A user credit evaluation method based on operator data

A technology for operators and credit scoring, applied in the field of big data business, it can solve the problems of lack of credit identification methods for customers and low reliability of credit evaluation results, so as to solve the problem of rating and expand the coverage of users.

Active Publication Date: 2022-03-04
CHINA MOBILE GROUP ZHEJIANG +1
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] In order to solve the existing technologies that rely too much on information such as user's previous consumption credit records, lack of effective credit judgment methods for customers with low data quality, and the existing operator user evaluation system is only based on user individual level information, credit evaluation results Low reliability and other issues, the present invention provides a method for user credit evaluation based on operator data

Method used

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  • A user credit evaluation method based on operator data
  • A user credit evaluation method based on operator data
  • A user credit evaluation method based on operator data

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Embodiment Construction

[0027] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are the Some, but not all, embodiments are invented. 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.

[0028] figure 1 It is a schematic flowchart of a method for user credit evaluation based on operator data provided by an embodiment of the present invention. Such as figure 1 As shown, the method includes the following steps:

[0029] S101. According to the call bill of the preset time period, determine the call relationship network of each user in the call bill duri...

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Abstract

An embodiment of the present invention provides a method and device for user credit evaluation based on operator data, the method comprising: determining the call relationship of each user in the call list in the preset time period according to the call list of the preset time period network; according to the call behavior relationship between users in the call relationship network, the call relationship network is divided into n communities C n ; According to Community C n The fair credit score of internal seed users, determine the community C n The basic credit scores of the rest of the users, wherein the seed users are users with fair credit scores in the credit bureau; according to the community C n The caller-caller relationship between users in the community, determine the community C n The importance level of each user within; according to the basic credit score and the importance level, determine the community C n The individual credit score of each user in . The embodiments of the present invention can effectively solve the problem of banks and financial institutions rating new customers and expand the coverage of credit scoring products to users.

Description

technical field [0001] The embodiment of the present invention relates to the technical field of big data services, in particular to a method and device for user credit evaluation based on operator data. Background technique [0002] With the vigorous development of the capital market, the management and control of credit has become one of the important tasks of the internal management of modern enterprises. As a fundamental social relationship, credit has become another way of resource allocation besides the market. At present, the application of credit evaluation by operators is mainly focused on internal business, and there are few attempts in external application scenarios. The internal application is usually to conduct risk analysis and assessment of "default" behaviors such as customer arrears and bad debts, so as to realize reasonable customization of customer services and improve profitability. [0003] The current technical solutions for operators' internal busines...

Claims

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Application Information

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Patent Type & AuthorityPatents(China)
IPC IPC(8): H04L41/5061G06Q30/06G06Q50/30
CPCH04L41/5064G06Q30/0609G06Q50/40
Inventor汤潇巍傅一平
OwnerCHINA MOBILE GROUP ZHEJIANG