CN107491865A - The social credibility appraisal procedure and device of a kind of user - Google Patents
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Abstract
The invention discloses the social credibility appraisal procedure and device of a kind of user, to solve the problems, such as that prior art can not truly reflect user's social credibility.To achieve the above object, the inventive method comprises the following steps：The circle of friends of user to be assessed is built, circle of friends includes all relational users that user to be assessed has friends (including direct and indirect friends) in social platform.Confidence coefficient of the relational users to user to be assessed is set according to friends grade and intimate degree.Credit scoring model of the relational users to user to be assessed is obtained, is multiplied by confidence coefficient of the relational users to user to be assessed, obtains credit appraisal confidence values of the relational users to user to be assessed.Social credibility value using the average value of credit appraisal confidence values of all relational users in the circle of friends of user to be assessed to user to be assessed as user to be assessed.
Description
Technical field
The present invention relates to data assessment technical field, and in particular to the social credibility appraisal procedure and device of a kind of user.
Background technology
Social credibility is the important foundation stone of society and politics, economy, culture, is that individual (or tissue) plays the part of social role, hair
The necessary basis of social function is waved, the most important thing for the development that even more promotes social harmony.
The essence of credit is individual inherent psychological activity, but can reach judgement by the external behavior of individual and comment
Survey the purpose of individual social credibility.Existing social credit system it is more famous have FICO systems and our people's bank reference system
System and the sesame credit system of Ali system.FICO Score system, be the big Credit Bureau in the U.S. three (Equifax,
TransUnion and Experian) system all.Specifically, FICO Score main rating element is as follows：
1. history of breaking a contract (Payment history), weight 35%.It is related to past promise breaking record, such as cut-off house property
Be auctioned, dunned and (be such as in arrears with credit card to be demanded by debt collection company), fine (court sentence or settle out of court all calculate), it is personal
Go bankrupt (this country may not have), by because owing taxes by tax bureau's seizure of property (tax lien) etc..
2. debt burden (Debt Burden), weight 30%.This understands well, is exactly personal leverage, and you fall into debt and got over
More, scoring is lower.The specific algorithms of FICO are not announced, but credit card credit line utilization rate should be one of factor, than
As you for a long time all can only also minimum amount to pay and also in full every time, difference is certainly can be very big.
3. credit history (Length of credit history), weight 15%.It is exactly the time of your creditable record
The longer the better.This is very simple, and it is an ability to run long-distance running, and it is also ability to be always maintained at credit record.
4. credit species (Types of credit used), weight 10%.This might as well understand.Your used credit kind
Class is more (credit card, housing loan, consumption are borrowed, etc. etc.), illustrates that your financial knowledge is abundanter, that account in full every time, does not have to
Credit card, without the local tyrant of loan it is necessary to standing to lose.
5. new letter of application uses (Recent searches for credit), weight 10%.The process of letter of application, it is exactly
Improve the process of lever, such as the buying car that to buy house, be all to need to apply loan, be to need the credit to you when loan
Carry out one query.I.e. so-called hard pull.Application once, can detain certain fraction, credit score be caused once negative
Influence.(certainly, FICO contemplates you and needed from several different bank SEPARATE APPLICATION, and which loan of final decision is cheap,
Deduction of points is not often to look into once to detain once when short-term continuous hard pull, can be merged)
The core evaluation module of sesame credit system mainly includes 5 aspects：
1. identity characteristic (15%), including public security real-name authentication, identity information, information stability etc.；
2. credit history (35%), including credit card repayment history, micro- loan refund record, the payment of water power coal, penalty note etc.；
3. contractual capacity (20%), including payment account remaining sum, Yuebao remaining sum, car production information, house property information etc.；
4. relationship among persons (5%), including relation loop, circle of friends credit level, social influence power
5. Behavior preference (25%), including account liveness, hierarchy of consumption, payment level, consumption preferences etc.
