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Natural person credit algorithm based on network social contact

A network social and natural technology, applied in the field of natural person credit algorithm, can solve problems such as inconvenience, insufficient generalization, and insufficient use, and achieve the effect of avoiding potential losses

Inactive Publication Date: 2019-05-31
珠海金慧科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] Aiming at the deficiencies of the existing technology, the present invention provides a natural person credit algorithm based on social network, which has the advantages of wide application range and accurate credit scoring, etc., and solves the problem that the credit score system has many uses in the current life, but it is only for the transaction process. For risk and credit assessment, the generalization is not comprehensive enough, and it is not widely used. There is no set of generalization and integration algorithms for this, which brings a lot of inconvenience to users

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0027] The natural person credit algorithm based on social networking is characterized in that it includes transaction credit scoring, loan credit scoring and contract-keeping credit scoring systems, and the algorithm includes the following steps:

[0028] 1) Evaluate and count the transaction credit score, loan credit score and compliance credit score respectively, and then integrate and count the three different scores to obtain a personal credit score, and list the details at the bottom of the personal credit score, and The deficiencies in use and areas to be improved are marked in red to attract users' attention.

[0029] 2) Obtain the user's order information, and then record the process from the user's confirmation of the order to the order payment as five minutes through the time timer, and set the optimal payment time as ten minutes, and record the number of times the user confirms the order as 80 , the number of canceled orders is 8, and the transaction credit score i...

Embodiment 2

[0034]The natural person credit algorithm based on social networking is characterized in that it includes transaction credit scoring, loan credit scoring and contract-keeping credit scoring systems, and the algorithm includes the following steps:

[0035] 1) Evaluate and count the transaction credit score, loan credit score and compliance credit score respectively, and then integrate and count the three different scores to obtain a personal credit score, and list the details at the bottom of the personal credit score, and The deficiencies in use and areas to be improved are marked in red to attract users' attention.

[0036] 2) Obtain the user's order information, and then record the process from the user's confirmation of the order to the order payment as five minutes through the time timer, and set the optimal payment time as ten minutes, and record the number of times the user confirms the order as 94 , the number of canceled orders is 14, and the transaction credit score i...

Embodiment 3

[0041] The natural person credit algorithm based on social networking is characterized in that it includes transaction credit scoring, loan credit scoring and contract-keeping credit scoring systems, and the algorithm includes the following steps:

[0042] 1) Evaluate and count the transaction credit score, loan credit score and compliance credit score respectively, and then integrate and count the three different scores to obtain a personal credit score, and list the details at the bottom of the personal credit score, and The deficiencies in use and areas to be improved are marked in red to attract users' attention.

[0043] 2) Obtain the user's order information, and then record the process from the user's confirmation of the order to the order payment as five minutes through the time timer, and set the optimal payment time as ten minutes, and record the number of times the user confirms the order as 44 , the number of canceled orders is 4, and the transaction credit score i...

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Abstract

The invention relates to the technical field of credit algorithms, and discloses a natural person credit algorithm based on network social contact, which comprises a transaction credit score, a borrowing credit score and a conservation credit score system. The invention discloses a natural person credit algorithm based on network social contact. The method comprises the steps 1)-5). the daily credit habit of the user can be accurately obtained; and performing analysis and processing, Obtaining an approximate value, the credit degree of the user can be mapped through the approximate value; thecredit habit of the user can be effectively reflected by the approximate value; The invention discloses a method and a device for calling and interviewing enterprise persons. Through the approximate value, part of crowds with insufficient integrity and high possibility of losing trust can be effectively avoided and excluded, potential loss is avoided, and if the approximate value is high, the credit of the user can be guaranteed, so that a lot of convenient preferences, such as deposit-free and partial priority advantages, can be obtained in life.

Description

technical field [0001] The invention relates to the technical field of credit algorithms, in particular to a natural person credit algorithm based on network social interaction. Background technique [0002] The so-called credit refers to a mutual trust production relationship and social relationship formed between people, units and commodity transactions. Consumers are even willing to pay more money to continue this relationship. Those who do not believe in their words will fail to do what they say, and they will not believe what they are doing. Credit means the trust obtained by being able to fulfill their promises. Credit It is the trust and integrity accumulated over a long period of time. Credit is hard to get and easy to lose. The credit accumulated over ten years is often lost due to one-time words and deeds. It still refers to our past positive record of fulfilling promises. It is still a kind of Performance art is a behavior management model that everyone can try a...

Claims

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Application Information

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IPC IPC(8): G06Q30/06G06Q40/02
Inventor 赵国平
Owner 珠海金慧科技有限公司
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