Customer classification method and device
A classification method, customer's technology, applied in the computer field, which can solve problems such as low accuracy
Pending Publication Date: 2021-03-26
CCB FINTECH CO LTD
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Problems solved by technology
[0004] In view of this, the embodiment of the present invention provides a customer classification method and device, which can solve the problem of low accuracy caused by empirically determining thresholds in existing classification methods
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[0058] Exemplary embodiments of the present invention are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding, and they should be regarded as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
[0059] In order to facilitate the understanding of the technical solutions of the embodiments of the present invention, firstly, the Internet credit pre-loan review process is used as an example for illustration. The general risk control process is to judge whether it meets the entry threshold, whether it is included in the blacklist, whether it can be detected by the anti...
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The invention discloses a customer classification method and device, and relates to the technical field of computers. One specific embodiment of the customer classification method comprises the stepsthat a verification module verifies customers according to transaction data of the customers; if the client meets the verification requirement, a scoring module determines a credit score and / or an anti-fraud score of the client; the threshold determination module determines a rule set of each dimension index feature, and determines a target threshold corresponding to each dimension index feature according to the rule set of each dimension index feature and a decision function; wherein the index feature is a feature derived according to transaction data of the customer; and the classification module determines a classification result of the customer according to the credit score and / or the anti-fraud score of the customer and the target threshold of the index feature of each dimension. According to the embodiment, the target threshold value is determined based on the decision function, and the accuracy is high.
Description
technical field [0001] The present invention relates to the field of computer technology, in particular to a client classification method and device. Background technique [0002] Internet pure online business basically does not require face-to-face signing, and special attention needs to be paid to the authenticity of the loan identity. At the same time, the identification channels for repayment ability and repayment willingness are also different from traditional ones. The authenticity of the borrower's identity can be identified through ID card photo comparison and face recognition. The identification of repayment ability and repayment willingness cannot be carried out in the way of traditional business due diligence and on-site interviews. It can only be examined based on the information submitted by the borrower, the central bank’s credit reference, and third-party data cross-validation. [0003] Internet customers have a wide range of sources, and most of the risk con...
Claims
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IPC IPC(8): G06Q40/02G06Q10/06G06K9/62
CPCG06Q10/06393G06Q40/03G06F18/241
Inventor 张发波
Owner CCB FINTECH CO LTD