CN119180704A - Dynamic authorization management method and system based on bank ecological scene business - Google Patents
Dynamic authorization management method and system based on bank ecological scene business Download PDFInfo
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Abstract
The invention discloses a dynamic authorization management method based on a bank ecological scene service, which comprises the steps of setting a span duration threshold, dividing the span duration threshold into a plurality of evaluation periods at equal intervals, numbering each evaluation period, obtaining credit scores of users in each evaluation period in the historical span duration threshold, calculating historical credit degrees of the users, obtaining industry information of the users, calculating income indexes of the users, and establishing a user income curve. Selecting a reference user consistent with the user industry, establishing an industry income curve, calculating a quotation difference value, calculating a credit index of the user if the historical credit rating of the user is greater than or equal to 1 and the quotation difference value is less than or equal to 0, setting a credit index threshold value and authority levels, corresponding each service type to one authority level, dividing the authority level of the user according to the credit index of the user, and adjusting the access authority of the user according to the actual credit condition of the user in real time, thereby improving the safety and flexibility of authorization.
Description
Technical Field
The invention relates to the technical field of dynamic authorization management, in particular to a dynamic authorization management method and system based on bank ecological scene business.
Background
The bank ecological scene business refers to a relationship network of interaction and dependency between the bank business and the surrounding environment, and is embodied as interaction between the bank and individual users, enterprises, financial markets, technical suppliers and the like, and a financial ecological system is jointly constructed, wherein for the individual users, the credit of the users needs to be considered when the users transact credit card application, loan approval, credit card approval, credit rating, personal mortgage and other businesses.
The dynamic authorization management is a security mechanism for dynamically granting or revoking the access rights of users to resources in real time, and the bank needs to perform continuous risk assessment on the behaviors, credit records and transaction backgrounds of the users, for example, when the behaviors of the users are abnormal or the credit risks are increased, the dynamic authorization management can instantly adjust the transaction rights or service ranges of the users, so that the occurrence of risk events is effectively prevented.
In the prior art, banks evaluate the credit of users to obtain the credit level of the users, then set the corresponding authority level according to the credit level of the users, and the business scope included by different authority levels is different, and synchronously adjust the corresponding authority level according to the change of the credit level of the users in real time, thus completing the dynamic authorization management of banking business, but the income and repayment capacity of the users are often influenced by macroscopic economic environment and the situation of industries, for example, the employment opportunities are rich, the income is stable, the credit condition of the users is generally better in the economic prosperity period, and the loss rate is increased, the income is reduced, the default rate and the credit risk are increased in the economic decline period, therefore, the credit evaluation is a comprehensive and dynamic process, not only the current income and repayment capacity are considered, but also the credit history and macroscopic economic environment of the users are comprehensively considered, and the influence on the credit level of the users due to the short-term economic fluctuation is avoided.
Disclosure of Invention
The invention aims to provide a dynamic authorization management method and system based on bank ecological scene business, which solve the technical problems.
The aim of the invention can be achieved by the following technical scheme:
a dynamic authorization management method based on bank ecological scene business comprises the following steps:
step S1, setting a span duration threshold, equally dividing the span duration threshold into a plurality of evaluation periods, and numbering each evaluation period;
step S2, obtaining credit scores of the user in each evaluation period within the historical span duration threshold Wherein I i is the ith credit index, w i is the scoring weight of the ith credit index, and n is the total number of the credit indexes;
obtaining historical credit for a user Wherein CS' is a preset standard credit score, CS e is a credit score of the e-th evaluation period, and m is the total number of evaluation periods;
Step S3, acquiring the industry of the user, and acquiring standard income Inc' of the industry, wherein Inc is the actual income of the user, and acquiring the income index of each evaluation period of the user in a historical span duration threshold value, and establishing a user income curve f (x), wherein x is the number of the evaluation period;
Selecting all reference users consistent with industries of the users, acquiring income indexes of the reference users in each evaluation period within a historical span duration threshold value, and establishing an industry income curve g (x), and obtaining a quotation difference value Wherein MC ' is a preset difference threshold, f ' (e) is a derivative value of x=e on the user income curve, and g ' (e) is a derivative value of x=e on the industry income curve;
step S4, if HC is more than or equal to 1 and D is less than or equal to 0, obtaining a credit index CI of the user:
Wherein lambda is a preset correction coefficient and lambda >0, CS k is the credit score of the user in the kth evaluation period, CS 0 is the credit score of the reference user in the evaluation period, and CS 0k is the credit score of the reference user in the kth evaluation period;
And step S5, setting a plurality of credit index thresholds, obtaining a plurality of authority levels according to the credit index thresholds, acquiring all service types, corresponding each service type to one authority level, and dividing the authority levels of the users according to the credit indexes of the users.
