Service prediction model creation method and device and computer readable storage medium

A predictive model and business technology, applied in the field of artificial intelligence, can solve problems such as deviation of model predictive ability, inability to develop models, unstable effects, etc., and achieve the effect of strong predictive ability and stability

Pending Publication Date: 2021-12-24
SHANGHAI ICEKREDIT INC
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  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] During model development, a large amount of sample data is generally required. At the beginning stage of a business, there will be few sample data (business objects and business s

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  • Service prediction model creation method and device and computer readable storage medium
  • Service prediction model creation method and device and computer readable storage medium
  • Service prediction model creation method and device and computer readable storage medium

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Embodiment Construction

[0052] The present application will be described in detail below with reference to the accompanying drawings, and the specific operation methods in the method embodiments can also be applied to the device embodiments or system embodiments.

[0053] In the existing technology, in order to solve the technical problems in the background technology, a possible solution is to use other mature business sample data for modeling, however, due to the differences in business content, directly use other mature business samples The business prediction model formed by data modeling has the problems of poor prediction ability and weak stability.

[0054] Taking the credit business of financial institutions as an example, business forecasting models are usually used to predict the probability of default (business status) of business objects (customers). The forecasting business model used in the credit approval stage is usually called the application scoring model. The forecasting business mo...

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Abstract

According to the service prediction model creation method and device and the computer readable storage medium provided by the invention, firstly, a plurality of auxiliary data sets similar to a target data set are found; then, sampling is carried out from the multiple auxiliary data sets to obtain a sample data set, and a service state model is obtained through training of the sample data set; then, obtaining a default probability through the service state model, and determining a modeling data set based on the default probability; then, based on the target data set and the modeling data set, weight parameters are determined; and finally, establishing a service prediction model according to the modeling data set and the weight parameters. According to the scheme, the auxiliary dataset similar to the target dataset is used, the modeling dataset is screened out in a quantification mode, and the sample weight in the modeling dataset is adjusted, so that the samples in the modeling dataset are closer to samples of services corresponding to the to-be-created service prediction model, and the service prediction efficiency is improved. And the created service prediction model can have higher prediction capability and stability.

Description

technical field [0001] The present application relates to the technical field of artificial intelligence, and in particular, relates to a method, device and computer-readable storage medium for creating a service forecast model. Background technique [0002] During model development, a large amount of sample data is generally required. At the beginning stage of a business, there will be few sample data (business objects and business status labels), etc., and it is impossible to develop models based on the existing current sample data. , or the developed model's predictive ability is biased and the effect is unstable. Contents of the invention [0003] In order to at least overcome the above-mentioned deficiencies in the prior art, the purpose of the present application is to provide a business forecasting model creation method, device and computer-readable storage medium for solving the above-mentioned technical problems. [0004] In the first aspect, the embodiment of th...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q30/02G06Q10/04
CPCG06Q30/0201G06Q10/04G06Q40/03
Inventor 顾凌云谢旻旗张涛黄以增
Owner SHANGHAI ICEKREDIT INC
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