As can be seen that existing social credit system (including Foreign Epidemic, People's Bank of China credit system, ant
The sesame credit of ant gold clothes) all it is that core index is used as to judge individual by the behavior of honouring an agreement in individual business transaction behavior
Credibility.Such evaluation method is neither objective nor science, more with the credit appraisal in our daily social life to people
(someone is by not reliable) is far apart.Because the social action of this social property of embodiment personal credit is not only shown
In the business transaction action process of people, it is embodied in the daily Social behaviors of people.For example, some individual one to
It is trustworthy, there is good public praise (being a reliable people) in his relatives and friends and colleague's circle, but can be because working numerous
Hurry and forget to give back a credit card debt, but his credit is may result according to existing such a behavior of credit system
By fatal damage.So existing credit investigation system is reliable
The measurement that major defect present in existing social credit system has been vacancy to the daily Social behaviors feature of individual,
So as to cause to the untrue, imperfect of individual reference evaluation result.Adopted to solve this problem it is necessary to design a set of information
Collection system, the system can collect the reference degree index of individual behavior of being honoured an agreement in business transaction behavior, and and can collects individual day
Credibility index in normal Social behaviors, both fusions, objective reality reflection individual integrity degree can be compared with regard to that can find
Index system.
The content of the invention
It is an object of the invention to provide the social credibility appraisal procedure and device of a kind of user, to solve prior art
The problem of user's social credibility can not truly be reflected.
To achieve the above object, the inventive method comprises the following steps：
A kind of social credibility appraisal procedure of user, including：
The circle of friends of user to be assessed is built, circle of friends includes user to be assessed has friends in social platform
Relational users.
Set confidence coefficient of the relational users to user to be assessed.
Relational users are obtained to the credit scoring model of user to be assessed, are multiplied by confidence of the relational users to user to be assessed
Coefficient, obtain credit appraisal confidence values of the relational users to user to be assessed.
By credit appraisal confidence values of all relational users in the circle of friends of user to be assessed to user to be assessed according to setting
Social credibility value of the statistical value that fixed statistical method is calculated as user to be assessed.
Further, relational users are to the confidence coefficient of user to be assessed, by the intimate of relational users and user to be assessed
Degree decision, including：
Default cohesion threshold value.
If the cohesion of relational users and user to be assessed are equal to cohesion threshold value, setting relational users are to user to be assessed
Confidence coefficient be 1.
If relational users and the cohesion of user to be assessed are more than cohesion threshold value, relational users are with user's to be assessed
Cohesion is higher, and relational users are lower to the confidence coefficient of user to be assessed.
If relational users and the cohesion of user to be assessed are less than cohesion threshold value, relational users are with user's to be assessed
Cohesion is lower, and relational users are lower to the confidence coefficient of user to be assessed.
Further, relational users and the cohesion of user to be assessed are relational users and use to be assessed in social platform
The interactive number at family.
Further, relational users are to the confidence coefficient of the user to be assessed, the relation use set by user to be assessed
The relationship level at family determines.
Further, credit scoring model includes but is not limited to candid degree evaluation index, enthusiasm degree evaluation index, social habit
Property evaluation index and behavior evaluation index of honouring an agreement.
The embodiment of the present invention additionally provides the social credibility apparatus for evaluating of user a kind of, including：
Social platform, for building the circle of friends of user to be assessed, circle of friends includes user to be assessed in social platform
Relational users with friends.
Relational users credit appraisal module, for setting confidence coefficient of the relational users to user to be assessed；It is additionally operable to obtain
Relational users are taken to the credit scoring model of user to be assessed, are multiplied by confidence coefficient of the relational users to user to be assessed, are obtained
Credit appraisal confidence values of the relational users to user to be assessed.
Social credibility value evaluation module, for by all relational users in the circle of friends of user to be assessed to user to be assessed
Credit appraisal confidence values according to social credibility value of the statistical value that the statistical method of setting is calculated as user to be assessed.
Further, relational users credit appraisal module, is additionally operable to：
Relational users and the cohesion of user to be assessed are obtained, and it is true according to relational users and the cohesion of user to be assessed
Determine confidence coefficient of the relational users to user to be assessed.
The inventive method has the following advantages that：
The embodiment of the present invention takes full advantage of the pass in social platform when carrying out social credibility assessment to user to be assessed
It is user, based on the evaluation of relational users, by setting certain confidence coefficient, it is raw in social activity has quantified user to be assessed
Credit level in work, social credibility assessment is carried out to user to be assessed from the angle of social activity, more truly reacted to be evaluated
Estimate the credit value in the daily Social behaviors of user, compensate for existing social credit system and lack to user's daily Social behaviors spy
Levy the deficiency of measurement.
