CN108446849A - The appraisal procedure and its system of credit line, storage medium, electronic equipment - Google Patents
The appraisal procedure and its system of credit line, storage medium, electronic equipment Download PDFInfo
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Abstract
Present invention is disclosed the appraisal procedure of credit line and its system, storage medium, electronic equipments.The appraisal procedure of the credit line includes the following steps：Total amount, total amount and the last time buying of order of the user in real in historical period；User is clustered；The total amount for buying the first product within the recent period according to all users in each classification calculates amount of money mean value under each quantile of the category and the inadequate number of users of credit line, and configures weight coefficient；Form multiple quantile combinations；Calculate combination mean value under the combination of each quantile and the inadequate number of users accounting of corresponding credit line；Choose the quantile combination that accounting is less than combination mean value minimum in first threshold；Corresponding quantile during each classification is combined according to the quantile of selection calculates each user and buys the quantile amount of money in the amount of money maximum value of the first product within the recent period；The credit line of the first product is bought as user.
Description
Technical field
The present invention relates to a kind of appraisal procedure of credit line and its system, storage medium, electronic equipments.
Background technology
With the business development of online travel agency (such as taking journey), it is proposed more and more credit product services, and this
A little products depend on the credit system model of online travel agency's gradual perfection.Credit system model is mainly based upon online travel agency
And its user data of relevant company, wherein including user lodging, traffic, tourism and history credit etc. table
It is existing.Sincerity is divided to and credit line is most important two parts in credit system model.Only sincere point meets condition, and credit
Amount is enough, can just use credit product.
Online travel agency can be presented to one sincerity of user point according to each user.For example, sincerity is divided into 550 points or more
When can enjoy hotel and dodge and firmly service, that is, arrive cash pledge is exempted from shop, departure exempts to make the rounds of the wards, check out after the services such as withhold again；Sincerity is divided into 650
Point or more can enjoy WIFI lease exempt from the services such as cash pledge；Sincerity, which is divided into 710 points or more and can enjoy the country and hire a car, exempts from cash pledge etc.
Service.
In terms of credit line, the unified amount differentiation finally of initial amount also experienced.It is to dodge product
Example, at product initial stage, the amount dodged is unified value, on the one hand this amount meets need of the normal users to Hotel Products
It asks, on the other hand, has also sticked value label to user.Many users can be by the account information of oneself under the temptation of money
It is sold to earn interests, but this way causes great trouble for the risk control of online travel agency.Therefore, it is necessary to
It gives user configuration rational credit line, is reduced with this, avoids the above problem.
Invention content
For the defects in the prior art, the object of the present invention is to provide a kind of appraisal procedure of credit line and its it is
System, storage medium, electronic equipment can assess the credit line of customer consumption for a certain product, both meet normal
Demand of the user to product, but ensure meet consuming capacity usually to credit line.
A kind of appraisal procedure of credit line, the appraisal procedure of the credit line are provided according to an aspect of the present invention
Include the following steps：S10：The total amounts of all orders of each user in historical period, total amount and recently are obtained in real time
The single purchase time；S20：According to the total amount of all orders in the historical period got, total amount and nearest one
The secondary time buying clusters the condition of consumption of user；S30：According to all users in each classification after cluster in institute
The total amount for stating the first product of interior purchase of recent period after historical period, calculates the amount of money under each quantile of the category
The inadequate number of users of credit line under mean value and the amount of money mean value, and configure the weight coefficient of each classification；S40：Shape
It is combined at multiple quantiles, wherein each quantile combination in each classification by selecting under one quantile of a selection
Amount of money mean value be combined after formed；S50：Calculate the combination mean value and the combination mean value under each quantile combination
Accounting of the inadequate number of users of corresponding credit line in the total quantity of all users, wherein the combination mean value is
The summation of the product of the amount of money mean value and weight coefficient that are selected in each classification in the quantile combination；S60：Choose institute
State the accounting quantile combination minimum less than combination mean value described in first threshold；S70：Each classification according to
Chosen in the step S60 the quantile combination in corresponding quantile, calculate the category in each user in institute
State the quantile amount of money that the quantile of the correspondence in the amount of money maximum value of the first product is bought in the recent period；S80：It will be described point
The digit amount of money currently buys the credit line of the first product as the user in the category, for user's purchase first production
Product.
Preferably, further include following steps before the step S20：All in the historical period that gets are ordered
Single total amount, total amount and the last time buying is standardized.
