Unlock instant, AI-driven research and patent intelligence for your innovation.

Monte Carlo simulation-based consumption prediction method and system

A technology of Monte Carlo simulation and consumption amount, which is applied in instruments, complex mathematical operations, finance, etc., can solve the problems of not considering the influence of random factors and low accuracy of consumption prediction, and achieve the effect of improving accuracy

Active Publication Date: 2018-09-21
秒钱(北京)信息服务有限公司
View PDF4 Cites 2 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The existing consumption forecasting methods do not consider the influence of random factors, and the accuracy of consumption forecasting is low

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Monte Carlo simulation-based consumption prediction method and system
  • Monte Carlo simulation-based consumption prediction method and system
  • Monte Carlo simulation-based consumption prediction method and system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0055] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0056] see figure 1 , the present embodiment discloses a consumption prediction method based on Monte Carlo simulation, which specifically includes the following steps:

[0057] S101: Obtain the consumption data of the target applicant within a preset time period;

[0058] The consumption data of the target applicant within the preset time period includes: the number of transactions of the target applicant within each preset amount range within the preset tim...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention provides a Monte Carlo simulation-based consumption prediction method and system. The method comprises the following steps of: obtaining consumption data of a target applicant in a preset time period; and determining a target probability density function and a target regression equation corresponding to the consumption data, inputting the target probability density function and the target regression equation into a Monte Carlo model, generating a preset quantity of random numbers according to the target probability density function, and carrying out a preset quantity of Monte Carlo simulation according to preset quantity of random numbers, a fitted consumption amount of the target applicant in a target month and a first preset coefficient so as to obtain a consumption amountof the target applicant in the target month. According to the method and system, influences, on consumption prediction, of random factors are considered, so that the consumption prediction correctnessis improved.

Description

technical field [0001] The present invention relates to the technical field of consumption forecasting, and more specifically, to a consumption forecasting method and system based on Monte Carlo simulation. Background technique [0002] The most important goal in risk control techniques is to predict the future income of credit applicants. However, as personal privacy, financial information is rarely obtained directly, and few credit applicants will truthfully provide all their income information. Therefore, the credit applicant's income is generally inferred based on the credit applicant's consumption data. [0003] Generally speaking, daily consumption includes two parts: the basic (required) part and the random (non-essential) part. However, there are many random factors even in the basic (necessary) part. For example, lunch is the basic (necessary) part of daily consumption, but whether a lunch is consumed for 20 yuan or 30 yuan contains random factors. [0004] The e...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F17/18
CPCG06F17/18G06Q40/03
Inventor 宋萌刘翰林胡剑东
Owner 秒钱(北京)信息服务有限公司