Real-time credit score adjustment processing method and device and processing server

Abstract

Embodiments of the invention provide a real-time credit score adjustment processing method and device and a processing server. The method comprises the following steps of: obtaining behavior information of a user; determining a behavior type corresponding to the behavior information; obtaining a current credit score of the user; determining a probability distribution of a credit adjustment score corresponding to the behavior type and the current credit score according to probability distributions of credit adjustment scores corresponding to currently recorded behavior types and standard scores, wherein the probability distributions comprise corresponding probabilities of adjusting the current credit score to the credit adjustment scores; and determining an adjusted credit score according to the corresponding probabilities of adjusting the current credit score to the credit adjustment scores in the probability distribution. According to the method, credit scores of users can be adjustedin real time, so that the credit score adjustment timeliness is enhanced and the correctness of subsequent credit score-based applications can be enhanced.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a method, device and processing server for real-time adjustment of credit score. Background technique [0002] Credit investigation is a manifestation of the user's credit degree. Specifically, the form of credit information score can be used to express the user's credit degree. Credit information is widely used in credit, sharing economy, user evaluation, information recommendation and other fields. With the continuous development of technology With the development, its application fields are constantly expanding, so how to optimize the information processing method about credit investigation has always been the research focus of those skilled in the art. [0003] Among them, the more basic way of processing information about credit is the adjustment of user credit score. The adjustment of credit score is generally to adjust the user credit score of the last evaluation t...

AI Technical Summary

Problems solved by technology

[0004] However, the inventors of the present invention found that the existing credit score adjustment is generally implemented by the network server on a regular basis. This method of regularly adjusting the credit score has a problem of poor timeliness; the resulting consequences are, for example: credit When the department uses the user credit score to determine the user's credit amount, it can only use the user credit score determined in the previous period. Periodic user credit score, the determined user credit amount has deviations

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