Preferably, the condition of consumption of user is clustered using RFM models in the step S20, wherein the RFM
The clustering algorithm that model uses is K-means algorithms.
Preferably, the first threshold is 5%.
Preferably, further include following steps in the step S80：Rounding is carried out to the quantile amount of money being calculated
Processing, using the numerical value after rounding as the credit line of the first product of purchase of user.
Preferably, further include following steps before the step S10：Define a timing node；Wherein, the historical period
For institute's having time before the timing node, the recent period is one month after the timing node.
Preferably, the time in one month to two months before the timing node of definition is current time
Point.
According to another aspect of the present invention, a kind of assessment system of credit line is also provided, the credit line is commented
Estimating system includes：First data acquisition module, for obtain in real time all orders of each user in historical period total amount,
Total amount and the last time buying；Cluster module, for according to all orders in the historical period got
Total amount, total amount and the last time buying, the condition of consumption of user is clustered；First computing module, is used for
The total amount for buying the first product within the recent period according to all users in each classification after cluster, calculates the category
The inadequate number of users of the credit line under amount of money mean value and the amount of money mean value under each quantile；Composite module is used for
Form multiple quantile combinations, wherein each quantile combination is by selecting one quantile of a selection in each classification
Under amount of money mean value be combined after formed；Second computing module, it is equal for calculating the combination under each quantile combination
Accounting of the inadequate number of users of credit line in the total quantity of all users corresponding to value and the combination mean value,
In, the combination mean value is the product of the amount of money mean value and weight coefficient that are selected in each classification in quantile combination
Summation；Screening module, point position described in one minimum less than combination mean value described in first threshold for choosing the accounting
Array is closed；Third computing module, for corresponding in being combined according to the quantile of selection in each classification
Quantile, calculate the category in each user bought within the recent period correspondence in the amount of money maximum value of the first product should
The quantile amount of money of quantile；Credit line setup module, for the purchase first according to the quantile amount of money as user
The credit line of product.
According to a further aspect of the invention, a kind of computer readable storage medium is also provided, computer is stored thereon with
The step of program, which realizes the appraisal procedure of above-mentioned credit line when being executed by processor.
According to a further aspect of the invention, a kind of electronic equipment is also provided, including：Processor；And memory, it is used for
Store the executable instruction of the processor；Wherein, the processor is configured to execute via the executable instruction is executed
The step of appraisal procedure of above-mentioned credit line.
Compared with the prior art, the appraisal procedure of credit line provided in an embodiment of the present invention and system, storage medium,
Amount of money mean value under each quantile in electronic equipment by the way that the classification each clustered is clustered, calculated to user and should
The inadequate number of users of credit line under amount of money mean value is simultaneously combined, chooses the inadequate number of users of credit line and conform to
The quantile for the credit line minimum asked and given combines, is directed to the gold for calculating the first product of each user's purchase in the category again
The modes such as the quantile amount of money of the correspondence quantile in volume maximum value assess the credit of the first product of purchase of given user
Amount.The appraisal procedure of the credit line can not only meet the needs of normal users are to product, but also ensure that institute accords with to credit line
Close consuming capacity usually.Moreover it is possible to situations such as user is to account information sale be reduced, effectively to issuable risk
Prevented.
Description of the drawings
Upon reading the detailed description of non-limiting embodiments with reference to the following drawings, other feature of the invention,
Objects and advantages will become more apparent upon：
Fig. 1 is the flow chart of the appraisal procedure of the credit line of one embodiment of the present of invention；
Fig. 2 is the module composition schematic diagram of the assessment system of the credit line of one embodiment of the present of invention；
Fig. 3 is that the present invention discloses a kind of computer readable storage medium schematic diagram in exemplary embodiment；And
Fig. 4 is that the present invention discloses a kind of electronic equipment schematic diagram in exemplary embodiment.
Specific implementation mode
Example embodiment is described more fully with reference to the drawings.However, example embodiment can be with a variety of shapes
Formula is implemented, and is not understood as limited to embodiment set forth herein；On the contrary, thesing embodiments are provided so that the present invention will
Fully and completely, and by the design of example embodiment comprehensively it is communicated to those skilled in the art.It is identical attached in figure
Icon note indicates same or similar structure, thus will omit repetition thereof.
Described feature, structure or characteristic can be incorporated in one or more embodiments in any suitable manner
In.In the following description, many details are provided to fully understand embodiments of the present invention to provide.However,
One of ordinary skill in the art would recognize that without one or more in specific detail, or using other methods, constituent element, material
Material etc., can also put into practice technical scheme of the present invention.In some cases, be not shown in detail or describe known features, material or
Person operates to avoid the fuzzy present invention.
