CN110428327A - A kind of overdue appraisal procedure of user, device and storage medium - Google Patents
A kind of overdue appraisal procedure of user, device and storage medium Download PDFInfo
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- CN110428327A CN110428327A CN201910746779.4A CN201910746779A CN110428327A CN 110428327 A CN110428327 A CN 110428327A CN 201910746779 A CN201910746779 A CN 201910746779A CN 110428327 A CN110428327 A CN 110428327A
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- contact person
- target user
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- user
- characteristic information
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06N—COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS
- G06N20/00—Machine learning
- G06N20/20—Ensemble learning
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
A kind of overdue appraisal procedure of user provided by the invention, device and storage medium, the described method includes: obtaining the characteristic information and related information of target user, the related information includes the incidence coefficient of the contact person of the target user, the characteristic information of the contact person and the target user and the contact person；More degree characteristic informations of the target user are determined according to the incidence coefficient of the characteristic information of the contact person and the target user and the contact person；The characteristic information of the target user and more degree characteristic informations are inputted into pre-set assessment models whether overdue may assess the target user.Whether the characteristic information more spent by introducing more users can more objectively overdue may assess user, and overdue evaluation capacity whether possible for user user is obviously improved.
Description
Technical field
The present invention relates to financial air control technical fields, in particular to a kind of overdue appraisal procedure of user, device and deposit
Storage media.
Background technique
With the development of information technology, the computing capability of computer is obviously improved, and is formed a large amount of user and is closed
Join the complex network data that data are formed, how the overdue possibility of user accurately to be predicted based on this complex network data,
It is a urgent problem to be solved.Traditional algorithm only considered the label (whether have in such as data overdue record) of user itself
Propagation on network, however have the number of users of label limited, the information being capable of providing also is limited, so it is existing
Prediction technique accuracy is lower.
Summary of the invention
In view of this, the be designed to provide a kind of overdue appraisal procedure of user, device and the storage of the embodiment of the present invention are situated between
Matter, to improve above-mentioned problem.
The embodiment of the invention provides a kind of overdue appraisal procedures of user, which comprises
The characteristic information and related information of target user are obtained, the related information includes the connection of the target user
The incidence coefficient of people, the characteristic information of the contact person and the target user and the contact person；
According to the characteristic information of the contact person and the determination of the incidence coefficient of the target user and the contact person
More degree characteristic informations of target user；
The characteristic information of the target user and more degree characteristic informations are inputted into pre-set assessment models to described
Whether target user overdue may assess.
Further, according to the characteristic information of the contact person and the incidence coefficient of the target user and the contact person
The step of determining more degree characteristic informations of the target user include:
The feature weight of the contact person is determined according to the incidence coefficient of the target user and the contact person；
More degree of the target user are determined according to the feature weight of the characteristic information of the contact person and the contact person
Characteristic information；Wherein, more degree characteristic informations of the target user and the characteristic information of the contact person and the contact person
Feature weight meets following formula:
FA=w1*f1+w2*f2+ ... wn*fn；
In formula, FA refers to more degree characteristic informations of the target user；F1, f2 ... fn refer to the different connections with identical dimensional
The characteristic information of people, w1, w2 ... wn refer to the feature weight of the corresponding contact person.
Further, the contact person includes that once contact person, the once contact person were referring to and target user tool
There is the contact person directly contacted, more degree characteristic informations include that once characteristic information, the once characteristic information had been the mesh
The weighted feature of the once contact person of user is marked, the feature weight of the once contact person is association ratio, the association ratio
For the incidence coefficient of the once contact person and the ratio between the incidence coefficient of all once contact persons of the target user；
It is described to determine the target user's according to the characteristic information of the contact person and the feature weight of the contact person
The step of more degree characteristic informations, comprising:
According to the once feature of target user described in the characteristic information of the once contact person and the association ratio-dependent
Information.
Further, the contact person include two degree of contact persons, two degree of contact persons of the target user refer to it is described
Target user has the contact person of phase identical degree contact person, and more degree characteristic informations include two degree of characteristic informations, and described two degree
Characteristic information is the weighted feature of two degree of contact persons of the target user, and the feature weight of two degree of contact persons is described two
Spend the product of the relatively described once association ratio of contact person of contact person and the feature weight of the once contact person；
It is described to determine the target user's according to the characteristic information of the contact person and the feature weight of the contact person
The step of more degree characteristic informations, comprising:
Determine that the target is used according to the feature weight of the characteristic information of two degree of contact persons and two degree of contact persons
Two degree of characteristic informations at family.