Brief description of the drawings
The social credibility appraisal procedure flow chart that Fig. 1 embodiment of the present invention is provided.
The user friend to be assessed circle that Fig. 2 embodiment of the present invention proposes.
The social credibility apparatus for evaluating figure that Fig. 3 embodiment of the present invention proposes.
Embodiment
Following examples are used to illustrate the present invention, but are not limited to the scope of the present invention.
Embodiment 1
A kind of social credibility appraisal procedure of user, as shown in figure 1, including：
S1, the circle of friends of structure user to be assessed, circle of friends, which includes user to be assessed, in social platform there is friend to close
The relational users of system.Wherein friends includes direct friends and indirect friends.
S2, set confidence coefficient of the relational users to user to be assessed.
Relational users are obtained to the credit scoring model of user to be assessed, are multiplied by confidence of the relational users to user to be assessed
Coefficient, obtain credit appraisal confidence values of the relational users to user to be assessed.
S3, by credit appraisal confidence values of all relational users in the circle of friends of user to be assessed to user to be assessed according to
Social credibility value of the statistical value that the statistical method of setting is calculated as user to be assessed.It can be adopted in the embodiment of the present invention
Social credibility value of the average value of credit appraisal confidence values by the use of all relational users to user to be assessed as user to be assessed.
In the embodiment of the present invention 1, relational users are to the confidence coefficient of user to be assessed, by relational users and user to be assessed
Cohesion determine, including：
Default cohesion threshold value.
If the cohesion of relational users and user to be assessed are equal to cohesion threshold value, setting relational users are to user to be assessed
Confidence coefficient be 1.
If relational users and the cohesion of user to be assessed are more than cohesion threshold value, show relational users and use to be assessed
Family relation is very intimate, may be the relations such as kith and kin, bosom friend, as shown in Fig. 2 when therefore cohesion is more than cohesion threshold value, parent
Density is higher, may more over-evaluate the social credibility of user to be assessed, and confidence level reduces.Therefore in the embodiment of the present invention, setting：If
When relational users and the cohesion of user to be assessed are more than cohesion threshold value, relational users and the cohesion of user to be assessed are got over
Height, relational users are lower to the confidence coefficient of user to be assessed.
If relational users and the cohesion of user to be assessed are less than cohesion threshold value, show relational users and use to be assessed
Family relation is tended to strange, therefore relational users may not fully understand the social credibility of user to be assessed, therefore the relation
The evaluation confidence level of user reduces.Therefore in the embodiment of the present invention, setting：If relational users and the cohesion of user to be assessed are small
When cohesion threshold value, relational users are lower with the cohesion of user to be assessed, confidence system of the relational users to user to be assessed
Number is lower.
Wherein relational users and the cohesion of user to be assessed can be obtained using existing mode, such as can use qq
The calculation of cohesion in space obtains.And in the embodiment of the present invention, it is contemplated that in social platform, relation is more intimate
People's interaction number it is more, therefore relational users and the cohesion of user to be assessed can also be set as, be closed in social platform
It is the interactive number of user and user to be assessed.
Meanwhile relational users are to the confidence coefficient of the user to be assessed, the relation that can also be set by user to be assessed
The relationship level of user determines.Such as user to be assessed can set the relationship levels of relational users as bosom friend, good friend, friend,
Acquaintance etc..The wherein close friend such as bosom friend, good friend easily over-evaluates, and confidence coefficient can be set lower than to 1, regular friend
Evaluation can compare objective and fair, therefore confidence coefficient is set as 1, and the relationship level of acquaintance is relatively low, mutually understands few, ancient confidence
Coefficient is set at less than 1.
The actual conditions of social credibility are considered in the embodiment of the present invention, it is including but not limited to smooth to set credit scoring model
Really degree evaluation index, enthusiasm degree evaluation index, social habit evaluation index and behavior evaluation index of honouring an agreement.
In the embodiment of the present invention 1, set user one to be assessed and share n relational users, wherein i-th of relational users is treated
The confidence coefficient for assessing user is ki, kiMore than 0 and less than 1.Wherein i-th of relational users are commented the candid degree of user to be assessed
Valency index is C1i, i-th of relational users is C to the enthusiasm degree evaluation index of user to be assessed2i, i-th of relational users is to be evaluated
The social habit evaluation index for estimating user is C3i, i-th of relational users be to the behavior evaluation index of honouring an agreement of user to be assessed
C4i；Then the social credibility value of the user to be assessed is：
Wherein j=1~4.
