Calculation method and device for feature data of lending user in financial scene

A technology of user characteristics and user data, applied in the field of big data, can solve the problems that the characteristics cannot be counted relatively completely, manual processing is time-consuming and laborious, and achieve the effect of reducing labor and time costs and reducing financial risks

Inactive Publication Date: 2021-01-26
北京泛钛客科技有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

At present, risk control in the field of Internet finance usually requires risk control data experts to manually analyze, design and clean to generate characteris

Method used

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  • Calculation method and device for feature data of lending user in financial scene
  • Calculation method and device for feature data of lending user in financial scene
  • Calculation method and device for feature data of lending user in financial scene

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[0036]It should be noted that the embodiments in this application and the features in each embodiment can be combined with each other if there is no conflict.

[0037]Hereinafter, the present application will be described in detail with reference to the drawings and in conjunction with the embodiments.

[0038]This application is aimed at the calculation method of characteristic data of deposit and loan users (such as users who record deposit and loan time series) in financial scenarios (such as banks). It is divided into four parts, including data initialization, field expansion, data grouping, and characteristic calculation. Each part is independent and interrelated. The modular structure is flexible, which facilitates the combination of modules, and has high reusability and maintainability.

[0039]The calculation method of deposit and loan user characteristic data provided in this application is as followsfigure 1 As shown, specifically including:

[0040]Step 101, data initialization; impo...

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Abstract

The invention discloses a calculation method and device for feature data of a lending user in a financial scene. The method comprises the steps of grouping debit and credit user data according to a debit and credit user identifier to form a first data block; performing field expansion on the first data block to form an expanded first data block; grouping the expanded first data blocks according tothe state of the deposit and loan user and/or the behavior occurrence time of the deposit and loan user to obtain second data blocks; and calculating deposit and loan user characteristic data according to the second data block and the expanded first data block, wherein the debit and credit user data comprises a debit and credit user identifier, a debit and credit user state, debit and credit userbehavior occurrence time and data related to debit and credit user behaviors. According to the technical scheme, high-efficiency and comprehensive deposit and loan user feature data can be generatedthrough engineering.

Description

technical field [0001] This application relates to the field of big data, and in particular to a method and device for calculating characteristic data of deposit and loan users in financial scenarios. Background technique [0002] In the financial field (such as banking, insurance, trust, etc.), risk control is a very important task in the financial system. Risk control requires feature extraction from a large amount of raw data. With the development of Internet finance, risk control becomes more and more important. At present, risk control in the field of Internet finance usually requires risk control data experts to manually analyze, design and clean to generate characteristic variables, but manual processing is time-consuming and laborious, and manual experience may also make the characteristics unable to be statistically complete. Therefore, it is necessary to use big data analysis to complete the feature extraction work, especially to process the feature data of depos...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q10/10G06N20/00
CPCG06Q10/10G06N20/00G06Q40/03
Inventor 崔润邦未伟吴航宇邓江贾宁亢延哲
Owner 北京泛钛客科技有限公司
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