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Credit data determination method and device and storage medium

A technology for determining methods and data, applied in the field of Internet finance, can solve problems such as low accuracy of credit data, and achieve the effect of improving accuracy and accuracy

Inactive Publication Date: 2020-03-17
BEIJING SANKUAI ONLINE TECH CO LTD
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  • Abstract
  • Description
  • Claims
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Problems solved by technology

[0004] The embodiment of the present application provides a method, device and storage medium for determining credit data, which can be used to solve the problem of low accuracy in determining credit data existing in related technologies

Method used

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  • Credit data determination method and device and storage medium
  • Credit data determination method and device and storage medium
  • Credit data determination method and device and storage medium

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Embodiment Construction

[0069] In order to make the purpose, technical solution and advantages of the present application clearer, the implementation manners of the present application will be further described in detail below in conjunction with the accompanying drawings.

[0070] Before explaining the embodiment of the present application in detail, the application scenario of the embodiment of the present application will be described first. The embodiment of the present application is applied in the Internet financial scene, and is used for credit evaluation of users in the Internet financial scene.

[0071] In related technologies, when the application platform evaluates the user's credit for financial scenarios, it can obtain the user's behavior data on the application, and according to the behavior data, evaluate and process the behavior data through the credit evaluation model built by the application platform itself. Get App Credit Score. Then, through the system interface of the first cred...

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Abstract

The invention discloses a credit data determination method and device and a storage medium, and belongs to the field of Internet finance. The method comprises the steps of obtaining a first credit investigation feature corresponding to credit investigation data of a target user, wherein the credit investigation data comprises multiple types of credit investigation data; evaluating the first creditinvestigation feature through an FM model and a DNN model in the comprehensive credit evaluation model to obtain a first credit score and a second credit score of the target user; and performing fusion processing on the first credit score and the second credit score through an output layer of the comprehensive credit evaluation model to obtain a third credit score of the target user. According tothe invention, the user credit can be evaluated in a unified manner according to the association relationships among various types of credit investigation data and the influence factors among the credit investigation data, so that the credit score obtained through evaluation can represent the credit of the user more comprehensively and accurately, and the accuracy of determining the credit data is improved.

Description

technical field [0001] The present application relates to the field of Internet finance, in particular to a method, device and storage medium for determining credit data. Background technique [0002] In the field of Internet finance, when a user applies for a financial product, the financial platform needs to first obtain the user's credit data, determine the credit score that can indicate the user's credit based on the user's credit data, and then judge whether the user meets the requirements based on the user's credit score. Application conditions. [0003] At present, various types of credit evaluation models have emerged. Different types of credit evaluation models are used to evaluate user credit based on different types of credit data, and the obtained credit scores are used to represent user credit from different perspectives. There is no connection between them. When it is necessary to perform credit evaluation on a user, various types of credit information data o...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 杨情
Owner BEIJING SANKUAI ONLINE TECH CO LTD
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