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Modeling sample generation method and device, equipment and computer readable storage medium

A technology for generating devices and patterns, applied in the field of financial technology, can solve the problems of low effectiveness of modeling samples, achieve high customer risk identification capabilities, and solve the effects of low effectiveness

Pending Publication Date: 2021-05-07
WEBANK (CHINA)
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The main purpose of the present invention is to propose a method, device, equipment and computer-readable storage medium for generating modeling samples, aiming to solve the technical problem that the validity of risk modeling samples obtained by existing methods is not high

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  • Modeling sample generation method and device, equipment and computer readable storage medium
  • Modeling sample generation method and device, equipment and computer readable storage medium
  • Modeling sample generation method and device, equipment and computer readable storage medium

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Embodiment Construction

[0051] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0052] Such as figure 1 as shown, figure 1 It is a schematic diagram of the device structure of the hardware operating environment involved in the solution of the embodiment of the present invention.

[0053] Such as figure 1As shown, the apparatus for generating modeling samples may include: a processor 1001 , such as a CPU, a user interface 1003 , a network interface 1004 , a memory 1005 , and a communication bus 1002 . Wherein, the communication bus 1002 is used to realize connection and communication between these components. The user interface 1003 may include a display screen (Display), an input unit such as a keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface and a wireless interface. Optionally, the network interface 1004 may include a standard wired inter...

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PUM

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Abstract

The invention relates to the technical field of finance science and technology. The invention discloses a modeling sample generation method and device, equipment and a medium, and the method comprises the steps: collecting a newest sample variable set of a modeling sample customer at a newest time point on the basis of an initial modeling sample set, and weighting the initial modeling sample set through the variable distribution information of the newest sample variable set, so that a final weighted modeling sample set can be obtained by fully combining the manifestation data of the old time point corresponding to the initial modeling sample set and the variable distribution information of the latest time point, so that the data distribution of the latest time point is simulated at the observation point, and modeling is performed by combining the manifestation period. Therefore, the variable weight in the model obtained by training based on the weighted modeling sample set can be close to the data distribution of the latest time point, and the variable weight in the finally trained model is also close to the data distribution of the latest time point, so that the customer risk identification capability is higher, and the effectiveness of the modeling sample is reflected.

Description

technical field [0001] The present invention relates to the technical field of financial technology (Fintech), and in particular to a modeling sample generation method, device, equipment and computer-readable storage medium. Background technique [0002] With the development of computer technology, more and more technologies (big data, distributed, blockchain, artificial intelligence, etc.) The industry's security and real-time requirements also put forward higher requirements for technology. [0003] For the field of risk modeling, because the samples of risk modeling need a long time to perform from the observation point, the samples are often far away from the current time, and the variables used in the modeling also represent the past behavior of customers. Therefore, based on this When the trained risk identification model is applied to the latest point in time, changes in customer behavior will cause the model to fail. In order to solve this problem, the existing sol...

Claims

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Application Information

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IPC IPC(8): G06Q10/04G06Q10/06
CPCG06Q10/04G06Q10/0635G06Q10/067
Inventor 张鹏陈婷吴三平庄伟亮
Owner WEBANK (CHINA)