Credit integral modeling method based on generalized payment data

Abstract

The invention discloses a credit integral modeling method based on generalized payment data, belonging to the computer information technology field, payment behavior data of a user in various aspectsare integrated and analyzed; local information dispersed everywhere is processed and fused into information with complete depth. The user payment behavior information is converted into a credit ratingbasis; a behavior model of user cashing capability is developed, statistics, induction and summarization are carried out on relevant income and expense consumption data of a user through a collectionlayer of the behavior model, data check, data cleaning and data exchange are carried out on a risk control layer of the behavior model, and finally the data are displayed in a form of a total amountof sigma payment points. According to the invention, dispersed local information is processed and fused into complete depth information, user payment behavior information is converted into a credit rating basis, a behavior model of user cashing capability is developed, the deficiency of personal credit information of a central bank is made up, and the problem of information asymmetry in business and social processes is solved.

Description

technical field [0001] The invention relates to a credit score modeling method, in particular to a credit score modeling method based on generalized payment data, and belongs to the field of computer information technology. Background technique [0002] How to comprehensively and accurately assess personal credit risk status is a pain point in the process of financial business operations. In the process of personal credit risk assessment, financial institutions cannot obtain information from other financial institutions due to the existence of information islands, so they rely too much on the central bank's personal assessment. However, the coverage of the system is insufficient, and the data records are mainly negative lists. There is a lack of sources of income and consumption data of users in other institutions, and there are shortcomings in the comprehensiveness and hierarchy of data. Contents of the invention [0003] The main purpose of the present invention is to pr...

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Problems solved by technology

[0002] How to comprehensively and accurately assess personal credit risk status is a pain point in the process of financial business operations. In the process of personal credit risk assessment, financial institutions cannot obtain information from other financial institutions due to the existence of information islands, so they rely too much on the central bank's personal assessment. information system, but the coverage of the system is insufficient, and the data records are mainly negative lists, lacking the sources of income and consumption data of users in other institutions, and there are shortcomings in the comprehensiveness and hierarchy of data

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