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Method and device for credit rating

A credit evaluation and evaluation technology, applied in the computer field, can solve the problems of small number and difficult to cover most users, and achieve the effect of improving accuracy

Active Publication Date: 2018-12-25
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the amount of this information is usually small, and the shopping platforms are also diverse, so it may not be possible for most users to obtain this information comprehensively, and it is difficult to cover most users

Method used

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  • Method and device for credit rating
  • Method and device for credit rating

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Embodiment Construction

[0023] The solutions provided in this specification will be described below in conjunction with the accompanying drawings.

[0024] figure 1 It is a schematic diagram of an implementation scenario of an embodiment disclosed in this specification. In this implementation scenario, multiple users may interact with the computing platform over a network. Users can perform operations such as adding friends, transferring money, sending red envelopes, etc. through the computing platform. The computing platform can establish a human relationship network through these operations between users to represent the association relationship between users. The human relationship network can be updated according to time periods, for example, once a day, or every time an operation between users is detected, which is not limited in this implementation scenario.

[0025] Such as figure 2 Said, is a concrete example of a network of human relations. In the human relationship network, circles (n...

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Abstract

Embodiments of that present specification provide a method and apparatus for credit rating. According to one embodiment of the method, at first, a first-level associate user having an association relationship with a user to be evaluated is determined based on an interpersonal network, then according to the text information in the association attribute of the user to be evaluated and the primary associated user, at least one first-level associate vocabulary of a user to be evaluated is obtained, at least one first-level associate vocabulary is used to generate a first-level associate feature, and then determine at least one secondary associate user of the users for rating, the at least one secondary associate user having an association with a primary associated user. And for each first-level associated user, according to their corresponding second-level associated users to generate the second-level associated features of the users to be evaluated, and then based on the first-level associated features and the second-level associated features, through the pre-trained credit evaluation model to evaluate the credit degree of the users to be evaluated, the embodiment can improve the accuracy of the credit rating.

Description

technical field [0001] One or more embodiments of this specification relate to the field of computer technology, and in particular, to a method and device for credit evaluation by computer. Background technique [0002] With the development of computer and Internet technology, more and more businesses are realized through computing platforms, such as commodity transactions, money payments, financial lending, insurance claims and so on. However, in the execution and processing of many businesses, if the credit status of the business requester is not evaluated, it is likely to bring greater risks. For example, some criminals may use electronic platforms to carry out financial fraud, cash out loans, etc. [0003] In the conventional technology, in order to prevent and reduce the above-mentioned risks, the user's credit is often evaluated through the user's identity information, asset information, shopping behavior and other information. However, the amount of such information ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/06G06Q40/02
CPCG06Q30/0609G06Q40/03
Inventor 王峰伟何慧梅
Owner ADVANCED NEW TECH CO LTD