Business Classification Method and Device
A business classification and business technology, applied in the field of machine learning, can solve the problems of the business classification model data dimension and information loss, the large number of candidate features, affecting the classification effect and stability of the business classification model, etc., to improve the actual classification effect and The effect of stability
Active Publication Date: 2021-02-23
SHANGHAI ICEKREDIT INC
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[0005] However, the inventors have found that the existing feature derivation methods use mathematical transformation, crossover and combination, binning and other derivation methods on the basis of combining dimensions such as time, space, and attributes, resulting in the number of candidate features finally obtained Many, the data information is scattered in many alternative features
However, limited by the requirements for feature significance, collinearity and gain degree in the process of building the actual business classification model, many features with good trends or business meanings are difficult to be selected into the model, which makes the final business classification model use data dimensions and There is a loss of information, which will ultimately affect the actual classification effect and stability of the business classification model
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[0041] In order to make the purpose, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. It should be understood that the appended The figures are only for the purpose of illustration and description, and are not used to limit the protection scope of the present application. Additionally, it should be understood that the schematic drawings are not drawn to scale. The flowcharts used in this application illustrate operations implemented in accordance with some of the embodiments of this application. It should be understood that the operations of the flowcharts may be performed out of order, and steps that have no logical context may be performed in reverse order or concurrently. In addition, those skilled in the art may add one or more other operat...
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The embodiment of the present application provides a business classification method and device. By performing further feature derivation on the features that have not entered the business classification model, a derived feature set with new meaning and more conducive to model calculation can be obtained through screening, so as to further mine the derived features. The data value of the feature supplements the data dimension and attribute information for the business classification model, and improves the actual classification effect and stability of the business classification model.
Description
technical field [0001] The present application relates to the technical field of machine learning, in particular, to a business classification method and device. Background technique [0002] In conventional risk control business scenarios, based on the data attributes and sources of features, derivation methods are usually divided into two categories. [0003] The first category, based on the inherent nature and characteristic data of the user, can be directly analyzed to derive features that can be used for quantitative description or classification. For example, based on the application form information such as identity, education, and work, the age, gender, place of origin, etc. can be directly analyzed. Derived characteristics such as operator category, graduate school type, working years, job attributes, etc.; [0004] The second category is based on user attributes, behaviors or credit scoring data (for example, PBOC data, legally authorized operator detailed bill da...
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IPC IPC(8): G06K9/62G06N20/10
CPCG06N20/10G06F18/23213G06F18/214G06F18/2415
Inventor 顾凌云谢旻旗段湾乔韵如王震宇
Owner SHANGHAI ICEKREDIT INC