User credit scoring method, storage medium and server

A credit score and user technology, applied in the field of data processing, can solve the problem of low accuracy of user credit score

Pending Publication Date: 2020-07-07
TCL CORPORATION
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The technical problem to be solved by the present invention is to provide a user credit scoring method, storage medium and server to solve the problem of low accuracy of existing user credit scoring

Method used

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  • User credit scoring method, storage medium and server
  • User credit scoring method, storage medium and server
  • User credit scoring method, storage medium and server

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Embodiment Construction

[0042] The present invention provides a user credit scoring method, storage medium and server. In order to make the purpose, technical solution and effect of the present invention clearer and clearer, the present invention will be further described in detail below with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0043] Those skilled in the art will understand that unless otherwise stated, the singular forms "a", "an", "said" and "the" used herein may also include plural forms. It should be further understood that the word "comprising" used in the description of the present invention refers to the presence of said features, integers, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, Integers, steps, operations, elements, components, and / or grou...

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Abstract

The invention discloses a user credit scoring method, a storage medium and a server. The user credit scoring method comprises the steps of: providing user basic data; generating fact labels accordingto data characteristics of the user basic data; generating at least one model label according to the fact labels; and scoring each preset prediction label by adopting a weighting model according to the plurality of fact labels and the at least one model label. According to the user credit scoring method, the user basic data is acquired through multiple channels, the basic data acquired through thechannels is integrated and analyzed to obtain the fact labels and the model labels, finally, the preset prediction labels are scored in a weighted manner, and the user credit score is determined according to the score of each prediction label, so that the scoring accuracy is improved.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a user credit scoring method, a storage medium and a server. Background technique [0002] User credit score, which is to measure the credit creditworthiness of users who need loans or credit card consumption. With the progress of society, people's living standards are constantly improving, and people's consumption concepts are becoming more and more advanced. At present, the main consumption gradually tends to be younger, followed by the change of the mainstream consumption concept. In a survey for young people, 57% of the respondents said that they "dare to use tomorrow's money", and 48% said that they "would not worry about consumption due to debt". In the hands of young people born in the 90s, basically everyone has at least one credit card on average. Consumption through credit can help young people travel abroad and pursue further studies. The middle class is al...

Claims

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Application Information

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IPC IPC(8): G06Q30/06
CPCG06Q30/0609
Inventor 罗建平
Owner TCL CORPORATION
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