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Assessment overdue probability method and device

A probabilistic technology to be evaluated, applied in the field of Internet finance, can solve the problems of not being able to obtain the user's overdue probability and difficult to track customer information

Inactive Publication Date: 2017-01-04
UNION MOBILE PAY
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  • Abstract
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Problems solved by technology

[0005] In order to solve the problem in the prior art that it is difficult to track customer information and thus fail to obtain the user's overdue probability, the embodiment of the present invention provides a method and device for evaluating the overdue probability, which is used to obtain the user's time limit in each period from multiple third-party applications. A comprehensive evaluation of the third-party information in a third-party application to obtain the user's overdue probability score

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  • Assessment overdue probability method and device
  • Assessment overdue probability method and device
  • Assessment overdue probability method and device

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Embodiment Construction

[0053] In order to make the object, technical solution and beneficial effects of the present invention more clear, the present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0054] figure 1 It exemplarily shows a schematic flowchart of a method for evaluating overdue probability provided by an embodiment of the present invention, as shown in figure 1 shown, including the following steps:

[0055] Step 101: According to the authorization information of the user, obtain the third-party information of the user in each third-party application from multiple third-party applications respectively;

[0056] Step 102: Extract the information to be verified corresponding to the predefined options from each third-party information;

[0057] Step 103: taking the third-...

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Abstract

The embodiment of the invention relates to the internet financial field, especially to an assessment overdue probability method and device. The objective of the invention is to perform assessment of the user overdue probability risk index through a lending institution. In the embodiment, according to the user authorization information, third party information is obtained from a plurality of third party applications; the information to be verified corresponding to a pres-defining option is extracted from each third-party information; the third party information consistent to the information to be verified is taken as the third party information to be assessed; if the number of the third party information to be assessed satisfies a setting condition, the information to be verified in the third party information to be assessed is taken as valid information; and the valid information is inputted to an overdue assessment model, the user overdue probability scores are obtained, the overdue assessment model is obtained through training the known user third party information and the known user overdue result to allow the lending institution to assess the user overdue probability risk index according to the user overdue probability scores.

Description

technical field [0001] The embodiment of the present invention relates to the field of Internet finance, and in particular to a method and device for evaluating overdue probability. Background technique [0002] When traditional banks and other financial institutions judge a customer's credit status, they will refer to the customer's work situation and the income certificate issued by the unit to conduct a comprehensive assessment of the customer's economic level and future loan repayment ability. Traditional banks and other financial institutions use this to judge Whether to grant credit to the customer and issue a loan. It can be seen that the working conditions of customers are very critical for traditional banks and other financial institutions when judging the credit of customers. [0003] In the existing technology, financial institutions mainly review information such as units and positions provided by customers before lending. After customers get loans, they can no ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 张惠亮刘胜吴锋海
Owner UNION MOBILE PAY
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