CN110348726A - A kind of user's amount method of adjustment, device and electronic equipment based on social networks network - Google Patents
A kind of user's amount method of adjustment, device and electronic equipment based on social networks network Download PDFInfo
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Abstract
The invention discloses a kind of user's amount methods of adjustment and device based on social networks network.User's amount method includes: acquisition target user data；Based on the target user data, target user's social networks network is constructed；Extract the one or more associations user in two degree of relationships of target user described in target user's social networks network；Based on the association user, risk score is carried out to the target user；According to the risk score, the amount adjusted value of the target user is calculated.The present invention is using user as node, construct user social contact relational network, extract the one or more associations user in two degree of relationships of user described in the user social contact relational network, the risk information of association user is used to carry out risk score to user in business scenario, according to the risk score, the amount adjusted value for calculating the target user suitably promotes credit line to user after excluding network of personal connections risk.By user's amount method of adjustment, the dynamic branch amount of user and the overall income of user are improved.
Description
Technical field
The present invention relates to computer information processing fields, in particular to a kind of user based on social networks network
Amount method of adjustment, device, electronic equipment and computer-readable medium.
Background technique
With the rapid development of economy, public be no longer satisfied with basic living guarantee, excessive consumption gradually occurs.Tradition
Automatic tune volume system, be all based on the rule manually customized, can not automatically adapt to current financial situation and User Status
Variation.In financial business, when calculating user's amount, it is all based on userspersonal information, has ignored user social contact network of personal connections
The information of network, while having ignored much other risk situations relevant to the user.But most of financial business can get and use
The information at family is very limited, so average user amount is lower, cannot meet the needs of users.
In this context, how to reduce risk and reasonable adjustment user's amount becomes an important topic, need to design
A kind of user's amount method of adjustment and device based on social networks network.
Summary of the invention
In view of the above problems, this specification is proposed to overcome the above problem in order to provide one kind or at least be partially solved
A kind of user's amount method of adjustment and device based on social networks network of the above problem.
Other characteristics and advantages disclosed in description of the invention will be apparent from by the following detailed description, or partly
Pass through the practice acquistion of the disclosure.
In a first aspect, description of the invention provides a kind of user's amount method of adjustment based on social networks network, comprising:
Obtain target user data；
Based on the target user data, target user's social networks network is constructed；
Extract one or more passes in two degree of relationships of target user described in target user's social networks network
It is combined family；
Based on the association user, risk score is carried out to the target user；
According to the risk score, the amount adjusted value of the target user is calculated.
In a kind of exemplary embodiment of the disclosure, the acquisition target user data, comprising:
Obtain the attribute information of the target user.
In a kind of exemplary embodiment of the disclosure, the attribute information of the target user, one including following information
Kind or multiple combinations:
Essential information, credit information, behavioral data, risk information in loan.
It is described based on the target user data in a kind of exemplary embodiment of the disclosure, construct target user
Social networks network, comprising:
With each network node that each target user is in target user's social networks network；
With the side for each network node that the connection between each target user is target user's social networks network.
It is described to extract the use of target described in the user social contact relational network in a kind of exemplary embodiment of the disclosure
One or more associations user in two degree of relationships at family includes:
The association user includes being directly linked user and indirect association user.
It is described to be based on the association user in a kind of exemplary embodiment of the disclosure, the target user is carried out
Risk score, comprising:
Establish risk score model；
Risk score threshold value is set；
Score is target user lower than the user of the threshold value；
Risk score is carried out to the target user.
It is described according to the risk score in a kind of exemplary embodiment of the disclosure, calculate the target user
Amount adjusted value, comprising:
The target user is sorted according to risk score；
It grades to the target user；
The different target user of rating result corresponds to different amount adjusted values.