Further, whether the characteristic information includes the use habit of specified application and there is overdue loan to remember
Record.
Further, after the characteristic information and related information that obtain target user, the method also includes:
The characteristic information and the related information to the target user carry out desensitization process.
Further, the characteristic information of the target user and more degree characteristic informations are inputted into pre-set assessment models
Whether possible overdue the step of assessing to include: to the target user
The characteristic information of the target user and more degree characteristic informations are inputted into pre-set XGBoost model to institute
State whether target user overdue may assess.
The present invention also provides a kind of overdue assessment device of user, the overdue assessment device of user is above-mentioned for executing
The overdue appraisal procedure of user, the overdue assessment device of user include:
Data capture unit, for obtaining the characteristic information and related information of target user, the related information includes institute
State the incidence coefficient of the contact person of target user, the characteristic information of the contact person and the target user and the contact person；
Characteristics determining unit, for according to the characteristic information of the contact person and the target user and the contact person
Incidence coefficient determines more degree characteristic informations of the target user；
Assessment unit, for the characteristic information of the target user and more degree characteristic informations to be inputted pre-set assessment
Whether model is overdue may assess the target user.
Further, the characteristics determining unit is used for true according to the incidence coefficient of the target user and the contact person
The feature weight of the fixed contact person；
The characteristics determining unit is also used to the characteristic information according to the contact person and the feature weight of the contact person
Determine more degree characteristic informations of the target user；Wherein, more degree characteristic informations of the target user are with the contact person's
Characteristic information and the feature weight of the contact person meet following formula:
FA=w1*f1+w2*f2+ ... wn*fn；
In formula, FA refers to more degree characteristic informations of the target user；F1, f2 ... fn refer to the different connections with identical dimensional
The characteristic information of people, w1, w2 ... wn refer to the feature weight of the corresponding contact person.
The present invention also provides a kind of computer readable storage medium, calculating is stored on the computer readable storage medium
Machine program, the computer program execute above-mentioned user overdue appraisal procedure when being run by processor.
Compared with the prior art, the invention has the following advantages:
A kind of overdue appraisal procedure of user provided by the invention, device and storage medium, which comprises obtain target
The characteristic information and related information of user, the related information include the spy of the contact person of the target user, the contact person
Reference breath and the incidence coefficient of the target user and the contact person；According to the characteristic information of the contact person and the target
The incidence coefficient of user and the contact person determine more degree characteristic informations of the target user；By the feature of the target user
Information and more degree characteristic informations input pre-set assessment models whether overdue may assess the target user.
Whether the characteristic information more spent by introducing more users can more objectively overdue may assess user, for
The whether possible overdue evaluation capacity of user user is obviously improved.
To enable the above objects, features and advantages of the present invention to be clearer and more comprehensible, preferred embodiment is cited below particularly, and cooperate
Appended attached drawing, is described in detail below.
Detailed description of the invention
It, below will be to use required in embodiment in order to illustrate more clearly of the technical solution of embodiment of the present invention
Attached drawing be briefly described, it should be understood that the following drawings illustrates only certain embodiments of the present invention, therefore is not to be seen as
It is the restriction to range, it for those of ordinary skill in the art, without creative efforts, can be with root
Other relevant attached drawings are obtained according to these attached drawings.
Fig. 1 shows a kind of server schematic diagram provided by the present invention.
Fig. 2 shows a kind of flow charts of the overdue appraisal procedure of user provided by the present invention.
Fig. 3 shows the sub-step flow chart of S2 in Fig. 2.
Fig. 4 shows the functional unit schematic diagram of the overdue assessment device of user.
Appended drawing reference: 200- server；The 210- network port；220- processor；230- communication bus；240- storage is situated between
Matter；250-I/O interface；The overdue assessment device of 300- user；310- data capture unit；320- characteristics determining unit；330- is commented
Estimate unit.
