User credit behavior evaluation method and device and electronic equipment

A credit and behavioral technology, applied in data processing applications, sales/lease transactions, instruments, etc., can solve the problems of no user credit behavior evaluation, users' in-depth understanding of credit services and the value of credit behavior, etc., to improve cognition and the effect of credit

Pending Publication Date: 2019-07-19
ADVANCED NEW TECH CO LTD
View PDF3 Cites 2 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, in the existing technology, users do not have a deep understanding of the value of credit services and credit behaviors. The reason is that there is no reasonable and effective evaluation of user credit behaviors.

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
  • User credit behavior evaluation method and device and electronic equipment
  • User credit behavior evaluation method and device and electronic equipment
  • User credit behavior evaluation method and device and electronic equipment

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0035] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below in conjunction with the drawings in the embodiments of this specification. Obviously, the described The embodiments are only some of the embodiments in this specification, not all of them. Based on the embodiments in this specification, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the protection scope of this specification.

[0036] First, refer to figure 1 As shown, in the embodiment of this specification, user credit behaviors can be divided into five types of node behaviors, including: credit performance behavior, credit recognition behavior, credit usage behavior, credit level establishment behavior and credit relationship establishment behavior. A credit behavior can include o...

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 embodiment of the invention discloses a user credit behavior evaluation method and device and electronic equipment. The method comprises the steps of acquiring behavior data used for representinguser credit behavior characteristics; determining a first credit energy value corresponding to first behavior data belonging to performance credit behaviors in the behavior data based on a first credit risk assessment model; determining a second credit energy value corresponding to second behavior data belonging to non-performance credit behaviors in the behavior data based on a second credit riskassessment model, wherein the first credit energy value and / or the second credit energy value are / is used for evaluating the credit behavior of the user.

Description

technical field [0001] This specification relates to the technical field of computer software, and in particular to a user credit behavior evaluation method, device and electronic equipment. Background technique [0002] With the rapid development of Internet technology, users will be exposed to various network operations that exist in the form of the Internet in their lives and work, such as user behaviors such as renting shared bicycles, renting houses, and staying in hotels. In order to build a credit society, there are many credit behaviors in these user behaviors, mainly in the use of credit services and contract performance credit services. [0003] However, in the prior art, users do not have a deep understanding of credit services and the value generated by credit behaviors. The reason is that there is no reasonable and effective evaluation of users' credit behaviors. Contents of the invention [0004] The purpose of the embodiment of this specification is to prov...

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
IPC IPC(8): G06Q10/06G06Q30/06
CPCG06Q10/0635G06Q10/0639G06Q30/0609
Inventor 段丽莎柴笑晚鲁奕陈潇覃伟
Owner ADVANCED NEW TECH CO LTD
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