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Personal credit data processing method and device

A data processing and data technology, applied in the field of Internet technology and big data processing, can solve the problems of difficult and fast acquisition, lack of fair standards, low credibility, etc., and achieve the effect of objective evaluation results

Inactive Publication Date: 2015-08-26
BAIDU ONLINE NETWORK TECH (BEIJIBG) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the scoring data given by the organization lacks fair standards, has low credibility, and is difficult to be quickly obtained by consumers through information channels such as the Internet.

Method used

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  • Personal credit data processing method and device
  • Personal credit data processing method and device
  • Personal credit data processing method and device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0023] figure 1 It is a flow chart of a method for processing personal credit data provided by Embodiment 1 of the present invention. This embodiment is applicable to collecting various personal data of users and using them to evaluate personal credit. The method can be executed by a personal credit data processing device, and the device can be implemented in the form of hardware and / or software. The method specifically includes the following:

[0024] S110. Collecting raw data for evaluating the user's personal credit;

[0025] The above operations can be to obtain various data that can be used to evaluate the user's personal credit from a variety of data sources and in a variety of collection methods, which can be used as raw data. Data sources, collection methods, and data content can all be set based on evaluation needs, and can also be updated and added based on evaluation effects and technological development. The specific content will be described in detail later in t...

Embodiment 2

[0086] figure 2 A flow chart of a method for processing personal credit data provided by Embodiment 2 of the present invention. Based on the foregoing embodiments, the method further provides an implementation plan for forming a personal credit evaluation model based on the standardized personal data, including the following:

[0087] S210. Extract the user's standardized personal data from at least two set dimensions, and establish a positive sample library and a negative sample library according to the set standards, and divide the samples of the positive sample library and the negative sample library into learning level and test respectively. Group;

[0088] The user's standardized personal data can be bound to the user's personal unique ID number, and a positive and negative sample library with complete data can be established.

[0089] Taking the lawyer industry as an example, first of all, through raw data collection and data conversion processing, standardized persona...

Embodiment 3

[0100] image 3 A flow chart of a method for processing personal credit data provided by Embodiment 3 of the present invention. Based on the foregoing embodiments, the method further provides an implementation scheme for forming a personal credit evaluation model based on the standardized personal data, including the following:

[0101] S310. Determine the hidden features of the algorithm from the normalized personal data through the deep neural network learning algorithm;

[0102] Algorithmic recessive features, also known as high-dimensional features, are determined based on the low-dimensional features of normalized personal data, which can be used by the algorithm to distinguish the results, and belong to the intermediate features that the learning algorithm relies on. The hidden features of the algorithm can be identified and determined by the deep neural network learning algorithm based on massive calculations based on massive normalized personal data.

[0103] S320. Ob...

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Abstract

The invention embodiment provides a personal credit data processing method and a device; the method comprises the following steps: collecting original data used for evaluating users personal credit; converting and processing original data of each user so as to form standardization personal data; forming a personal credit evaluation model according to the standardization personal data; evaluating personal credit of the user according to the personal credit evaluation model. The method and device collect the user original data and convert and process the data, thus forming the personal credit evaluation model, so the user personal credit can be quantified and automatically evaluated, thus providing a personal credit evaluation platform; the user personal credit can be learned before mass services and transactions, and an evaluation result is more objective and accurate.

Description

technical field [0001] Embodiments of the present invention relate to Internet technology and big data processing technology, and in particular to a personal credit data processing method and device. Background technique [0002] With the popularization of mobile Internet and smart terminals, individual consumers and service industry practitioners can be directly connected more efficiently, prompting the trend of disintermediation in the field of life services, and the cost of the industry has been greatly reduced. At the same time, employees can be more free and more Actively put into work, and at the same time achieve higher personal income with higher work initiative in an unmediated market environment. [0003] In the process of individuals in the service industry entering the market as individuals, the trust of consumers is the main difficulty restricting the development of this trend. It is difficult for consumers to accept individual service providers under the condit...

Claims

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Application Information

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IPC IPC(8): G06Q10/06
Inventor 韩博
Owner BAIDU ONLINE NETWORK TECH (BEIJIBG) CO LTD
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