In addition, attached drawing is only the schematic illustrations of the disclosure, it is not necessarily drawn to scale.Identical attached drawing mark in figure
Note indicates same or similar part, thus will omit repetition thereof.Some block diagrams shown in attached drawing are work(
Energy entity, not necessarily must be corresponding with physically or logically independent entity.Software form may be used to realize these work(
Energy entity, or these functional entitys are realized in one or more hardware modules or integrated circuit, or at heterogeneous networks and/or place
These functional entitys are realized in reason device device and/or microcontroller device.
Purport design according to the present invention, a kind of appraisal procedure of credit line of the invention include the following steps：In real time
Obtain the total amount, total amount and the last time buying of all orders of each user in historical period；According to acquisition
Total amount, total amount and the last time buying of all orders in the historical period arrived, to the consumption shape of user
Condition is clustered；It is bought within the recent period after the historical period according to all users in each classification after cluster
The total amount of first product calculates the credit line under the amount of money mean value and the amount of money mean value under each quantile of the category
Inadequate number of users, and configure the weight coefficient of each classification；Form multiple quantile combinations, wherein divide position described in each
Array conjunction is formed by being selected in each classification after the amount of money mean value under one quantile of a selection is combined；Calculate each institute
State the inadequate number of users of credit line corresponding to quantile combination lower combination mean value and the combination mean value it is useful
Accounting in the total quantity at family, wherein the combination mean value is the gold being selected in each classification in quantile combination
The summation of volume mean value and the product of weight coefficient；Choose one of the accounting less than the minimum of combination mean value described in first threshold
The quantile combination；Corresponding quantile during each classification is combined according to the quantile of selection, calculating should
Each user buys point position of the correspondence quantile in the amount of money maximum value of the first product within the recent period in classification
The number amount of money；The credit line that the first product is currently bought using the quantile amount of money as the user in the category, for user
Buy first product.
The technology contents of the present invention are described further with reference to the accompanying drawings and examples.
Fig. 1 is referred to, it illustrates the flow charts of the appraisal procedure of the credit line of one embodiment of the present of invention.Specifically
For, the appraisal procedure of credit line of the invention is mainly used in certain credit product, comments the credit line of user
Estimate.It is mainly illustrated by taking the service of dodging that online travel agency (such as take journey etc.) provides as an example in following embodiment.Such as Fig. 1 institutes
Show, in an embodiment of the present invention, the appraisal procedure of the credit line includes the following steps：
Step S10：Total amount, the total amount and nearest one of all orders of each user in historical period are obtained in real time
The secondary time buying.Specifically, in embodiments of the present invention, further include following steps before the step S10：Define the time
Node.Wherein, the time point in one month to two months before the timing node of this definition can be current time.It is false
If the timing node chooses two months before current time, chosen (as clustered all orders below as model independent variable
Amount, subscribes number of days difference etc. at the order amount of money) time range, month time as dependent variable selection after the timing node
Range (such as and dodges relevant variable, determines the inadequate number of users of quantile amount), chooses one month as dependent variable
Range of observation is since product is from most of all within one month, the amount meeting at the end of product use that subscribes to period for using
Restore in time；It sets timing node to be within two months subsequent authentication model stability for convenience, current time can be chosen
The previous moon is the time range that the independent variable of verification collection is chosen, and timing node the latter moon is that the dependent variable of verification collection is chosen
Time range.Historical period is institute's having time before above-mentioned timing node, i.e., is to obtain each user upper in this step
The total amounts of all orders (such as all orders in some online travel agency) before stating timing node, total amount and recently
The single purchase time.More specifically, data can be carried out according to the proof of identification of each user by obtaining the mode of above-mentioned data
Acquisition.
Further, due between user there are various differences, such as corpse user (the low user of liveness) and active
The big user of user (the high user of liveness), the spending amount user low with spending amount, order volume big user and order
Measure small user.A variety of different users are different on the probability and the amount of money of purchase product, therefore, in this embodiment
In need to execute step S20.
