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A credit calculation method and platform based on Guoman business

A computing method and computing platform technology, applied in the field of communication, can solve problems such as data record fraud and narrow credit data scope, and achieve the effect of expanding the scope, comprehensive credit evaluation, and reliable personal credit evaluation

Active Publication Date: 2021-07-27
CHINA UNITED NETWORK COMM GRP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The present invention aims to solve at least one of the technical problems existing in the prior art, and proposes a credit investigation calculation method and platform based on Guoman business to solve the problem of calculating credit information based on consumption historical transaction records in the prior art. The scope of credit data is too narrow and data records are easy to falsify

Method used

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  • A credit calculation method and platform based on Guoman business
  • A credit calculation method and platform based on Guoman business
  • A credit calculation method and platform based on Guoman business

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0040] figure 1 It is a flow chart of a credit calculation method based on the Guoman business provided by Embodiment 1 of the present invention. like figure 1 As shown, the credit calculation method based on Guoman business includes:

[0041] Step 101, counting the times of international roaming of the user within a fixed time period.

[0042] Step 102, count the number of called calls, the number of times the user hangs up, and the number of times the user connects when the user is roaming abroad within the fixed time period, and generate the user's rejection rate and The connection rate is generated according to the number of times the user is connected and the number of times the call occurs.

[0043] Step 103, counting the number of calling occurrences when the user is roaming abroad within the fixed time period.

[0044] Step 104: Generate the user's credit evaluation score based on the number of times of international roaming, rejection rate, connection rate, and nu...

Embodiment 2

[0047] figure 2 It is a flow chart of a credit calculation method based on the Guoman business provided by Embodiment 2 of the present invention. like figure 2 As shown, the credit calculation method based on Guoman business includes:

[0048] Step 201. Collect the location update information of the user's location update in the overseas network from the Guoman signaling gateway according to the user number. The location update information includes: location update occurrence time and signaling process data of the user's calling and calling.

[0049] Step 202, counting the times of international roaming of the user within a fixed time period.

[0050] The Guoman signaling gateway stores a series of location update occurrence times when the user's location update occurs on the overseas network, and the location update occurrence time records the user's movement trajectory outside the country. In this embodiment, the times of international roaming of the user within a fixed...

Embodiment 3

[0068] image 3 It is a schematic structural diagram of a credit investigation computing platform based on Guoman business provided by Embodiment 3 of the present invention. like image 3 As shown, the credit calculation platform based on Guoman business includes a first statistics module 11 , a second statistics module 12 , a first generation module 13 and a second generation module 14 .

[0069] Among them, the first statistical module 11 is used to count the number of times that the user roams internationally within a fixed period of time; the second statistical module 12 is used to count the number of calls that occur when the user is roaming outside the country within the fixed time period, and the number of times the user hangs up. The number of disconnections, the number of times the user connects, and the statistics of the number of calls that occur when the user is roaming outside the country within the fixed time period; the first generation module 13 is used to gen...

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Abstract

The invention provides a credit calculation method based on the Guoman business. The credit calculation method based on the national roaming service includes counting the number of times a user roams internationally within a fixed period of time, counting the rejection rate and connection rate of the user when roaming outside the country within the fixed period of time, and the number of calls , according to the number of times of international roaming, connection rate, rejection rate and number of calls occurring within the fixed time period, the user's credit evaluation score is calculated. Compared with the prior art, this application provides a new Personal credit calculation method, this method does not rely on the user's historical consumption record data, but evaluates the user's personal credit based on the user's call status when roaming abroad, thus expanding the scope of credit data, making The user's credit evaluation is more comprehensive; and, the problem of falsification of consumption history data that exists in the prior art when using the user's consumption history to calculate the user's credit is avoided, so that the calculated personal credit evaluation score is more accurate. reliable.

Description

technical field [0001] The invention relates to the field of communication technology, in particular to a credit investigation calculation method and platform based on Guoman business. Background technique [0002] At present, the development of Internet finance is very rapid and has become a new commanding height in the financial field. Compared with it, the current credit construction lags behind obviously. The development of Internet finance has put forward new requirements for the construction of personal credit in my country, and it is imminent to strengthen the construction of personal credit. In the Internet age, various cutting-edge Internet technologies emerge in endlessly. Some emerging Internet companies have broken through traditional thinking and followed the trend of the times, applying big data and cloud computing technology to the field of personal credit investigation, realizing Internet big data credit investigation. [0003] In the current general credit...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): H04W8/02H04W24/08H04W60/00G06Q10/06
CPCG06Q10/0639H04W8/02H04W24/08H04W60/00
Inventor 李希金双程张伦泳
Owner CHINA UNITED NETWORK COMM GRP CO LTD