Method for predicting overall interaction capability without external interaction data

By obtaining data from local databases and credit institutions, predicting the overall interaction ability of consumer entities is solved, and the problem of difficult to estimate the overall interaction behavior of consumer entities in the prior art is solved, achieving high-precision prediction.

CN119722276APending Publication Date: 2025-03-28VISA INTERNATIONAL SERVICE ASSOCIATION
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Patent Information

Application Number
CN202311267335.5
Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
Filing Date
2023-09-27
Publication Date
2025-03-28

AI Technical Summary

Technical Problem

The prior art is difficult to estimate the overall interaction behavior of consumer entities because the interaction information cannot be exchanged directly between different issuers, resulting in a lack of interaction information by entities at other issuers.

Method used

Based on these data, the overall interactive capability of the consumer entity is predicted by obtaining internal account balance data of the consumer entity from the local database and obtaining credit data of the consumer entity at each issuer.

Benefits of technology

It realizes the accurate prediction of the overall interaction ability of consumer entities without external issuers' interaction information, and improves the estimation accuracy.

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Abstract

A computer-implemented method is disclosed. The method comprises: obtaining internal account balance data of a consumer entity from a local database associated with a local issuer; obtaining credit mechanism data for the consumption entity from a credit mechanism, where the credit mechanism data includes credit metrics for the consumption entity at respective issuers, where the respective issuers include the local issuer and at least one external issuer; and predicting an overall interaction capability of the consumer entity based at least on the internal account balance data and the credit institution data, wherein the overall interaction capability indicates an interaction capability of the consumer entity at the respective issuer.
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