Merchant classification model construction and merchant classification method, device and equipment

Abstract

A method, device and equipment for constructing a merchant classification model and merchant classification are disclosed. A method for constructing a merchant classification model includes obtaininga plurality of merchant samples, wherein each merchant sample includes historical transaction information and business model type of that merchant; extracting eigenvectors of each merchant sample; themerchant classification model being trained by a machine learning algorithm according to the business model types of several merchant samples and the extracted eigenvectors. A merchant classificationmethod based on the merchant classification model comprises the following steps: acquiring historical transaction information of the merchant to be classified; extracting a feature vector of the merchant to be classified; the extracted feature vector of the merchant to be classified being input to the merchant classification model to predict the business mode type of the merchant to be classified.

Description

technical field [0001] The embodiments of this specification relate to the field of Internet application technology, and in particular to a merchant classification model construction and merchant classification method, device and equipment. Background technique [0002] With the continuous development and application of machine learning and data mining technology, it is possible to analyze and classify merchant business models through merchant business information, such as chain store model, online transaction model, individual convenience store model, etc., so as to correspond to risk control etc. However, for some merchants, especially indirect merchants, if their registration information or capital account is missing, it is difficult to determine the registered business place or capital active place of the merchant. Therefore, it is currently seldom to combine the merchant's business area information with other merchants' business information , to classify merchants. ...

AI Technical Summary

Problems solved by technology

However, for some merchants, especially indirect merchants, if their registration information or capital account is missing, it is difficult to determine the registered business place or capital active place of the merchant. Therefore, it is currently seldom to combine the merchant's business area information with other merchants' business information , to classify merchants

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