The invention further provides a method for dividing the span duration threshold, which comprises the following steps:
setting a time interval threshold T, wherein the setting range of the time interval threshold T is [1month,3 montants ], selecting one node at intervals within the span duration threshold to obtain a plurality of nodes, and forming an evaluation period by every two adjacent nodes to obtain a plurality of evaluation periods.
The credit index comprises a repayment history, debt line, credit history length, credit account combination and new account condition, and the scoring weights of the credit index are 35%, 30%, 15%, 10% and 10% in sequence.
As a further aspect of the invention, the standard credit score is set to a range of [600,800].
As a further proposal of the invention, the establishment process of the industry income curve comprises the following steps:
acquiring the income index { Dec 1,Dec1,...,Decnum } of all the reference users in the evaluation period, wherein Dec 1 is the income index of the 1 st reference user in the evaluation period, num is the total number of the reference users, and acquiring the income index average value of the reference users in the evaluation period as follows And establishing an industry income curve according to the number of each evaluation period and the income index average value of the reference user in each evaluation period.
As a further aspect of the present invention, in step S4, if HC <1 or D >0 is present, the credit index of the user is obtained
As a further proposal of the invention, the process of dividing the authority level of the user comprises the following steps:
Obtaining a set number N of the credit index threshold values, obtaining the credit indexes of all users to obtain an index set, obtaining a credit index mean CI ave according to the index set, and obtaining a standard deviation sigma of the index set;
When N is even, selecting the Nth/2 th credit index threshold CI N/2' and setting CI N/2′＝CIave, if j < N/2, then the jth credit index threshold If j > N/2, then the jth credit index threshold
When N is odd, selecting (N+1)/2 credit index threshold CI (N+1)/2' and setting CI (N+1)/2′＝CIave, if j < (N+1)/2, then j th credit index thresholdIf j > (N+1)/2, then the jth credit index threshold value
As a further scheme of the invention, the dynamic authorization management system based on the bank ecological scene business comprises:
the preprocessing module is used for setting a span duration threshold, equally dividing the span duration threshold into a plurality of evaluation periods, and numbering each evaluation period;
The historical credit analysis module is used for obtaining the credit scores of the users in each evaluation period within the historical span duration threshold Wherein I i is the ith credit index, w i is the scoring weight of the ith credit index, and n is the total number of the credit indexes;
obtaining historical credit for a user Wherein CS' is a preset standard credit score, CS e is a credit score of the e-th evaluation period, and m is the total number of evaluation periods;
The quotation analysis module is used for acquiring the industry of the user and acquiring standard income Inc 'of the industry to acquire income index Dex=Inc/Inc' of the user, wherein Inc is the actual income of the user;
Selecting all reference users consistent with industries of the users, acquiring income indexes of the reference users in each evaluation period within a historical span duration threshold value, and establishing an industry income curve g (x), and obtaining a quotation difference value Wherein MC ' is a preset difference threshold, f ' (e) is a derivative value of x=e on the user income curve, and g ' (e) is a derivative value of x=e on the industry income curve;
And the credit index determining module is used for obtaining the credit index CI of the user if HC is more than or equal to 1 and D is less than or equal to 0:
Wherein lambda is a preset correction coefficient and lambda >0, CS k is the credit score of the user in the kth evaluation period, CS 0 is the credit score of the reference user in the evaluation period, and CS 0k is the credit score of the reference user in the kth evaluation period;
the authorization module is used for setting a plurality of credit index thresholds, obtaining a plurality of authority levels according to the credit index thresholds, obtaining all service types, corresponding each service type to one authority level, and dividing the authority levels of the users according to the credit indexes of the users.
As a further aspect of the invention a computer readable storage medium storing a computer program which when executed by a processor implements the method of any one of the above.
