Credit scoring method and device for personal user, terminal and storage medium

A credit scoring and user technology, applied in the field of data processing, can solve problems such as insufficient objectivity and adequacy, and a high probability of error.

Pending Publication Date: 2020-01-24
北京镭文科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

[0004] However, the existing credit score is usually only evaluated based on some information filled in by the user. The result of one evaluation is not objective and sufficient, and the probability of error is relatively high.

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  • Credit scoring method and device for personal user, terminal and storage medium
  • Credit scoring method and device for personal user, terminal and storage medium
  • Credit scoring method and device for personal user, terminal and storage medium

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Embodiment Construction

[0026] The specific embodiments of the present invention will be further described below in conjunction with the accompanying drawings. It should be noted here that the descriptions of these embodiments are used to help understand the present invention, but are not intended to limit the present invention. In addition, the technical features involved in the various embodiments of the present invention described below may be combined with each other as long as they do not constitute a conflict with each other.

[0027] Among them, in the description of the embodiments of this application, unless otherwise specified, " / " means or means, for example, A / B can mean A or B; "and / or" in this article is only a description of associated objects The association relationship of indicates that there may be three kinds of relationships, for example, A and / or B may indicate: A exists alone, A and B exist simultaneously, and B exists independently. In addition, in the description of the embo...

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Abstract

The invention discloses a credit scoring method and device for a personal user, a terminal and a storage medium. The credit scoring method comprises the steps: collecting user data which comprises atleast one of operator data, e-commerce data, credit card bill data and social insurance accumulation fund data; processing the user data through a feature engineering technology to generate an effective feature vector set; training the effective feature vector set through an LR and GBDT combined model, and determining weight values of features; and determining a credit score value based on the weight value. According to the credit scoring method and device for the personal user, the terminal and the storage medium provided by the invention, objectification and accuracy of user credit scoring are realized.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a credit scoring method, device, terminal and storage medium for individual users. Background technique [0002] The credit score of individual users is the guarantee and foundation of credit consumption in modern society. It can be widely used in financial services such as personal credit, credit card, and insurance claims, and provides quantitative support for the formulation, analysis, evaluation, and optimization of credit policies. [0003] The credit score of an individual user can be obtained by quantitatively calculating the credit score of the individual user's information, which can be used to quantitatively evaluate the credit risk of the individual user. [0004] However, the existing credit score is usually only evaluated based on some information filled in by the user. The result of one evaluation is not objective and sufficient, and the probability of error...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06K9/62G06Q40/02G06Q40/08
CPCG06Q40/08G06Q40/03G06F18/10G06F18/241G06F18/214
Inventor 于文
Owner 北京镭文科技有限公司
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