Specific embodiment
Below in conjunction with attached drawing in the embodiment of the present invention, technical solution in the embodiment of the present invention carries out clear, complete
Ground description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Usually exist
The component of the embodiment of the present invention described and illustrated in attached drawing can be arranged and be designed with a variety of different configurations herein.Cause
This, is not intended to limit claimed invention to the detailed description of the embodiment of the present invention provided in the accompanying drawings below
Range, but it is merely representative of selected embodiment of the invention.Based on the embodiment of the present invention, those skilled in the art are not doing
Every other embodiment obtained under the premise of creative work out, shall fall within the protection scope of the present invention.
It should also be noted that similar label and letter indicate similar terms in following attached drawing, therefore, once a certain Xiang Yi
It is defined in a attached drawing, does not then need that it is further defined and explained in subsequent attached drawing.
In the description of the present invention, it is also necessary to explanation, herein, such as first and second or the like relationship art
Language is only used to distinguish one entity or operation from another entity or operation, without necessarily requiring or implying this
There are any actual relationship or orders between a little entities or operation.The terms "include", "comprise" or its it is any its
He is intended to non-exclusive inclusion by variant, so that the process, method, article or equipment including a series of elements is not
Only include those elements, but also including other elements that are not explicitly listed, or further include for this process, method,
Article or the intrinsic element of equipment.In the absence of more restrictions, being wanted by what sentence "including a ..." limited
Element, it is not excluded that there is also other identical elements in the process, method, article or apparatus that includes the element.For
For those skilled in the art, the concrete meaning of above-mentioned term in the present invention can be understood with concrete condition.
With reference to the accompanying drawing, it elaborates to some embodiments of the present invention.In the absence of conflict, following
Feature in embodiment and embodiment can be combined with each other.
Fig. 1 shows the embodiment of the present invention and provides the example hardware and software that the server of the application thought may be implemented
The schematic diagram of component.For example, processor 220 can be used on server 200, and for executing the function in the application.
Server 200 can be the computer of general purpose computer or specific use, both can be used to implement the application
The overdue appraisal procedure of user.The application is although illustrate only a computer, for convenience's sake, can be in multiple classes
Like function described herein is realized on platform in a distributed way, loaded with equilibrium treatment.
For example, server 200 may include the network port 210 for being connected to network, one for executing program instructions
Or multiple processors 220, communication bus 230 and various forms of computer readable storage mediums 240, for example, disk, ROM,
Or RAM, or any combination thereof.Illustratively, computer platform can also be non-including being stored in ROM, RAM or other kinds of
Temporary storage medium, or any combination thereof in program instruction.The present processes may be implemented according to these program instructions.
Server 200 further includes the input/output between computer and other input-output equipment (such as keyboard, display screen)
(Input/Output, I/O) interface 250.
For ease of description, a processor is only described in server 200.It should be noted, however, that in the application
Server 200 can also include multiple processors, therefore a step of processor described in this application executes can also be by
Multiple processor joints are executed or are individually performed.For example, if the processor of server 200 executes step A and step B, it should
Understand, step A and step B can also be executed jointly by two different processors or be individually performed in a processor.
For example, first processor executes step A, second processor executes step B or first processor and second processor is held jointly
Row step A and B.
Referring to Fig. 2, the method includes S1 Fig. 2 shows a kind of overdue appraisal procedure of user is present embodiments provided
~S3.
S1 obtains the characteristic information and related information of target user.
Characteristic information is the information of characterization characterization user behavior habit, for example, the use habit of specified application, such as new
Hear information class application program, financial class application program, amusement game class application program etc..Generally, above- mentioned information can by with
The intelligent terminal at family is sent to specific server after obtaining, for example, being mounted with application-specific (Application, APP)
Intelligent terminal can actively or passively obtain above- mentioned information and the information that will acquire is sent to server, server is to corresponding
Information carry out desensitization process after stored, need to a certain user whether may it is overdue assess when, then extract should
The characteristic information of target user is handled and is assessed.
Characteristic information further includes whether user has overdue loan record, it is possible to understand that ground, if user has had loan
A possibility that overdue record, then it is overdue again, is larger, if user without overdue loan record, it is overdue a possibility that compared with
It is small.
Related information includes the contact person of target user, the characteristic information of contact person and target user to be associated with contact person
Coefficient.
