CN109146122A - A kind of probability forecasting method, device, electronic equipment and computer storage medium - Google Patents
A kind of probability forecasting method, device, electronic equipment and computer storage medium Download PDFInfo
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- CN109146122A CN109146122A CN201810676342.3A CN201810676342A CN109146122A CN 109146122 A CN109146122 A CN 109146122A CN 201810676342 A CN201810676342 A CN 201810676342A CN 109146122 A CN109146122 A CN 109146122A
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Abstract
The embodiment of the invention discloses a kind of probability forecasting method, device, electronic equipment and computer storage mediums, wherein, method includes: by searching the second user with the first user-association in the preset database, it determines the degree of association of the first user and second user, and obtains the overdue record of second user；Further, according to the overdue record of second user, obtain second user feature and its corresponding the First Eigenvalue；Then according to the degree of association and the First Eigenvalue of the first user and second user, the overdue probability of the first user is obtained.By implementing the embodiment of the present invention, the overdue probability of the first user can be predicted according to the overdue record of second user.
Description
Technical field
The present invention relates to machine learning field more particularly to a kind of probability forecasting method, device, electronic equipment and computers
Storage medium.
Background technique
Risk control (abbreviation air control) refers to that risk managers adopt various measures and method, eliminates or event of reducing risks
Occur various possibilities, or reduce risks event occur when caused by loss.
Existing air control model can only carry out the overdue probability of old user pre- by the overdue situation of old user in the past
It surveys, and overdue prediction cannot be carried out to new user.Therefore, how to predict that the overdue probability of new user becomes technology urgently to be resolved
Problem.
Summary of the invention
It, can be with the embodiment of the invention discloses a kind of probability forecasting method, device, electronic equipment and computer storage medium
Predict the overdue probability of the first user (i.e. new user).
In a first aspect, this method may include: to receive prediction to ask the embodiment of the invention discloses a kind of probability forecasting method
It asks, the predictions request includes the first user identifier of the first user；It is determining in the preset database to be closed with first user
The second user of connection and the degree of association of first user and the second user；Obtain the overdue note of the second user
Record, feature and its corresponding the First Eigenvalue of the overdue record including the second user；Based on the degree of association and institute
The First Eigenvalue is stated, the overdue probability of first user is obtained.
In one implementation, the predictions request further includes the identity information and its corresponding of first user
Two characteristic values；It is described to be based on the degree of association and the First Eigenvalue, obtain the specific of the overdue probability of first user
Embodiment can be with are as follows: is based on the degree of association, the First Eigenvalue and the Second Eigenvalue, obtains first user
Overdue probability.
In one implementation, the determination in the preset database and the second user of first user-association
Specific embodiment can be with are as follows: obtained in the presetting database include first user identifier instant communication information
And/or overdue information；According to the instant communication information comprising first user identifier and/or overdue information, determine with
The second user of first user-association.
In one implementation, the pass for determining first user and the second user in the preset database
The specific embodiment of connection degree can be with are as follows: according to the instant communication information comprising first user identifier and/or overdue
Information determines the degree of association of first user and the second user.
In one implementation, the quantity of the second user can be multiple；It is described to be based on the degree of association and institute
The First Eigenvalue is stated, the specific embodiment for obtaining the overdue probability of first user can be with are as follows: be based on each described second
The degree of association of user and first user are weighted summation to the First Eigenvalue of each second user, obtain institute
State the overdue probability of the first user.
Second aspect, the embodiment of the invention discloses a kind of probabilistic forecasting device, the apparatus may include: receiving unit,
For receiving predictions request, the predictions request includes the first user identifier of the first user；Processing unit, in present count
According to the second user and first user of determination and first user-association in library and being associated with for the second user
Degree；The processing unit is also used to obtain the overdue record of the second user, and the overdue record includes the second user
Feature and its corresponding the First Eigenvalue；The processing unit is also used to based on the degree of association and the First Eigenvalue,
Obtain the overdue probability of first user.
In one implementation, the predictions request further includes the identity information and its corresponding of first user
Two characteristic values；The processing unit specifically can be used for based on the degree of association, the First Eigenvalue and the second feature
Value, obtains the overdue probability of first user.
