Method and device for screening users and electronic equipment

一种用户、用户数据的技术,应用在数据处理应用、市场预测、仪器等方向,能够解决动支金额促动作用有限、客户覆盖率低、不利风险水平等问题,达到优化整体风险与收益的效果

Pending Publication Date: 2020-02-18
BEIJING QIYU INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The risk quality of the top customers selected by the existing technology is indeed good, but compared with the coverage rate of all customers, the promotion effect on the amount of mobile payment is relatively limited, and it is not conducive to the long-term optimization of the overall risk level, and the promotion of mobile payment. business income

Method used

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Examples

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Embodiment Construction

[0037] Exemplary embodiments of the present invention will now be described more fully with reference to the accompanying drawings. However, example embodiments may be embodied in many forms, and this invention should not be construed as limited to the embodiments set forth herein. On the contrary, providing these exemplary embodiments can make the present invention more comprehensive and complete, and facilitate the full transfer of the inventive concept to those skilled in the art. The same reference numerals denote the same or similar elements, components or parts in the drawings, and thus their repeated descriptions will be omitted.

[0038] On the premise of conforming to the technical concept of the present invention, the features, structures, characteristics or other details described in a specific embodiment do not exclude that they can be combined in one or more other embodiments in a suitable manner.

[0039] In the description of the specific embodiments, the featu...

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PUM

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Abstract

The invention discloses a method and device for screening users, electronic equipment and a computer readable medium, and the method comprises the steps: obtaining user data, and creating a user riskportrait; dividing the users into a plurality of customer groups according to the user risk portraits; constructing a risk rule, and filtering the users in the plurality of customer groups according to the risk rule; segmenting the users in the filtered customer groups to form customer group blocks; and screening the customer group blocks according to the income and risk data of the customer groupblocks to complete user screening. According to the invention, the customer groups can be divided through the user risk portraits, and the users in different customer groups are screened in combination with the risk rules and the user behavior scores, so that accurate risk control is achieved.

Description

technical field [0001] The present invention relates to the field of computer information processing, in particular to a method, device, electronic equipment and computer-readable medium for screening users. Background technique [0002] In the prior art, when adjusting the amount by screening target customers, the financial platform often pays attention to the risk level of the target customers, and uses a unified policy threshold for verification. The risk quality of the top customers selected by the existing technology is indeed good, but compared with the coverage rate of all customers, the promotion effect on the amount of mobile payment is relatively limited, and it is not conducive to the long-term optimization of the overall risk level, and the promotion of mobile payment. business income. Contents of the invention [0003] The technical problem to be solved by the present invention is how to optimize the overall risk and benefit while improving the pass rate of u...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/02G06Q40/02
CPCG06Q30/0201G06Q30/0203G06Q40/03
Inventor 陶然张潮华朱明林郑彦
Owner BEIJING QIYU INFORMATION TECH CO LTD
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