Embodiment 2
The embodiment of the present invention additionally provides the social credibility apparatus for evaluating of user a kind of, as shown in figure 3, including：
Social platform, for building the circle of friends of user to be assessed, circle of friends includes user to be assessed in social platform
Relational users with friends.
Relational users credit appraisal module, for setting confidence coefficient of the relational users to user to be assessed；It is additionally operable to obtain
Relational users are taken to the credit scoring model of user to be assessed, are multiplied by confidence coefficient of the relational users to user to be assessed, are obtained
Credit appraisal confidence values of the relational users to user to be assessed.
Social credibility value evaluation module, for by all relational users in the circle of friends of user to be assessed to user to be assessed
Credit appraisal confidence values social credibility value of the average value as user to be assessed.
Further, relational users credit appraisal module, is additionally operable to：
Relational users and the cohesion of user to be assessed are obtained, and it is true according to relational users and the cohesion of user to be assessed
Determine confidence coefficient of the relational users to user to be assessed.
Embodiment 3
A kind of computer equipment, including memory, processor and storage can be run on a memory and on a processor
Computer program, realize following steps during computing device program：
The circle of friends of user to be assessed is built, circle of friends includes user to be assessed has friends in social platform
Relational users；
Set confidence coefficient of the relational users to user to be assessed；
Relational users are obtained to the credit scoring model of user to be assessed, are multiplied by confidence of the relational users to user to be assessed
Coefficient, obtain credit appraisal confidence values of the relational users to user to be assessed；
By being averaged for credit appraisal confidence values of all relational users in the circle of friends of user to be assessed to user to be assessed
It is worth the social credibility value as user to be assessed.
Embodiment 4
A kind of computer-readable recording medium, computer program is stored thereon with, when computer program is executed by processor
Realize following steps：
The circle of friends of user to be assessed is built, circle of friends includes user to be assessed has friends in social platform
Relational users；
Set confidence coefficient of the relational users to user to be assessed；
Relational users are obtained to the credit scoring model of user to be assessed, are multiplied by confidence of the relational users to user to be assessed
Coefficient, obtain credit appraisal confidence values of the relational users to user to be assessed；
By being averaged for credit appraisal confidence values of all relational users in the circle of friends of user to be assessed to user to be assessed
It is worth the social credibility value as user to be assessed.
Embodiment 5
The method that the embodiment of the present invention 5 proposes for embodiment 1 sets following scene and is illustrated：
Mr. Wang has 20 friends, is A, B, C ... T respectively, and they have been added in same social networks and put down
Platform (including PC ends and mobile terminal), the social platform provide social credibility evaluation system, it is desirable to 20 friends of Mr. Wang
Friend gives a mark to the credibility according to the form below of Mr. Wang respectively：
The relationship level of Mr. Wang and above-mentioned 20 friends are following, and (relationship level is divided into level Four：Bosom friend, good friend, friend
Friend and acquaintance)：
So, according to credibility (C) calculation formula, with regard to the circle of friends of Mr. Wang can be calculated to Mr. Wang doings
The evaluation number of credibility.
Although above with general explanation and specific embodiment, the present invention is described in detail, at this
On the basis of invention, it can be made some modifications or improvements, this will be apparent to those skilled in the art.Therefore,
These modifications or improvements without departing from theon the basis of the spirit of the present invention, belong to the scope of protection of present invention.
Claims (9)
- A kind of 1. social credibility appraisal procedure of user, it is characterised in that including：The circle of friends of user to be assessed is built, the circle of friends, which includes the user to be assessed, in social platform there is friend to close All relational users of system；Set confidence coefficient of the relational users to the user to be assessed；Credit scoring model of the relational users to the user to be assessed is obtained, is multiplied by the relational users to described to be evaluated Estimate the confidence coefficient of user, obtain credit appraisal confidence values of the relational users to the user to be assessed；All relational users in the circle of friends of the user to be assessed are pressed to the credit appraisal confidence values of the user to be assessed According to social credibility value of the statistical value that the statistical method of setting is calculated as the user to be assessed.