Step S20：According to total amount, total amount and the last time of all orders in the historical period got
Time buying clusters the condition of consumption of user.Specifically, in an embodiment of the present invention, before the step S20
Further include following steps：To the total amount of all orders in the historical period that is got in the step S10, total amount and most
The nearly single purchase time is standardized.Wherein, the standardization of data can be in a manner of available data standardization
Any one of.Preferably, the condition of consumption of user is clustered using RFM models in the step S20.Wherein, described
The clustering algorithm that RFM models use is K-means algorithms.Below for after the service of dodging that line travel agency provides comes to cluster
Class of subscriber result illustrate：
Table 1
In the table 1 of the example above, order volume basis for estimation is the average value of order volume, and order amount of money basis for estimation is user
Order amount of money average value, the mean value of above-mentioned average value class users dimension thus embodies the consumption of this class users totality
Horizontal and consuming frequency.The last basis for estimation is that user's last time reservation number of days is poor.It is most to dodge crowd's basis for estimation
The user distribution of next two columns.
Step S30：It is purchased within the recent period after historical period according to all users in each classification after cluster
The total amount for buying the first product calculates the line of credit under the amount of money mean value and the amount of money mean value under each quantile of the category
Inadequate number of users is spent, and configures the weight coefficient of each classification.Specifically, in embodiments of the present invention, the first product
It is illustrated for dodging.The recent period is one month after above-mentioned timing node.The quantile that the step calculates can be with
Including 80 quantiles, 90 quantiles, 95 quantiles and 98 quantiles.Class users quantity accounts for overall user to weight coefficient thus
The ratio of quantity.It is illustrated below to the credit line under the amount of money mean value and the amount of money mean value under each quantile after calculating
Inadequate number of users is illustrated：
| Cluster classification | 80 quantiles | 90 quantiles | 95 quantiles | 98 quantiles | Weight coefficient |
| 1 | 480 | 717 | 988 | 1414 | 12% |
| 2 | 964 | 1425 | 1960 | 2842 | 60% |
| 3 | 1214 | 1789 | 2457 | 3516 | 28% |
Table 2
Table 3
In above-mentioned table 2 and table 3, by taking 95 quantiles as an example, 95 quantiles are 988 in classification 1, then can estimate when given
When the credit line that user under the category buys the first product (such as sudden strain of a muscle) is 988,95% purchase first can be met
The credit line of the user of product (such as sudden strain of a muscle) is enough.Correspondingly, the use of also 5% the first product of purchase (such as sudden strain of a muscle)
Family will appear the inadequate problem of credit line, and the user number corresponding to 5% is 1679.
Step S40：Form multiple quantile combinations.Wherein, each quantile combination in each classification by selecting
Amount of money mean value under one one quantile of selection is formed after being combined.Specifically, in conjunction with the table 2 and table 3 in the example above,
The amount of money mean value under different quantiles can be chosen in a classification of above three classification, selected with other two classification
Amount of money mean value under the one each quantile chosen is combined.For example, first kind user selects the amount of money under 90 quantiles equal
Value, the second class user select the amount of money mean value under 90 quantiles, the amount of money mean value (90-under third class user 98 quantiles of selection
90—98)；Or first kind user selects the amount of money mean value under 90 quantiles, the amount of money under the second class user 98 quantiles of selection
Mean value, third class user select the amount of money mean value (90-98-90) under 90 quantiles；In a manner mentioned above to all categories
Under each quantile under amount of money mean value be combined.
Step S50：Calculate the credit corresponding to the combination mean value and the combination mean value under each quantile combination
Accounting of the inadequate number of users of amount in the total quantity of all users.
Wherein, combination mean value is the weight of the amount of money mean value and the category that are selected in each classification in quantile combination
The sum of the product of coefficient；Accounting be corresponded in each classification above-mentioned amount of money mean value the inadequate number of users of credit line it
With the quotient with user's total number of persons.Specifically, by taking the combination illustrated in above-mentioned table 2 and table 3 and step S40 as an example：
When classification 1 takes 90 quantiles, classification 2 that 90 quantiles, classification 3 is taken to take 98 quantile：
Combine mean value=717*0.12+1425*0.6+3516*0.28=1925.52
Accounting=(3358+2363+1027)/108553=6.2%
When classification 1 takes 90 quantiles, classification 2 that 98 quantiles, classification 3 is taken to take 90 quantile：
Combine mean value=717*0.12+2842*0.6+1789*0.28=2292.16
Accounting=(3358+473+5134)/108553=8.3%
Below table can be obtained after calculating the combination of each quantile：
Table 4
Step S60：The accounting is chosen less than a quantile group for combining mean value minimum described in first threshold
It closes.Specifically, in order to realize that credit line had not only met the needs of normal users are to product, but also ensure that institute meets usually to amount
Consuming capacity, reduce user to account information sale situations such as, therefore, in embodiments of the present invention, the assessment of credit line
Central scope be the inadequate user of given credit line less and given credit line is fewer, then the assessment of the credit line
Better.And given credit line it is inadequate number of users it is fewer it is fewer with given credit line make contradictory, i.e., usually give
The more given credit line of credit line it is inadequate number of users it is fewer.In turn, in given credit in the embodiment of the present invention
Under the inadequate number of users controlled condition of amount, credit line is reduced to the greatest extent, it is therefore, small using the selection accounting in step S60
A minimum quantile combination of mean value is combined described in first threshold.Preferably, the first threshold is 5%.