In one implementation, the processing unit specifically can be used for obtaining in the presetting database comprising institute
State the first user identifier instant communication information and/or overdue information；According to described instant comprising first user identifier
Communication information and/or overdue information, the determining second user with first user-association.
In one implementation, the processing unit specifically can be used for according to described comprising first user identifier
Instant communication information and/or overdue information, determine the degree of association of first user and the second user.
In one implementation, the quantity of the second user can be multiple；The processing unit can specifically be used
In the degree of association based on each second user Yu first user, to the First Eigenvalue of each second user into
Row weighted sum obtains the overdue probability of first user.
The third aspect, it should include memory and processor, the storage that the embodiment of the invention discloses a kind of electronic equipment
Device is for storing computer program, and the computer program includes program instruction, and the processor is configured for described in calling
Program instruction executes method described in above-mentioned first aspect.
Fourth aspect, the embodiment of the invention discloses a kind of computer storage medium, the computer storage medium storage
There is computer program, the computer program includes program instruction, and described program instruction makes the place when being executed by a processor
Reason device executes method described in above-mentioned first aspect.
It, can be according to the overdue of the second user (i.e. old user) with the first user-association by implementing the embodiment of the present invention
The degree of association of record and the first user and second user predict the overdue probability of the first user (i.e. new user).
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.
Fig. 1 is a kind of flow diagram of probability forecasting method provided in an embodiment of the present invention；
Fig. 2 is the flow diagram of another probability forecasting method provided in an embodiment of the present invention；
Fig. 3 is a kind of schematic diagram of knowledge mapping provided in an embodiment of the present invention；
Fig. 4 is a kind of structural schematic diagram of probabilistic forecasting device provided in an embodiment of the present invention；
Fig. 5 is the structural schematic diagram of a kind of electronic equipment provided in an embodiment of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
The cardinal principle of the technical solution of the application may include: to be closed by searching in the preset database with the first user
The second user of connection, determines the degree of association of the first user and second user, and obtains the overdue record of second user；Further
, according to the overdue record of second user, obtain second user feature and its corresponding the First Eigenvalue；Then according to first
The degree of association and the First Eigenvalue of user and second user, obtain the overdue probability of the first user.I.e. the application can root
The overdue probability of the first user is predicted according to the overdue record of other users (i.e. second user).
Referring to Fig. 1, Fig. 1 is a kind of flow diagram of probability forecasting method provided in an embodiment of the present invention.Specifically,
As shown in Figure 1, the probability forecasting method of the embodiment of the present invention can include but is not limited to following steps:
S101, electronic equipment receive predictions request, which includes the first user identifier of the first user.
Specifically, electronic equipment can extract the predictions request includes first in the case where receiving predictions request
The first user identifier of user.Wherein, the first user identifier is used for the first user of unique identification, for example, the first user identifier can
To be identification card number or the pet name.It should be noted that the first user is new user, that is to say, that be not present in electronic equipment
The overdue record of first user.For example, when Zhang San provide a loan submit loan requests on platform A when, if Zhang San is before this simultaneously
There is not loan documentation on loan platform A, so the overdue record of Zhang San can not be inquired in loan platform A, at this point,
It provides a loan in platform A, Zhang San is new user.
In one implementation, electronic equipment can be terminal device, be also possible to server.Wherein, terminal device
It can be smart phone, tablet computer, personal computer (Personal Computer, PC), smart television, smartwatch, vehicle
Equipment, wearable device, the terminal in following 5th third-generation mobile communication technology (the 5th Generation, 5G) network is carried to set
It is standby etc..In one implementation, when electronic equipment is server, which can be terminal device transmission.When
When electronic equipment is terminal device, which can be automatically generates depending on the user's operation, the embodiment of the present invention pair
This is not construed as limiting.
S102, electronic equipment in the preset database determining second user with first user-association and this first
The degree of association of user and second user.
Specifically, electronic equipment can be searched and the associated second user mark of the first user identifier in the preset database
Know, second user is identified into corresponding user and is determined as second user, also, the first user identifier and second user are identified it
Between the degree of association be determined as the degree of association of the first user and second user.Wherein, the degree of association may be greater than 0 number, association
Degree can be used to indicate that the intimate degree between the first user and second user, and the degree of association is bigger, indicate the first user and second
Intimate degree between user is higher.
