User credit risk assessment method and device and storage medium

A risk assessment, user technology, applied in the field of big data, can solve problems such as strong external data dependence

Pending Publication Date: 2019-04-26
BEIJING SANKUAI ONLINE TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The present disclosure provides a user credit risk assessment method, a user credit risk assessment device, and a computer-readable storage medium, thereby overcoming the problem that existing user credit risk assessment methods rely heavily on external data at least to a certain extent

Method used

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  • User credit risk assessment method and device and storage medium
  • User credit risk assessment method and device and storage medium
  • User credit risk assessment method and device and storage medium

Examples

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Embodiment Construction

[0026] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete and will fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments.

[0027] Exemplary embodiments of the present disclosure firstly provide a user credit risk assessment method. figure 1 A schematic diagram of the system architecture of the operating environment of this exemplary embodiment is shown. refer to figure 1 , the system 110 may include a user terminal 111 and a server 112 . Wherein the user terminal 111 can be a mobile phone, a tablet computer, a computer, etc., and App is installed on the user term...

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Abstract

The invention provides a user credit risk assessment method and device and a computer readable storage medium, and belongs to the technical field of big data. The method comprises the steps of obtaining a target terminal associated with a to-be-evaluated user and App installation information of the target terminal; Obtaining an App score list, wherein the App score list comprises scores of a plurality of Apps; Determining an App total score of the target terminal according to the App installation information of the target terminal based on the scores of the plurality of Apps; And obtaining a credit risk assessment result of the to-be-assessed user according to the App total score of the target terminal. According to the invention, dependence of the user credit risk assessment method on external data can be reduced, the accuracy of the assessment result is improved, and the risk is reduced.

Description

technical field [0001] The present disclosure relates to the technical field of big data, and in particular to a user credit risk assessment method, a user credit risk assessment device, and a computer-readable storage medium. Background technique [0002] With the development of computer technology, the Internet has been more and more widely used in the financial field. Among them, more and more users are participating in Internet financial consumption, financial leasing, receiving credit card services or other financial services. In order to protect the interests of financial service companies and reduce financial risks, it is necessary to adopt effective credit risk assessment methods. [0003] It should be noted that the information disclosed in the above background section is only for enhancing the understanding of the background of the present disclosure, and therefore may include information that does not constitute the prior art known to those of ordinary skill in th...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 陈鹏程陈金辉马莹
Owner BEIJING SANKUAI ONLINE TECH CO LTD
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