Step S70：Each classification is according to corresponding in the quantile combination chosen in the step S60
Quantile calculates each user in the category and buys this point of position of correspondence in the amount of money maximum value of the first product within the recent period
Several quantile amount of money.Specifically, if directly by each classification according in the quantile combination chosen in above-mentioned steps S60
The corresponding amount of money mean value of each quantile is as credit line obviously nor rational.Since in each classification, different user
Consumption grade be also different, therefore, it should continue to segment.In turn, in order to according to the consumption grade of user in each classification
It is finely divided, therefore, corresponding quantile during each classification is combined according to the quantile of selection calculates each in the category
User buys the quantile amount of money of the correspondence quantile in the amount of money maximum value of the first product.As an example it is assumed that step S60
The quantile chosen is combined as：Classification 1 takes 90 quantiles, classification 2 that 90 quantiles, classification 3 is taken to take 98 quantiles.If to class
The quantile amount of money that each user buys each quantile of correspondence in the amount of money maximum value of the first product in other 1 is such as the following table 5
Table 5
It is then combined by the quantile chosen it is found that for classification 1, chooses 90 quantiles.In above-mentioned table 5, user's purchase
It refers to user in the amount of money maximum value for buying the first product in historical period to buy the first product value maximum value, and follow-up several row
(such as 90 quantile amount of money etc.) mean value user buys correspondence this point in the amount of money maximum value of the first product within the recent period
The quantile amount of money of digit can be obtained according to above-mentioned table 5 in turn：Exist if the user in classification 1 buys the first product value maximum value
Between 300-400, then its 90 quantile amount of money is 796；Exist if the user in classification 1 buys the first product value maximum value
Between 2200-2500, then its 90 quantile amount of money is 1716；User in classification 1 buys the first product value maximum value and exists
Between 2500-3000, then its 90 quantile amount of money is 1794.From the foregoing, it will be observed that being to be purchased according to user in classification 1 in this step
In each quantile for buying the amount of money maximum value of the first product, chooses in the quantile combination of above-mentioned steps S60 and correspond to the category
Quantile, calculate the value of the quantile as the quantile amount of money.
Step S80：Using the quantile amount of money as in the category user currently purchase the first product credit line,
So that user buys first product.Specifically, in an embodiment of the present invention, further include as follows in the step S80
Step：Rounding processing is carried out to the quantile amount of money being calculated, using the numerical value after rounding as the purchase first of user
The credit line of product.In conjunction with the citing in above-mentioned steps S70, the user in classification 1 buys the first product value maximum value and exists
Between 300-400, the 90 quantile amount of money are 796, then the credit line assessed can be 800；User's purchase the in classification 1
For one product value maximum value between 2500-3000, the 90 quantile amount of money are 1794, then the credit line assessed can be
2000。
In above-mentioned embodiment shown in FIG. 1, by gathering to user in the appraisal procedure of credit line of the invention
The credit line under amount of money mean value and the amount of money mean value under each quantile of classification that class, calculating each cluster is inadequate
Number of users is simultaneously combined, chooses point that the inadequate number of users of credit line meets the requirements and given credit line is minimum
Digit combination is directed to and calculates each user in the category and buy the correspondence quantile in the amount of money maximum value of the first product again
The modes such as the quantile amount of money assess the credit line of the first product of purchase of given user.The appraisal procedure of the credit line was both
Can meet the needs of normal users are to product, but ensure meet consuming capacity usually to credit line.Moreover it is possible to subtract
Situations such as few user is to account information sale, effectively prevents issuable risk.
Further, the present invention also provides a kind of assessment systems of credit line, for realizing above-mentioned credit line
Appraisal procedure.Specifically, Fig. 2 is referred to, it illustrates the moulds of the assessment system of the credit line of one embodiment of invention
Block constitutes schematic diagram.The assessment system of the credit line includes at least the first data acquisition module 1, cluster module 2, first is counted
Calculate module 3, composite module 4, the second computing module 5, screening module 6, third computing module 7 and credit line setup module 8.
