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Credit score determination system and method, terminal and server

A server and credit technology, applied in instruments, data processing applications, finance, etc., can solve problems such as large amount of calculation, and achieve the effect of ensuring user privacy, reducing the amount of calculation, and reducing the pressure on data storage

Active Publication Date: 2019-05-14
TENCENT TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The embodiment of the present invention provides a credit score determination system, method, terminal and server, which can solve the problem of large amount of calculation when the server calculates the credit score of the target account

Method used

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  • Credit score determination system and method, terminal and server
  • Credit score determination system and method, terminal and server
  • Credit score determination system and method, terminal and server

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Embodiment Construction

[0055] In order to make the object, technical solution and advantages of the present invention clearer, the implementation manner of the present invention will be further described in detail below in conjunction with the accompanying drawings.

[0056] First, several nouns involved in the embodiments of the present invention are introduced.

[0057] Credit score: refers to the score obtained by quantifying the credit of the target account using a computer model. Optionally, the computer model includes but not limited to: deep neural network (Deep Neural Network, DNN) model, recurrent neural network (Recurrent Neural Networks, RNN) model, embedding (embedding) model, gradient boosting decision tree (Gradient Boosting Decision Tree , GBDT) model, logistic regression (Logistic Regression, LR) model at least one.

[0058] The DNN model is a deep learning framework. The DNN model includes an input layer, at least one hidden layer (or middle layer) and an output layer. Optionally...

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Abstract

The invention discloses a credit score determination system and method, a terminal and a server, and belongs to the field of credit scores. The system comprises a client and a server. The client is used for acquiring basic data of the target account on the client, calculating to obtain home terminal credit data of the target account according to the basic data, and sending the home terminal creditdata of the target account to the server. The server is used for receiving the local-end credit data of the target account, calculating the credit score of the target account according to the local credit data and other data of the target account. According to the invention, the problem of large calculation amount of the server can be solved. After the client receives a part of the calculated amount, the calculated amount of the server is reduced.

Description

technical field [0001] The embodiments of the present invention relate to the technical field of credit scoring, and in particular to a credit score determination system, method, terminal and server. Background technique [0002] The credit scoring method is a credit risk analysis method used to quantify the credit or default probability of a credit account. For example: through data analysis technology and machine learning algorithms, based on the information formed by users on public platforms such as social media, Weibo, and e-commerce, the credit limit of a credit card used by a user is evaluated. [0003] In a typical credit score determination method, the server obtains user data collected by the client, and inputs the user data into a preset credit score determination model to determine the credit score of the target account in the client. [0004] However, as the number of clients accessing the server increases, and / or the amount of user data collected by each clien...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
Inventor 刘志斌郑博刘日佳
Owner TENCENT TECH (SHENZHEN) CO LTD
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