be evaluated within the time to be evaluated. The calculation module 3 is used to calculate the credit line of the user to be evaluated within the time to be evaluated according to the category of the user to be evaluated and the prediction result of the call charge.

[0096] In this embodiment, the determining module 1 includes: a defining unit 11, configured to define user characteristics. The extracting unit 12 is configured to extract training samples in which the category of each user has been determined. The first calculation unit 13 is configured to acquire the feature values ​​of the user to be evaluated and each user in the training sample, and calculate the Euclidean distance between the f...

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Abstract

The invention provides a mobile user credit line evaluation method and an evaluation system. The mobile user credit line evaluation method comprises the steps of judging the category of a user to be evaluated, predicting the call charge of the user to be evaluated in a time period to be evaluated, and calculating the credit line of the user to be evaluated in the time period to be evaluated according to the category of the user to be evaluated and the call charge predicting result. According to the mobile user credit line evaluation method, the consumption change of a user can be dynamically predicted by dynamically perceiving and analyzing the historical consumption information of the user in a training sample, the credit line of the user is determined dynamically according to the consumption change of the user, dynamic evaluation of user credit line is realized, and therefore, the degree of satisfaction of users is improved effectively.

Description

technical field [0001] The invention relates to the technical field of communications, in particular to an evaluation method and an evaluation system for a mobile user's credit limit. Background technique [0002] The mobile user credit limit is the credit sales limit granted to the customer under the specific credit conditions of the operator. It is usually based on the customer's evaluation of the user's package price and the judgment of the customer's credit limit based on the customer's situation. Usually, the user's credit limit is fixed after being judged and determined by the above method. [0003] The determination method of the above-mentioned credit limit lacks detailed system analysis and data support, and the user's credit limit is fixed after being judged and determined. , the existing credit limit determination method cannot realize the dynamic determination of the user's credit limit. Contents of the invention [0004] The present invention aims at the abo...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/06H04W8/18
CPCG06Q30/0609H04W8/18
Inventor 杨宇王志军李希金
Owner CHINA UNITED NETWORK COMM GRP CO LTD
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