Model updating method and device

A model update and model technology, which is applied in the computer field, can solve the problems that the model cannot adapt to the continuous change of data, the accuracy and applicability of the model are low, and achieve the effects of saving training time, improving accuracy and applicability, and improving efficiency

Active Publication Date: 2019-12-24
BEIJING MININGLAMP SOFTWARE SYST CO LTD
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  • Application Information

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Problems solved by technology

[0003] However, the conventional method of training the model is to use the historical data set as a sample to train the model, and the obtained model cannot adapt to the continuous change of the data, so the accuracy and applicability of the model are low

Method used

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  • Model updating method and device
  • Model updating method and device

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Embodiment Construction

[0031] The technical solutions in the embodiments of the present application will be described below with reference to the drawings in the embodiments of the present application.

[0032] In the financial field, similar to application scenarios such as bank lending, for example, if a customer currently wants to apply for a loan service, the credit evaluation model established by machine learning can be used to directly evaluate the customer's credit value and evaluate whether it is possible to lend to the customer. The model update method provided in the embodiment of the present application can be applied to update the credit evaluation model.

[0033] figure 1 The flow chart of the method for updating the model provided by the embodiment of this application, such as figure 1 As shown, the method includes:

[0034] Step 101: When new repayment data is obtained, a training sample set to be updated and a model trained according to the training sample set are obtained. The tr...

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Abstract

The invention provides a model updating method and device. The model updating method comprises the steps of when the new repayment data is acquired, obtaining a training sample set to be updated and amodel obtained through training according to the training sample set, wherein the training sample set comprises the repayment information of a plurality of clients and a client evaluation value of each client; updating the training sample set according to the repayment data to obtain an updated training sample set; and training the model based on the updated training sample set to obtain an updated model. The model updating method improves the accuracy and applicability of the model.

Description

technical field [0001] The present application relates to the field of computers, in particular, to a method and device for updating models. Background technique [0002] With the development of financial technology, more and more financial institutions have introduced machine learning methods to establish credit scoring models to gradually replace manual approval methods, in order to achieve the purpose of reducing labor costs, improving work efficiency, and eliminating artificial instability. [0003] However, the conventional method of training the model is to use the historical data set as a sample to train the model, and the obtained model cannot adapt to the continuous change of the data, so the accuracy and applicability of the model are low. Contents of the invention [0004] The purpose of the embodiments of the present application is to provide a method and device for updating a model, so as to improve the accuracy and applicability of the model. [0005] In the...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06N20/00
CPCG06N20/00G06Q40/03
Inventor 张杰吴信东
Owner BEIJING MININGLAMP SOFTWARE SYST CO LTD
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