Second aspect, description of the invention provide a kind of user's amount adjustment device based on social networks network, comprising:
First obtains module, for obtaining target user data；
Target social networks network module is constructed, for being based on the target user data, building target user's social activity is closed
It is network；
Second obtains module, in two degree of relationships for extracting target user described in the user social contact relational network
One or more associations user；
Risk score module carries out risk score to the target user for being based on the association user；
Amount module is adjusted, for calculating the amount adjusted value of the target user according to the risk score.
In a kind of exemplary embodiment of the disclosure, the acquisition target user data, comprising:
Obtain the attribute information of the target user.
In a kind of exemplary embodiment of the disclosure, the attribute information of the target user, one including following information
Kind or multiple combinations:
Essential information, credit information, behavioral data, risk information in loan.
It is described based on the target user data in a kind of exemplary embodiment of the disclosure, construct target user
Social networks network, comprising:
With each network node that each target user is in target user's social networks network；
With the side for each network node that the connection between each target user is target user's social networks network.
It is described to extract the use of target described in the user social contact relational network in a kind of exemplary embodiment of the disclosure
One or more associations user in two degree of relationships at family includes:
The association user includes being directly linked user and indirect association user.
It is described to be based on the association user in a kind of exemplary embodiment of the disclosure, the target user is carried out
Risk score, comprising:
Establish risk score model；
Risk score threshold value is set；
Score is target user lower than the user of the threshold value；
Risk score is carried out to the target user.
In a kind of exemplary embodiment of the disclosure,
It is described to be based on the target user, calculate the amount adjusted value of the target user, comprising:
The target user is sorted according to risk score；
It grades to the target user；
The different target user of rating result corresponds to different amount adjusted values.
The third aspect, description of the invention provide a kind of server, including processor and memory:
The memory is used to store the program for executing any of the above-described the method；
The processor is configured to for executing the program stored in the memory.
Fourth aspect, description of the invention embodiment provide a kind of computer readable storage medium, are stored thereon with calculating
Machine program, when which is executed by processor the step of realization any of the above-described the method.
The isolated user's individual of script is sufficiently associated by building social networks network, passes through structure by the present invention
Changing data clearly understands the numerous and complicated mixed relationship train of thought of user.Relative to traditional user's amount method of adjustment, benefit
With the risk information of user social contact network of personal connections, the risk of user's amount adjustment is reduced.By in analysis user social contact network
Association user information, improve the dynamic branch amount and overall income of user, avoid the lower problem of user's average quantum.
Detailed description of the invention
In order to keep technical problem solved by the invention, the technological means of use and the technical effect of acquirement clearer,
Detailed description of the present invention specific embodiment below with reference to accompanying drawings.But it need to state, drawings discussed below is only this
The attached drawing of invention exemplary embodiment of the present, to those skilled in the art, before not making the creative labor
It puts, the attached drawing of other embodiments can be obtained according to these attached drawings.
Fig. 1 is a kind of process of user's amount adjustment based on social networks network shown according to an exemplary embodiment
Figure.
Fig. 2 is a kind of user's amount adjustment device based on social networks network shown according to another exemplary embodiment
Block diagram.
Fig. 3 is the structural schematic diagram for a kind of electronic equipment that this specification embodiment provides；
Fig. 4 is a kind of schematic illustration for computer-readable medium that this specification embodiment provides.
Specific embodiment
Exemplary embodiment of the present invention is described more fully with reference to the drawings.However, exemplary embodiment can
Implement in a variety of forms, and is understood not to that present invention is limited only to embodiments set forth herein.On the contrary, it is exemplary to provide these
Embodiment enables to the present invention more full and complete, easily facilitates the technology that inventive concept is comprehensively communicated to this field
Personnel.Identical appended drawing reference indicates same or similar element, component or part in figure, thus will omit weight to them
Multiple description.
Under the premise of meeting technical concept of the invention, the feature described in some specific embodiment, structure, spy
Property or other details be not excluded for can be combined in any suitable manner in one or more other embodiments.
