Credit determining method and device

A credit and user technology, applied in the computer field, can solve the problems of low population coverage, affecting the accuracy of credit assessment, and inability to assess the credit of all people, to achieve the effect of widening the boundaries

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, there are problems in the assessment of user credit by related technologies, such as low coverage of the population (unable to assess the credit of all groups of people), and incomplete credit data, which affects the accuracy of credit assessment.

Method used

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  • Credit determining method and device
  • Credit determining method and device

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Experimental program
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Embodiment Construction

[0033] First, the problems existing in the way of assessing user credit in related technologies are explained. The inventor found in the process of implementing the present invention that there are at least the following problems in evaluating user credit in related technologies:

[0034] 1) The population covered by credit information data is limited

[0035] Taking the traditional credit investigation method as an example, it mainly evaluates credit based on online financial activity data such as bank flow and past credit records of users. The types of data used are small, the amount of data is small and low-frequency, and the coverage of credit information data to the population is low. , since a considerable number of people do not have credit data, it is impossible to assess the credit of these people without credit data.

[0036] 2) The accuracy of credit evaluation is limited

[0037] Taking credit evaluation based on Internet behavior data as an example, credit evalua...

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Abstract

The invention discloses a credit determining method and device. The method comprises: obtaining a geographical position sequence based on a data source, the geographical position sequence comprising user different positions at different time; clustering geographical positions in the geographical position sequence to obtain locations; determining the geographic attribute of each location according to the geographical position and time corresponding to each location; constructing a geographical attribute sequence based on the geographical attribute of each location and corresponding time; performing first mapping processing on the geographical attribute of each location in the geographical attribute sequence and time to obtain the user credit characteristic of at least one dimension; and based on the user credit characteristic of at least one dimension, performing second mapping processing to obtain user credit. The credit determining method and device can excavate information in the geographical position sequence to comprehensively determine user credit.

Description

technical field [0001] The invention relates to the field of computer technology, in particular to a method and device for determining credit. Background technique [0002] The credit information system is a credit file established for users, which is then provided to banks, data subjects themselves, financial regulatory agencies, judicial departments, and other government agencies. This activity of sharing credit information is credit investigation. On the one hand, the credit information system is a tool to prevent financial risks and play a role in maintaining financial stability; on the other hand, it also plays a role in promoting the establishment of a social credit system. [0003] At present, the assessment of user credit is mainly based on credit data (such as bank account flow, consumption records, credit records, etc.), user behavior data on shopping platforms, and income status to assess user credit. [0004] However, there are problems in the assessment of use...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/02
Inventor 刘志斌刘日佳郑博
Owner TENCENT TECH (SHENZHEN) CO LTD
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