User characteristic data generation method and device and electronic equipment

Abstract

The invention relates to a user characteristic data generation method and device, electronic equipment and a computer readable medium. The method comprises the steps of obtaining a terminal application list of a user, wherein the terminal application list comprises installed application information; respectively inputting the application information in the terminal application list into a first word vector model and a second word vector model to generate a plurality of first word vectors and a plurality of second word vectors; performing information fusion on the plurality of first word vectors and the plurality of second word vectors to generate word vector information of the user; and generating feature data of the user through the word vector information. According to the user characteristic data generation method and device, the electronic equipment and the computer readable medium, the characteristics of the user can be accurately analyzed from multiple dimensions, the data for accurately describing the characteristics of the user is generated, and more comprehensive risk analysis can be carried out on the user through the user characteristic data.

Description

technical field

[0001] The present disclosure relates to the field of computer information processing, and in particular, to a method and device for generating user characteristic data, electronic equipment, and a computer-readable medium. Background technique

[0002] Individual users or corporate users often carry out borrowing activities by financial service institutions. For financial service institutions, users' borrowing activities are likely to bring risks to financial service companies. At present, the identification of financial risks is often obtained by analyzing the user's basic information and behavior information. For example, the basic information may include the user's age, gender, occupation, region, etc., and the behavior information may include the user's loan information, Repayment information, default information, etc. How to dig out more information that can reflect a certain aspect of the user's characteristics, so as to conduct a more comprehensive a...

Examples

Embodiment Construction

[0042] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The same reference numerals denote the same or similar parts in the drawings, and thus their repeated descriptions will be omitted.

[0043] Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of embodiments of the present disclosure. However, those skilled in the art will appreciate that the technical solutions of the present disclosure may be practiced without one or mo...

technical field

[0001] The present disclosure relates to the field of computer information processing, and in particular, to a method and device for generating user characteristic data, electronic equipment, and a computer-readable medium. Background technique

[0002] Individual users or corporate users often carry out borrowing activities by financial service institutions. For financial service institutions, users' borrowing activities are likely to bring risks to financial service companies. At present, the identification of financial risks is often obtained by analyzing the user's basic information and behavior information. For example, the basic information may include the user's age, gender, occupation, region, etc., and the behavior information may include the user's loan information, Repayment information, default information, etc. How to dig out more information that can reflect a certain aspect of the user's characteristics, so as to conduct a more comprehensive a...

Examples

Embodiment Construction

[0042] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The same reference numerals denote the same or similar parts in the drawings, and thus their repeated descriptions will be omitted.

[0043] Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of embodiments of the present disclosure. However, those skilled in the art will appreciate that the technical solutions of the present disclosure may be practiced without one or mo...

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