Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

Prediction system, method and device for user repayment timeliness and electronic equipment

A forecasting system and timely technology, applied in the financial field, can solve problems such as insufficient user data sets, avoid privacy leakage problems, improve forecasting effects, and have wide application prospects.

Active Publication Date: 2020-12-18
XIDIAN UNIV
View PDF8 Cites 0 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] In order to solve the problem of insufficient user data sets shared by sales companies and banks in vertical federated learning, and to improve the predictive effect of the longitudinal federated learning models of the two on the timeliness of user repayment, the embodiment of the present invention provides a user repayment timeliness A predictive system, method, device, electronic device, storage medium, and a federated learning model training method

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
  • Prediction system, method and device for user repayment timeliness and electronic equipment
  • Prediction system, method and device for user repayment timeliness and electronic equipment
  • Prediction system, method and device for user repayment timeliness and electronic equipment

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0024] 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 only some, not all, embodiments of the present invention. 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.

[0025] In order to solve the problem of insufficient user data sets shared by sales companies and banks in vertical federated learning, and to improve the predictive effect of the longitudinal federated learning models of the two on the timeliness of user repayment, the embodiment of the present invention provides a user repayment timeliness A predictive system, method, device, electronic device, storage medium, and a federated learning model training method. ...

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 discloses a prediction method for user repayment timeliness. The method comprises the steps that a first client acquires first identification data and a first feature data set of a target user; a second prediction feature data set of the first feature data set at a second client is predicted by using the dual model, and the first identification data and encrypted data of the second prediction feature data set are sent to the second client; a first encryption weighted value of the first feature data set is obtained and the first encryption weighted value is sent to the server; thesecond client determines a second target feature data set of the target user at the second client by using the received encrypted data, obtains a second encryption weighted value of the second targetfeature data set and sends the second encryption weighted value to the server; the server sums the received first encryption weighted value and second encryption weighted value, decrypts the summation result to obtain target label data representing the repayment timeliness of the target user, and sends the target label data to the first client; wherein the first client is one of a sales enterprise terminal or a bank terminal, and the second client is the other of the sales enterprise terminal or the bank terminal.

Description

technical field [0001] The invention belongs to the field of finance, and in particular relates to a prediction system, method, device and electronic equipment about the timeliness of user repayment. Background technique [0002] In the financial field, based on business needs, banks often need to predict whether users can repay loans such as credit cards in a timely manner, but the bank's own user data may not be sufficient for prediction. At the same time, sales companies also expect to predict whether users can repay the loan in time to carry out user portraits. Therefore, banks and sales companies expect to jointly complete the prediction process of user repayment timeliness without revealing the private data of their respective users. [0003] In this case, the concept of "federated learning" came into being. Federated learning is actually an encrypted distributed machine learning technology. Sales companies and banks can use the longitudinal federated learning method...

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): G06Q10/04G06Q40/02G06K9/62G06N3/04G06N3/08G06N20/00
CPCG06Q10/04G06N3/084G06N20/00G06N3/045G06Q40/03G06F18/24
Inventor 公茂果高原王钊梁爽王善峰武越张明阳李豪
Owner XIDIAN UNIV
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products