Credit data processing method and server

A server and credit technology, applied in the field of Internet technology and big data processing, can solve problems affecting the validity of credit, single source of original credit data, complex workload, etc., to achieve simple and easy preprocessing, simple and usable models and systems , the effect of reducing the workload

Active Publication Date: 2016-11-09
TENCENT TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, when using the existing technology to process credit data, since the original credit data required by the entity is different for entities in different application scenarios, the workload of the server to analyze credit through the original credit data is It is more complicated, and the source of the original credit data obtained by the server is based on the data formed by the user behavior pattern, resulting in a single source of the original credit data, which affects the effectiveness of evaluating the credit of the entity based on the original credit data

Method used

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  • Credit data processing method and server
  • Credit data processing method and server
  • Credit data processing method and server

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0079] The embodiment of the present invention provides a credit data processing method, such as figure 2 As shown, the method may include:

[0080] S101. Acquire first time-related data obtained by a first entity performing an operation on a terminal, where the first time-related data is used to represent a reliable association relationship between the first entity and time information.

[0081] It should be noted that the credit data processing method provided by the embodiment of the present invention is a process in which the server side evaluates the credit of the entity itself through the use time data related to the entity obtained from the terminal.

[0082] In particular, the embodiment of the present invention is a credit evaluation process based on the first time-related data around the terminal.

[0083] It should be noted that the first time-related data in the embodiment of the present invention is the credit data of the first entity.

[0084] Optionally, the ...

Embodiment 2

[0131] A kind of credit data processing method that the embodiment of the present invention provides, such as image 3 As shown, the method may include:

[0132] S201. Acquire original time-related data obtained by the first entity performing operations on the terminal, where the original time-related data is used to represent a reliable association relationship between the first entity and time information.

[0133] It should be noted that the credit data processing method provided by the embodiment of the present invention is a process in which the server side evaluates the credit of the entity itself through the use time data related to the entity obtained from the terminal.

[0134] In particular, the embodiment of the present invention is a credit evaluation process based on time-related data around the terminal.

[0135] It should be noted that the original time-related data in this embodiment of the present invention is the credit data of the first entity.

[0136] Op...

Embodiment 3

[0221] Such as Figure 6 As shown, the embodiment of the present invention provides a server 1, the server 1 may include:

[0222] The acquiring unit 10 is configured to acquire first time-related data obtained by the first entity performing operations on the terminal, the first time-related data being used to represent a reliable association between the first entity and time information.

[0223] A construction unit 12, configured to perform feature construction according to the first time-related data acquired by the acquisition unit 10, the generation unit 13 generates a first model, and the first model is used to evaluate the credibility of the first entity ;

[0224] The acquiring unit 10 is further configured to acquire the current user behavior of the first entity.

[0225] The output unit 14 is configured to input the current user behavior of the first entity acquired by the acquisition unit 10 into the first model generated by the generation unit 13 as a terminal us...

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Abstract

An embodiment of the invention discloses a credit data processing method. The method can comprise the steps of obtaining first time related data obtained by performing operation on a terminal by a first entity, wherein the first time related data is used for representing a reliable associative relationship between the first entity and time information; performing feature construction according to the first time related data to generate a first model, wherein the first model is used for assessing the credibility of the first entity; and obtaining a current user behavior of the first entity, inputting the current user behavior as a to-be-detected terminal usage record into the first model, and obtaining a credit assessment result for the current user behavior of the first entity. An embodiment of the invention furthermore provides a server.

Description

technical field [0001] The invention relates to Internet technology and big data processing technology in the communication application field, in particular to a credit data processing method and server. Background technique [0002] With the rapid development of Internet technology, the credit degree or credit evaluation of the entity corresponding to the terminal has become an important part of the user's daily life application. user account etc. For example, when an individual in the service industry enters the market circulation as an individual, when other consumers choose the individual to provide services, they will refer to the credit of the individual to determine whether to entrust the service to the individual. [0003] In the prior art, the server obtains the original credit data used to evaluate the user's personal (entity) credit through the Internet, the client or a third-party organization, and analyzes the user's credit through the original credit data. Fo...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/06
CPCG06Q30/0609
Inventor 郑博陈玲黄引刚黎新陈明星
Owner TENCENT TECH (SHENZHEN) CO LTD
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