In one implementation, electronic equipment can preset the incidence relation between the first user and second user
And its degree of association.In one implementation, user can between customized first user and second user incidence relation and
Its degree of association, the embodiment of the present invention are not construed as limiting this.
In one implementation, electronic equipment can be by the incidence relation and third of the first user and second user
In the same incidence relation table of the incidence relation of user and other users storage in the preset database, wherein third user
Different from the first user (and second user), other users refer to the user for having incidence relation with third user.In another kind
In implementation, electronic equipment can be by the incidence relation of the first user and second user, the pass of third user and other users
Connection relationship is respectively stored in different incidence relation tables, and the embodiment of the present invention is not construed as limiting this.
In one implementation, there is the number of the second user of incidence relation can be 1 or more with the first user
It is a.When the number of the second user with the first user with incidence relation is multiple, each second user and first user
Between the degree of association it is mutually indepedent, i.e., the degree of association between each second user and first user can be identical, can also be with
It is different.For example, the incidence relation table of the first user and second user can be as follows:
The incidence relation table of table 1 first user and second user
| First user identifier | Second user mark | The degree of association |
| Zhang San | Li Si | 0.2 |
| Zhang San | King five | 0.3 |
S103, electronic equipment obtain second user overdue record, this it is overdue record include second user feature and its
Corresponding the First Eigenvalue.
In one implementation, overdue record can be stored in advance in the electronic device, alternatively, overdue record can be deposited
Beyond the clouds in server, electronic equipment obtains the overdue record of second user by access cloud server for storage.In a kind of realization
Whether whether in mode, which may include whether normally to refund, overdue and at least one of refused and its corresponding
Value.Wherein, when being refused to refer to that user submits credit information, auditing result is not pass through, and is rejected loans therefrom.For example, second
The overdue record of user can be as shown in the table:
The overdue record of 2 second user of table
| Second user mark | Whether normally refund | It is whether overdue | Whether refused |
| Li Si | 1 | 0 | 0 |
It should be noted that in the overdue record of second user, if the normal value refunding, is whether overdue, whether being refused
In only one value be 1, that is to say, that if second user belongs to normal refund, overdue and when by any one situation in refusing,
The value of remaining two kinds of situation is 0.
In one implementation, the feature of second user can for it is normal refund, it is overdue and by one in refusing.Example
Such as, if the overdue record of second user is as shown in table 2, the feature of second user is normally refund, and the spy of second user
Levying corresponding the First Eigenvalue is 1.
S104, electronic equipment are based on the aforementioned degree of association and the First Eigenvalue, obtain the overdue probability of the first user.Its
In, the value range of the overdue probability of the first user is [0,1].
Specifically, electronic equipment can be by the aforementioned degree of association and the fisrt feature when the feature of second user is overdue
The product of value is determined as the overdue probability of the first user.For example, when the degree of association of the first user and second user is 0.2, and the
The feature of two users be it is overdue, when the First Eigenvalue of the feature of second user is 1, the overdue probability of the first user are as follows: P=
0.2*1=0.2.
In one implementation, when the feature of second user is normal refunds, electronic equipment can be by the first user
Overdue determine the probability be 0.When the feature of second user is to be refused, electronic equipment can be true by the overdue probability of the first user
It is set to 1, further, blacklist can be added in the first user by electronic equipment.When electronic equipment is received about in blacklist
User loan requests when, can not have to carry out overdue prediction to the user, directly refuse the loan requests of the user.
In one implementation, when the number of the second user with the first user with incidence relation is multiple, electricity
Sub- equipment can the degree of association based on each second user Yu the first user, the First Eigenvalue of each second user is added
Power summation, obtains the overdue probability of the first user.For example, there is the of incidence relation with user 1 when the first user is user 1
The number of two users is 2, respectively user 2 and user 3, and the degree of association of user 1 and user 2 are 0.2, user 1 and use
The degree of association at family 3 is 0.3, the feature of user 2 and user 3 be it is overdue, the First Eigenvalue of the feature of user 2 and user 3 is equal
When being 1, the overdue probability of the first user are as follows: P=(0.2*1+0.3*1)/2=0.25.