By taking communicating data as an example, by being mounted with that the intelligent terminal of application-specific (Application, APP) can be with
The address list and message registration for actively or passively obtaining user can be with so as to obtain the contact information of target user
Understand that ground, the characteristic information of contact person also are stored in specific server, connection can be determined according to the contact information of acquisition
It is the characteristic information of people.Characteristic information is the information of characterization characterization user behavior habit, for example, the use of specified application is practised
Used, whether user has overdue loan record etc..The connection of the incidence coefficient of target user and contact person expression user and contact person
System's degree closely, for example, incidence coefficient can be the duration of call in certain period of time, as in 1 week the duration of call or 1 month
The interior duration of call, it is possible to understand that ground, incidence coefficient is bigger, then target user and contacting for the contact person are closer, easier
It is influenced by the contact person.
After the characteristic information and related information that obtain target user, which comprises
Desensitization process is carried out to the characteristic information and related information of the acquisition target user of acquisition.
Desensitization process refers to the deformation that certain sensitive informations are carried out with data by desensitization rule, realizes privacy-sensitive data
Reliably protecting.In the case where being related to user security data or some commercial sensitive datas, system convention is not being violated
Under the conditions of, test use, such as the personal letter of identification card number, cell-phone number, card number, customer ID are transformed and provided to truthful data
Breath requires to carry out data desensitization.
S2 determines more degree of target user according to the incidence coefficient of the characteristic information of contact person and target user and contact person
Characteristic information.
Contact person includes contact person, such as once contact person, two degree of contact persons, three degree of contact persons.According to once contact person
Characteristic information and the incidence coefficient of target user and once contact person can determine the once characteristic information of target user；According to
The characteristic information of two degree of contact persons and the incidence coefficient of target user and two degree contact persons can determine two degree of spies of target user
Reference breath；Target use can be determined according to the incidence coefficient of the characteristic information of three degree of contact persons and target user and three degree contact persons
Three degree of characteristic informations at family.
Referring to Fig. 3, determining that target is used according to the incidence coefficient of the characteristic information of contact person and target user and contact person
The step of more degree characteristic informations at family includes S21~S22.
S21: the feature weight of contact person is determined according to the incidence coefficient of target user and contact person.
By taking the feature weight of once contact person as an example:
Target user and the incidence coefficient of once contact person and target user and all once contact persons are associated with system
Feature weight of several ratios as once contact person's relative target user.
The incidence coefficient of target user and contact person indicate the close relation degree of user and contact person, for example, incidence coefficient
It can be the duration of call in certain period of time, such as the duration of call in 1 week or the duration of call in 1 month.If target is used
Family there are four once contact person A, B, C, D, target user with the incidence coefficient of once contact person A be 5 in 1 month, with
Once the incidence coefficient of contact person B was 10, and the incidence coefficient with once contact person C is 3, the incidence coefficient with once contact person D
It is 2, then once the feature weight w1 of contact person A is 5/ (5+10+3+2)=0.25；Similarly, the once feature weight of contact person B
W2 is 10/ (5+10+3+2)=0.5, once the feature weight w3 of contact person C had been 3/ (5+10+3+2)=0.15, once contact person
The feature weight w4 of D is 2/ (5+10+3+2)=0.1.It is to be appreciated that for the contact person of Same Latitude, feature power
Weight w1+w2+w3+ ... wn=1.
By taking the feature weight of two degree of contact persons as an example, two degree of contact persons of target user refer to target user with identical
The once contact person of contact person；More degree characteristic informations include two degree of characteristic informations, are associated with system according to target user and contact person
Number determines that the step of feature weight of contact person includes:
By two degree of contact persons, once the feature weight of contact person and the feature of once contact person's relative target user are weighed relatively
Feature weight of the product of weight as two degree of contact person relative target users.
Two degree of contact persons of target user refer to the contact person for having phase identical degree contact person with target user, target user
There are multiple once contact persons, and once contact person had multiple once contact persons again for each, once the once connection of contact person
People (the existing once contact person for removing target user itself and target user) is two degree of contact persons of target user.By two degree
Contact person relatively once the product of the feature weight of contact person and the once feature weight of contact person's relative target user as two degree
The feature weight of contact person relative target user.
S22: more degree characteristic informations of target user are determined according to the feature weight of the characteristic information of contact person and contact person.
