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Scoring card creation method and apparatus, and electronic device

A scoring card and binning technology, applied in the field of data analysis, can solve problems such as complicated operations

Pending Publication Date: 2021-01-15
中诚信征信有限公司
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  • Abstract
  • Description
  • Claims
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Problems solved by technology

However, the existing variable binning process requires engineers to repeat operations for each feature multiple times to determine a better variable binning process, and the operation is relatively complicated

Method used

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  • Scoring card creation method and apparatus, and electronic device
  • Scoring card creation method and apparatus, and electronic device
  • Scoring card creation method and apparatus, and electronic device

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Embodiment Construction

[0073] 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. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0074] Due to the cumbersome and complicated problem of creating a scorecard in the prior art, in order to solve this technical problem, the embodiments of the present invention provide a scorecard creation method, device and electronic equipment.

[0075] see figure 2 , a process for scorecard creation, including:

[0076] In step 201, the data of multiple sample features of multiple sample users is acquired, and the data of multiple sample features of each...

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Abstract

Embodiments of the invention provide a score card creation method and apparatus, and an electronic device. The method comprises the steps of obtaining data of a plurality of sample features of a plurality of sample users; for each sample feature, based on each feature value of the sample feature, training to obtain one or more regression trees corresponding to the sample feature; sorting the regression trees corresponding to the same sample feature according to the sequence of the feature values corresponding to the regression trees from small to large; determining the intersection of the numeric interval represented by the left leaf node of the sorted first regression tree, the numeric interval represented by the right leaf node of the sorted last regression tree and the numeric intervalrepresented by the two adjacent leaf nodes of the different regression trees as a target numeric interval; taking each target numerical value interval as a regression tree sub-box, and creating a score card comprising each regression tree sub-box. According to the method provided by the embodiment of the invention, the creation process of the score card is simplified.

Description

technical field [0001] The invention relates to the technical field of data analysis, in particular to a scoring card creation method, device and electronic equipment. Background technique [0002] At present, big data analysis technology is applied in various fields. For example: in the financial field, risk control can be achieved by analyzing user data. [0003] Specifically, financial institutions can conduct credit risk assessment on users through big data analysis of user attribute data and behavior data. At present, credit scoring is performed mainly through the created scorecard, using various attributes and behavioral data of users, such as attribute data such as age attribute, gender attribute, or income and expenditure, as well as behavioral data such as deposit and withdrawal or payment. . In this way, financial institutions can decide whether to grant credit to the user, the amount of credit and the interest rate according to the credit score of the user, the...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 张晓强
Owner 中诚信征信有限公司
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