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User credit score calculation method and system

A calculation method and credit technology, applied in the field of data analysis, can solve problems such as increased risk of user default, difficulty in truly reflecting the credit status of users in credit scores, and incomplete data collection dimensions, etc., to achieve the effect of reducing risks

Pending Publication Date: 2019-04-16
北京首汽智行科技有限公司
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AI Technical Summary

Problems solved by technology

[0005] (1) The data collection dimension is not complete enough, and the credit score cannot truly reflect the user's credit status;
[0006] (2) Due to the existence of "swiping credit points", the risk of user default increases

Method used

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  • User credit score calculation method and system
  • User credit score calculation method and system
  • User credit score calculation method and system

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Embodiment Construction

[0032] The present invention will be specifically introduced below in conjunction with the accompanying drawings and specific embodiments.

[0033] like figure 1 As shown, the user credit calculation method provided by the embodiment of the present invention includes the following steps:

[0034] S101. Obtain index data of various dimensions from user behavior data by using a classification algorithm model.

[0035] S102. Using the work-stealing algorithm, calculate the plus / minus points and standard deviation of the index data, wherein the formula for calculating the plus points is: The formula for calculating the deduction value is x is index data, max is the maximum value of all user index data with the same dimension as the index data, and min is the minimum value of all user index data with the same dimension as the index data.

[0036] S103. Use the Z-Score standardization algorithm to eliminate index data that is greater than the set multiple of the standard deviat...

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Abstract

The invention discloses a user credit score calculation method and system, and relates to the technical field of data analysis, and the method comprises the steps: obtaining the index data of each dimension from user behavior data through employing a classification algorithm model, calculating the addition / deduction score and standard deviation of the index data through employing a work stealing algorithm, and employing Z-Score standardization algorithm, removing the index data greater than a standard deviation set multiple; normalization algorithm, mapping the index data into index data between 0 and 1 index data, the above steps are repeated to obtain the credit score of the index data of each dimension, and the sum of the credit scores of the index data of each dimension is calculated to obtain the credit score of the user, so that the authenticity of the credit score is improved, and the risk that the user violates the contract is reduced.

Description

technical field [0001] The invention relates to the technical field of data analysis, and specifically relates to a method and system for calculating user credit scores. Background technique [0002] The statistics of credit points for user behavior is an important indicator for enterprises to assess users and ensure the healthy and sustainable development of enterprises. Take GoFun, a car sharing company of Shouqi, as an example. User credit scores are based on the user’s car-using behavior data, encouraging good driving behavior and car-using habits of users, so as to carry out healthy credit scores for users, and use credit scores to restrict users’ bad habits. Behavior to ensure the safety of other users. [0003] At present, there is no unified data source and calculation method in the domestic credit system, and most platforms use their own data for rough evaluation. Taking the FICO credit scoring system and the Zhima Credit Evaluation System as examples, the main fa...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q30/06
CPCG06Q10/06393G06Q30/0609
Inventor 崔奇华李雨涵
Owner 北京首汽智行科技有限公司
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