In the description for specific embodiment, feature, structure, characteristic or the other details that the present invention describes are to make
Those skilled in the art fully understands embodiment.But, it is not excluded that those skilled in the art can practice this hair
Bright technical solution is one or more without special characteristic, structure, characteristic or other details.
Flow chart shown in the drawings is merely illustrative, it is not necessary to including all content and operation/step,
It is not required to execute by described sequence.For example, some operation/steps can also decompose, and some operation/steps can close
And or part merge, therefore the sequence actually executed is possible to change according to the actual situation.
Block diagram shown in the drawings is only functional entity, not necessarily must be corresponding with physically separate entity.
I.e., it is possible to realize these functional entitys using software form, or realized in one or more hardware modules or integrated circuit
These functional entitys, or these functional entitys are realized in heterogeneous networks and/or processor device and/or microcontroller device.
Although it should be understood that may indicate the attribute of number using first, second, third, etc. to describe various devices herein
Part, element, component or part, but this should not be limited by these attributes.These attributes are to distinguish one and another one.Example
Such as, the first device is also referred to as the second device without departing from the technical solution of essence of the invention.
Term "and/or" or " and/or " include associated listing all of any of project and one or more
Combination.
User's amount method of adjustment based on social networks network that the present invention provides a kind of, for solving in the prior art
The risk and the lower status of average user amount of user social contact relational network, to solve the above-mentioned problems, totality of the invention
Thinking is as follows:
User's amount method of adjustment based on social networks network, comprising:
Obtain target user data；
Based on the target user data, target user's social networks network is constructed；
Extract one or more passes in two degree of relationships of target user described in target user's social networks network
It is combined family；
Based on the association user, risk score is carried out to the target user；
According to the risk score, the amount adjusted value of the target user is calculated.
The method of the present embodiment constructs target user's social networks network, extracts the mesh by the data of target user
The one or more associations user in two degree of relationships of target user described in user social contact relational network is marked, is used by association
Family carries out risk score to the target user, to calculate the amount adjusted value of the target user.
In the following, technical solution of the present invention is described in detail and is illustrated by several specific embodiments.
See Fig. 1, user's amount method of adjustment based on social networks network, comprising:
S101: target user data is obtained；
The acquisition target user data, comprising: obtain the attribute information of the target user；
The attribute information of the target user, one or more combinations including following information:
Essential information, credit information, behavioral data, risk information in loan.
S102: being based on the target user data, constructs target user's social networks network；
It is described based on the target user data, construct target user's social networks network, comprising:
With each network node that each target user is in target user's social networks network；
With the side for each network node that the connection between each target user is target user's social networks network.
S103: one or more passes in two degree of relationships of target user described in the user social contact relational network are extracted
It is combined family；
One or more passes in two degree of relationships for extracting target user described in the user social contact relational network
Combination family includes:
The association user includes being directly linked user and indirect association user.
S104: being based on the association user, carries out risk score to the target user；
It is described to be based on the association user, risk score is carried out to the target user, comprising:
One or more associations in two degree of relationships based on target user described in the user social contact relational network are used
The risk information at family filters out targeted user population；
Establish risk score model；
Risk score threshold value is set；
Score is target user lower than the user of the threshold value；
Risk score is carried out to the target user.
S105: according to the risk score, the amount adjusted value of the target user is calculated；
It is described according to the risk score, calculate the amount adjusted value of the target user, comprising:
The target user is sorted according to risk score；
It grades to the target user；
The rank graded to the target user is A, B, C；
The different target user of rating result corresponds to different amount adjusted values；
Corresponding first amplitude modulation of the A is 80%, and corresponding first amplitude modulation of the B is 60%, and corresponding first amplitude modulation of the C is
40%；
Second amplitude modulation=(the equal volume of network of personal connections-user's amount)/user's amount
Final amplitude modulation are as follows: the minimum value of each rank corresponding first amplitude modulation and the second amplitude modulation.
The above method, so that invention achieves technical effects below:
(1) by building social networks network, the isolated user's individual of script is sufficiently associated, structuring number is passed through
According to clearly understanding the numerous and complicated mixed relationship train of thought of user.
