Eureka AIR delivers breakthrough ideas for toughest innovation challenges, trusted by R&D personnel around the world.

Method for generating credit investigation score card by using relation graph technology

A scorecard and credit scoring technology, applied in the field of data processing, can solve the problems of limiting the effect of risk control, limited improvement of the effect of risk control, and increasing complexity of rules and models, so as to achieve the effect of improving the ability of traditional risk control.

Pending Publication Date: 2020-08-28
四川万网鑫成信息科技有限公司
View PDF0 Cites 0 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

These methods limit the improvement of risk control effect brought about by technological development, such as more complex machine learning models, deep learning methods, etc. Under the expert rules and scorecard methods, the improvement of risk control effect is very limited
Therefore, based on the traditional method, the improvement of risk control ability needs to rely on the increase of data dimensions and characteristic variables to enrich the characteristics of expert rules and scorecard models, but this will definitely lead to a great increase in the complexity of rules and models

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Method for generating credit investigation score card by using relation graph technology
  • Method for generating credit investigation score card by using relation graph technology

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0018] It should be noted that, in the case of no conflict, the embodiments of the present invention and the features in the embodiments can be combined with each other.

[0019] In describing the present invention, it should be understood that the terms "center", "longitudinal", "transverse", "upper", "lower", "front", "rear", "left", "right", " The orientations or positional relationships indicated by "vertical", "horizontal", "top", "bottom", "inner" and "outer" are based on the orientations or positional relationships shown in the drawings, and are only for the convenience of describing the present invention and Simplified descriptions, rather than indicating or implying that the device or element referred to must have a particular orientation, be constructed and operate in a particular orientation, and thus should not be construed as limiting the invention. In addition, the terms "first", "second", etc. are used for descriptive purposes only, and should not be understood ...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention provides a method for generating a credit investigation score card by using a relation graph technology, and the method comprises a client information collection module and a credit score model building module, and the client information collection module is used for collecting the credit history, behavior preference, performance capability, identity characteristics and personal connection relation of a client. According to the method for generating the credit investigation score card by using the relational graph technology, effective risk control rules and characteristics are provided by describing the scale, risk level and composition characteristics of the relational graph, and the traditional risk control capability is greatly improved.

Description

technical field [0001] The invention belongs to the technical field of data processing, and in particular relates to a method for generating a credit scoring card by utilizing a relation graph technology. Background technique [0002] At present, most companies still use traditional risk control methods as their core risk control capabilities, mainly using expert rules and scorecards, which have better explanatory methods. These methods limit the improvement of risk control effect brought about by technological development, such as more complex machine learning models, deep learning methods, etc. Under the expert rules and scorecard methods, the improvement of risk control effect is very limited. Therefore, based on the traditional method, the improvement of risk control ability needs to rely on the increase of data dimensions and feature variables to enrich the characteristics of expert rules and scorecard models, but this will definitely lead to a great increase in the com...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F16/36G06F16/951
CPCG06F16/367G06F16/951G06Q40/03
Inventor 刘明顺周建国郑成
Owner 四川万网鑫成信息科技有限公司
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Eureka Blog
Learn More
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com