User credit prediction method and device, electronic device and storage medium
A prediction method and credit technology, applied in data processing applications, instruments, finance, etc., can solve the problems of long time for user credit evaluation methods, achieve the effect of shortening the process of credit evaluation, improving efficiency, and refining the process of credit prediction
Pending Publication Date: 2019-05-21
BEIJING SANKUAI ONLINE TECH CO LTD
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[0005] The present disclosure provides a user credit prediction method, a user credit prediction device, an electronic device, and a computer-readable storage medium, thereby at least to a certain extent overcoming the problem that the existing user credit evaluation method takes too long
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[0033] Example embodiments will now be described more fully with reference to the accompanying drawings. However, the example embodiments can be implemented in various forms, and should not be construed as being limited to the examples set forth herein; on the contrary, the provision of these embodiments makes the present disclosure more comprehensive and complete, and fully conveys the concept of the example embodiments To those skilled in the art. The described features, structures or characteristics can be combined in one or more embodiments in any suitable way.
[0034] The exemplary embodiment of the present disclosure first provides a user credit prediction method, which can be applied to the following scenarios: the terminal user registers an account (such as opening a bank account, opening a stock account, etc.) or performing sensitive operations (such as large payments, applying for loans) , Change the mobile phone number binding, etc.), it is necessary to complete the ...
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The invention provides a user credit prediction method and device, an electronic device and a computer readable storage medium, and belongs to the technical field of artificial intelligence. The method comprises the steps of obtaining original feature data of a target user, wherein the original feature data comprises at least one of face feature data, expression feature data and action feature data; Converting the original feature data of the target user into a target feature vector; Processing the target feature vector by using credit prediction models of a plurality of credit intervals to obtain initial predicted values of the target user in the plurality of credit intervals; And determining a final predicted value of the target user based on each initial predicted value. According to the method and the device, the credit of the user can be quickly predicted without depending on external credit data, the efficiency is improved, and the prediction result is relatively high in accuracy.
Description
Technical field [0001] The present disclosure relates to the field of artificial intelligence technology, and in particular to a user credit prediction method, user credit prediction device, electronic equipment, and computer-readable storage media. Background technique [0002] With the development of computer technology, the Internet has also been widely used in the financial field. Among them, there are more and more users participating in Internet financial consumption, financial leasing, and accepting 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 user credit evaluation methods. [0003] Existing user credit evaluation methods usually require users to submit a series of external data, such as PBOC credit data, third-party credit data, asset certification, etc., to evaluate the user's credit status through external data. It can be seen that this me...
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IPC IPC(8): G06Q10/06G06Q40/02G06K9/00
Inventor 周熠李一山程侠宽
Owner BEIJING SANKUAI ONLINE TECH CO LTD