Unlock instant, AI-driven research and patent intelligence for your innovation.
Data processing method, device, electronic device, and computer-readable storage medium
What is Al technical title?
Al technical title is built by PatSnap Al team. It summarizes the technical point description of the patent document.
A data processing and numerical technology, applied in the computer field, can solve problems such as difficulty in obtaining loan support, and achieve the effect of improving accuracy
Active Publication Date: 2021-09-24
北京轻松怡康信息技术有限公司
View PDF0 Cites 0 Cited by
Summary
Abstract
Description
Claims
Application Information
AI Technical Summary
This helps you quickly interpret patents by identifying the three key elements:
Problems solved by technology
Method used
Benefits of technology
Problems solved by technology
The most basic condition for loans from banks or other financial institutions is credit. If you have good credit, you can easily obtain loan support from banks or other financial institutions. If you have poor credit, it is difficult to obtain loan support from banks or other financial institutions.
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
Click on the blue label to locate the original text in one second.
Reading with bidirectional positioning of images and text.
Smart Image
Examples
Experimental program
Comparison scheme
Effect test
Embodiment 1
[0104] In order to facilitate understanding of this embodiment, a data processing method disclosed in this embodiment of this application is first introduced in detail. figure 1 shows a flow chart of a data processing method provided by an embodiment of the present application, as shown in figure 1 As shown, the method includes the following steps:
[0105] S101: Obtain first financial information of a target user.
[0106] The target user refers to the user who needs to evaluate the credit rating but has not yet evaluated it.
[0107] The first financial information refers to the personal information of the target user that is required to evaluate the target user's credit rating. Specifically, the first financial information includes but is not limited to the personal identity information of the target user (such as name, gender, nationality, nationality, etc.) , ID card type number, occupation, contact information, marital status, family status, residence or workplace addr...
Embodiment 2
[0196] Based on the same technical concept, the embodiment of the present application also provides a data processing device, image 3 shows a schematic structural diagram of a data processing device provided by an embodiment of the present application, as shown in image 3 As shown, the device includes:
[0197] The first obtaining unit 301 is configured to obtain the first financial information of the target user;
[0198]The first processing unit 302 is configured to preprocess the first financial information according to the type of the first financial information, to obtain a first feature vector representing the first financial information;
[0199] The first encoding unit 303 is configured to input the first feature vector corresponding to the target user into at least two trained target credit rating models, and obtain the encoded first encoding vector and the second encoding vector output by each target credit rating model. Two encoding vectors; wherein, for each ta...
Embodiment 3
[0234] Based on the same technical concept, the embodiment of the present application also provides an electronic device, Figure 4 shows a schematic structural diagram of an electronic device provided by an embodiment of the present application, as shown in Figure 4 As shown, the electronic device 400 includes: a processor 401, a memory 402 and a bus 403. The memory 402 stores machine-readable instructions executable by the processor. When the electronic device is running, the processor 401 and the memory 402 are connected through the bus 403 communication, the processor 401 executes machine-readable instructions to execute the method steps described in Embodiment 1.
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
Login to View More
Abstract
The present application provides a data processing method, device, electronic equipment, and computer-readable storage medium, including: inputting the first feature vectors corresponding to the first financial information of the target user into at least two target credit rating models respectively, for The first feature vector is encoded to obtain the first encoded vector, the first encoded vector is decoded to obtain the decoded vector, and the mean value between the mean vector and the decoded vector is encoded to obtain the second encoded vector; each target credit rating model Corresponding to a mean value vector and a credit rating; for each target credit rating model, calculate the difference between the first coded vector and the second coded vector; for the target user, determine the target user according to the difference value corresponding to each target credit rating model credit rating. This application determines the credit rating of the target user through the difference value of the target user in each target credit rating model, and improves the accuracy of user credit rating evaluation.
Description
technical field [0001] The present application relates to the field of computer technology, and in particular to a data processing method, device, electronic equipment, and computer-readable storage medium. Background technique [0002] Credit rating assessment is an activity in which banks or other financial institutions evaluate the credit status of borrowers. The most basic condition for loans from banks or other financial institutions is credit. If you have good credit, you can easily obtain loan support from banks or other financial institutions, but if you have poor credit, it is difficult to obtain loan support from banks or other financial institutions. The credit of the borrower is composed of many factors, including the status of the borrower's assets and liabilities, management level, product economic benefits and market development trends, etc., when the user submits a business application (such as a loan) to a bank or other financial institution , Banks or fina...
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
Application Date:The date an application was filed.
Publication Date:The date a patent or application was officially published.
First Publication Date:The earliest publication date of a patent with the same application number.
Issue Date:Publication date of the patent grant document.
PCT Entry Date:The Entry date of PCT National Phase.
Estimated Expiry Date:The statutory expiry date of a patent right according to the Patent Law, and it is the longest term of protection that the patent right can achieve without the termination of the patent right due to other reasons(Term extension factor has been taken into account ).
Invalid Date:Actual expiry date is based on effective date or publication date of legal transaction data of invalid patent.
Login to View More 
Login to View More