Credit card limit evaluation method and device, computer equipment and storage medium

An evaluation device, credit card technology, applied in computing, data processing applications, instruments, etc., can solve problems such as inaccurate credit card limit evaluation

Active Publication Date: 2020-04-24
深圳市信联征信有限公司
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[0004] The embodiment of the present invention provides a credit card limit evaluation method, device, computer equipmen

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  • Credit card limit evaluation method and device, computer equipment and storage medium
  • Credit card limit evaluation method and device, computer equipment and storage medium

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Embodiment Construction

[0035] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are some of the embodiments of the present invention, but not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0036] It should be understood that when used in this specification and the appended claims, the terms "comprising" and "comprises" indicate the presence of described features, integers, steps, operations, elements and / or components, but do not exclude one or Presence or addition of multiple other features, integers, steps, operations, elements, components and / or collections thereof.

[0037] It should also be understood that the terminology used ...

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Abstract

The embodiment of the invention discloses a credit card limit evaluation method and device, computer equipment and a storage medium. The method comprises the following steps: if credit card application information sent by a user is received, carrying out personal information evaluation on the user; if the user passes the personal information evaluation, obtaining social network original data of the user; performing data cleaning processing on the social network original data of the user to obtain social network data of the user; constructing a social network graph according to the social network data; obtaining an influence factor of the user and each contact person in the social network graph; inputting the user and each contact person in the social network graph into a preset clusteringmodel for clustering; and determining the quota of the user according to the clustering result of the user and the influence factor, thereby realizing credit card quota evaluation according to the social network data of the user, and improving the accuracy of credit card quota evaluation.

Description

technical field [0001] The invention relates to the technical field of credit card limit management, in particular to a credit card limit evaluation method, device, computer equipment and storage medium. Background technique [0002] In the development process of the modern financial industry, credit cards have occupied more and more shares and utilization rates, and card issuers have greater risk control requirements in terms of incoming documents and credit limit assessment. The traditional credit card limit evaluation system only evaluates based on the applicant's personal information, including verifying the authenticity of the information, querying the user's personal credit report, verifying asset information, and verifying the blacklist, eliminating high debt ratio, high tendency to cash out, overdue, and continuous card application , Kaduo, etc., and then give the quota range through scoring. [0003] Although the existing technology can conduct information verifica...

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Application Information

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IPC IPC(8): G06Q40/02G06Q10/06
CPCG06Q10/06393G06Q40/03Y02D10/00
Inventor 陈倩倩王霏蒋应全刘新宇
Owner 深圳市信联征信有限公司
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