As a further aspect of the invention a server comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that the processor implements the method according to any of the preceding claims when executing the computer program.
The invention has the beneficial effects that:
In the prior art, banks evaluate the credit of users to obtain the credit level of the users, then set the corresponding authority level according to the credit level of the users, and the business scope included by different authority levels is different, and synchronously adjust the corresponding authority level according to the change of the credit level of the users in real time, thus completing the dynamic authorization management of banking business, but the income and repayment capacity of the users are often influenced by macroscopic economic environment and the situation of industries, for example, the employment opportunities are rich, the income is stable, the credit condition of the users is generally better in the economic prosperity period, and the loss rate is increased, the income is reduced, the default rate and the credit risk are increased in the economic decline period, therefore, the credit evaluation is a comprehensive and dynamic process, not only the current income and repayment capacity are considered, but also the credit history and macroscopic economic environment of the users are comprehensively considered, and the influence on the credit level of the users due to the short-term economic fluctuation is avoided.
Compared with the prior art, the method and the system for evaluating the credit status of the user by considering the historical credit rating and the income index of the user, the method and the system for evaluating the credit status of the user more comprehensively evaluate the credit status of the user, the historical credit rating reflects the long-term trend and stability of the credit score of the user, the income index provides instant snapshot of the economic status of the user, an industry income curve is introduced, the income performance of the user is compared with other users in the same industry, the economic status of the user in the industry is helped to be understood, so that more accurate credit evaluation is provided, the credit index is calculated, different thresholds are set to dynamically adjust the authority level of the user, the access authority of the user can be adjusted in real time according to the actual credit status of the user, the authorized safety and flexibility are improved, and the method and the system can be rapidly suitable for market and economic changes due to the division of evaluation period and the periodical update of the credit index, and the timeliness and the accuracy of the credit evaluation are kept.
Drawings
The invention is further described below with reference to the accompanying drawings.
Fig. 1 is a schematic structural diagram of a dynamic authorization management method and system based on a bank ecological scene service.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Referring to fig. 1, the invention discloses a dynamic authorization management method based on a bank ecological scene service, which comprises the following steps:
step S1, setting a span duration threshold, equally dividing the span duration threshold into a plurality of evaluation periods, and numbering each evaluation period;
It will be appreciated that the span length threshold is typically set to be greater than or equal to 6 months, helping to find occasional credit fluctuations, providing a more stable credit score;
In a preferred embodiment of the present invention, the dividing of the span duration threshold includes:
Setting a time interval threshold T, wherein the setting range of the time interval threshold T is [1month,3 montants ]; selecting a node at intervals within the span duration threshold to obtain a plurality of nodes, and forming an evaluation period by every two adjacent nodes to obtain a plurality of evaluation periods;
It will be appreciated that the time interval threshold represents the frequency of evaluation within the span length threshold, that within the preset span length threshold, a node is selected every other time interval T according to the set time interval threshold T, that if the span length is one year and the time interval threshold T is set to2 months, for example, then a node will be selected for each of 2 months, 4 months, 6 months, 8 months, 10 months and 12 months, and the evaluation period will be (2 months, 4 months), (4 months, 6 months), (6 months, 8 months), (8 months, 10 months) (10 months, 12 months);
step S2, obtaining credit scores of the user in each evaluation period within the historical span duration threshold Wherein I i is the ith credit index, w i is the scoring weight of the ith credit index, and n is the total number of the credit indexes;
obtaining historical credit for a user Wherein CS' is a preset standard credit score, CS e is a credit score of the e-th evaluation period, and m is the total number of evaluation periods;
It can be appreciated that the credit score considers the different influence degree of different credit indexes on the total credit score, and reflects the difference by giving different weights, and the historical credit degree determines the credit condition of the user in the span duration threshold by analyzing the change of the credit score of the user in different evaluation periods relative to a standard credit score;
in a preferred embodiment of the invention, the credit index comprises a repayment history, debt units, a credit history length, a credit account combination and a new account condition, wherein the scoring weights of the credit index are 35%, 30%, 15%, 10% and 10% in sequence;
