Personal financial credit evaluation method based on geographic, sports and social information fusion
A credit evaluation and social information technology, applied in the field of financial information security, can solve problems such as no personal behavior information, lack of credit evaluation methods, and low accuracy of credit evaluation
Inactive Publication Date: 2017-07-07
SHANGHAI YUNJIAN INFORMATION TECH CO LTD
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Problems solved by technology
[0003] In 2016, Tencent released "a method and device for determining credit". It obtains a sequence of geographic locations based on data sources, and obtains credit characteristics of users in more than one dimension according to the relevant geographic location and corresponding time, and then obtains the user's credit. However, Tencent's evaluation method does not involve personal behavior information
However, because the vast majority of users still do not use the electronic payment function, the acquisition of relevant credit data cannot cover such users
[0006] To sum up, when the third-party credit information system obtains insufficient personal information data, the accuracy of credit evaluation is low, and there is still a lack of credit evaluation methods for multiple information fusion at this stage
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[0018] Due to the rapid development of the Internet and smart tools, the era of big data has come. Banks and other credit information systems combine users' related financial and economic transactions on the Internet (such as user payments and returns recorded through platforms such as Alipay, WeChat Pay, and Ant Huabei) payment, wealth management and other transaction records) to evaluate the user's credit.
[0019] However, because the vast majority of users still do not use the electronic payment function, the collection and statistics of relevant data have defects of one-sidedness and small quantity, which leads to the one-sidedness of the current credit evaluation basis.
[0020] Now the penetration rate of WeChat has reached a very high level, and at the same time, the mobile phone system's built-in positioning system and related geographic location navigation applications are the general trend. More and more people are pursuing a healthy lifestyle and yearning for an in...
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The invention discloses a personal financial credit evaluation method based on geographic, sports and social information fusion. The method comprises three modules which are a personal information collection module, a personal behavior abnormal detection module and a personal financial credit evaluation module. According to the method, the contents of user geographic information, sports information and social information are comprehensively analyzed, the inference and judgment of the sports habit and behavior state of a user at a related geographic position are carried out, an inference result and a personal normal information fusion library are compared, personal behavior abnormality is found, and then the financial credit of the user is evaluated. At present, the process of evaluating personal financial credit is over dependent on financial information, the current problem is overcome by the method, geographic, sports and social information are fused, and an evaluation method is enriched.
Description
technical field [0001] The invention belongs to the field of financial information security, in particular to a personal financial credit evaluation method based on the fusion of geographical, sports and social information. Background technique [0002] The "China Monetary Policy Implementation Report for the Fourth Quarter of 2016" mentioned that the current monetary policy should further promote the optimization of the credit structure and support economic restructuring and transformation and upgrading. The construction of a credit investigation system in the process of social financing is a very critical link in the current credit process, which is related to the stability of macroeconomics and finance and the development of microeconomic entities. [0003] In 2016, Tencent released "a method and device for determining credit". It obtains a sequence of geographic locations based on data sources, and obtains credit characteristics of users in more than one dimension accord...
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IPC IPC(8): G06Q20/02G06Q30/00G06Q30/06G06Q40/00
CPCG06Q20/02G06Q30/01G06Q30/0609G06Q40/00
Inventor 王勇郭彦宏刘蔚
Owner SHANGHAI YUNJIAN INFORMATION TECH CO LTD