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Model training method and device, equipment and storage medium

A model training and model technology, applied in the field of financial technology, can solve problems such as poor accuracy of risk control models, and achieve the effect of improving accuracy

Pending Publication Date: 2021-12-07
WEBANK (CHINA)
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AI Technical Summary

Problems solved by technology

[0005] The main purpose of this application is to provide a model training method, device, equipment and storage medium, aiming to solve the problem of using the travel preference characteristics obtained by processing travel data based on work experience to train the risk control model in related technologies, resulting in The accuracy of the trained risk control model is poor

Method used

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  • Model training method and device, equipment and storage medium
  • Model training method and device, equipment and storage medium
  • Model training method and device, equipment and storage medium

Examples

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Embodiment Construction

[0025] At present, staff usually process the collected travel data based on work experience to obtain travel preference characteristics (such as the frequency of users visiting a certain type of place within half a year, etc.), and use travel preference characteristics, educational background characteristics, and income level characteristics , working status characteristics, etc. to train the risk control model. Although the manually extracted travel preference features partly reflect the user’s travel rules and preferences, the intrinsic features of travel trajectories (such as the order of visits, visit time, etc.) are lost during the extraction process. The risk control model is trained, making the accuracy of the trained risk control model poor.

[0026] In this application, in order to improve the accuracy of the wind control model obtained through training, the inventor thought of deeply mining the travel data through the model to obtain the feature vector that can inclu...

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Abstract

The invention discloses a model training method and device, equipment and a storage medium. The method comprises the steps of obtaining a first travel sample; obtaining a feature extraction model; processing the first travel sample through a feature extraction model to obtain a travel feature vector, and processing the travel feature vector through a first classification model to obtain first prediction information; and respectively updating the feature extraction model and the first classification model according to the first prediction information and the mark information corresponding to the first travel sample to obtain a first risk control model. According to the model training method and device, the equipment and the storage medium, the accuracy of the first risk control model obtained through training can be improved.

Description

technical field [0001] This application relates to the technical field of financial technology (especially deep learning and big data), and in particular to a model training method, device, equipment and storage medium. Background technique [0002] The risk control model can be used to mine credit information as much as possible from the available data to realize the prediction of the borrower's credit loan. For example, when the borrower lacks bank credit card data, the risk control model can be used to mine whether the borrower has good credit qualifications from the air travel data of the borrower, so as to predict the borrower's credit loan. [0003] In related technologies, for example, before using the risk control model to predict the borrower's credit loan, the risk control model usually needs to be trained. The current training method includes: after the travel data is collected, the staff process the travel data according to their work experience to obtain the tr...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06K9/62
CPCG06Q40/03G06F18/241G06F18/214
Inventor 何元钦
Owner WEBANK (CHINA)
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