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Credit card user risk category identification method and device, computer equipment and medium

A technology for credit cards and computer programs, applied in the field of big data, can solve the problems of insufficient recognition accuracy of credit card user risk categories, user information differentiation and screening, and difficulty in effectively extracting user information, so as to reduce the default rate of credit cards and improve the accuracy of identification. degree of effect

Pending Publication Date: 2022-03-11
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Description
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Problems solved by technology

[0003] At present, in the identification technology of credit card user risk category, all user information related to the user is generally used for modeling, but all user information is not differentiated and screened, making it difficult to effectively extract user information that has a significant impact on credit card risk. As a result, the identification accuracy of credit card user risk categories in this way is not high enough

Method used

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  • Credit card user risk category identification method and device, computer equipment and medium
  • Credit card user risk category identification method and device, computer equipment and medium
  • Credit card user risk category identification method and device, computer equipment and medium

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Embodiment Construction

[0041] In order to make the purpose, technical solution and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present application, and are not intended to limit the present application. In addition, the data and information involved in the present disclosure may be data and information authorized by the user or fully authorized by all parties.

[0042] The credit card user risk category identification method provided in the embodiment of this application can be applied to such as figure 1 shown in the application environment. Wherein, the terminal 101 communicates with the server 102 through a network. The data storage system can store data that needs to be processed by the server 102 . The data storage system can be integrated on the server 102, or plac...

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Abstract

The invention relates to a credit card user risk category identification method and device, computer equipment, a storage medium and a computer program product, and is applied to the field of big data. According to the invention, the identification accuracy of the credit card user risk category can be improved. The method comprises the following steps: acquiring user information of a credit card user; utilizing a stepwise regression model and a multivariate logistic regression model to screen out a plurality of risk influence factors from the user information; and inputting the attribute values corresponding to the plurality of risk influence factors into a pre-constructed decision tree model for traversal, and obtaining a risk category which the credit card user belongs to and is output by the decision tree model.

Description

technical field [0001] The present application relates to the field of big data technology, in particular to a credit card user risk category identification method, device, computer equipment, storage medium and computer program product. Background technique [0002] With the popularity of credit cards, credit card business is playing an increasingly important role in the banking system. Predicting whether a credit card user is a risk user is conducive to identifying risk users and high-quality users as early as possible, so that the bank can take timely measures to reduce the credit card limit of risk users and moderately increase the credit card limit of high-quality users, so as to reduce the losses caused by risk users and hope for better To provide services to high-quality users. [0003] At present, in the identification technology of credit card user risk category, all user information related to the user is generally used for modeling, but all user information is no...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06N3/04G06N3/08G06K9/62
CPCG06N3/08G06N3/048G06Q40/03G06F18/24
Inventor 汪志艺王伟权杨俊勉吴佳文
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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