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Algorithm for counting credit scores through behaviors recorded by system

A system record and credit technology, applied in calculation, data processing applications, instruments, etc., can solve problems such as the inability to ensure the accuracy of calculation results and the easy loss of score data, so as to facilitate location and search, ensure comprehensiveness of records, and ensure accuracy sexual effect

Pending Publication Date: 2020-04-07
上海众商网络科技有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The purpose of the present invention is to solve the shortcomings of the prior art that the score data of personal credit sub-item records are easily lost, and the accuracy of the calculation results cannot be ensured, and a kind of statistical credit score through the behavior of system records is proposed Algorithm

Method used

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  • Algorithm for counting credit scores through behaviors recorded by system
  • Algorithm for counting credit scores through behaviors recorded by system
  • Algorithm for counting credit scores through behaviors recorded by system

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Embodiment Construction

[0046] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention.

[0047] like Figure 1-Figure 4 As shown, an algorithm for counting credit scores through the behavior recorded by the system, including: the acquisition of basic credit scores, the sub-item statistics of credit scores, and the calculation of comprehensive credit scores;

[0048] The acquisition of the basic credit score is used to collect the basic credit score in the basic sub-items of personal credit, use the basic credit score as the comparison data for the calculation and comparison of the comprehensive credit score, and provide the original information for the analysis of the results of the comprehensive personal credit score. in accordance with;

[0049] The s...

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Abstract

The invention discloses an algorithm for counting credit scores through behaviors recorded by a system. The algorithm comprises the steps of obtaining basic credit scores, counting credit score subitems and calculating comprehensive credit scores. The acquisition of the basic credit scores is used for acquiring a basic credit score in personal credit basic sub-items. The sub-item statistics of the credit scores is used for carrying out statistics on real-time score data of all credit sub-items in the aspect of personal work, and the calculation of the comprehensive credit score is used for carrying out accurate calculation on score data in all credit sub-items of a person. A behavior mode of system recording is adopted so that the scores of the personal credit related subitems can be systematically recorded, the phenomenon that the scores of the personal credit subitems are lost is avoided, meanwhile, in combination with a secondary verification mode, the abnormality of score calculation can be found and marked in time, the abnormal condition is fed back in time, and subsequent positioning and searching of score data are facilitated.

Description

technical field [0001] The invention relates to the technical field of credit score calculation, in particular to an algorithm for counting credit scores through behaviors recorded by a system. Background technique [0002] Personal credit scores mainly use rating models and mathematical formulas to summarize information from different channels and people's credit history and express them in the form of scores. Using FICO's evaluation tools can accurately predict the future credit status of borrowers. It gives People evaluate the score from 300 to 1000. The higher the score, the better the credit, and vice versa. The main factors considered by the rating company when calculating the score of the buyer are the late payment of the borrower, the time of credit establishment, and the reliability of the loan. Credit obtained compared to credit used, time lived at current address, negative credit information such as bankruptcy, write-offs, etc. [0003] In order to obtain the com...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q30/06G06Q40/02
CPCG06Q10/06393G06Q30/0609G06Q40/03
Inventor 侯小明
Owner 上海众商网络科技有限公司
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