It should be noted that, the credit score is based on FICO model, the repayment history is records of repayment of loan and credit card liabilities of borrowers, including overdue condition, overdue amount, number of times and the like, the debt line is a proportion of the total amount of the current liabilities of the borrowers, including credit card balance, loan balance and the like, and the liabilities account for the available credit line, the length of the credit history is the time of opening the credit account of the borrowers and the length of the credit history, the credit account combination is the length of different types of credit accounts held by the borrowers, such as credit cards, house loans, car loans and the like, the new account condition is the number of new credit accounts recently opened by the borrowers, the credit score is 300,850, and the higher the score indicates the lower credit risk;
In a preferred embodiment of the present invention, the standard credit score is set to be in the range of [600,800];
It is noted that the credit score is lower than 600, the default ratio of borrowers is higher, the default ratio is obviously reduced when the credit score is higher than 800, and the standard credit score is set to be 600, 800;
Step S3, acquiring the industry of the user, and acquiring standard income Inc' of the industry, wherein Inc is the actual income of the user, and acquiring the income index of each evaluation period of the user in a historical span duration threshold value, and establishing a user income curve f (x), wherein x is the number of the evaluation period;
Selecting all reference users consistent with industries of the users, acquiring income indexes of the reference users in each evaluation period within a historical span duration threshold value, and establishing an industry income curve g (x), and obtaining a quotation difference value Wherein MC ' is a preset difference threshold, f ' (e) is a derivative value of x=e on the user income curve, and g ' (e) is a derivative value of x=e on the industry income curve;
It should be noted that the standard income generally takes average income or median income of all users in the industry, the income index Dex reflects the ratio of the income of the users relative to the industry standard, and the income of each user has larger value and uneven dispersion, so that the income index replaces specific value, simplifies the value and is convenient for establishing the income curve of the industry;
it can be appreciated that the industry income curve reflects the market conditions of the industry and is used for representing the income change trend of the whole industry, the user income curve is used for representing the income change trend of the user, whether the economic condition of the user is influenced by the market conditions or not is evaluated by comparing the income change trend of the user with the income change trend of the whole industry, the market condition difference D reflects the consistency between the income increase of the user and the income increase of the industry, if the D value is smaller, the income increase of the user is more consistent with the average level of the industry, and if the D value is larger, the income increase of the user is obviously different from the average level of the industry;
in a preferred embodiment of the present invention, the establishment of the industry revenue curve includes:
acquiring the income index { Dec 1,Dec1,...,Decnum } of all the reference users in the evaluation period, wherein Dec 1 is the income index of the 1 st reference user in the evaluation period, num is the total number of the reference users, and acquiring the income index average value of the reference users in the evaluation period as follows Establishing an industry income curve according to the number of each evaluation period and the income index average value of the reference user in each evaluation period;
It can be understood that the average value of the income indexes of all the reference users represents the average income level of all the reference users in a specific evaluation period, the number of the evaluation period is used as an abscissa, the income index average value of the reference users in each evaluation period is used as an ordinate, a rectangular coordinate system is established, the number of each evaluation period and the corresponding income index average value are converted into coordinate points at corresponding positions on the rectangular coordinate system, and the coordinate points are connected by a smooth curve to obtain an industry income curve, in addition, the industry income curve is constructed by averaging the income indexes of a plurality of reference users, and a standardized method is provided for comparing the average income level of industries in different periods, so that the influence of income fluctuation of individual users on analysis results can be reduced, the economic condition and income trend of the whole industry can be better revealed, and the income curve of the whole industry can be used as an important reference to help evaluate whether the income level of the users accords with the industry standard;
step S4, if HC is more than or equal to 1 and D is less than or equal to 0, obtaining a credit index CI of the user:
Wherein lambda is a preset correction coefficient and lambda >0, CS k is the credit score of the user in the kth evaluation period, CS 0 is the credit score of the reference user in the evaluation period, and CS 0k is the credit score of the reference user in the kth evaluation period;
It will be appreciated that the correction factor λ is used to adjust the scale of the credit index, the calculation of the credit index is intended to measure the credit status of the user while taking into account its historical credit performance and revenue performance relative to industry standards;
It should be noted that the number of the substrates, Representing the mean value of the credit scores of the user in the previous m-1 evaluation periods; representing the difference between the average of credit scores of all reference users in the first m-1 evaluation periods and the average of credit scores in the first m evaluation periods;
in a preferred embodiment of the invention, if HC <1 or D >0 is present, the credit index of the user is obtained
