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User characteristic data synthesis method, device and electronic equipment

A technology of user characteristics and user data, applied in the field of data processing, can solve problems such as limited effect, and achieve the effect of improving the effect of model training

Active Publication Date: 2020-08-28
BEIJING QIYU INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, due to the fact that there is a large amount of user raw data, traditional credit scoring largely depends on feature engineering involving domain expert knowledge, intuition, and trial and error. The effect is also very limited

Method used

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  • User characteristic data synthesis method, device and electronic equipment
  • User characteristic data synthesis method, device and electronic equipment
  • User characteristic data synthesis method, device and electronic equipment

Examples

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Embodiment Construction

[0043] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The same reference numerals denote the same or similar parts in the drawings, and thus their repeated descriptions will be omitted.

[0044] Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of embodiments of the present disclosure. However, those skilled in the art will appreciate that the technical solutions of the present disclosure may be practiced without one or mo...

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Abstract

The present disclosure relates to a user characteristic data synthesis method, device, electronic equipment and computer readable medium. The method includes: acquiring user data, wherein the user data includes a plurality of tables storing user behavior data; determining a plurality of dimension parameters based on a user feature synthesis model; correlating multiple tables in ; inputting the associated user data into the user feature synthesis model to generate user feature data, wherein the user feature synthesis model is used to automatically extract user feature data. The user characteristic data synthesis method, device, electronic equipment, and computer-readable medium involved in the present disclosure can quickly and efficiently synthesize user characteristic data from user data, and the user characteristic data has a higher amount of information. During model training, it can improve the effect of model training.

Description

technical field [0001] The invention belongs to the technical field of data processing, and in particular relates to a data processing method suitable for financial, commercial or forecasting purposes, related devices, and electronic equipment. Specifically, the present invention proposes a user characteristic data synthesis method, device, electronic equipment, and computer-readable medium, which are applied to financial risk prediction based on financial big data. Background technique [0002] The essence of consumer financial behavior is that consumers have to pay a certain financial cost to change the flow of disposable capital within a specified period to suit their consumption needs. After years of initial development, financial network service platforms have entered a period of market eruption and penetrated into all walks of life in society. Many such platforms have provided basic financial services to a large number of users. [0003] Given that financial web servi...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06F16/2458G06Q40/02G06N3/04G06N3/08G06N20/00
CPCG06F16/2465G06N3/04G06N3/08G06N20/00G06Q40/03
Inventor 宋孟楠苏绥绥常富洋郑彦
Owner BEIJING QIYU INFORMATION TECH CO LTD