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Resource guarantee user distribution method and device based on resource continuous input risk assessment model, and electronic equipment

A risk assessment model and resource technology, applied in the field of computer information processing, can solve the problem of inability to predict the financial resource demand plan and time of individual users in advance, and achieve the effect of improving the model prediction accuracy, improving the dynamic expenditure rate, and reducing the marketing cost.

Pending Publication Date: 2021-07-23
北京奇保信安科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

For individual users, due to the individual differences of individual users, it is almost impossible for Internet financial service companies to predict the plan and time of individual users' financial resource needs in advance. How to better predict the financial product needs of individual users and accurately evaluate the investment resources situation, and more effective user diversion for limited resources, and more reasonable resource allocation for different users, are the problems faced by Internet financial service companies today

Method used

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  • Resource guarantee user distribution method and device based on resource continuous input risk assessment model, and electronic equipment
  • Resource guarantee user distribution method and device based on resource continuous input risk assessment model, and electronic equipment
  • Resource guarantee user distribution method and device based on resource continuous input risk assessment model, and electronic equipment

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0056] Below, will refer to Figure 1 to Figure 6 The method for assessing the continuous input of resources in Embodiment 1 of the present invention is described. The method includes the following steps.

[0057] Step S101, acquiring historical sample data to establish a training sample data set.

[0058] Step S102, building a continuous resource input estimation model, and using the training data set for training.

[0059] Step S103, using the trained resource continuation investment estimation model to calculate the resource continuation evaluation value of the target user. The resource continuation evaluation value is used to represent the probability that the resource input person will give up resource input for the resource guarantee product.

no. 1 approach

[0061] refer to Figure 1 to Figure 3 , the first implementation of Example 1 of the present invention will be specifically described.

[0062] figure 1 It is a flow chart of an example of the method for assessing resource continuous investment in the first implementation of Example 1 of the present invention.

[0063] like figure 1 As shown, in step S101, historical sample data is obtained to establish a training sample data set. The historical sample data includes user attribute data, user behavior data, and resource continuous investment performance data. The user behavior data includes resource guarantee input relationship characteristic data , the continuous resource input performance data includes abandoned resource input data, non-continuous input resource data and connection methods.

[0064] For example, user attribute data includes information data such as gender, age, mobile phone number, and ID card number.

[0065] In this example, the user behavior data inclu...

no. 2 approach

[0109] refer to Figure 4 to Figure 6 , the second embodiment of Embodiment 1 of the present invention will be specifically described.

[0110] In this embodiment, the difference from the first embodiment is that the training data sets in step S401 and step S101 are different, and the ways of extracting data are different.

[0111] It should be noted that, for the same parts of the first embodiment and the second embodiment, in order to avoid repetition, the description of this part is omitted.

[0112] like Figure 4 As shown, in step S401, the historical sample data includes user attribute data, user interest information data and resource continuous investment performance data, and the user interest information data includes APP installation list information, subscription information, push information and address information.

[0113] Specifically, the subscription information includes the time and number of clicks on the subscription information, and whether the subscript...

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Abstract

The invention provides a resource guarantee user distribution method and device based on a resource continuous input risk assessment model and electronic equipment. The method comprises the following steps: establishing a continuous resource investment risk assessment model which is used for assessing the continuous resource investment risk of a user for a resource guarantee product according to attribute feature data and behavior feature data of the user; receiving a page access request of a client, wherein the user access request comprises user identification information; obtaining user attribute feature data and user behavior feature data based on the user identification information; using the resource continuous input risk assessment model to calculate a resource continuous input assessment value of the user; and determining a corresponding resource guarantee product of the user based on the resource continuous input evaluation value of the user, so as to send customized page data to a client of the user. According to the invention, the resource input continuing condition and the resource use condition of the user can be accurately evaluated, and more effective resource allocation and resource management are realized.

Description

technical field [0001] The present invention relates to the field of computer information processing, in particular to a method, device and electronic equipment for resource guarantee user distribution based on a risk assessment model of continuous resource investment. Background technique [0002] In Internet-based application technology, it is often necessary to exchange resources between different participants. The resources referred to here refer to any material, information, money, time, etc. that can be used. Information resources include computing resources and various types of data resources. Data resources include various specialized data in various fields. In the process of allocating resources, it is often necessary to authenticate the user's resource allocation rights, and obtain a guarantee certificate for resource guarantee based on the user's resource investment type and method. The resource allocation right refers to whether the user has the right to obtain...

Claims

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Application Information

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IPC IPC(8): G06Q30/02G06Q10/06G06Q40/00
CPCG06Q10/0635G06Q30/0201G06Q30/0202G06Q40/00
Inventor 张中峰王娜丽贺方超
Owner 北京奇保信安科技有限公司