User credit model establishment method and device

A model-building and user-based technology, applied in the Internet field, can solve problems such as low accuracy of user credit scores and achieve good interpretability

Active Publication Date: 2017-09-26
ADVANCED NEW TECH CO LTD
View PDF6 Cites 3 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The embodiment of the present application provides a method and device for establishing a user credit model to solv

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • User credit model establishment method and device
  • User credit model establishment method and device
  • User credit model establishment method and device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0039] In this embodiment, some regions meeting specific requirements are established first, and each region corresponds to a cluster. Here, the users in the area meeting the specific requirements are the users whose feature values ​​under at least one specified feature parameter meet a preset value range. In addition, when determining the similarity between two users, the weight of the at least one specified feature parameter is increased.

[0040] Such as figure 2 As shown, taking the formation of a cluster as an example, the flow chart of the method for establishing a user credit model provided by Embodiment 1 of the present application is introduced, including the following steps:

[0041] S201: From the user database, select at least one user whose feature value under at least one specified feature parameter meets a preset value range, and use the selected at least one user as a core object in a cluster.

[0042] In a specific implementation, some specified characteris...

Embodiment 2

[0062] Through the analysis of historical behavior data of some users, it may be found that these users have a user characteristic that we are concerned about, but for this user characteristic, it is impossible to extract the characteristic parameters that affect it. In this case, you can choose to directly specify the core user The way.

[0063] Such as Figure 5 As shown, it is a flow chart of the method for establishing a user credit model provided in Embodiment 2 of the present application, including the following steps:

[0064] S501: Select at least one specified user from the user database as a core object in a cluster.

[0065] In the specific implementation, according to the characteristics of some users concerned, through the analysis of historical behavior data of some users, some users are directly designated as the core objects in the cluster, and the core users in different clusters can be designated according to different user characteristics. Here we take a c...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

PUM

No PUM Login to view more

Abstract

The invention relates to the internet technology field and particularly relates to a user credit model establishment method and device in order to solve a problem that in the prior art a user credit score which is calculated by using a unified credit model is very low. The user credit model establishment method comprises steps of choosing at least one user as a core object in one cluster from a user database, for every core object in the cluster, determining similarities between each of other users and the core object according to the core object and characteristic values of each of other users under multiple characteristic parameters besides the core object in the cluster in the user database, determining other users classified into the cluster according to the similarities between each of the other users and the core object, and adopting a modeling mode corresponding to the cluster to establish the user credit model targeting various users in the cluster.

Description

technical field [0001] The present application relates to the field of Internet technology, in particular to a method and device for establishing a user credit model. Background technique [0002] At present, the biggest risk of Internet finance is user credit risk. Establishing a good credit evaluation system is of great significance to the healthy development of Internet finance. [0003] Existing credit evaluation systems usually need to calculate a user's credit score based on a pre-trained user credit model. The training of user credit models is inseparable from the support of big data. In addition to directly related credit data, a large amount of unstructured credit weakly related data will also be introduced in the credit model training. [0004] Existing credit evaluation systems generally use a unified credit model for all users, that is, complete credit evaluation for all groups of people in a scoring system. However, for people with different group characterist...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

Application Information

Patent Timeline
no application Login to view more
IPC IPC(8): G06Q30/06
CPCG06Q30/0609
Inventor 杜玮王晓光施兴张柯余舟华杨强鹏李文鹏陈琰漆远
Owner ADVANCED NEW TECH CO LTD
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Try Eureka
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap