Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

User credit score prediction method and related equipment

A technology of credit scoring and prediction methods, applied in the field of data processing, which can solve the problems of less training data and low accuracy of model credit score prediction, and achieve the effect of accurate credit score prediction

Pending Publication Date: 2021-12-03
BANK OF CHINA
View PDF0 Cites 0 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, although the bank has a large amount of historical user data, due to the rapid development of the bank's current financial business and the variety of types, there are few training data that can be directly used to build a credit scoring model. Whether it is directly using historical user data Or use a small amount of new business data to construct a credit score prediction model. The accuracy of the constructed model for credit score prediction is not high

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 score prediction method and related equipment
  • User credit score prediction method and related equipment
  • User credit score prediction method and related equipment

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0038] Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided for more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0039] Such as figure 1 As shown, a schematic flow chart of an implementation of a user credit score prediction method provided by an embodiment of the present disclosure, the user credit score prediction method includes:

[0040] S100. Obtain an initial source domain data set and a target domain data set, wherein the initial source domain data set includes at least one source domain user initial data, the target domain data set in...

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 invention discloses a user credit score prediction method and related equipment which can be applied to the field of artificial intelligence and the field of finance. The user credit score prediction method comprises the following steps: performing feature fusion on source domain user initial data and target domain user data by using a preset domain adaptive algorithm to obtain a to-be-trained source domain data set, wherein the to-be-trained source domain data set comprises source domain user target data corresponding to the source domain user initial data; acquiring a target user credit score prediction model by using the source domain user target data and the target domain user data; and acquiring a user credit score prediction result corresponding to the target user data through the target user credit score prediction model. According to the invention, the feature fusion is carried out on the data of the source domain and the target domain through the preset domain adaptive algorithm, and knowledge migration between the data of different domains is realized, so that the credit score prediction of the trained target user credit score prediction model on the target user data is more accurate.

Description

technical field [0001] The present disclosure relates to the field of data processing, in particular to a user credit score prediction method and related equipment. Background technique [0002] With the vigorous development of Internet technology in the financial industry, Internet financial services have been widely used. For Internet financial services, customer credit scores are an important prerequisite for banks and other financial institutions to conduct business smoothly. [0003] However, although the bank has a large amount of historical user data, due to the rapid development of the bank's current financial business and the variety of types, there is less training data that can be directly used to build a credit scoring model. Whether it is directly using historical user data Or use a small amount of new business data to construct a credit score prediction model, and the accuracy of the constructed model for credit score prediction is not high. Contents of the ...

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
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/04G06Q10/06G06Q40/02G06N3/04G06N3/08G06N20/00
CPCG06Q10/04G06Q10/06393G06N3/08G06N20/00G06N3/045G06Q40/03
Inventor 徐梓丞黄康杨晓明
Owner BANK OF CHINA
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products