Specifically, the first data acquisition module 1 for obtaining all orders of each user in historical period in real time
Total amount, total amount and the last time buying.
Cluster module 2 is used for according to the total amount of all orders in the historical period that gets, total amount and most
The nearly single purchase time, the condition of consumption of user is clustered.
First computing module 3 is used for recent after historical period according to all users in each classification after cluster
The total amount of the first product of purchase, calculates under the amount of money mean value and the amount of money mean value under each quantile of the category in period
The inadequate number of users of credit line.
Composite module 4 is used to form multiple quantile combinations.Wherein, each quantile combination is by each classification
In select under one quantile of a selection amount of money mean value be combined after formed.
Second computing module 5 be used to calculate the lower combination mean value and the combination mean value of each quantile combination it is right
Accounting of the inadequate number of users of the credit line answered in the total quantity of all users.Wherein, the combination mean value is described
The summation of the product of the amount of money mean value and weight coefficient that are selected in each classification in quantile combination.
Screening module 6 is used to choose the accounting less than point position described in one of the minimum of combination mean value described in first threshold
Array is closed.
Third computing module 7 is used for corresponding in being combined according to the quantile of selection in each classification
Quantile calculates each user in the category and buys this point of position of correspondence in the amount of money maximum value of the first product within the recent period
Several quantile amount of money.
Credit line setup module 8 is for the current credit of the first product of purchase according to the quantile amount of money as user
Amount.
In an exemplary embodiment of the disclosure, a kind of computer readable storage medium is additionally provided, meter is stored thereon with
Commenting for credit line described in any one above-mentioned embodiment may be implemented in calculation machine program, the program when being executed by such as processor
Estimate each step that control system and telephone traffic system execute in method.In some possible embodiments, of the invention each
Aspect is also implemented as a kind of form of program product comprising program code, when described program product on the terminal device
When operation, said program code is for making the terminal device execute the assessment of the above-mentioned credit line shown in FIG. 1 of this specification
Described in method part according to various illustrative embodiments of the invention the step of.
Refering to what is shown in Fig. 3, describing the program product for realizing the above method according to the embodiment of the present invention
300, portable compact disc read only memory (CD-ROM) may be used and include program code, and can in terminal device,
Such as it is run on PC.However, the program product of the present invention is without being limited thereto, in this document, readable storage medium storing program for executing can be with
To be any include or the tangible medium of storage program, the program can be commanded execution system, device either device use or
It is in connection.
The arbitrary combination of one or more readable mediums may be used in described program product.Readable medium can be readable letter
Number medium or readable storage medium storing program for executing.Readable storage medium storing program for executing for example can be but be not limited to electricity, magnetic, optical, electromagnetic, infrared ray or
System, device or the device of semiconductor, or the arbitrary above combination.The more specific example of readable storage medium storing program for executing is (non exhaustive
List) include：It is electrical connection, portable disc, hard disk, random access memory (RAM) with one or more conducting wires, read-only
Memory (ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc read only memory
(CD-ROM), light storage device, magnetic memory device or above-mentioned any appropriate combination.
The computer readable storage medium may include the data letter propagated in a base band or as a carrier wave part
Number, wherein carrying readable program code.Diversified forms, including but not limited to electromagnetism may be used in the data-signal of this propagation
Signal, optical signal or above-mentioned any appropriate combination.Readable storage medium storing program for executing can also be any other than readable storage medium storing program for executing
Readable medium, which can send, propagate either transmission for being used by instruction execution system, device or device or
Person's program in connection.The program code for including on readable storage medium storing program for executing can transmit with any suitable medium, packet
Include but be not limited to wireless, wired, optical cable, RF etc. or above-mentioned any appropriate combination.
It can be write with any combination of one or more programming languages for executing the program that operates of the present invention
Code, described program design language include object oriented program language-Java, C++ etc., further include conventional
Procedural programming language-such as " C " language or similar programming language.Program code can be fully in user
It executes on computing device, partly execute on a user device, being executed as an independent software package, partly in user's calculating
Upper side point is executed or is executed in remote computing device or server completely on a remote computing.It is being related to far
In the situation of journey computing device, remote computing device can pass through the network of any kind, including LAN (LAN) or wide area network
(WAN), it is connected to user calculating equipment, or, it may be connected to external computing device (such as utilize ISP
To be connected by internet).
In an exemplary embodiment of the disclosure, a kind of electronic equipment is also provided, which may include processor,
And the memory of the executable instruction for storing the processor.Wherein, the processor is configured to via described in execution
Executable instruction executes control system and traffic system in the appraisal procedure of credit line described in any one above-mentioned embodiment
Each step that system executes.
Person of ordinary skill in the field it is understood that various aspects of the invention can be implemented as system, method or
Program product.Therefore, various aspects of the invention can be embodied in the following forms, i.e.,：It is complete hardware embodiment, complete
The embodiment combined in terms of full Software Implementation (including firmware, microcode etc.) or hardware and software, can unite here
Referred to as circuit, " module " or " system ".
The electronic equipment 600 of this embodiment according to the present invention is described referring to Fig. 4.The electronics that Fig. 4 is shown
Equipment 600 is only an example, should not bring any restrictions to the function and use scope of the embodiment of the present invention.
As shown in figure 4, electronic equipment 600 is showed in the form of universal computing device.The component of electronic equipment 600 can wrap
It includes but is not limited to：At least one processing unit 610, at least one storage unit 620, (including the storage of connection different system component
Unit 620 and processing unit 610) bus 630, display unit 640 etc..
Wherein, the storage unit has program stored therein code, and said program code can be held by the processing unit 610
Row so that the processing unit 610 execute the above-mentioned credit line of this specification appraisal procedure part described according to this hair
The step of bright various illustrative embodiments.For example, the processing unit 610 can execute as shown in Figure 1 by control system
Each step that system and telephone traffic system are completed.
The storage unit 620 may include the readable medium of volatile memory cell form, such as random access memory
Unit (RAM) 6201 and/or cache memory unit 6202 can further include read-only memory unit (ROM) 6203.
The storage unit 620 can also include program/practicality work with one group of (at least one) program module 6205
Tool 6204, such program module 6205 include but not limited to：Operating system, one or more application program, other programs
Module and program data may include the realization of network environment in each or certain combination in these examples.
Bus 630 can be to indicate one or more in a few class bus structures, including storage unit bus or storage
Cell controller, peripheral bus, graphics acceleration port, processing unit use the arbitrary bus structures in a variety of bus structures
Local bus.
Electronic equipment 600 can also be with one or more external equipments 700 (such as keyboard, sensing equipment, bluetooth equipment
Deng) communication, can also be enabled a user to one or more equipment interact with the electronic equipment 600 communicate, and/or with make
Any equipment that the electronic equipment 600 can be communicated with one or more of the other computing device (such as router, modulation /demodulation
Device etc.) communication.This communication can be carried out by input/output (I/O) interface 650.Also, electronic equipment 600 can be with
By network adapter 660 and one or more network (such as LAN (LAN), wide area network (WAN) and/or public network,
Such as internet) communication.Network adapter 660 can be communicated by bus 630 with other modules of electronic equipment 600.It should
Understand, although not shown in the drawings, other hardware and/or software module can be used in conjunction with electronic equipment 600, including but it is unlimited
In：Microcode, device driver, redundant processing unit, external disk drive array, RAID system, tape drive and number
According to backup storage system etc..
Through the above description of the embodiments, those skilled in the art is it can be readily appreciated that example described herein is implemented
Mode can also be realized by software realization in such a way that software is in conjunction with necessary hardware.Therefore, according to the disclosure
The technical solution of embodiment can be expressed in the form of software products, the software product can be stored in one it is non-volatile
Property storage medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) in or network on, including some instructions are so that a calculating
Equipment (can be personal computer, server or network equipment etc.) executes the above-mentioned credit according to disclosure embodiment
The appraisal procedure of amount.
In conclusion the appraisal procedure and system of credit line provided in an embodiment of the present invention, storage medium, electronics are set
Amount of money mean value under each quantile and the amount of money in standby by the way that the classification each clustered is clustered, calculated to user is equal
The inadequate number of users of credit line under value and be combined, choose the inadequate number of users of credit line meet the requirements and to
The quantile combination of fixed credit line minimum is directed to the amount of money maximum for calculating the first product of each user's purchase in the category again
The modes such as the quantile amount of money of the correspondence quantile in value assess the credit line of the first product of purchase of given user.It should
The appraisal procedure of credit line can not only meet the needs of normal users are to product, but ensure meet usually to credit line
Consuming capacity.Moreover it is possible to reduce situations such as user is to account information sale, effectively issuable risk is carried out pre-
It is anti-.
