Graphical structure model-based credit risk control
US11526936B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Feb 28, 2020 |
| Grant date | Dec 13, 2022 |
| Priority date | — |
| Expiry date | Mar 4, 2040 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/03
- WIPO fieldComputer technology
- WIPO sectorElectrical engineering
Abstract
A graphical structure model trained by using labeled samples is obtained. The graphical structure model is defined based on an enterprise relationship network that includes nodes and edges. Each labeled sample includes a label indicating whether a corresponding node is a risky credit node. The graphical structure model is configured to iteratively calculate an embedding vector of at least one node in a hidden feature space based on an original feature of the at least one node and/or a feature of an edge associated with the at least one node. An embedding vector corresponding to a test-sample is calculated by using the graphical structure model. Credit risk analysis is performed on the test-sample. The credit risk analysis is performed based on a feature of the test-sample represented in the embedding vector. A node corresponding to the test-sample is labeled as a credit risk node.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.