(2) relative to traditional user's amount method of adjustment, the risk information of user social contact network of personal connections is utilized, reduces
The risk of user's amount adjustment.
(3) by the association user information in analysis user social contact network, the dynamic branch amount and totality of user are improved
Income avoids the lower problem of user's average quantum.
It will be understood by those skilled in the art that realizing that all or part of the steps of above-described embodiment is implemented as by computer
The program (computer program) that data processing equipment executes.It is performed in the computer program, offer of the present invention is provided
The above method.Moreover, the computer program can store in computer readable storage medium, which can be with
It is the readable storage medium storing program for executing such as disk, CD, ROM, RAM, is also possible to the storage array of multiple storage medium compositions, such as disk
Or tape storage array.The storage medium is not limited to centralised storage, is also possible to distributed storage, such as based on cloud
The cloud storage of calculating.
The device of the invention embodiment is described below, which can be used for executing embodiment of the method for the invention.For
Details described in apparatus of the present invention embodiment should be regarded as the supplement for above method embodiment；For in apparatus of the present invention
Undisclosed details in embodiment is referred to above method embodiment to realize.
Such as Fig. 2, the device of the risk of fraud identification based on relational network, comprising:
First obtains module 201, for obtaining target user data；
First acquisition module obtains the attribute information of the target user, one or more combinations including following information:
Essential information, credit information, behavioral data, risk information in loan.
Target social networks network module 202 is constructed, for being based on the target user data, building target user is social
Relational network；
Specifically, target social networks network module 202 is constructed, comprising:
With each network node that each target user is in target user's social networks network；
With the side for each network node that the connection between each target user is target user's social networks network.
Second obtains module 203: for extracting two degree of relationships of target user described in the user social contact relational network
Interior one or more associations user；
Specifically, the second acquisition module 203 includes:
The association user includes being directly linked user and indirect association user.
Risk score module 204: for being based on the association user, risk score is carried out to the target user；
Specifically, risk score module 204, comprising:
One or more associations in two degree of relationships based on target user described in the user social contact relational network are used
The risk information at family filters out targeted user population；
Establish risk score model；
Risk score threshold value is set；
Score is target user lower than the user of the threshold value；
Risk score is carried out to the target user.
Adjust amount module 205: for calculating the amount adjusted value of the target user according to the risk score；
Specifically, amount module 205 is adjusted, comprising:
The target user is sorted according to risk score；
It grades to the target user；
The rank graded to the target user is A, B, C；
The different target user of rating result corresponds to different amount adjusted values；
Corresponding first amplitude modulation of the A is 80%, and corresponding first amplitude modulation of the B is 60%, and corresponding first amplitude modulation of the C is
40%；
Second amplitude modulation=(the equal volume of network of personal connections-user's amount)/user's amount
Final amplitude modulation are as follows: the minimum value of each rank corresponding first amplitude modulation and the second amplitude modulation.
It will be understood by those skilled in the art that each module in above-mentioned apparatus embodiment can be distributed in device according to description
In, corresponding change can also be carried out, is distributed in one or more devices different from above-described embodiment.The mould of above-described embodiment
Block can be merged into a module, can also be further split into multiple submodule.
Electronic equipment embodiment of the invention is described below, which can be considered as the method for aforementioned present invention
With the specific entity embodiment of Installation practice.For details described in electronic equipment embodiment of the present invention, should be regarded as pair
In the above method or the supplement of Installation practice；For undisclosed details, Ke Yican in electronic equipment embodiment of the present invention
It is realized according to the above method or Installation practice.
Fig. 3 is the structural block diagram of the exemplary embodiment of a kind of electronic equipment according to the present invention.It is retouched referring to Fig. 3
State the electronic equipment 200 of the embodiment according to the present invention.The electronic equipment 200 that Fig. 3 is shown is only an example, should not be right
The function and use scope of the embodiment of the present invention bring any restrictions.
