Credit granting method and device for specific user, electronic equipment and storage medium
The invention discloses a credit granting method for a specific user. The method comprises the steps that third-party credit investigation data of the specific user and third-party credit investigation data of a common user are acquired respectively; respectively generating a sample data set of a sp...
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| creator | YAO KUN YANG BINGJIAO YIN XIA HONG JING |
| description | The invention discloses a credit granting method for a specific user. The method comprises the steps that third-party credit investigation data of the specific user and third-party credit investigation data of a common user are acquired respectively; respectively generating a sample data set of a specific user and a sample data set of a common user according to the third-party credit investigation data, and screening a sample subset reaching a similarity threshold from the sample data set of the common user by taking the sample data set of the specific user as a comparison object; training a model of the specific user based on the sample subset; and when a credit extension demand corresponding to the user type and the specific user is received for the first time, processing the credit extension demand according to the model. According to the invention, credit assessment can be carried out on a specific user accurately and comprehensively, a perfect credit assessment system is established, and risks are reduce |
| format | Patent |
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The method comprises the steps that third-party credit investigation data of the specific user and third-party credit investigation data of a common user are acquired respectively; respectively generating a sample data set of a specific user and a sample data set of a common user according to the third-party credit investigation data, and screening a sample subset reaching a similarity threshold from the sample data set of the common user by taking the sample data set of the specific user as a comparison object; training a model of the specific user based on the sample subset; and when a credit extension demand corresponding to the user type and the specific user is received for the first time, processing the credit extension demand according to the model. 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The method comprises the steps that third-party credit investigation data of the specific user and third-party credit investigation data of a common user are acquired respectively; respectively generating a sample data set of a specific user and a sample data set of a common user according to the third-party credit investigation data, and screening a sample subset reaching a similarity threshold from the sample data set of the common user by taking the sample data set of the specific user as a comparison object; training a model of the specific user based on the sample subset; and when a credit extension demand corresponding to the user type and the specific user is received for the first time, processing the credit extension demand according to the model. According to the invention, credit assessment can be carried out on a specific user accurately and comprehensively, a perfect credit assessment system is established, and risks are reduce</description><subject>CALCULATING</subject><subject>COMPUTING</subject><subject>COUNTING</subject><subject>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</subject><subject>ELECTRIC DIGITAL DATA PROCESSING</subject><subject>PHYSICS</subject><subject>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</subject><fulltext>true</fulltext><rsrctype>patent</rsrctype><creationdate>2023</creationdate><recordtype>patent</recordtype><sourceid>EVB</sourceid><recordid>eNqNjLsKwkAQRbexEPUfxl7B-EgvQbGyshTCsnuTDGQf7s76_QbxA6wuHM65c_VsEiwL9Ul7Yd-TgwzBkvaWLN5sQF1IlCMMd2yoZKQNYYSRFPwE8CocHbx8kywh6R7Ti-XilmrW6TFj9duFWl8vj-a2RQwtctQGHtI296qqj1W9O-3Ph3-cD5yNO7E</recordid><startdate>20230711</startdate><enddate>20230711</enddate><creator>YAO KUN</creator><creator>YANG BINGJIAO</creator><creator>YIN XIA</creator><creator>HONG JING</creator><scope>EVB</scope></search><sort><creationdate>20230711</creationdate><title>Credit granting method and device for specific user, electronic equipment and storage medium</title><author>YAO KUN ; YANG BINGJIAO ; YIN XIA ; HONG JING</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-epo_espacenet_CN116416052A3</frbrgroupid><rsrctype>patents</rsrctype><prefilter>patents</prefilter><language>chi ; eng</language><creationdate>2023</creationdate><topic>CALCULATING</topic><topic>COMPUTING</topic><topic>COUNTING</topic><topic>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</topic><topic>ELECTRIC DIGITAL DATA PROCESSING</topic><topic>PHYSICS</topic><topic>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</topic><toplevel>online_resources</toplevel><creatorcontrib>YAO KUN</creatorcontrib><creatorcontrib>YANG BINGJIAO</creatorcontrib><creatorcontrib>YIN XIA</creatorcontrib><creatorcontrib>HONG JING</creatorcontrib><collection>esp@cenet</collection></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext_linktorsrc</fulltext></delivery><addata><au>YAO KUN</au><au>YANG BINGJIAO</au><au>YIN XIA</au><au>HONG JING</au><format>patent</format><genre>patent</genre><ristype>GEN</ristype><title>Credit granting method and device for specific user, electronic equipment and storage medium</title><date>2023-07-11</date><risdate>2023</risdate><abstract>The invention discloses a credit granting method for a specific user. The method comprises the steps that third-party credit investigation data of the specific user and third-party credit investigation data of a common user are acquired respectively; respectively generating a sample data set of a specific user and a sample data set of a common user according to the third-party credit investigation data, and screening a sample subset reaching a similarity threshold from the sample data set of the common user by taking the sample data set of the specific user as a comparison object; training a model of the specific user based on the sample subset; and when a credit extension demand corresponding to the user type and the specific user is received for the first time, processing the credit extension demand according to the model. According to the invention, credit assessment can be carried out on a specific user accurately and comprehensively, a perfect credit assessment system is established, and risks are reduce</abstract><oa>free_for_read</oa></addata></record> |
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| language | chi ; eng |
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| subjects | CALCULATING COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES ELECTRIC DIGITAL DATA PROCESSING PHYSICS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR |
| title | Credit granting method and device for specific user, electronic equipment and storage medium |
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