It should be noted that the numerical value in above-mentioned example is only used for facilitating citing, do not constitute to the embodiment of the present invention
It limits.
It, can be according to the overdue of the second user (i.e. old user) with the first user-association by implementing the embodiment of the present invention
The degree of association of record and the first user and second user predict the overdue probability of the first user (i.e. new user).
Referring to Fig. 2, Fig. 2 is the flow diagram of another probability forecasting method provided in an embodiment of the present invention.Specifically
, as shown in Fig. 2, another probability forecasting method of the embodiment of the present invention can include but is not limited to following steps:
S201, electronic equipment receive predictions request, which includes the first user identifier of the first user, Yi Ji
The identity information of one user and its corresponding Second Eigenvalue.
Specifically, electronic equipment can extract the predictions request includes first in the case where receiving predictions request
The first user identifier of user, and extract the identity information and its corresponding Second Eigenvalue of the first user.Wherein, the first user
Identity information may include the first user gender, age bracket, educational background, if blacklist and the loan application of the first user letter
One or more of breath.The classification that the number and identity information of the corresponding Second Eigenvalue of the identity information of first user include
Number is identical, for example, when the identity information of the first user includes gender, age bracket and this academic 3 classifications of the first user, the
The quantity of the corresponding Second Eigenvalue of the identity information of one user is 3, and the gender corresponding second of respectively the first user
Characteristic value, the corresponding Second Eigenvalue of age bracket of the first user, the first user the corresponding Second Eigenvalue of educational background.
In one implementation, when the identity information of the first user includes multiple classifications, different classes of identity letter
Cease that corresponding Second Eigenvalue is mutually indepedent, i.e., the corresponding Second Eigenvalue of different classes of identity information can be identical, can also
With difference, the embodiment of the present invention is not construed as limiting this.
In one implementation, it after electronic equipment extracts the identity information of the first user, can also use first
The identity information at family carries out characteristic processing, obtains the corresponding Second Eigenvalue of identity information of the first user.For example, when the first use
The identity information at family includes gender, age bracket and this academic 3 classifications of the first user, and the gender of the first user is male, the
The age bracket of one user is the middle age, and when the educational background of the first user is master, electronic equipment carries out the identity information of the first user
After characteristic processing, the corresponding Second Eigenvalue of the gender of the first obtained user can be 0.1, and the age bracket of the first user is corresponding
Second Eigenvalue can be 0.2, the corresponding Second Eigenvalue of educational background of the first user can be 0.1.For another example, as the first user
Gender be female, the age bracket of the first user is youth, and when the educational background of the first user is undergraduate course, electronic equipment is to the first user's
After identity information carries out characteristic processing, the corresponding Second Eigenvalue of the gender of the first obtained user can be 0.2, the first user
The corresponding Second Eigenvalue of age bracket can be 0.3, the corresponding Second Eigenvalue of educational background of the first user can be 0.2.
In one implementation, the identity information of the first user can be the first user when submitting loan requests, by
First user input.
S202, electronic equipment obtain the instant communication information comprising the first user identifier in the preset database and/or exceed
Phase information.
Wherein, instant communication information can be the chat in the instant message applications such as message registration information, wechat or QQ
At least one of information is recorded, overdue information can be at least one of loan agreement information or aforementioned overdue record.
Correspondingly, the first user identifier can be the pet name, identification card number or the telephone number of the first user of the first user.
In one implementation, instant communication information and/or overdue information can recorde to have with the first user and be associated with
The user identifier of the second user of relationship, alternatively, instant communication information and/or overdue information can recorde and the first user identifier
Second user mark with incidence relation, wherein second user mark is corresponding with second user.
S203, electronic equipment are determined according to the instant communication information comprising the first user identifier and/or overdue information
With the second user of first user-association.
In one implementation, electronic equipment can according to it is described include the first user identifier overdue information, determine
With the second user of first user-association.In one implementation, electronic equipment can according to it is described include the first user
The instant communication information of mark and overdue information, the determining second user with first user-association.In one implementation,
Electronic equipment can first according to it is described include the first user identifier instant communication information, further according to it is described include the first user mark
The overdue information known, the determining second user with first user-association.In one implementation, electronic equipment can first root
According to it is described include the first user identifier overdue information, further according to it is described include the first user identifier instant communication information, really
Fixed and first user-association second user.
