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Auto finance risk control method supporting multiple data sources

A multi-data source, automotive technology, used in finance, data processing applications, resources, etc.

Active Publication Date: 2021-07-06
厦门铅笔头信息科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In the field of auto finance risk control, order data is very precious. It can be said that the decisive role in the accuracy of the risk control model is the quantity and quality of the data (orders) input into the risk control model, not the algorithm, so try to merge Data from different companies It is crucial to increase the amount of data, which cannot be achieved by existing algorithms

Method used

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  • Auto finance risk control method supporting multiple data sources

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Embodiment Construction

[0036] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. 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.

[0037] see figure 1 , the present invention provides an auto finance risk control method supporting multiple data sources, the implementation steps of the auto finance risk control method supporting multiple data sources are as follows:

[0038] Step 1: Data classification; first, classify the auto finance risk control model into five dimensions, namely pre-loan data, loan data, anti-fraud data, background investigation data, and historical consumption repayme...

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Abstract

The invention discloses an auto finance risk control method supporting multiple data sources. The implementation steps of the auto finance risk control method supporting multiple data sources are as follows: data classification, model training, and data merging; the model training includes the following steps: Quantity Determination, weight determination, offset value setting, initial weight setting, Lw calculation, weight standardization and circulation, the data merging includes the following steps: common field merging, single-field model training, single-field merging and result model training, The auto finance risk control method that supports multiple data sources is designed reasonably, making it possible for a platform that can include order data from multiple auto finance leasing companies.

Description

technical field [0001] The invention is an auto finance risk control method supporting multiple data sources, and belongs to the technical field of auto finance risk control. Background technique [0002] The existing auto finance risk control model can only analyze the order data of one company. Different auto finance leasing companies use different order management systems or different business types, so their order data are different. Some of them are based on The fields are consistent, and many fields are similar but different from each other. For example, the pre-loan order application process may include customer application, incoming approval, guarantee approval, credit review, vehicle evaluation, approval and loan release, etc. Although the same order application process is described, it is likely to be completely different when displayed in the fields of the database. That is to say, the data of the order application process of the two companies cannot be directly m...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q10/06G06Q40/02
CPCG06Q10/0635G06Q40/03
Inventor 施铭铮刘占辉
Owner 厦门铅笔头信息科技有限公司