The more degree characteristic informations and the characteristic information of contact person and the feature weight of contact person of target user meet following formula:
FA=w1*f1+w2*f2+ ... wn*fn；
In formula, FA refers to more degree characteristic informations of target user；F1, f2 ... fn refer to the different contact persons' with identical dimensional
Characteristic information, w1, w2 ... wn refer to the feature weight of corresponding contact person.It is to be appreciated that in the more degree features letter for determining user
When breath, corresponding contact person and corresponding feature weight should be used, for example, answering when calculating the once characteristic information of target user
Select the once characteristic information of contact person and the once feature weight of contact person's relative target user；Calculate two degree of target user
When characteristic information, the characteristic information of bis- degree of contact persons of Ying Xuanyong and the feature weight of two degree of contact person relative target users.
By taking once characteristic information as an example, the once characteristic information of target user is with the once characteristic information of contact person and once
The feature weight of contact person meets following formula:
FA1=w1*f1+w2*f2+ ... wn*fn；
In formula, FA1 refers to the once characteristic information of target user；F1 refers to that the characteristic information, f2 of first once contact person refers to
Characteristic information ... the fn of second once contact person refers to that the characteristic information of n-th once contact person, w1, w2 ... wn refer to corresponding one
Spend the feature weight of contact person.
The characteristic information of target user and more degree characteristic informations are inputted pre-set assessment models to target by S30
Whether user overdue may assess.
For example, the characteristic information of target user itself and its more degree characteristic informations are inputted pre-set XGBoost mould
Whether type is overdue may assess target user.Whether XGBoost model may exceed user by decision-tree model
Phase is assessed.By the feature of user itself such as whether there are overdue records, APP use habit, and determined according to contact person
More degree characteristic informations as decision tree feature carry out assessment prediction, the accurate rate of assessment can be significantly improved.
It should be noted that other the same or similar moulds can also be passed through in other embodiments of the invention
Whether type overdue may predict that the present embodiment is not construed as limiting this to user.
Second embodiment
A kind of overdue assessment device 300 of user is present embodiments provided, the overdue assessment device 300 of user is for executing first
The overdue appraisal procedure of user that embodiment provides.It should be noted that the overdue assessment device of user provided by the present embodiment
300, the overdue appraisal procedure of user that the technical effect and first embodiment of basic principle and generation provide is essentially identical, for letter
It describes, the present embodiment part does not refer to place, can refer to corresponding contents in the above embodiments.
Referring to Fig. 4, the overdue assessment device 300 of user includes: data capture unit 310, characteristics determining unit 320 and comments
Estimate unit 330.
Data capture unit 310, for obtaining the characteristic information and related information of target user, related information includes target
The incidence coefficient of the contact person of user, the characteristic information of contact person and target user and contact person.
Characteristic information is the information of characterization characterization user behavior habit, for example, the use habit of specified application, such as new
Hear information class application program, financial class application program, amusement game class application program etc..Characteristic information further includes whether user has
Have overdue loan record, it is possible to understand that ground, if user had a possibility that overdue loan record, overdue again compared with
Greatly, if user without overdue loan record, it is overdue a possibility that it is smaller.Related information includes the connection of target user
The incidence coefficient of people, the characteristic information of contact person and target user and contact person.The incidence coefficient table of target user and contact person
Show the close relation degree of user and contact person, for example, incidence coefficient can be the duration of call in certain period of time, in 1 week
The duration of call or the duration of call in 1 month, it is possible to understand that ground, incidence coefficient is bigger, then target user and the contact person
Connection it is closer, it is easier to be influenced by the contact person.
After the characteristic information and related information that obtain target user, data capture unit 310 is also used to the information to acquisition
Desensitization process is carried out, leakage privacy of user is avoided to cause damages user.
It is to be appreciated that in a preferred embodiment, data capture unit 310 can be used for executing S10 and
S11。
Characteristics determining unit 320, for the incidence coefficient according to the characteristic information of contact person and target user and contact person
Determine more degree characteristic informations of target user.
Contact person includes contact person, such as once contact person, two degree of contact persons, three degree of contact persons.With once contact person's
For feature weight: by the pass of target user and the once incidence coefficient of contact person and target user and all once contact persons
Contact feature weight of the ratio of number as once contact person's relative target user.
By taking the feature weight of two degree of contact persons as an example, two degree of contact persons of target user refer to target user with identical
The once contact person of contact person；More degree characteristic informations include two degree of characteristic informations, the once contact person relatively by two degree of contact persons
Spy of the product of feature weight and the once feature weight of contact person's relative target user as two degree of contact person relative target users
Levy weight.