In one implementation, electronic equipment can according to it is described include the first user identifier instant communication information and
Overdue information, building include the knowledge mapping of the first user identifier, which has recorded to have with the first user and be associated with
The user identifier of the second user of system.In one implementation, electronic equipment can according to knowledge mapping, determine with this first
The second user of user-association.Specifically, electronic equipment can obtain the knowledge mapping, the knowledge mapping in the preset database
Vertex include user identifier or telephone number；And in the knowledge mapping, determine that vertex corresponding with the first user identifier is closed
At least one representative points of connection, the representative points pass through the side for meeting preset quantity vertex corresponding with first user identifier
It is connected；The corresponding user of user identifier that each representative points include is determined as the second user with first user-association.
By taking the schematic diagram of knowledge mapping shown in Fig. 3 as an example, wherein first, second, third, fourth, oneself be user identifier, A, B, C, D, E be phone
Number, when the first user identifier be first when, the associated representative points in the corresponding vertex of the first user identifier can for second, fourth, oneself
With third (i.e. second user can for second, fourth, oneself and third), wherein second and fourth pass through 2 sides and are connected with first, oneself leads to third
3 sides are crossed to be connected with first.
It should be noted that knowledge mapping shown in Fig. 3 is only used for illustrating, the restriction to the embodiment of the present invention is not constituted.
In other feasible implementations, knowledge mapping can also include other users mark and telephone number, it is to be understood that
It can also be connected by the side of 4,5,8 or other quantity between two user identifiers in knowledge mapping, the embodiment of the present invention
This is not construed as limiting.
S204, electronic equipment are determined according to the instant communication information comprising the first user identifier and/or overdue information
The degree of association of first user and second user.
In one implementation, if electronic equipment according to it is described include the first user identifier overdue information, determine with
The second user of first user-association, then electronic equipment can according to it is described include the first user identifier overdue information, really
The degree of association of fixed first user and second user.In one implementation, if electronic equipment is used according to described comprising first
The instant communication information of family mark and overdue information, the determining second user with first user-association, then electronic equipment can be with
According to it is described include the first user identifier instant communication information and overdue information, determine the pass of first user and second user
Connection degree.
In one implementation, if electronic equipment is according to knowledge mapping, determining second with first user-association is used
Family, then electronic equipment can determine the degree of association of first user and second user according to knowledge mapping.In a kind of implementation
In, if the corresponding vertex of the first user is connected in knowledge mapping by the side vertex corresponding with second user of preset quantity,
Then the preset quantity is smaller, and the degree of association of the first user and second user is bigger, and similarly, the preset quantity is bigger, the first user
It is smaller with the degree of association of second user.By taking the schematic diagram of knowledge mapping shown in Fig. 3 as an example, when the first user identifier is first,
The associated representative points in the corresponding vertex of first user identifier can be second, fourth, oneself and third (i.e. second user can be second, fourth,
Oneself and the third), wherein second and fourth pass through 2 sides and are connected with first, oneself and third pass through 3 sides be connected with first, at this point, first and second
The degree of association of (perhaps fourth) can be 0.6 first and the degree of association of oneself (or third) can be 0.4.
In one implementation, electronic equipment can be according to first degree of association and second of the first user and second user
The degree of association obtains the degree of association of the first user and second user.Specifically, electronic equipment can close first degree of association and second
The product of connection degree is determined as the degree of association of the first user and second user.Wherein, first degree of association can be according to aforementioned default
What quantity obtained.In one implementation, each side in knowledge mapping has weight, and electronic equipment can be according to knowledge graph
The weight on side associated with the first user, determines second degree of association in spectrum.In one implementation, electronic equipment is according to knowing
Know map, with after the second user of first user-association following steps can also be performed: in knowledge mapping, really in determination
Fixed at least one target line set corresponding with the first user identifier, which includes the side of aforementioned preset quantity, the
The corresponding vertex of one user identifier is connected with preceding aim vertex by all sides in the target line set；For each target
Line set determines second degree of association according to the weight on all sides in the target line set.