It will be appreciated that when HC <1, it indicates that the user's historical credit rating is poor, and when D >0, it indicates that the user's trend of revenue growth is significantly positive compared to industry, at which point the user's credit index is equal to his credit score;
Step S5, setting a plurality of credit index thresholds, and obtaining a plurality of authority levels according to the credit index thresholds;
in a preferred embodiment of the present invention, the process of dividing the authority level of the user includes:
Obtaining a set number N of the credit index threshold values, obtaining the credit indexes of all users to obtain an index set, obtaining a credit index mean CI ave according to the index set, and obtaining a standard deviation sigma of the index set;
When N is even, selecting the Nth/2 th credit index threshold CI N/2' and setting CI N/2′＝CIave, if j < N/2, then the jth credit index threshold If j > N/2, then the jth credit index threshold
When N is odd, selecting (N+1)/2 credit index threshold CI (N+1)/2' and setting CI (N+1)/2′＝CIave, if j < (N+1)/2, then j th credit index thresholdIf j > (N+1)/2, then the jth credit index threshold value
It can be understood that the credit index threshold is used for distinguishing different credit levels, each two adjacent credit index thresholds form an interval, each interval corresponds to one authority level, the service type comprises all services available for users to apply or use, each service type corresponds to one authority level, different service types can require the users to have different credit levels to access or apply, the users can be divided into corresponding authority levels according to the comparison result of the credit index of the users and the preset threshold, the credit index of the users is obtained in real time, and the authority levels of the users are adjusted in real time according to the credit index.
The invention also provides a dynamic authorization management system based on the bank ecological scene service, which comprises:
the preprocessing module is used for setting a span duration threshold, equally dividing the span duration threshold into a plurality of evaluation periods, and numbering each evaluation period;
The historical credit analysis module is used for obtaining the credit scores of the users in each evaluation period within the historical span duration threshold Wherein I i is the ith credit index, w i is the scoring weight of the ith credit index, and n is the total number of the credit indexes;
obtaining historical credit for a user Wherein CS' is a preset standard credit score, CS e is a credit score of the e-th evaluation period, and m is the total number of evaluation periods;
The quotation analysis module is used for acquiring the industry of the user and acquiring standard income Inc 'of the industry to acquire income index Dex=Inc/Inc' of the user, wherein Inc is the actual income of the user;
Selecting all reference users consistent with industries of the users, acquiring income indexes of the reference users in each evaluation period within a historical span duration threshold value, and establishing an industry income curve g (x), and obtaining a quotation difference value Wherein MC ' is a preset difference threshold, f ' (e) is a derivative value of x=e on the user income curve, and g ' (e) is a derivative value of x=e on the industry income curve;
And the credit index determining module is used for obtaining the credit index CI of the user if HC is more than or equal to 1 and D is less than or equal to 0:
Wherein lambda is a preset correction coefficient and lambda >0, CS k is the credit score of the user in the kth evaluation period, CS 0 is the credit score of the reference user in the evaluation period, and CS 0k is the credit score of the reference user in the kth evaluation period;
the authorization module is used for setting a plurality of credit index thresholds, obtaining a plurality of authority levels according to the credit index thresholds, obtaining all service types, corresponding each service type to one authority level, and dividing the authority levels of the users according to the credit indexes of the users.
The invention also provides a computer readable storage medium storing a computer program which when executed by a processor implements a method as claimed in any one of the preceding claims.
The invention also provides a server comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that the processor implements the method according to any of the preceding claims when executing the computer program.
It should be noted that, because the content of information interaction and execution process between the above devices/units is based on the same concept as the method embodiment of the present application, specific functions and technical effects thereof may be referred to in the method embodiment section, and will not be described herein.
It will be apparent to those skilled in the art that, for convenience and brevity, only the above-described division of the functional elements and circuits is illustrated, and that, in practical applications, the above-described functional allocations may be implemented by different functional elements and circuits, i.e., the internal structures of the circuits are divided into different functional elements or circuits to implement all or part of the above-described functions. The functional elements and circuits in the embodiments may be integrated in one processing element, or each element may exist alone physically, or two or more elements may be integrated in one element, where the integrated elements may be implemented in hardware or software functional elements. In addition, specific names of the functional elements and circuits are only for distinguishing from each other, and are not intended to limit the scope of the present application. The specific working process of the elements and circuits in the above system may refer to the corresponding process in the foregoing method embodiment, which is not described herein again.
