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Business data processing model training method and business data processing method and device

A technology for business data and processing models, applied in data processing applications, character and pattern recognition, instruments, etc., and can solve problems such as overdue

Active Publication Date: 2020-03-24
南京星云数字技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Reasons for overdue emerge in endlessly: users overdue simply because they forgot, or due to a temporary shortage of funds, they are unable to repay but have a good willingness to repay, and some users have malicious fraudulent loans, etc.

Method used

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  • Business data processing model training method and business data processing method and device
  • Business data processing model training method and business data processing method and device
  • Business data processing model training method and business data processing method and device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0092] Such as figure 1 As shown, this embodiment provides a business data processing model training method, which belongs to the field of computer data processing, which acquires all the characteristics of the user in the early first time period and uses them as reference points for the calculation of independent variables, and in the later second time period Collect the performance of users in a segment, classify the users (good samples or bad samples) according to the number of overdue recall days and preset sample classification standards, and output them as models, which can transform complex and diverse problems into supervised learning The binary classification problem in , so as to simplify the problem, improve the accuracy of model training and reduce the difficulty of model training.

[0093] combine figure 1 As shown, the business data processing model training method at least includes the following steps:

[0094] S1. Obtain the user information samples of severa...

Embodiment 2

[0134] Such as image 3 As shown, this embodiment provides a business data processing method, which obtains the probability value of the user's expected non-repayment based on the historical characteristics of overdue users, and combines the overdue amount to classify users into different risk levels. Risk assessment and classification of overdue customers in order to provide data support for decision makers in the later stage.

[0135] combine image 3 As shown, the business data processing method at least includes the following steps:

[0136] S1'. Obtain the user information of the user to be tested in the first time period and the overdue amount in the second time period.

[0137] For the specific meanings of the user information, the first time period, and the second time period in this embodiment, please refer to the corresponding explanation of the first embodiment.

[0138] S2'. Input the user information into the pre-trained business data processing model to obtain...

Embodiment 3

[0158] In order to implement the business data processing model training method in the first embodiment above, this embodiment provides a business data processing model training device, Figure 4 A schematic structural diagram of the service data model training device.

[0159] Such as Figure 4 As shown, the business data model training device at least includes:

[0160] The first acquisition module: used to acquire user information samples of several overdue repayment samples in the first time period and the number of overdue recall days in the second time period;

[0161] The first extraction module: used to extract target input variables based on user information samples;

[0162] Classification module: used to classify users according to the number of overdue recall days and preset sample classification standards, and obtain user classification results;

[0163] Training module: used to train and obtain a business data processing model based on the first basic model with...

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Abstract

The invention discloses a business data processing model training method and a business data processing method and device, relates to the computer data processing field. The model training method at least comprises the steps of obtaining user information samples of a plurality of overdue repayment samples in a first time period and overdue urging days in a second time period, and extracting a target input variable based on the user information samples; classifying the users according to the overdue urging days to obtain a user classification result; and training by taking the target input variable as input and the user classification result as output to obtain a business data processing model. According to the business data processing model training method, the obtained sample data is comprehensive, and the accuracy of the model obtained through training is high; complex and diversified problems are converted into dichotomy problems in supervised learning, the problems are simplified,and the model training difficulty is reduced; according to the business data processing method based on the model, user risk level classification can be carried out for overdue customers under different conditions to provide data support for decision makers.

Description

technical field [0001] The invention relates to the field of computer data processing, in particular to a business data processing model training method, business data processing method and device. Background technique [0002] With the vigorous development of my country's consumer credit industry, various loan products such as credit cards, housing loans, auto loans, and consumer goods loans emerge in an endless stream. More and more lending institutions have joined this industry, including banks, small loan companies, Internet financial institutions, etc. Wait. Behind the continuous development of the consumer credit industry, there are also certain risk factors, one of which cannot be ignored is credit risk. [0003] The control of credit risk determines whether the credit industry can continue to prosper, whether the loan business can continue to develop, and whether the lending institution can survive. Risk control capability is the core competitiveness of a lending in...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06K9/62G06Q40/02
CPCG06Q10/0635G06Q40/03G06F18/2431
Inventor 王淑怡
Owner 南京星云数字技术有限公司
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