By taking the schematic diagram of knowledge mapping shown in Fig. 3 as an example, wherein when the number beside in knowledge mapping is this
Weight, when the first user identifier be first when, the associated representative points in the corresponding vertex of the first user identifier be second, fourth, oneself and
Third (i.e. second user can for second, fourth, oneself and third), wherein second and fourth pass through 2 sides and are connected with first, oneself is with third by 3
Side is connected with first.At this point, first degree of association of first and second (perhaps fourth) can be the first pass of 0.6 first and oneself (or third)
Connection degree can be 0.4, and second degree of association of first and second can be 0.4*0.4=0.16, and second degree of association of first and fourth can be
0.2*1=0.2, first and oneself second degree of association can be 0.3*0.7*1=0.21, and first and third second degree of association can be
0.2*0.3*1=0.06, therefore, the degree of association of first and second can be 0.6*0.16=0.096, and the degree of association of first and fourth can be
0.6*0.2=0.12, first and oneself degree of association can be 0.4*0.21=0.084, and first and third degree of association can be 0.4*
0.06=0.024.
S205, electronic equipment are based on the degree of association, aforementioned the First Eigenvalue and aforementioned Second Eigenvalue, obtain first use
The overdue probability at family.
Specifically, electronic equipment can be with when the number of the second user with the first user with incidence relation is multiple
The degree of association based on each second user Yu the first user is weighted summation to the First Eigenvalue of each second user, obtains
It sums to the first numerical value, and to the first numerical value and aforementioned Second Eigenvalue, obtained result is determined as the first user's
Overdue probability.For example, having the number of the second user of incidence relation with user 1 is 2, respectively when the first user is user 1
For user 2 and user 3, and the degree of association of user 1 and user 2 are 0.2, and the degree of association of user 1 and user 3 are 0.3, and user 2
Feature with user 3 be it is overdue, when the First Eigenvalue of the feature of user 2 and user 3 is 1, the first numerical value be (0.2*1+
0.3*1)/2=0.25；When the identity information of the first user includes the gender of the first user, age bracket and this academic 3 classifications,
And first the gender of user be male, the age bracket of the first user is the middle age, when the educational background of the first user is master, electronic equipment pair
After the identity information of first user carries out characteristic processing, the corresponding Second Eigenvalue of the gender of the first obtained user is 0.1, the
The corresponding Second Eigenvalue of the age bracket of one user is 0.2, when the corresponding Second Eigenvalue of educational background of the first user is 0.1, the
The overdue probability of one user are as follows: P=0.25+ (0.1+0.2+0.1)=0.65.
In one implementation, electronic equipment can also obtain the first coefficient and the second coefficient, wherein the first coefficient pair
Answer the identity information of the first user, the corresponding all second users with the first user-association of the second coefficient.In a kind of implementation
In, the first coefficient and the second coefficient can be electronic equipment default setting, and it is customized to be also possible to user, and the present invention is implemented
Example is not construed as limiting this.
In one implementation, after electronic equipment obtains the first coefficient and the second coefficient, it is also based on the association
Degree, the first coefficient, the second coefficient, aforementioned the First Eigenvalue and aforementioned Second Eigenvalue, obtain the overdue probability of first user.
For example, when being weighted summation to the First Eigenvalue of each second user with the first user-association, the first obtained numerical value
For (0.2*1+0.3*1)/2=0.25, and the gender corresponding of the first user obtained according to the identity information of the first user
Two characteristic values are 0.1, and the corresponding Second Eigenvalue of the age bracket of the first user is 0.2, the educational background corresponding second of the first user
Characteristic value is 0.1, and the first coefficient is 0.6, when the second coefficient is 0.4, the overdue probability of the first user are as follows: P=0.6*0.25+
0.4* (0.1+0.2+0.1)=0.31.
By implementing the embodiment of the present invention, not only according to the overdue of the second user (i.e. old user) with the first user-association
The degree of association of record and the first user and second user are (i.e. new to use to the first user also according to the identity information of the first user
Family) overdue probability predicted, compared to the overdue record and the first user and second user according only to second user
The degree of association, to the mode that the overdue probability of the first user is predicted, method used by the embodiment of the present invention is due to considering
The identity information of first user predicts the overdue probability of the first user, can be further improved prediction accuracy.
