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User credit scoring method, device and system and storage medium

A credit scoring and user technology, applied in the direction of data processing applications, instruments, resources, etc., can solve the problems that telecom operators cannot evaluate user credit risk, affect the large-scale promotion of promotional business, and affect the guarantee of economic benefits of operators, etc.

Pending Publication Date: 2022-01-21
广东贤能数字科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] But for now, because telecom operators are unable to evaluate the credit risk of users, telecom operators cannot reasonably select users according to the user's credit score when launching promotional services. On the one hand, it will affect the large-scale promotion of promotional services. On the other hand, it will also affect the economic benefits of operators

Method used

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  • User credit scoring method, device and system and storage medium
  • User credit scoring method, device and system and storage medium
  • User credit scoring method, device and system and storage medium

Examples

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Embodiment Construction

[0042] Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with aspects of the present application as recited in the appended claims.

[0043] It should be noted that, in this document, the term "comprising", "comprising" or any other variation thereof is intended to cover a non-exclusive inclusion such that a process, method, article or apparatus comprising a set of elements includes not only those elements, It also includes other elements not expressly listed, or elements inherent in the process, method, article, or de...

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PUM

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Abstract

The embodiment of the invention discloses a user credit scoring method, device and system and a storage medium, and the method comprises the steps: receiving a credit query request which carries a target user and a target service; inquiring the consumption data of the target user in each telecom operator from a block chain system, wherein the block chain system comprises a plurality of telecom operator block chains, and the consumption data of the target user in the telecom operator is stored in each telecom operator block chain; calling a graph database to construct a target user graph model according to the consumption data; and determining a credit score of the target user in the target service according to the target user graph model. According to the method, credit scoring can be carried out on the target user, so that the problem that the existing telecom operator cannot reasonably select the user according to the credit score of the user when the promotion service is launched is solved.

Description

technical field [0001] The present invention relates to the technical field of computer software, in particular to a user credit scoring method, device, system and storage medium. Background technique [0002] With the rapid development of the business volume of telecom operators, in order to occupy the market, each telecom operator has launched a variety of promotional services. For telecom operators, how to improve user stickiness and ensure that users can complete business processes has become an important problem that needs to be solved urgently. [0003] But for now, because telecom operators are unable to evaluate the credit risk of users, telecom operators cannot reasonably select users according to the user's credit score when launching promotional services. On the one hand, it will affect the large-scale promotion of promotional services. On the other hand, it will also affect the guarantee of economic benefits of operators. Contents of the invention [0004] In...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q30/02G06Q50/32
CPCG06Q10/0635G06Q10/06393G06Q30/0201G06Q50/60
Inventor 宋保军
Owner 广东贤能数字科技有限公司