Method and device for screening users and electronic equipment
A user and user data technology, applied in data processing applications, market forecasts, instruments, etc., can solve the problems of limited promotion of mobile payment, low customer coverage, unfavorable risk level, etc., and achieve the goal of optimizing the overall risk and return Effect
Pending Publication Date: 2020-02-18
北京淇瑀信息科技有限公司
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Problems solved by technology
The risk quality of the top customers selected by the existing technology is indeed good, but compared with the coverage rate of all customers, the promotion effect on the amount of mobile payment is relatively limited, and it is not conducive to the long-term optimization of the overall risk level, and the promotion of mobile payment. business income
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[0037] Exemplary embodiments of the present invention will now be described more fully with reference to the accompanying drawings. However, example embodiments may be embodied in many forms, and this invention should not be construed as limited to the embodiments set forth herein. On the contrary, providing these exemplary embodiments can make the present invention more comprehensive and complete, and facilitate the full transfer of the inventive concept to those skilled in the art. The same reference numerals denote the same or similar elements, components or parts in the drawings, and thus their repeated descriptions will be omitted.
[0038] On the premise of conforming to the technical concept of the present invention, the features, structures, characteristics or other details described in a specific embodiment do not exclude that they can be combined in one or more other embodiments in a suitable manner.
[0039] In the description of the specific embodiments, the featu...
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The invention discloses a method and device for screening users, electronic equipment and a computer readable medium, and the method comprises the steps: obtaining user data, and creating a user riskportrait; dividing the users into a plurality of customer groups according to the user risk portraits; constructing a risk rule, and filtering the users in the plurality of customer groups according to the risk rule; segmenting the users in the filtered customer groups to form customer group blocks; and screening the customer group blocks according to the income and risk data of the customer groupblocks to complete user screening. According to the invention, the customer groups can be divided through the user risk portraits, and the users in different customer groups are screened in combination with the risk rules and the user behavior scores, so that accurate risk control is achieved.
Description
technical field [0001] The present invention relates to the field of computer information processing, in particular to a method, device, electronic equipment and computer-readable medium for screening users. Background technique [0002] In the prior art, when adjusting the amount by screening target customers, the financial platform often pays attention to the risk level of the target customers, and uses a unified policy threshold for verification. The risk quality of the top customers selected by the existing technology is indeed good, but compared with the coverage rate of all customers, the promotion effect on the amount of mobile payment is relatively limited, and it is not conducive to the long-term optimization of the overall risk level, and the promotion of mobile payment. business income. Contents of the invention [0003] The technical problem to be solved by the present invention is how to optimize the overall risk and benefit while improving the pass rate of u...
Claims
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Login to View More IPC IPC(8): G06Q30/02G06Q40/02
CPCG06Q30/0201G06Q30/0203G06Q40/03
Inventor 陶然张潮华朱明林郑彦
Owner 北京淇瑀信息科技有限公司