Fig. 4 is referred to, Fig. 4 is a kind of structural schematic diagram of probabilistic forecasting device provided in an embodiment of the present invention, specifically,
As shown in figure 4, the probabilistic forecasting device 40, may include:
Receiving unit 401, for receiving predictions request, which includes the first user identifier of the first user.
Processing unit 402, for determining second user with the first user-association in the preset database and this first
The degree of association of user and second user.
The processing unit 402 is also used to obtain the overdue record of second user, which includes the spy of second user
Sign and its corresponding the First Eigenvalue.
The processing unit 402 is also used to obtain the overdue general of the first user based on the aforementioned degree of association and the First Eigenvalue
Rate.
In one implementation, aforementioned predictions request further includes the identity information of the first user and its corresponding second special
Value indicative；Processing unit 402 specifically can be used for obtaining the first use based on the aforementioned degree of association, the First Eigenvalue and Second Eigenvalue
The overdue probability at family.
In one implementation, processing unit 402 specifically can be used for obtaining in the preset database and use comprising first
The instant communication information of family mark and/or overdue information；According to it is described include the first user identifier instant communication information and/or
Overdue information, the determining second user with the first user-association.
In one implementation, processing unit 402, specifically can be used for according to described comprising the first user identifier i.e.
When communication information and/or overdue information, determine the degree of association of the first user and second user.
In one implementation, the quantity of second user can be multiple；Processing unit 402, specifically can be used for base
In the degree of association of each second user and first user, summation is weighted to the First Eigenvalue of each second user, is obtained
To the overdue probability of first user.
Embodiment of the method shown in the embodiment of the present invention and Fig. 1, Fig. 2 is based on same design, bring technical effect also phase
Together, concrete principle please refers to the description of Fig. 1, embodiment illustrated in fig. 2, and this will not be repeated here.
Referring to Fig. 5, Fig. 5 is the structural schematic diagram of a kind of electronic equipment provided in an embodiment of the present invention.The electronic equipment
50 may include receiver 501, memory 502 and processor 503, and receiver 501, memory 502 and processor 503 pass through one
Item or the connection of a plurality of communication bus.
Receiver 501 can be used for receiving data, for example, receiver 501 can be used for receiving predictions request.
Memory 502 may include read-only memory and random access memory, and provide instruction sum number to processor 503
According to.The a part of of memory 502 can also include nonvolatile RAM.
Processor 503 can be central processing unit (Central Processing Unit, CPU), the processor 503
It can also be other general processors, digital signal processor (Digital Signal Processor, DSP), dedicated integrated
Circuit (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor, and optionally, which is also possible to any conventional
Processor etc..Wherein:
Memory 502, for storing program instruction.
Processor 503, for calling the program instruction stored in memory 502, to be used for:
Predictions request is received, which includes the first user identifier of the first user；
Determining and first user-association second user and first user and second user in the preset database
The degree of association；
The overdue record of second user is obtained, which includes the feature and its corresponding fisrt feature of second user
Value；
Based on the aforementioned degree of association and the First Eigenvalue, the overdue probability of the first user is obtained.
In one implementation, predictions request further include first user identity information and its corresponding second feature
Value；Processor 503 is used to specifically may be used when obtaining the overdue probability of the first user based on the aforementioned degree of association and the First Eigenvalue
To obtain the overdue probability of the first user for being based on the aforementioned degree of association, the First Eigenvalue and Second Eigenvalue.
In one implementation, processor 503 is for determining second with the first user-association in the preset database
When user, it specifically can be used for obtaining the instant communication information comprising the first user identifier and/or overdue in the preset database
Information；According to it is described include the first user identifier instant communication information and/or overdue information, it is determining with the first user-association
Second user.
In one implementation, processor 503 for determining first user and described the in the preset database
When the degree of association of two users, specifically it can be used for according to the instant communication information comprising the first user identifier and/or overdue
Information determines the degree of association of the first user and second user.