The integrated units described above, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the present invention may implement all or part of the flow of the method of the above embodiment, or may be implemented by a computer program to instruct related hardware, where the computer program may be stored in a computer readable storage medium, and when the computer program is executed by a processor, the computer program may implement the steps of each of the method embodiments described above. . Wherein the computer program comprises computer program code which may be in source code form, object code form, executable file or some intermediate form etc. The computer readable medium may include any entity or circuitry capable of carrying the computer program code, a recording medium, a U disk, a removable hard disk, a magnetic disk, an optical disk, a computer Memory, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), an electrical carrier signal, a telecommunications signal, a software distribution medium, and so forth. It should be noted that the computer readable medium contains content that can be appropriately scaled according to the requirements of jurisdictions in which such content is subject to legislation and patent practice, such as in certain jurisdictions in which such content is subject to legislation and patent practice, the computer readable medium does not include electrical carrier signals and telecommunication signals.
In the foregoing embodiments, the descriptions of the embodiments are emphasized, and in part, not described or illustrated in any particular embodiment, reference is made to the related descriptions of other embodiments.
Those of ordinary skill in the art will appreciate that the elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
In the embodiments provided in the present invention, it should be understood that the disclosed circuits/terminal devices and methods may be implemented in other manners. For example, the circuit/terminal device embodiments described above are merely illustrative, e.g., the division of the circuits or elements is merely a logical function division, and there may be additional divisions in actual implementation, e.g., multiple elements or circuits may be combined or integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection via interfaces, circuits or elements, which may be electrical, mechanical or otherwise.
The elements described as separate components may or may not be physically separate, and components shown as elements may or may not be physical elements, i.e., may be located in one place, or may be distributed over multiple network elements. Some or all of the elements may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
The foregoing embodiments are merely for illustrating the technical solution of the present application, but not for limiting the same, and although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those skilled in the art that the technical solution described in the foregoing embodiments may be modified or substituted for some of the technical features thereof, and that these modifications or substitutions should not depart from the spirit and scope of the technical solution of the embodiments of the present application.
Claims (10)
1. The dynamic authorization management method based on the bank ecological scene service is characterized by comprising the following steps:
step S1, setting a span duration threshold, equally dividing the span duration threshold into a plurality of evaluation periods, and numbering each evaluation period;
step S2, obtaining credit scores of the user in each evaluation period within the historical span duration threshold Wherein I i is the ith credit index, w i is the scoring weight of the ith credit index, and n is the total number of the credit indexes;
obtaining historical credit for a user Wherein CS' is a preset standard credit score, CS e is a credit score of the e-th evaluation period, and m is the total number of evaluation periods;
Step S3, acquiring the industry of the user, and acquiring standard income Inc' of the industry, wherein Inc is the actual income of the user, and acquiring the income index of each evaluation period of the user in a historical span duration threshold value, and establishing a user income curve f (x), wherein x is the number of the evaluation period;
Selecting all reference users consistent with industries of the users, acquiring income indexes of the reference users in each evaluation period within a historical span duration threshold value, and establishing an industry income curve g (x), and obtaining a quotation difference value Wherein MC ' is a preset difference threshold, f ' (e) is a derivative value of x=e on the user income curve, and g ' (e) is a derivative value of x=e on the industry income curve;
step S4, if HC is more than or equal to 1 and D is less than or equal to 0, obtaining a credit index CI of the user:
Wherein lambda is a preset correction coefficient and lambda >0, CS k is the credit score of the user in the kth evaluation period, CS 0 is the credit score of the reference user in the evaluation period, and CS 0k is the credit score of the reference user in the kth evaluation period;
And step S5, setting a plurality of credit index thresholds, obtaining a plurality of authority levels according to the credit index thresholds, acquiring all service types, corresponding each service type to one authority level, and dividing the authority levels of the users according to the credit indexes of the users.
