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Characteristic combination method and device, terminal equipment and storage medium

A technology of feature combination and combination method, applied in the field of financial services, can solve the problems of low accuracy of analysis results, non-linear relationship of features that cannot be accurately reflected in policy data analysis, etc., to achieve the effect of improving accuracy

Active Publication Date: 2018-11-02
CHINA PING AN LIFE INSURANCE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] Embodiments of the present invention provide a feature combination method, device, terminal equipment, and storage medium to solve the problem that the linear feature coding model used in the prior art to analyze insurance policy data cannot accurately reflect the nonlinear relationship of features, resulting in low accuracy of analysis results. The problem

Method used

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  • Characteristic combination method and device, terminal equipment and storage medium
  • Characteristic combination method and device, terminal equipment and storage medium
  • Characteristic combination method and device, terminal equipment and storage medium

Examples

Experimental program
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Embodiment 1

[0025] see figure 1 , figure 1 The implementation flow of the feature combination method provided by the embodiment of the present invention is shown. The feature combination method is applied in the financial service system to realize the data preparation before building the insurance policy data mining model. The details are as follows:

[0026] S1: Acquire the n basic features to be combined and the value range of each basic feature, where the basic feature is the attribute feature in the policy data, and n is a positive integer greater than 1.

[0027] Specifically, read the basic features to be combined from the configuration file according to the preset configuration information as the basic features to be combined, and filter out all the different feature values ​​according to the basic features, and finally get each basic feature and each The feature values ​​corresponding to each basic feature, wherein the preset configuration information is the information of the ...

Embodiment 2

[0083] Corresponding to the feature combination method in embodiment 1, Figure 4 The feature combination device corresponding to the feature combination method provided in Embodiment 1 is shown, and for the convenience of description, only the part related to the embodiment of the present invention is shown.

[0084] Such as Figure 4 As shown, the feature combination device includes: an acquisition module 41 , an encoding module 42 , a combination module 43 and a determination module 44 . The detailed description of each functional module is as follows:

[0085] The obtaining module 41 is used to obtain the n basic features to be combined and the value range of each basic feature, wherein the basic feature is an attribute feature in the policy data, and n is a positive integer greater than 1;

[0086] The coding module 42 is used to encode the feature value of the basic feature according to the value range of the basic feature according to the value range of the basic feat...

Embodiment 3

[0106] This embodiment provides a computer-readable storage medium, and a computer program is stored on the computer-readable storage medium, and when the computer program is executed by the processor, the feature combination method in Embodiment 1 is realized, or, when the computer program is executed by the processor Realize the functions of each module / unit in the feature combination device in Embodiment 2. To avoid repetition, details are not repeated here.

[0107] It can be understood that the computer-readable storage medium may include: any entity or device capable of carrying the computer program code, recording medium, U disk, mobile hard disk, magnetic disk, optical disk, computer memory, read-only memory (Read- Only Memory, ROM), random access memory (Random Access Memory, RAM), electric carrier signal and telecommunication signal, etc.

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Abstract

The invention relates to the technical field of financial services, and provides a characteristic combination method. The method comprises the following steps of acquiring n basic characteristics to be combined and a value range of each basic characteristic; for each basic characteristic, coding a characteristic value of the basic characteristic according to the value range of the basic characteristic and a one-hot coding mode in order to obtain a basic digital code; traversing the basic digital code of each basic characteristic, and respectively selecting one basic digital code from each basic characteristic to carry out cross combination calculation in order to obtain a combined digital code corresponding to each combination mode of the characteristic values of the n basic characteristics; and determining a combined characteristic value of policy data according to each combination mode and the corresponding combined digital code. According to the technical scheme, the combined characteristic value of the policy data can be obtained rapidly and accurately, the expression of the non-linear characteristics of the policy data is realized, and the accuracy of carrying out policy dataanalysis and prediction by using a characteristic coding model is improved.

Description

technical field [0001] The present invention relates to the technical field of financial services, in particular to a feature combination method, device, terminal equipment and storage medium. Background technique [0002] At present, when analyzing insurance policy data, the feature coding model constructed is usually a linear model, which lacks an accurate description of the nonlinear relationship. The values ​​of the two variables are multiplied to form a new combination variable, which is fitted in the model, but simply multiplying the values ​​of the two variables cannot accurately reflect the nonlinear relationship of the combination characteristics, which affects the accuracy of the model. Contents of the invention [0003] Embodiments of the present invention provide a feature combination method, device, terminal equipment, and storage medium to solve the problem that the linear feature coding model used in the prior art to analyze insurance policy data cannot accu...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/02
Inventor 黄严汉曾凡刚
Owner CHINA PING AN LIFE INSURANCE CO LTD