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Big data analysis method and system based on consumption record

A technology of consumption records and analysis methods, applied in the field of big data analysis, can solve the problems of incomplete user credit evaluation and inability to fully obtain the original records of user credit consumption, so as to achieve accurate and comprehensive credit evaluation value, accurate confidence value, and data source full effect

Pending Publication Date: 2018-08-21
史玉成
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The purpose of the present invention is to solve the existing problem of incomplete evaluation of user credit in the prior art due to the inability to fully obtain the original credit consumption record of the user

Method used

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  • Big data analysis method and system based on consumption record
  • Big data analysis method and system based on consumption record
  • Big data analysis method and system based on consumption record

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0052] combined with figure 1 , this embodiment provides a big data analysis method based on consumption records, including:

[0053] The node obtains the user's credit consumption information. The node mainly refers to the virtual program running the same block on the credit platform, which corresponds to a server in terms of hardware;

[0054] Judging the legitimacy of user credit consumption information and analyzing the legal user credit consumption information to generate credit consumption records in a unified format. The basis for judging the legitimacy of user credit consumption information is whether the credit consumption invoice signature is legal and whether the user's identity information is legal, to avoid There are credit platform frauds, etc.;

[0055] Write credit consumption records in a unified format into the blockchain, and update user credit scores based on the credit consumption records in a unified format, write credit consumption records in a unified ...

Embodiment 2

[0059] On the basis of Embodiment 1, this implementation also includes judging the legitimacy of the node and providing a unique identity for the legal node before the node obtains the user's credit consumption information. The basis for judging the legitimacy of the node includes whether the node has credit qualifications; The platform of the block is legal by default, but when the Xinshuo Credit Platform wants to access it, the system will judge its credit qualification. When the node is legal by default, there is no need to repeat the verification.

[0060] Embodiment two

[0061] On the basis of Embodiment 1, this implementation specifically describes how to update and calculate user credit scores:

[0062] User credit consumption information includes user identity information, user credit principal a, credit interest h, borrowed credit consumption time t, normal credit consumption repayment time T, credit consumption repayment time t1 and credit consumption invoice signatur...

Embodiment 3

[0064] On the basis of Embodiment 2, in this embodiment, updating user credit scores according to credit consumption records in a unified format includes:

[0065] Acquire the correction value u of the user's credit consumption according to the credit consumption record in a unified format;

[0066] Update the user's credit score w1 according to the correction value u of the user's credit consumption and the user's initial credit score w;

[0067] The formula for calculating the correction value u is:

[0068] (1) When t3>0, that is, when the user expires, the correction value u is calculated as follows:

[0069]

[0070] The calculation formula of the user credit score w1 is:

[0071] w1=w-u

[0072] Among them, K is the constant value corresponding to the user's accumulated overdue times g, and the range of s is 0 to 10;

[0073] (2) When t3<0, when the user has not expired, the calculation method of the correction value u is as follows:

[0074]

[0075] The calc...

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Abstract

The invention discloses a big data analysis method and system based on a consumption record, so as to solve the problem of incomplete user credit assessment caused by the lack of full access to the user original credit consumption records in the prior art. The method comprises steps: a node acquires user credit consumption information; the legality of the user credit consumption information is judged, and the legal user credit consumption information is analyzed to generate a credit consumption record with a unified format; the credit consumption record with a unified format is written to a block chain, and a user credit score is updated according to the credit consumption record with the unified format; and when the node initiates an access request, the node acquires the user credit score. The method and the system are applied to related fields of big data analysis.

Description

technical field [0001] The invention relates to the field of big data analysis, in particular to a consumption record-based big data analysis method and system. Background technique [0002] Usually people's consumption records include daily consumption records and credit consumption records. With more and more lending platforms, people can carry out credit consumption according to different lending platforms, but because some credit platforms are not included in credit records, some users' consumption on certain credit platforms is not recorded in the credit system, resulting in The credit evaluation of users is not comprehensive enough, which in turn causes some users to abuse loans and other problems, resulting in losses to the lending platform. At the same time, some existing credit platforms have not been recorded in the credit system, because some credit platforms may have malicious usury, and it is difficult for users to judge the legitimacy of credit platforms in th...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 史玉成
Owner 史玉成
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