2. The method for dynamic authorization management based on banking ecology scene traffic as recited in claim 1, wherein in step S1, the dividing process of span duration threshold includes:
setting a time interval threshold T, wherein the setting range of the time interval threshold T is [1month,3 montants ], selecting one node at intervals within the span duration threshold to obtain a plurality of nodes, and forming an evaluation period by every two adjacent nodes to obtain a plurality of evaluation periods.
3. The method according to claim 1, wherein in step S2, the credit index includes a repayment history, debt units, a credit history length, a credit account combination, and a new account status, and the scoring weights of the credit index are 35%, 30%, 15%, 10% and 10% in order.
4. The method for dynamic authorization management based on banking ecology scene traffic of claim 1, wherein in step S2, the setting range of the standard credit score is [600,800].
5. The method for dynamic authorization management based on banking ecology scene traffic as recited in claim 1, wherein in step S3, the establishment procedure of the industry income curve comprises:
acquiring the income index { Dec 1,Dec1,...,Decnum } of all the reference users in the evaluation period, wherein Dec 1 is the income index of the 1 st reference user in the evaluation period, num is the total number of the reference users, and acquiring the income index average value of the reference users in the evaluation period as follows And establishing an industry income curve according to the number of each evaluation period and the income index average value of the reference user in each evaluation period.
6. The method according to claim 1, wherein in step S4, if HC <1 or D >0 is present, the credit index of the user is obtained
7. The method for dynamic authorization management based on a banking ecology scene service according to claim 1, wherein the process of dividing the authority level of the user in step S5 comprises:
Obtaining a set number N of the credit index threshold values, obtaining the credit indexes of all users to obtain an index set, obtaining a credit index mean CI ave according to the index set, and obtaining a standard deviation sigma of the index set;
When N is even, selecting the Nth/2 th credit index threshold CI N/2' and setting CI N/2′＝CIave, if j < N/2, then the jth credit index threshold If j > N/2, then the jth credit index threshold
When N is odd, selecting (N+1)/2 credit index threshold CI (N+1)/2' and setting CI (N+1)/2′＝CIave, if j < (N+1)/2, then j th credit index thresholdIf j > (N+1)/2, then the jth credit index threshold value
8. The dynamic authorization management system based on the bank ecological scene service is characterized by comprising the following components:
the preprocessing module is used for setting a span duration threshold, equally dividing the span duration threshold into a plurality of evaluation periods, and numbering each evaluation period;
The historical credit analysis module is used for obtaining the credit scores of the users in each evaluation period within the historical span duration threshold Wherein I i is the ith credit index, w i is the scoring weight of the ith credit index, and n is the total number of the credit indexes;
obtaining historical credit for a user Wherein CS' is a preset standard credit score, CS e is a credit score of the e-th evaluation period, and m is the total number of evaluation periods;
The quotation analysis module is used for acquiring the industry of the user and acquiring standard income Inc 'of the industry to acquire income index Dex=Inc/Inc' of the user, wherein Inc is the actual income of the user;
Selecting all reference users consistent with industries of the users, acquiring income indexes of the reference users in each evaluation period within a historical span duration threshold value, and establishing an industry income curve g (x), and obtaining a quotation difference value Wherein MC ' is a preset difference threshold, f ' (e) is a derivative value of x=e on the user income curve, and g ' (e) is a derivative value of x=e on the industry income curve;
And the credit index determining module is used for obtaining the credit index CI of the user if HC is more than or equal to 1 and D is less than or equal to 0:
Wherein lambda is a preset correction coefficient and lambda >0, CS k is the credit score of the user in the kth evaluation period, CS 0 is the credit score of the reference user in the evaluation period, and CS 0k is the credit score of the reference user in the kth evaluation period;
the authorization module is used for setting a plurality of credit index thresholds, obtaining a plurality of authority levels according to the credit index thresholds, obtaining all service types, corresponding each service type to one authority level, and dividing the authority levels of the users according to the credit indexes of the users.
9. A computer readable storage medium storing a computer program which, when executed by a processor, implements the method of any one of claims 1-7.
10. A server comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 7 when the computer program is executed.
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| US20060195394A1 (en) * | 2005-02-28 | 2006-08-31 | Searete Llc, A Limited Liability Corporation Of The State Of Delaware | Payment options for virtual credit |
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