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Method and system for calculating credit scores based on social data

A social data and data computing technology, applied in the field of data processing, can solve the problem that the central bank only has basic information and no measurable credit value.

Inactive Publication Date: 2018-01-26
GUANGDONG YOUMAI INFORMATION COMM TECH
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  • Summary
  • Abstract
  • Description
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Problems solved by technology

[0002] According to Yang Ziqiang, assistant to the governor of the People’s Bank of China, in an interview with the media, by the end of 2015, the central bank’s credit investigation system had included 880 million natural persons, but only 380 million of them had credit records, which meant that the other 500 million people had only Basic information without a credit score that measures credit

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  • Method and system for calculating credit scores based on social data
  • Method and system for calculating credit scores based on social data
  • Method and system for calculating credit scores based on social data

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Embodiment Construction

[0055] Below, in conjunction with accompanying drawing and specific embodiment, the present invention is described further:

[0056] Such as figure 1 As shown, it is a flow chart of Embodiment 1 of a social data-based credit value calculation method disclosed in the present invention, including:

[0057] S101. Obtain user social data;

[0058] With the rapid development of Internet social networking and the large-scale popularization of users in the past ten years, a large amount of social data that has been deposited on Internet social platforms can be applied to many life consumption scenarios and financial scenarios after big data processing and further mining. Users can be retrieved directly on the Internet to obtain the user's social data, and the user's social information can also be retrieved in a dedicated database. Access to data on its own social platforms, data obtained through cooperation with other social platforms, and purchase of Internet public data from thir...

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Abstract

The invention discloses a method for calculating credit scores based on social data. The method herein includes the following steps: acquiring a user's social data, and based on the social data, calculating the user's credit score. The invention also discloses a method for calculating the credit scores based on social data. The method herein can calculate the user's credit score based on the user's social data, and rapidly establishes credit for people who have no official credit record

Description

technical field [0001] The present invention relates to the technical field of data processing, in particular to a method and system for calculating credit value based on social data. Background technique [0002] According to Yang Ziqiang, assistant to the governor of the People’s Bank of China, in an interview with the media, by the end of 2015, the central bank’s credit investigation system had included 880 million natural persons, but only 380 million of them had credit records, which meant that the other 500 million people had only Basic information without a credit score that measures credit. These 500 million people include many migrant workers, students, and self-employed individuals who have not been given credit ratings because they have no credit history. [0003] Therefore, how to quickly construct credit information for people with missing official credit information records has become an urgent problem to be solved by those skilled in the art. Contents of th...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q50/00
Inventor 陈强朱晓霖
Owner GUANGDONG YOUMAI INFORMATION COMM TECH