In one implementation, the quantity of second user can be multiple；Processor 503 is used for based on the degree of association and the
One characteristic value when obtaining the overdue probability of the first user, specifically can be used for the pass based on each second user Yu the first user
Connection degree is weighted summation to the First Eigenvalue of each second user, obtains the overdue probability of the first user.
It should be noted that the specific implementation of unmentioned content and each step in the corresponding embodiment of Fig. 5
It can be found in Fig. 1-embodiment illustrated in fig. 4 and foregoing teachings, which is not described herein again.
The embodiment of the present invention also provides a kind of computer readable storage medium, and computer-readable recording medium storage has calculating
Machine program, computer program includes program instruction, when program instruction is executed by processor, executes processor such as Fig. 1-Fig. 2 institute
Show step performed in embodiment of the method.
Above disclosed is only section Example of the invention, cannot limit the right of the present invention with this certainly
Range, those skilled in the art can understand all or part of the processes for realizing the above embodiment, and according to right of the present invention
Equivalent variations made by it is required that, still belongs to the scope covered by the invention.
Claims (10)
1. a kind of probability forecasting method characterized by comprising
Predictions request is received, the predictions request includes the first user identifier of the first user；
Determining second user and first user and described second with first user-association in the preset database
The degree of association of user；
Obtain the overdue record of the second user, the overdue record includes the feature and its corresponding the of the second user
One characteristic value；
Based on the degree of association and the First Eigenvalue, the overdue probability of first user is obtained.
2. the method according to claim 1, wherein the predictions request further includes the identity of first user
Information and its corresponding Second Eigenvalue；
It is described to be based on the degree of association and the First Eigenvalue, obtain the overdue probability of first user, comprising:
Based on the degree of association, the First Eigenvalue and the Second Eigenvalue, the overdue probability of first user is obtained.
3. method according to claim 1 or 2, which is characterized in that described to determine and described first in the preset database
The second user of user-association, comprising:
The instant communication information comprising first user identifier and/or overdue information are obtained in the presetting database；
It is determining to be used with described first according to the instant communication information comprising first user identifier and/or overdue information
The associated second user in family.
4. according to the method described in claim 3, it is characterized in that, it is described determine in the preset database first user with
The degree of association of the second user, comprising:
According to the instant communication information comprising first user identifier and/or overdue information, first user is determined
With the degree of association of the second user.
5. the method according to claim 1, wherein the quantity of the second user is multiple；
It is described to be based on the degree of association and the First Eigenvalue, obtain the overdue probability of first user, comprising:
The degree of association based on each second user Yu first user, to the First Eigenvalue of each second user
It is weighted summation, obtains the overdue probability of first user.
6. a kind of probabilistic forecasting device characterized by comprising
Receiving unit, for receiving predictions request, the predictions request includes the first user identifier of the first user；
Processing unit, for the determining second user and described first with first user-association in the preset database
The degree of association of user and the second user；
The processing unit, is also used to obtain the overdue record of the second user, and the overdue record includes second use
The feature at family and its corresponding the First Eigenvalue；
The processing unit is also used to obtain the overdue of first user based on the degree of association and the First Eigenvalue
Probability.
7. device according to claim 6, which is characterized in that the predictions request further includes the identity of first user
Information and its corresponding Second Eigenvalue；
The processing unit is specifically used for being based on the degree of association, the First Eigenvalue and the Second Eigenvalue, obtains institute
State the overdue probability of the first user.
8. device according to claim 6 or 7, which is characterized in that
The processing unit, specifically for obtaining the instant messaging comprising first user identifier in the presetting database
Information and/or overdue information；According to the instant communication information comprising first user identifier and/or overdue information, really
The fixed second user with first user-association.
9. a kind of electronic equipment, which is characterized in that including processor and memory, the memory is for storing computer journey
Sequence, the computer program include program instruction, and the processor is configured for calling described program instruction, execute such as right
It is required that 1~5 described in any item methods.
10. a kind of computer storage medium, which is characterized in that the computer storage medium is stored with computer program, described
Computer program includes program instruction, and described program instruction makes the processor execute such as claim when being executed by a processor
1~5 described in any item methods.
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| CN201810676342.3A CN109146122A (en) | 2018-06-27 | 2018-06-27 | A kind of probability forecasting method, device, electronic equipment and computer storage medium |
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