- 2. the method as described in claim 1, it is characterised in that confidence system of the relational users to the user to be assessed Number, is determined by the relational users and the cohesion of the user to be assessed, including：Default cohesion threshold value；If the relational users and the cohesion of the user to be assessed are equal to the cohesion threshold value, the relational users are set Confidence coefficient to the user to be assessed is 1；If the cohesion of the relational users and the user to be assessed are more than the cohesion threshold value, the relational users and The cohesion of the user to be assessed is higher, and the relational users are lower to the confidence coefficient of the user to be assessed；If the cohesion of the relational users and the user to be assessed are less than the cohesion threshold value, the relational users and The cohesion of the user to be assessed is lower, and the relational users are lower to the confidence coefficient of the user to be assessed.
- 3. method as claimed in claim 2, it is characterised in that the relational users and the cohesion of the user to be assessed For relational users described in social platform and the interactive number of the user to be assessed.
- 4. the method as described in claim 1, it is characterised in that confidence system of the relational users to the user to be assessed Number, determined by the relationship level of the relational users of user's setting to be assessed.
- 5. the method as described in claim 1, it is characterised in that the credit scoring model includes but is not limited to candid degree evaluation Index, enthusiasm degree evaluation index, social habit evaluation index and behavior evaluation index of honouring an agreement.
- A kind of 6. social credibility apparatus for evaluating of user, it is characterised in that including：Social platform, for building the circle of friends of user to be assessed, it is flat in social activity that the circle of friends includes the user to be assessed There are the relational users of friends in platform；Relational users credit appraisal module, for setting confidence coefficient of the relational users to the user to be assessed；Also use In obtaining the relational users to the credit scoring model of the user to be assessed, the relational users are multiplied by described to be assessed The confidence coefficient of user, obtain credit appraisal confidence values of the relational users to the user to be assessed；Social credibility value evaluation module, for by all relational users in the circle of friends of the user to be assessed to described to be assessed The credit appraisal confidence values of user are according to society of the statistical value that the statistical method of setting is calculated as the user to be assessed Can credit value.
- 7. device as claimed in claim 6, it is characterised in that the relational users credit appraisal module, be additionally operable to：The cohesion of the relational users and the user to be assessed is obtained, and according to the relational users and the use to be assessed The cohesion at family determines confidence coefficient of the relational users to the user to be assessed.
- 8. a kind of computer equipment, including memory, processor and storage can be run on a memory and on a processor Computer program, it is characterised in that realize following steps during the computing device described program：The circle of friends of user to be assessed is built, the circle of friends, which includes the user to be assessed, in social platform there is friend to close The relational users of system；Set confidence coefficient of the relational users to the user to be assessed；Credit scoring model of the relational users to the user to be assessed is obtained, is multiplied by the relational users to described to be evaluated Estimate the confidence coefficient of user, obtain credit appraisal confidence values of the relational users to the user to be assessed；By all relational users in the circle of friends of the user to be assessed to the credit appraisal confidence values of the user to be assessed Social credibility value of the average value as the user to be assessed.
- 9. a kind of computer-readable recording medium, is stored thereon with computer program, it is characterised in that the computer program quilt Following steps are realized during computing device：The circle of friends of user to be assessed is built, the circle of friends, which includes the user to be assessed, in social platform there is friend to close The relational users of system；Set confidence coefficient of the relational users to the user to be assessed；Credit scoring model of the relational users to the user to be assessed is obtained, is multiplied by the relational users to described to be evaluated Estimate the confidence coefficient of user, obtain credit appraisal confidence values of the relational users to the user to be assessed；By all relational users in the circle of friends of the user to be assessed to the credit appraisal confidence values of the user to be assessed Social credibility value of the average value as the user to be assessed.
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| CN109325662A (en) * | 2018-08-27 | 2019-02-12 | 杭州嘉楠耘智信息科技有限公司 | Credit recording method and system based on block chain |
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| CN110097457A (en) * | 2019-04-29 | 2019-08-06 | 上海掌门科技有限公司 | Information generating method, electronic equipment and computer-readable medium |
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| CN111242656A (en) * | 2018-11-28 | 2020-06-05 | 中国移动通信集团浙江有限公司 | User credit evaluation method and system based on telecommunication big data |
| CN113327170A (en) * | 2021-06-23 | 2021-08-31 | 陕西缘著科技有限公司 | Social software evaluation method and system, electronic device and storage medium |
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