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Combined-feature extraction method and device of internet-of-vehicle big-data risk control and storage medium

A technology of combining features and extraction methods, applied in the field of big data risk control, can solve problems such as the inability to explain from the perspective of initial features, and achieve the effect of improving complexity

Inactive Publication Date: 2018-09-07
SHENZHEN AUTONET CO LTD
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AI Technical Summary

Problems solved by technology

[0005] The main purpose of the present invention is to provide a method, device and storage medium for extracting combined features of big data risk control in the Internet of Vehicles, aiming to solve the technical problem that cannot be explained from the perspective of initial features when measuring the relationship between multi-dimensional features

Method used

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  • Combined-feature extraction method and device of internet-of-vehicle big-data risk control and storage medium
  • Combined-feature extraction method and device of internet-of-vehicle big-data risk control and storage medium
  • Combined-feature extraction method and device of internet-of-vehicle big-data risk control and storage medium

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no. 1 example

[0071] refer to figure 2 , the first embodiment of the feature extraction method for big data risk control combination of Internet of Vehicles according to the present invention, the method for extracting features of risk control combination of big data for Internet of Vehicles includes:

[0072] Step S10, obtaining basic data of Internet of Vehicles users, and generating an initial feature set according to the basic data;

[0073] In this embodiment, the basic data comes from the Internet of Vehicles, wherein the basic data may include personal information data such as age, gender, region, brand of the vehicle and / or color of the vehicle, etc. of the Internet of Vehicles user, and the above basic data may also include location Driving data such as information, driving trajectory, driving time, permanent location and / or vehicle equipment installation. After or after the basic data is obtained, the above basic data is processed to generate an initial feature set.

[0074] Sp...

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Abstract

The invention discloses a combined-feature extraction method of internet-of-vehicle big-data risk control. The method comprises the steps of: obtaining basic data of an internet-of-vehicle user, and generating an initial feature set according to the basic data; calculating Cartesian products of the initial feature set and the same, and generating a second-order combined-feature set; and then extracting second-order combined-features, which are in the second-order combined-feature set and accord with a preset condition, to form a second-order candidate feature set, and calculating Cartesian products of the second-order candidate feature set and the initial feature set to generate a third-order combined-feature set; and further, outputting high-order combined-features, which accord with a preset order number, according to the above iteration process. The invention also discloses a combined-feature extraction device of internet-of-vehicle big-data risk control and a storage medium. The method constructs linear and nonlinear features through a method of obtaining the Cartesian products to improve accuracy of risk control results.

Description

technical field [0001] The present invention relates to the technical field of big data risk control, and in particular to a method, device and storage medium for extracting combined features of big data risk control in Internet of Vehicles. Background technique [0002] Financial risk control is one of the most prominent areas of big data technology application at present. With the help of big data financial risk control, it can accurately identify overdue users, evaluate users' overdue risks, and help companies and institutions evaluate user credit ratings before lending and monitor users in real time during lending Risk trend and post-loan prediction of user overdue risk, prevention and control of unknown risks in the entire financial lending process, and reduction of loan overdue rate. [0003] There are user image information and rich driving information in the Internet of Vehicles, which can collect basic data for user credit assessment, user risk assessment and risk p...

Claims

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Application Information

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IPC IPC(8): G06K9/62G06Q40/02
CPCG06Q40/03G06F18/211
Inventor 潘洋游志强
Owner SHENZHEN AUTONET CO LTD
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