As shown in figure 3, electronic equipment 200 is showed in the form of universal computing device.The component of electronic equipment 200 can wrap
It includes but is not limited to: at least one processing unit 210, at least one storage unit 220, (including the storage of the different system components of connection
Unit 220 and processing unit 210) bus 230, display unit 240 etc..
Wherein, the storage unit is stored with program code, and said program code can be held by the processing unit 210
Row, so that the processing unit 210 executes described in this specification above-mentioned electronic prescription circulation processing method part according to this
The step of inventing various illustrative embodiments.For example, the processing unit 210 can execute step as shown in Figure 3.
The storage unit 220 may include the readable medium of volatile memory cell form, such as random access memory
Unit (RAM) 2201 and/or cache memory unit 2202 can further include read-only memory unit (ROM) 2203.
The storage unit 220 can also include program/practical work with one group of (at least one) program module 2205
Tool 2204, such program module 2205 includes but is not limited to: operating system, one or more application program, other programs
It may include the realization of network environment in module and program data, each of these examples or certain combination.
Bus 230 can be to indicate one of a few class bus structures or a variety of, including storage unit bus or storage
Cell controller, peripheral bus, graphics acceleration port, processing unit use any bus structures in a variety of bus structures
Local bus.
Electronic equipment 200 can also be with one or more external equipments 300 (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 200 communicate, and/or with make
Any equipment (such as the router, modulation /demodulation that the electronic equipment 200 can be communicated with one or more of the other calculating equipment
Device etc.) communication.This communication can be carried out by input/output (I/O) interface 250.Also, electronic equipment 200 can be with
By network adapter 260 and one or more network (such as local area network (LAN), wide area network (WAN) and/or public network,
Such as internet) communication.Network adapter 260 can be communicated by bus 230 with other modules of electronic equipment 200.It should
Understand, although not shown in the drawings, other hardware and/or software module can be used in conjunction with electronic equipment 200, including but 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 it can be readily appreciated that the present invention describe it is exemplary
Embodiment can also be realized by software realization in such a way that software is in conjunction with necessary hardware.Therefore, according to this hair
The technical solution of bright embodiment can be embodied in the form of software products, which can store calculates at one
In the readable storage medium of machine (can be CD-ROM, USB flash disk, mobile hard disk etc.) or on network, including some instructions are so that one
Platform calculates equipment (can be personal computer, server or network equipment etc.) and executes according to the above method of the present invention.When
When the computer program is executed by a data processing equipment so that the computer-readable medium can be realized it is of the invention upper
State method, it may be assumed that
The present invention constructs user social contact relational network, extracts in the user social contact relational network using user as node
One or more associations user in two degree of relationships of the user, the risk information of association user is used in business scenario
Risk score is carried out to user to calculate the amount adjusted value of the target user according to the risk score, excluding relationship
After net risk, credit line suitably is promoted to user.By user's amount method of adjustment, improve the dynamic branch amount of user with
And the overall income of user.
Fig. 4 is a kind of schematic illustration for computer-readable medium that this specification embodiment provides.
The computer program can store on one or more computer-readable mediums.Computer-readable medium can be with
It is readable signal 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, red
The system of outside line or semiconductor, device or device, or any above combination.The more specific example of readable storage medium storing program for executing
(non exhaustive list) includes: the electrical connection with one or more conducting wires, portable disc, hard disk, random access memory
(RAM), read-only memory (ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc
Read memory (CD-ROM), light storage device, magnetic memory device or above-mentioned any appropriate combination.
The computer readable storage medium may include in a base band or the data as the propagation of carrier wave a part are believed
Number, wherein carrying readable program code.The data-signal of this propagation can take various forms, including but not limited to electromagnetism
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, the readable medium can send, propagate or transmit for by instruction execution system, device or device use 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.
