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Privacy information using method and personal credit investigation scoring method

A technology for credit scoring and communication information, applied in data processing applications, instruments, finance, etc., can solve problems such as poor security and low accuracy

Active Publication Date: 2017-11-07
上海路诚数据服务有限公司
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  • Abstract
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  • Claims
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AI Technical Summary

Problems solved by technology

[0005] In order to solve the above-mentioned problems in the prior art, that is, in order to solve the problems of low accuracy and poor security existing in the existing credit scoring method based on communication data, the present invention provides a personal credit scoring method, which includes The following steps:

Method used

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  • Privacy information using method and personal credit investigation scoring method
  • Privacy information using method and personal credit investigation scoring method
  • Privacy information using method and personal credit investigation scoring method

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Embodiment Construction

[0088] Preferred embodiments of the present invention are described below with reference to the accompanying drawings. Those skilled in the art should understand that these embodiments are only used to explain the technical principles of the present invention, and are not intended to limit the protection scope of the present invention. For example, although the sequence of implementing the method of the present invention is shown in the form of step numbers in the accompanying drawings, this sequence is not static, and those skilled in the art can make any adjustments to it without departing from the principle of the present invention. , so that it can meet more specific application scenarios.

[0089] First refer to the figure, figure 1 It is a schematic flow chart of the personal credit scoring method of the present invention. Such as figure 1 As shown, the personal credit scoring method of the present invention mainly includes the following steps:

[0090] S100. Obtain ...

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Abstract

The invention relates to the technical field of credit investigation, in particular to a privacy information using method and a personal credit investigation scoring method. The personal credit scoring investigation method aims at solving the problems that an existing communication data-based credit investigation scoring method is low in accuracy rate and poor in security. For achieving the purpose, the personal credit investigation scoring method comprises the following steps that a communication operator provides communication data of a to-be-scored customer; a credit investigation service provider provides a credit investigation scoring model; and a credit score of the to-be-scored customer is generated and stored on the basis of the communication data and the credit investigation scoring model by the communication operator. Due to the fact that the credit score of the to-be-scored customer is generated and stored on the basis of the communication data and the credit investigation scoring model by the communication operator, not only is the accuracy rate of the credit score increased, but also data leakage of the operator customer is effectively prevented, and information security of the communication operator and the operator customer is guaranteed.

Description

technical field [0001] The invention relates to the technical field of credit investigation, in particular to a method for using private information and a personal credit investigation scoring method. Background technique [0002] With the popularization and development of Internet technology in the financial industry, the phenomenon of Internet financial fraud is becoming more and more common. How to effectively control the risks in the process of financial services has become the main problem faced by major financial companies. Among them, the credit of individuals / enterprises Evaluation is the primary link for financial companies to control risks. Generally speaking, financial companies will use the credit evaluation of credit applicants by third-party credit service providers to judge the degree of risk of this credit service, and third-party credit service providers will collect relevant data of credit applicants (such as Credit applicant’s basic information, debit car...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L29/06G06Q40/02
CPCH04L63/0428G06Q40/03
Inventor 范若愚
Owner 上海路诚数据服务有限公司
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