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Credit score evaluation method and credit score evaluation platform

A credit evaluation and credit technology, applied in the computer field, can solve problems such as the inability to evaluate user credit

Inactive Publication Date: 2018-07-06
INSPUR TIANYUAN COMM INFORMATION SYST CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the existing method only relies on the bank transaction data of the user after holding the card to reflect the user's credit information, but cannot evaluate the user's credit in different industries

Method used

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  • Credit score evaluation method and credit score evaluation platform
  • Credit score evaluation method and credit score evaluation platform
  • Credit score evaluation method and credit score evaluation platform

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Embodiment Construction

[0067] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part of the embodiments of the present invention, but not all of them. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative work belong to the protection of the present invention. scope.

[0068] Such as figure 1 As shown, the embodiment of the present invention provides a method for evaluating credit scores, which may include the following steps:

[0069] Step 101: Collect operator data of different users under each preset first index, and industry data under each preset second index.

[0070] Step 102: For each industry, obtain at lea...

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Abstract

The invention provides a credit score evaluation method and a credit score evaluation platform. The method comprises: operator data of different users under all preset first indicators as well as industry data of different users under all preset second indicators are collected; for each industry, at least one sample data corresponding to the current industry are obtained, at least one available indicator associated with the current industry is screened out from all first indicators and all second indicators based on the at least one sample data, the operator data, and the industry data, a weight value corresponding to each available indicator is calculated, and a credit evaluation model of the current industry is established based on the at least one available indicator and the corresponding weight value; and for each user, the collected data of the user under each available indicator are substituted into the credit evaluation model, so that a credit score of the user under the currentindustry is obtained. Therefore, the credits of the user in different industries can be evaluated.

Description

technical field [0001] The invention relates to the field of computer technology, in particular to a credit score evaluation method and a credit score evaluation platform. Background technique [0002] With the rapid growth of China's economy, the market has put forward an urgent demand for credit information systems, and credit information has become a hot industry in the market recently. How to create an honest and trustworthy social atmosphere has attracted more and more attention from the government, commercial banks and Internet financial companies. [0003] The existing personal credit information is mainly based on the data of the central bank's credit information system. Specifically, when a user opens a card at the bank, the bank will upload some transaction data of the user to the central bank's credit information system. Then the credit information of the user is reflected by the credit information system. However, the existing method only relies on the bank tra...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 赵燕青
Owner INSPUR TIANYUAN COMM INFORMATION SYST CO LTD