Real-time grading method and grading system for credit of users

A user and credit technology, applied in the Internet field, can solve problems such as failure to meet the rhythm requirements of Internet finance, no major changes, and hidden enterprise risks.

Inactive Publication Date: 2018-08-24
深圳萨摩耶数字科技有限公司
View PDF5 Cites 8 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] First of all, after the user submits the information, the review result cannot be obtained online in real time (or in a short period of time), and the results are still waiting for the manual review according to the processing batch, which does not meet the rhythm requirements of Internet finance in essence.
[0005] Secondly, the audit content of this audit method is basically the same as that of the traditional offline audit, but the audit time is shortened. Due to the reduced audit time, the audit content has not changed significantly, so the identification rate of potential risks may be reduced, which brings great benefits to enterprises. bring risks

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Real-time grading method and grading system for credit of users
  • Real-time grading method and grading system for credit of users

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0033] With the development of big data technology, more comprehensive information of users can be obtained through big data, and the risk assessment of users from the real behavior of users is more effective than the review of traditional background information. At the same time, with the help of fast data processing capabilities, big data technology can complete the calculation and processing of a large amount of data in a short period of time, which can meet the "real-time" needs of users. Therefore, the online audit method based on big data is gradually emerging and has become an important audit method in the field of Internet finance.

[0034] The present invention proposes a real-time scoring method for user credit, figure 1 The implementation process of the real-time scoring method for user credit according to an embodiment of the present invention is disclosed. Such as figure 1 As shown, the method includes:

[0035]102. The step of obtaining data, obtaining the bas...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

PUM

No PUM Login to view more

Abstract

The invention brings forward a real-time grading method for credit of users. The method comprises the following steps: a data acquisition step of acquiring basic data of users through internet, a dataprocessing step of importing acquired basic data into dataflow computation cluster for real-time data processing, a grading step of importing processed basic data into one or multiple grading modelsand grading the processed basic data, wherein one or multiple grading models is / are established according to existing data, a data storage and feedback step of saving the basic data, the processed basic data and grades into a database and acquiring feedback information, a model evaluation and optimization step of evaluating and optimizing the one or multiple grading models and the dataflow computation cluster according to the saved basic data, the processed basic data, the grades and the feedback information, and an update step of updating the applied one or multiple grading models and the dataflow computation cluster according to optimized one or multiple grading models and the dataflow computation cluster. The invention also puts forward a real-time grading system for credit of users.

Description

technical field [0001] The present invention relates to Internet technology, and more specifically, to user evaluation technology in the field of Internet finance. Background technique [0002] Internet finance has developed rapidly with the development of Internet technology. Unlike the traditional financial industry, most operations of Internet finance are done online rather than on site. Internet finance is characterized by fast and convenient operation, full online operation, and no need for on-site processing, which greatly improves the convenience of users, so it has been widely welcomed and developed rapidly. [0003] However, Internet finance operated online also faces some difficulties. Risk control is the life of finance, and different financial forms have different requirements for risk control. Traditional finance is more inclined to offline risk control, and audits are conducted through on-the-spot collection of customer information, credit investigations, ce...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

Application Information

Patent Timeline
no application Login to view more
Patent Type & Authority Applications(China)
IPC IPC(8): G06F17/30G06Q10/06G06Q40/00
CPCG06F16/95G06Q10/063G06Q40/00
Inventor 刘杰徐磊
Owner 深圳萨摩耶数字科技有限公司
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Try Eureka
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap