CN109195151B - Credit investigation calculation method and credit investigation calculation platform based on national diffusion service - Google Patents
Credit investigation calculation method and credit investigation calculation platform based on national diffusion service Download PDFInfo
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Abstract
The invention provides a credit investigation calculation method based on a national diffusion service. The credit investigation calculation method based on the national diffusion service comprises the steps of counting the times of international roaming of a user in a fixed time period, counting the refusal rate, the call completing rate and the calling occurrence times of the user in the overseas roaming in the fixed time period, and calculating the credit investigation evaluation score of the user according to the international roaming times, the call completing rate, the refusal rate and the calling occurrence times in the fixed time period, compared with the prior art, the method provides a brand-new personal credit investigation calculation method, does not depend on historical consumption record data of the user, evaluates the personal credit investigation of the user based on the call condition of the user in the overseas roaming, thereby expanding the category of credit investigation data and enabling the credit investigation evaluation of the user to be more comprehensive; in addition, the problem of counterfeit consumption history record data when the user consumption history record is used for calculating credit investigation of the user in the prior art is solved, so that the calculated personal credit investigation estimated value is more reliable.
Description
Technical Field
The invention relates to the technical field of communication, in particular to a credit investigation calculation method and a credit investigation calculation platform based on a national diffusion service.
Background
At present, the development of internet finance is very rapid, the internet finance becomes a new high point in the financial field, and compared with the new high point, the current credit construction is obviously lagged. The development of internet finance puts forward new requirements on the construction of personal credit in China, and the construction of strengthening the personal credit is urgent. In the internet era, various sophisticated internet technologies are emerging. Some emerging internet enterprises break through the traditional thinking and follow the trend of the times, apply the big data and cloud computing technology to the field of personal credit investigation, and realize the credit investigation of the big data of the internet.
In the current popular credit investigation system, consumption financial history transaction records are main reference data, and the consumption financial records are helpful for people to evaluate the credibility of consumers from a positive perspective; however, in negative terms, the following problems still exist in the current calculation of credit investigation values of users based on consumption history transaction records: (1) the credit investigation data scope is too narrow, the current credit investigation system construction has been expanded to a plurality of scopes of economy and social life, the related credit information comprises the aspects of the aspects, and the existing credit investigation method is usually limited to the historical consumption data of the user and is not comprehensive enough; (2) the consumption data is true and false and is difficult to distinguish, the existing internet credit investigation method is usually limited to the consumption behavior of the user, the data is easy to be counterfeited through false transaction, and the credit investigation result is directly inaccurate.
Disclosure of Invention
The invention aims to solve at least one of technical problems in the prior art, and provides a credit investigation calculation method and a credit investigation calculation platform based on a national diffusion service, which are used for solving the problems that the credit investigation is calculated based on consumption historical transaction records in the prior art, the scope of credit investigation data is too narrow, and the data records are easy to counterfeit.
In order to solve the technical problem, the invention provides a credit investigation calculation method based on a national diffusion service, which comprises the following steps:
counting the times of international roaming of a user in a fixed time period;
counting the called occurrence times, the user hang-up times and the user connection times of the user roaming out of the country in the fixed time period, generating the rejection rate of the user according to the user hang-up times and the called occurrence times and generating the connection rate according to the user connection times and the called occurrence times;
counting the number of times of calling when the user roams abroad in the fixed time period;
and generating a credit assessment score of the user according to the times of international roaming, the rejection rate, the call completing rate and the times of calling.
Preferably, before counting the number of times of international roaming of the user in a fixed time period, the method further includes:
acquiring location updating information of a user, which is subjected to location updating in an overseas network, from a national diffusion signaling gateway according to a user number, wherein the location updating information comprises: the position updating occurrence time and the signaling process data of the calling and called users;
the counting of the times of the international roaming of the user in the fixed time period comprises the following steps: counting the times of international roaming according to the position updating occurrence time in the position updating information;
the counting of the called occurrence times, the user hang-up times and the user connection times of the user roaming outdoors in the fixed time period comprises the following steps: counting the number of times of the called party, the number of times of the user hanging up and the number of times of the user connecting according to the signaling process data of the user calling and the user called in the position updating information;
counting the number of times of caller occurrence when the user roams abroad within the fixed time period comprises: and counting the number of times of the calling according to the signaling process data of the calling and the called of the user in the position updating information.
Preferably, the generating the rejection rate of the user according to the hang-up times and the called occurrence times of the user comprises: calculating the rejection rate according to a formula of R-y/x, wherein R represents the rejection rate, y represents the number of times of hanging up of the user, and x represents the number of times of occurrence of the called party;
the generating of the call completing rate according to the user call completing times and the called occurrence times comprises the following steps: and calculating the call completing rate by the formula A-z/x, wherein A represents the call completing rate, z represents the number of times of user connection, and x represents the number of times of occurrence of called party.
Preferably, the generating a credit assessment score of the user according to the number of times of occurrence of international roaming, the denial of service rate, the call completing rate and the number of times of occurrence of the calling party includes:
calculating the times of international roaming, the rejection rate, the call completing rate and the calling occurrence times through a formula V ═ T × min (P, m) + alpha × A + beta × min (K, n) -gamma R, and further obtaining the credit investigation evaluation score of the user;
wherein, V represents credit investigation evaluation score of user, T represents preset score of user roaming once when the user leaves, P represents number of times of international roaming of user in the fixed time period, m represents preset capping value of number of times of user roaming when the user leaves in the fixed time period, A represents call completing rate, alpha represents weight of preset call completing rate in calculating credit investigation score of user, K represents number of calling times, n is preset capping value of number of times of calling and scoring of user, R represents rejection rate, and gamma represents weight of user rejection rate in calculating credit investigation score of user.
The invention also provides a credit investigation computing platform based on the national diffusion service, which comprises the following steps:
the first statistic module is used for counting the times of international roaming of a user in a fixed time period;
the second statistical module is used for counting the called occurrence frequency, the user hang-up frequency and the user connection frequency of the user when the user roams abroad in the fixed time period and counting the calling occurrence frequency of the user when the user roams abroad in the fixed time period;
the first generation module is used for generating the rejection rate of the user according to the hang-up times of the user and the occurrence times of the called party and generating the call-in rate according to the call-in times of the user and the occurrence times of the called party;
and the second generation module generates credit assessment scores of the users according to the times of international roaming, the rejection rate, the call completing rate and the times of calling.
Preferably, the credit investigation computing platform based on the national diffusion service further comprises:
a national gateway for signaling, configured to provide location update information for a user to perform a location update in an outbound network, where the location update information includes: the position updating occurrence time and the signaling process data of the calling party and the called party of the user.
Preferably, the first statistics module is configured to count the number of times of international roaming according to location update occurrence time in the location update information;
the second statistical module is used for counting the called occurrence times, the user hang-up times, the user connection times and the calling occurrence times of the user in the fixed time period according to the signaling process data of the user calling and the user called in the position updating information.
Preferably, the first generating module is configured to calculate the rejection rate according to a formula R ═ y/x, where R denotes the rejection rate, y denotes the number of times the user hangs up, and x denotes the number of times the called party occurs;
the first generation module is further configured to calculate the call completing rate according to a formula R ═ z/x, where a represents the call completing rate, z represents the number of times the user is connected, and x represents the number of times the call is generated.
Preferably, the second generating module is configured to calculate the number of times of occurrence of international roaming, the denial of call rate, the call completion rate, and the number of times of occurrence of the caller according to a formula V ═ T × min (P, m) + α × a + β × min (K, n) - γ × R, so as to obtain a credit investigation evaluation score of the user;
wherein, V represents credit assessment score of user, T represents score of user's roaming once when it leaves, P represents number of times of international roaming, m represents capping value of number of times of leaving roaming, A
The call completing rate is represented, alpha represents the weight of the preset call completing rate in calculating the credit assessment score of the user, K represents the number of calling times, n is the preset capping value of the number of calling plus scoring times of the user, R represents the rejection rate, and gamma represents the weight of the rejection rate in calculating the credit assessment score of the user.
The invention has the technical effects that: the application provides a brand-new personal credit investigation calculation method, which does not depend on historical consumption record data of a user, but evaluates the personal credit investigation of the user based on the call condition of the user when roaming abroad, thereby expanding the category of credit investigation data and enabling the credit investigation evaluation of the user to be more comprehensive; in addition, the problem of counterfeit consumption history record data when the user consumption history record is used for calculating credit investigation of the user in the prior art is solved, so that the calculated personal credit investigation estimated value is more reliable.
Drawings
FIG. 1 is a schematic view; the invention provides a flow chart of a credit investigation calculation method based on a national diffusion service in a first embodiment;
FIG. 2 is a schematic view; a flowchart of a credit investigation calculation method based on a national diffusion service provided by a second embodiment of the invention;
FIG. 3 is a schematic view; the third embodiment of the present invention provides a schematic structural diagram of a credit investigation computing platform based on a national diffusion service.
Detailed Description
In order to make those skilled in the art better understand the technical solution of the present invention, the detailed description of the credit investigation method and the credit investigation platform based on the national diffusion service provided by the present invention is provided below with reference to the accompanying drawings.
Example one
Fig. 1 is a flowchart of a credit investigation calculation method based on a national diffusion service according to an embodiment of the present invention. As shown in fig. 1, the credit investigation calculation method based on the national diffusion service includes:
And 102, counting the called times, the user hang-up times and the user connection times of the user roaming abroad in the fixed time period, generating the rejection rate of the user according to the user hang-up times and the called times and generating the connection rate according to the user connection times and the called times.
And 103, counting the number of times of calling when the user roams abroad in the fixed time period.
And step 104, generating credit assessment scores of the users according to the times of international roaming, the rejection rate, the call completing rate and the times of calling.
In the embodiment, the credit investigation calculation method based on the national diffusion service comprises the steps of counting the times of international roaming of a user in a fixed time period, counting the denial of service rate, the call completing rate and the call occurrence times of the user in the overseas roaming in the fixed time period, and calculating the credit investigation evaluation score of the user according to the times of the international roaming, the call completing rate, the denial of service rate and the call occurrence times in the fixed time period, compared with the prior art, the method provides a brand-new personal credit investigation calculation method, the method does not depend on historical consumption record data of the user, but evaluates the personal credit investigation of the user based on the call condition of the user in the overseas roaming, so that the category of credit investigation data is expanded, and the credit investigation evaluation of the user is more comprehensive; in addition, the problem of counterfeit consumption history record data when the user consumption history record is used for calculating credit investigation of the user in the prior art is solved, so that the calculated personal credit investigation estimated value is more reliable.
Example two
Fig. 2 is a flowchart of a credit investigation calculation method based on the national diffusion service according to a second embodiment of the present invention. As shown in fig. 2, the credit investigation calculation method based on the national diffusion service includes:
The national diffuse signaling gateway stores a series of location updating occurrence time when the user performs location updating on the overseas network, and the location updating occurrence time records the moving track of the user overseas. The embodiment counts the number of times of international roaming of the user in a fixed time period according to the location update occurrence time stored in the national roaming signaling gateway.
Specifically, the fixed time period is in years, e.g., from 2017-1-1 to 2018-1-1; searching a series of position updating occurrence time of the user recorded on the national diffuse signaling gateway in the fixed time period, and recording as a set { t }1,t2,…tjWherein j is an arbitrary integer; judging the occurrence time of the series of location updates to count the number of times of international roaming of the user in the time period, wherein the specific judging process is as follows:
reading a location update occurrence time tiJudging the occurrence time of the position update and the next ti+1Whether the time interval between the two positions is greater than or equal to a preset time interval value D or not is judged, and if the time interval between the two positions is greater than or equal to the preset time interval value D, the two positions of the user are indicatedThe new occurrence time is long and the user has finished one international roaming and started a second international roaming, i.e. the user is at tiInternational roaming occurs at time ti+1The time has ended, so t will beiCounting the occurrence time t of the international roaming of the user in the time period and continuing to update the next positioni+1Judging; if the time interval is less than D, the time interval of the two position updating occurrence times of the user is shorter, and the user is at tiThe international roaming generated at that moment is up to ti+1The moment is not finished yet, so that the position updating occurrence time t is continuously acquiredi+2Judgment of ti+1And ti+2The time interval between the two steps is analogized in turn until a certain position update occurrence time t is foundi+xWhich satisfies ti+x-1 and ti+xThe time interval between is greater than D, the user is more in position for time tiInternational roaming occurred by the occurrence time t of location updatei+xEnd, therefore, the statistical location update occurrence time ti～ti+x-1For an international roaming and continue to update the next location by time ti+xAnd (6) judging.
The preset time interval value D may be set according to actual needs, for example, 24 hours, 36 hours, 72 hours, and the like.
Set of pairs t according to the procedure described above1,t2,…tjAnd judging the occurrence time of all the position updates in the position information, namely counting the international roaming times of the user in the fixed time period.
In this step, the number of times of the called party, the number of times of the user hanging up, and the number of times of the user connecting are counted according to the signaling process data of the user calling and called parties in the location updating information.
Specifically, the rejection rate is calculated by a formula R ═ y/x, where R denotes the rejection rate, y denotes the number of times the user has hung up, and x denotes the number of times the call has occurred.
The call completing rate is calculated by the formula of Z/x, wherein A represents the call completing rate, z represents the number of times of user connection, and x represents the number of times of occurrence of the called party.
And 204, counting the number of times of calling when the user roams abroad in the fixed time period.
In this step, the number of times of occurrence of the calling party is counted according to the signaling process data of the calling party and the called party of the user in the location updating information.
And step 205, generating a credit investigation evaluation score of the user according to the times of the international roaming, the rejection rate, the call completing rate and the calling times.
In this embodiment, the credit assessment score of the user is calculated according to the formula V ═ T × min (P, m) + α × a + β × min (K, n) - γ × R.
V represents credit investigation evaluation score of the user, T represents preset score of the user when the user roams once when the user leaves the country, P represents number of times of international roaming of the user in the fixed time period, m represents preset capping value of number of times of user's leaving the country in the fixed time period, min (P, m) represents that number of times of international roaming of the user in the fixed time period does not exceed preset capping value m, preferably, the capping value m is equal to 10, and the value can be adjusted according to actual needs;
a represents the call completing rate, and alpha represents the weight of the preset call completing rate in calculating the credit assessment score of the user;
k represents the number of calling times, n is a preset calling and scoring number capping value of the user, R represents the rejection rate, gamma represents the weight of the rejection rate of the user in calculating the credit assessment score of the user, min (K, n) represents that the calling and scoring number of the user cannot exceed the preset capping value n, preferably, the capping value n is equal to 10, and the capping value n can be adjusted according to actual needs.
In the credit investigation calculation method based on the national diffusion service provided by this embodiment, the credit investigation calculation method based on the national diffusion service collects the location update information of the user on the foreign network from the national diffusion signaling gateway to count the number of times of international roaming of the user within a certain fixed time period, and the reject rate, the call completing rate and the number of times of calling when the user roams abroad, and calculates credit assessment score of the user according to the international roaming times, call completing rate, call refusing rate and calling occurrence times which occur in the fixed time period, compared with the prior art, the application provides a brand-new personal credit assessment calculation method, the method does not depend on the historical consumption record data of the user, but evaluates the personal credit investigation of the user based on the call condition of the user when roaming abroad, thereby expanding the scope of credit investigation data and enabling the credit investigation evaluation of the user to be more comprehensive; in addition, the problem of counterfeit consumption history record data when the user consumption history record is used for calculating credit investigation of the user in the prior art is solved, so that the calculated personal credit investigation estimated value is more reliable.
EXAMPLE III
Fig. 3 is a schematic structural diagram of a credit investigation computing platform based on a national diffusion service according to a third embodiment of the present invention. As shown in fig. 3, the credit investigation computing platform based on the national diffusion service includes a first statistic module 11, a second statistic module 12, a first generation module 13 and a second generation module 14.
The first statistic module 11 is configured to count the number of times that the user has international roaming in a fixed time period; the second counting module 12 is used for counting the called occurrence frequency, the user hang-up frequency and the user connection frequency of the user when the user roams abroad in the fixed time period and counting the calling occurrence frequency of the user when the user roams abroad in the fixed time period; the first generation module 13 is used for generating the rejection rate of the user according to the hang-up times of the user and the occurrence times of the called party and generating the call-in rate according to the call-in times of the user and the occurrence times of the called party; the second generating module 14 is configured to generate a credit assessment score of the user according to the number of times of occurrence of international roaming, the denial of service rate, the call completing rate, and the number of times of occurrence of the calling party.
Further, the credit investigation computing platform based on the national diffusion service further comprises: a national gateway 15 for providing location update information for a user to perform location update in an outbound network; the location update information includes: the position updating occurrence time and the signaling process data of the calling party and the called party of the user.
Specifically, the first statistics module 11 counts the number of times of international roaming according to the location update occurrence time in the location update information.
The national diffuse signaling gateway stores a series of location updating occurrence time when the user performs location updating on the overseas network, and the location updating occurrence time records the moving track of the user overseas.
Specifically, the fixed time period is in years, e.g., from 2017-1-1 to 2018-1-1; searching a series of position updating occurrence time of the user recorded on the national diffuse signaling gateway in the fixed time period, and recording as a set { t }1,t2,…tjWherein j is an arbitrary integer; judging the occurrence time of the series of location updates to count the number of times of international roaming of the user in the time period, wherein the specific judging process is as follows:
reading a location update occurrence time tiJudging the occurrence time of the position update and the next ti+1If the time interval between the two times of location updating is longer than the preset time interval value D, the two times of location updating of the user occur for a long time, and the user finishes one time of international roaming and starts a second time of international roaming, namely, the user starts the second time of international roaming at tiInternational roaming occurs at time ti+1The time has ended, so t will beiCounting the occurrence time t of the international roaming of the user in the time period and continuing to update the next positioni+1Judging; if the time interval is less than D, the time interval of the two position updating occurrence times of the user is shorter, and the user is at tiThe international roaming generated at that moment is up to ti+1The moment is not finished yet, so that the position updating occurrence time t is continuously acquiredi+2Judgment of ti+1And ti+2The time interval between the two steps is analogized in turn until a certain position update occurrence time t is foundi+xWhich satisfies ti+x-1 and ti+xThe time interval between is greater than D, the user is more in position for time tiInternational roaming occurred by the occurrence time t of location updatei+xEnd, therefore, the statistical location update occurrence time ti～ti+x-1For an international roaming and continue to update the next location by time ti+xAnd (6) judging.
The preset time interval value D may be set according to actual needs, for example, 24 hours, 36 hours, 72 hours, and the like.
Set of pairs t according to the procedure described above1,t2,…tjAnd judging the occurrence time of all the position updates in the position information, namely counting the international roaming times of the user in the fixed time period.
Specifically, the second counting module 12 is configured to count the called occurrence frequency, the user hang-up frequency, the user connection frequency, and the calling occurrence frequency of the user in the fixed time period according to the signaling process data of the user calling and called in the location update information.
Specifically, the first generating module 13 calculates the rejection rate according to a formula R ═ y/x, where R denotes the rejection rate, y denotes the number of times the user hangs up, and x denotes the number of times the called party occurs; and calculating the call completing rate by the formula A-z/x, wherein A represents the call completing rate, z represents the number of times of user connection, and x represents the number of times of occurrence of the called party.
Specifically, the second generating module 14 calculates the times of occurrence of international roaming, the rejection rate, the call completing rate and the times of occurrence of the caller through a formula V ═ T × min (P, m) + α × a + β × min (K, n) - γ × R, and further obtains the credit investigation evaluation score of the user;
v represents credit investigation evaluation score of the user, T represents preset score of the user when the user roams once when the user leaves the country, P represents number of times of international roaming of the user in the fixed time period, m represents preset capping value of number of times of user's leaving the country in the fixed time period, min (P, m) represents that number of times of international roaming of the user in the fixed time period does not exceed preset capping value m, preferably, the capping value m is equal to 10, and the value can be adjusted according to actual needs;
a represents the call completing rate, and alpha represents the weight of the preset call completing rate in calculating the credit assessment score of the user;
k represents the number of calling times, n is a preset calling and scoring number capping value of the user, R represents the rejection rate, gamma represents the weight of the rejection rate of the user in calculating the credit assessment score of the user, min (K, n) represents that the calling and scoring number of the user cannot exceed the preset capping value n, preferably, the capping value n is equal to 10, and the capping value n can be adjusted according to actual needs.
Compared with the prior art, the credit investigation computing platform based on the national diffusion service provided by this embodiment collects the location update information of the user on the foreign network from the national diffusion signaling gateway 15, and enables the first statistics module 11, the second statistics module 12 and the first generation module 13 to count the times of international roaming, the number of times of call occurrence, the rejection rate and the call occurrence rate of the user in a fixed time period according to the location update information, and finally enables the second generation module 14 to calculate the credit investigation assessment score of the user according to the times of international roaming, the call occurrence rate, the rejection rate and the call occurrence rate, the application provides a brand new personal credit investigation computing method, which does not depend on the historical consumption record data of the user, but evaluates the personal credit investigation of the user based on the call condition of the user during the foreign roaming, therefore, the scope of credit investigation data is expanded, and the credit investigation evaluation of the user is more comprehensive; in addition, the problem of counterfeit consumption history record data when the user consumption history record is used for calculating credit investigation of the user in the prior art is solved, so that the calculated personal credit investigation estimated value is more reliable.
It will be understood that the above embodiments are merely exemplary embodiments taken to illustrate the principles of the present invention, which is not limited thereto. It will be apparent to those skilled in the art that various modifications and improvements can be made without departing from the spirit and substance of the invention, and these modifications and improvements are also considered to be within the scope of the invention.
Claims (8)
1. A credit investigation calculation method based on a national diffusion service is characterized by comprising the following steps:
counting the times of international roaming of a user in a fixed time period;
counting the called occurrence times, the user hang-up times and the user connection times of the user roaming out of the country in the fixed time period, generating the rejection rate of the user according to the user hang-up times and the called occurrence times and generating the connection rate according to the user connection times and the called occurrence times;
counting the number of times of calling when the user roams abroad in the fixed time period;
generating credit assessment scores of the users according to the times of international roaming, the rejection rate, the call completing rate and the times of calling;
wherein, the generating the credit assessment score of the user according to the times of occurrence of international roaming, the rejection rate, the call completing rate and the times of occurrence of the calling comprises:
calculating the times of international roaming, the rejection rate, the call completing rate and the calling occurrence times through a formula V ═ T × min (P, m) + alpha × A + beta × min (K, n) -gamma R, and further obtaining the credit investigation evaluation score of the user;
wherein, V represents credit investigation evaluation score of user, T represents preset score of user roaming once when the user leaves, P represents number of times of international roaming of user in the fixed time period, m represents preset capping value of number of times of user roaming when the user leaves in the fixed time period, A represents call completing rate, alpha represents weight of preset call completing rate in calculating credit investigation score of user, K represents number of calling times, n is preset capping value of number of times of calling and scoring of user, R represents rejection rate, and gamma represents weight of user rejection rate in calculating credit investigation score of user.
2. The credit investigation calculation method based on the national diffusion service as claimed in claim 1, wherein before counting the number of times of international roaming of the user in a fixed time period, the method further comprises:
acquiring location updating information of a user, which is subjected to location updating in an overseas network, from a national diffusion signaling gateway according to a user number, wherein the location updating information comprises: the position updating occurrence time and the signaling process data of the calling and called users;
the counting of the times of the international roaming of the user in the fixed time period comprises the following steps: counting the times of international roaming according to the position updating occurrence time in the position updating information;
the counting of the called occurrence times, the user hang-up times and the user connection times of the user roaming outdoors in the fixed time period comprises the following steps: counting the number of times of the called party, the number of times of the user hanging up and the number of times of the user connecting according to the signaling process data of the user calling and the user called in the position updating information;
counting the number of times of caller occurrence when the user roams abroad within the fixed time period comprises: and counting the number of times of the calling according to the signaling process data of the calling and the called of the user in the position updating information.
3. The credit investigation calculation method based on the national diffusion service as claimed in claim 1, wherein the generating of the rejection rate of the user according to the hang-up times and the called occurrence times of the user comprises: and calculating the rejection rate by a formula of R-y/x, wherein R represents the rejection rate, y represents the number of times of hanging up of the user, and x represents the number of times of occurrence of the called party.
4. The credit investigation calculation method based on the national diffusion service as claimed in claim 1, wherein the generating of the call completing rate according to the user call completing times and the called occurrence times comprises: and calculating the call completing rate by the formula A-z/x, wherein A represents the call completing rate, z represents the number of times of user connection, and x represents the number of times of occurrence of called party.
5. A credit investigation computing platform based on a national diffusion service, comprising:
the first statistic module is used for counting the times of international roaming of a user in a fixed time period;
the second statistical module is used for counting the called occurrence frequency, the user hang-up frequency and the user connection frequency of the user when the user roams abroad in the fixed time period and counting the calling occurrence frequency of the user when the user roams abroad in the fixed time period;
the first generation module is used for generating the rejection rate of the user according to the hang-up times of the user and the occurrence times of the called party and generating the call-in rate according to the call-in times of the user and the occurrence times of the called party;
the second generation module generates credit assessment scores of the users according to the times of international roaming, the rejection rate, the call completing rate and the times of calling;
the second generation module is used for calculating the times of international roaming, the rejection rate, the call completing rate and the calling times through a formula V ═ T × min (P, m) + α × A + β × min (K, n) - γ × R, and further obtaining the credit investigation evaluation score of the user;
wherein, V represents credit investigation evaluation score of user, T represents preset score of user roaming once when the user leaves, P represents number of times of international roaming of user in the fixed time period, m represents preset capping value of number of times of user roaming when the user leaves in the fixed time period, A represents call completing rate, alpha represents weight of preset call completing rate in calculating credit investigation score of user, K represents number of calling times, n is preset capping value of number of times of calling and scoring of user, R represents rejection rate, and gamma represents weight of user rejection rate in calculating credit investigation score of user.
6. The credit calculation platform based on national diffusion service as claimed in claim 5, further comprising:
a national gateway for signaling, configured to provide location update information for a user to perform a location update in an outbound network, where the location update information includes: the position updating occurrence time and the signaling process data of the calling and called users;
the first statistic module is used for counting the times of international roaming according to the position updating occurrence time in the position updating information;
the second statistical module is used for counting the called occurrence times, the user hang-up times, the user connection times and the calling occurrence times of the user in the fixed time period according to the signaling process data of the user calling and the user called in the position updating information.
7. The credit investigation platform of claim 5, wherein the first generation module is configured to calculate the rejection rate according to the formula R ═ y/x, where R represents the rejection rate, y represents the number of times the user hangs up, and x represents the number of times the call is made.
8. The credit investigation platform of claim 5, wherein the first generation module is further configured to calculate the call completing rate according to a formula R ═ z/x, where A represents the call completing rate, z represents the number of times the user is connected, and x represents the number of times the call is made.
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