Characteristics determining unit 320 is used to determine target user according to the characteristic information of contact person and the feature weight of contact person
More degree characteristic informations；Wherein, the feature of more degree characteristic informations of target user and the characteristic information of contact person and contact person are weighed
Meet following formula again:
FA=w1*f1+w2*f2+ ... wn*fn；
In formula, FA refers to more degree characteristic informations of target user；F1, f2 ... fn refer to the different contact persons' with identical dimensional
Characteristic information, w1, w2 ... wn refer to the feature weight of corresponding contact person.
It is to be appreciated that characteristics determining unit 320 can be used for executing S20.
Assessment unit 330, for the characteristic information of target user and more degree characteristic informations to be inputted pre-set assessment
Whether model is overdue may assess target user.
In this present embodiment, assessment unit 330 is used to by the characteristic information of target user itself and its spend characteristic information more
Pre-set XGBoost model is inputted whether overdue may assess target user.XGBoost model passes through decision
Whether tree-model overdue may assess user.By the feature of user itself such as whether there are overdue record, APP to use habit
It is used, and the feature progress assessment prediction according to the determining more degree characteristic informations of contact person as decision tree, it can significantly improve
The accurate rate of assessment.
In conclusion a kind of overdue appraisal procedure of user provided by the invention, device and storage medium, method include: to obtain
The characteristic information and related information of target user are taken, related information includes the characteristic information of the contact person of target user, contact person
And the incidence coefficient of target user and contact person；According to the characteristic information of contact person and the incidence coefficient of target user and contact person
Determine more degree characteristic informations of target user；The characteristic information of target user and more degree characteristic informations are inputted into pre-set comment
Model is estimated whether overdue may assess target user.The characteristic information more spent by introducing more users, Neng Gougeng
Whether objectively may overdue assess user, overdue evaluation capacity whether possible for user user has significantly if adding
It is promoted.
In several embodiments provided herein, it should be understood that disclosed device and method can also pass through
Other modes are realized.The apparatus embodiments described above are merely exemplary, for example, flow chart and block diagram in attached drawing
Show the device of multiple embodiments according to the present invention, the architectural framework in the cards of method and computer program product,
Function and operation.In this regard, each box in flowchart or block diagram can represent the one of a module, section or code
Part, a part of the module, section or code, which includes that one or more is for implementing the specified logical function, to be held
Row instruction.It should also be noted that function marked in the box can also be to be different from some implementations as replacement
The sequence marked in attached drawing occurs.For example, two continuous boxes can actually be basically executed in parallel, they are sometimes
It can execute in the opposite order, this depends on the function involved.It is also noted that every in block diagram and or flow chart
The combination of box in a box and block diagram and or flow chart can use the dedicated base for executing defined function or movement
It realizes, or can realize using a combination of dedicated hardware and computer instructions in the system of hardware.
In addition, each functional module in each embodiment of the present invention can integrate one independent portion of formation together
Point, it is also possible to modules individualism, an independent part can also be integrated to form with two or more modules.
It, can be with if the function is realized and when sold or used as an independent product in the form of software function module
It is stored in a computer readable storage medium.Based on this understanding, technical solution of the present invention is substantially in other words
The part of the part that contributes to existing technology or the technical solution can be embodied in the form of software products, the meter
Calculation machine software product is stored in a storage medium, including some instructions are used so that a computer equipment (can be a
People's computer, server or network equipment etc.) it performs all or part of the steps of the method described in the various embodiments of the present invention.
And storage medium above-mentioned includes: that USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), arbitrary access are deposited
The various media that can store program code such as reservoir (RAM, Random Access Memory), magnetic or disk.
Although present disclosure is as above, present invention is not limited to this.Anyone skilled in the art are not departing from this
It in the spirit and scope of invention, can make various changes or modifications, therefore protection scope of the present invention should be with claim institute
Subject to the range of restriction.
Claims (10)
1. a kind of overdue appraisal procedure of user, which is characterized in that the described method includes:
The characteristic information and related information of target user are obtained, the related information includes the contact person of the target user, institute
State the characteristic information of contact person and the incidence coefficient of the target user and the contact person；
The target is determined according to the incidence coefficient of the characteristic information of the contact person and the target user and the contact person
More degree characteristic informations of user；
The characteristic information of the target user and more degree characteristic informations are inputted into pre-set assessment models to the target
Whether user overdue may assess.