The program for executing operation of the present invention can be write with any combination of one or more programming languages
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 calculates and executes in equipment, partly executes on a user device, being executed as an independent software package, partially in user's calculating
Upper side point is executed on a remote computing or is executed in remote computing device or server completely.It is being related to far
Journey calculates in the situation of equipment, and remote computing device can pass through the network of any kind, including local area network (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 conclusion the present invention can be implemented in hardware, or the software to run on one or more processors
Module is realized, or is implemented in a combination thereof.It will be understood by those of skill in the art that micro process can be used in practice
The communications data processing units such as device or digital signal processor (DSP) come realize according to embodiments of the present invention in it is some or
The some or all functions of whole components.The present invention is also implemented as a part for executing method as described herein
Or whole device or device program (for example, computer program and computer program product).Such realization present invention
Program can store on a computer-readable medium, or may be in the form of one or more signals.Such letter
It number can be downloaded from an internet website to obtain, be perhaps provided on the carrier signal or be provided in any other form.
Particular embodiments described above has carried out further in detail the purpose of the present invention, technical scheme and beneficial effects
It describes in detail bright, it should be understood that the present invention is not inherently related to any certain computer, virtual bench or electronic equipment, various
The present invention also may be implemented in fexible unit.The above is only a specific embodiment of the present invention, is not limited to this hair
Bright, all within the spirits and principles of the present invention, any modification, equivalent substitution, improvement and etc. done should be included in the present invention
Protection scope within.
Claims (10)
1. a kind of user's amount method of adjustment based on social networks network, comprising:
Obtain target user data；
Based on the target user data, target user's social networks network is constructed；
The one or more associations extracted in two degree of relationships of target user described in target user's social networks network are used
Family；
Based on the association user, risk score is carried out to the target user；
According to the risk score, the amount adjusted value of the target user is calculated.
2. a kind of user's amount method of adjustment based on social networks network according to claim 1, comprising:
The acquisition target user data, comprising:
Obtain the attribute information of the target user.
3. -2 described in any item a kind of user's amount methods of adjustment based on social networks network according to claim 1, comprising:
The attribute information of the target user, one or more combinations including following information:
Essential information, credit information, behavioral data, risk information in loan.
4. a kind of user's amount method of adjustment based on social networks network according to claim 1-3, comprising:
It is described based on the target user data, construct target user's social networks network, comprising:
With each network node that each target user is in target user's social networks network；
With the side for each network node that the connection between each target user is target user's social networks network.
5. a kind of user's amount method of adjustment based on social networks network according to claim 1-4, comprising:
One or more associations in two degree of relationships for extracting target user described in the user social contact relational network are used
Family includes:
The association user includes being directly linked user and indirect association user.
6. a kind of user's amount method of adjustment based on social networks network according to claim 1-5, comprising:
It is described to be based on the association user, risk score is carried out to the target user, comprising:
Establish risk score model；
Risk score threshold value is set；
Score is target user lower than the user of the threshold value；
Risk score is carried out to the target user.
7. a kind of user's amount method of adjustment method based on social networks network according to claim 1-6, packet
It includes:
It is described according to the risk score, calculate the amount adjusted value of the target user, comprising:
The target user is sorted according to risk score；
It grades to the target user；
The different target user of rating result corresponds to different amount adjusted values.
8. a kind of user's amount based on social networks network adjusts device, comprising:
First obtains module, for obtaining target user data；
Target social networks network module is constructed, for being based on the target user data, constructs target user's social networks net
Network；
Second obtains module, one in two degree of relationships for extracting target user described in the user social contact relational network
Or multiple association users；
Risk score module carries out risk score to the target user for being based on the association user；
Amount module is adjusted, for calculating the amount adjusted value of the target user according to the risk score.
9. a kind of server, including processor and memory:
The memory is used to store the program that perform claim requires any one of 1-7 the method；
The processor is configured to for executing the program stored in the memory.
10. a kind of computer readable storage medium, is stored with computer program, which is characterized in that the program is held by processor
The step of any one of claim 1-7 the method is realized when row.
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