Although the present invention is disclosed as above with alternative embodiment, it is not limited to the present invention.Belonging to the present invention
Those skilled in the art, without departing from the spirit and scope of the present invention, when various change and modification can be made.Therefore,
Protection scope of the present invention is subject to the range defined depending on claims.
Claims (10)
1. a kind of appraisal procedure of credit line, which is characterized in that the appraisal procedure of the credit line includes the following steps：
S10：When obtaining the total amount, total amount and the last purchase of all orders of each user in historical period in real time
Between；
S20：When according to the total amount of all orders in the historical period got, total amount and the last purchase
Between, the condition of consumption of user is clustered；
S30：Is bought within the recent period after the historical period according to all users in each classification after cluster
The total amount of one product calculates credit line under the amount of money mean value and the amount of money mean value under each quantile of the category not
Enough numbers of users, and configure the weight coefficient of each classification；
S40：Form multiple quantile combinations, wherein each quantile combination in each classification by selecting a selection one
Amount of money mean value under a quantile is formed after being combined；
S50：The credit line calculated corresponding to the combination mean value and the combination mean value under each quantile combination is inadequate
Accounting of the number of users in the total quantity of all users, wherein the combination mean value is each in quantile combination
The summation of the product of the amount of money mean value and weight coefficient that are selected in a classification；
S60：Choose the accounting quantile combination minimum less than combination mean value described in first threshold；
S70：Corresponding quantile during each classification is combined according to the quantile chosen in the step S60,
It calculates each user in the category and buys the correspondence quantile in the amount of money maximum value of the first product within the recent period
The quantile amount of money；
S80：The credit line that the first product is currently bought using the quantile amount of money as the user in the category, for user
Buy first product.
2. the appraisal procedure of credit line as described in claim 1, which is characterized in that further include before the step S20 as
Lower step：
To the total amount of all orders in the historical period that gets, total amount and the last time buying into rower
Quasi-ization processing.
3. the appraisal procedure of credit line as described in claim 1, which is characterized in that use RFM models in the step S20
The condition of consumption of user is clustered, wherein the clustering algorithm that the RFM models use is K-means algorithms.
4. the appraisal procedure of credit line as described in claim 1, which is characterized in that the first threshold is 5%.
5. the appraisal procedure of credit line as described in claim 1, which is characterized in that further include as follows in the step S80
Step：
Rounding processing is carried out to the quantile amount of money being calculated, is produced the numerical value after rounding as the purchase of user first
The credit line of product.
6. the appraisal procedure of credit line as described in claim 1, which is characterized in that further include before the step S10 as
Lower step：
Define a timing node；Wherein, the historical period is institute's having time before the timing node, the recent period
For one month after the timing node.
7. the appraisal procedure of credit line as claimed in claim 6, which is characterized in that the timing node of definition is current
A time point in one month to two months before time.
8. a kind of assessment system of credit line, which is characterized in that the assessment system of the credit line includes：
First data acquisition module, total amount, total amount for obtaining all orders of each user in historical period in real time
And the last time buying；
Cluster module, for total amount, the total amount and nearest one according to all orders in the historical period got
The secondary time buying clusters the condition of consumption of user；
First computing module, for buying the first product within the recent period according to all users in each classification after cluster
Total amount, calculate the inadequate use of credit line under the amount of money mean value and the amount of money mean value under each quantile of the category
Amount amount；
Composite module is used to form multiple quantile combinations, wherein each quantile combination in each classification by selecting
Amount of money mean value under one one quantile of selection is formed after being combined；
Second computing module, for calculating corresponding to the combination mean value and the combination mean value under each quantile combination
Accounting of the inadequate number of users of credit line in the total quantity of all users, wherein the combination mean value divides position to be described
The summation of the product of the amount of money mean value and weight coefficient that are selected in each classification during array is closed；
Screening module, for choosing the accounting less than a quantile group for combining mean value minimum described in first threshold
It closes；
Third computing module, for corresponding point of position in being combined according to the quantile of selection in each classification
Number calculates each user in the category and buys this point of position of correspondence in the amount of money maximum value of the first product within the recent period
Several quantile amount of money；
Credit line setup module, for the credit line according to the quantile amount of money as the first product of purchase of user.
9. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the program is held by processor
The step of appraisal procedure of the credit line described in any one of claim 1 to 7 is realized when row.
10. a kind of electronic equipment, which is characterized in that including：
Processor；And
Memory, the executable instruction for storing the processor；
Wherein, the processor is configured to come described in any one of perform claim requirement 1 to 7 via the execution executable instruction
Credit line appraisal procedure the step of.
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Application publication date: 20180824 |