2. the overdue appraisal procedure of user according to claim 1, which is characterized in that according to the characteristic information of the contact person
And the incidence coefficient of the target user and contact person the step of determining more degree characteristic informations of the target user, includes:
The feature weight of the contact person is determined according to the incidence coefficient of the target user and the contact person；
More degree features of the target user are determined according to the feature weight of the characteristic information of the contact person and the contact person
Information；Wherein, the more degree characteristic informations Yu the characteristic information of the contact person and the feature of the contact person of the target user
Weight meets following formula:
FA=w1*f1+w2*f2+ ... wn*fn；
In formula, FA refers to more degree characteristic informations of the target user；F1, f2 ... fn refer to the different contact persons' with identical dimensional
Characteristic information, w1, w2 ... wn refer to the feature weight of the corresponding contact person.
3. the overdue appraisal procedure of user according to claim 2, which is characterized in that the contact person includes once contacting
People, the once contact person, which refers to, has the contact person directly contacted with the target user, and more degree characteristic informations include
Once characteristic information, the once characteristic information is the weighted feature of the once contact person of the target user, described once to join
The feature weight for being people is association ratio, and the association ratio is the once incidence coefficient of contact person and the target user
The ratio between the incidence coefficient of all once contact persons；
More degree that the target user is determined according to the characteristic information of the contact person and the feature weight of the contact person
The step of characteristic information, comprising:
According to the once characteristic information of target user described in the characteristic information of the once contact person and the association ratio-dependent.
4. the overdue appraisal procedure of user according to claim 3, which is characterized in that the contact person includes two degree of connections
People, two degree of contact persons of the target user refer to the contact person for having phase identical degree contact person with the target user, described
More degree characteristic informations include two degree of characteristic informations, and two degree of characteristic informations are the weighting of two degree of contact persons of the target user
Feature, the feature weight of two degree of contact persons are two degree of contact persons relatively described once the association ratio of contact person and institute
State the product of the once feature weight of contact person；
More degree that the target user is determined according to the characteristic information of the contact person and the feature weight of the contact person
The step of characteristic information, comprising:
Determine the target user's according to the feature weight of the characteristic information of two degree of contact persons and two degree of contact persons
Two degree of characteristic informations.
5. the overdue appraisal procedure of user according to claim 1, which is characterized in that the characteristic information includes specified application
The use habit of program and whether have overdue loan record.
6. the overdue appraisal procedure of user according to claim 1, which is characterized in that obtain target user characteristic information and
After related information, the method also includes:
The characteristic information and the related information to the target user carry out desensitization process.
7. the overdue appraisal procedure of user according to claim 1, which is characterized in that by the characteristic information of the target user
And more degree characteristic informations input pre-set assessment models to the whether possible overdue step assessed of the target user
Suddenly include:
The characteristic information of the target user and more degree characteristic informations are inputted into pre-set XGBoost model to the mesh
Whether mark user overdue may assess.
8. a kind of overdue assessment device of user, which is characterized in that the overdue assessment device of user includes:
Data capture unit, for obtaining the characteristic information and related information of target user, the related information includes the mesh
Mark contact person, the characteristic information of the contact person and the incidence coefficient of the target user and the contact person of user；
Characteristics determining unit, for being associated with according to the characteristic information of the contact person and the target user and the contact person
Coefficient determines more degree characteristic informations of the target user；
Assessment unit, for the characteristic information of the target user and more degree characteristic informations to be inputted pre-set assessment models
Whether overdue may assess the target user.
9. the overdue assessment device of user according to claim 8, which is characterized in that the characteristics determining unit is used for basis
The incidence coefficient of the target user and the contact person determine the feature weight of the contact person；
The characteristics determining unit is also used to be determined according to the characteristic information of the contact person and the feature weight of the contact person
More degree characteristic informations of the target user；Wherein, the feature of more the degree characteristic informations and the contact person of the target user
The feature weight of information and the contact person meet following formula:
FA=w1*f1+w2*f2+ ... wn*fn；
In formula, FA refers to more degree characteristic informations of the target user；F1, f2 ... fn refer to the different contact persons' with identical dimensional
Characteristic information, w1, w2 ... wn refer to the feature weight of the corresponding contact person.
10. a kind of computer readable storage medium, which is characterized in that be stored with computer journey on the computer readable storage medium
Sequence executes the user overdue assessment side as described in claim 1~7 any one when the computer program is run by processor
Method.
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