C. The system and method of lending to consumers with certain credit

摘要

A system and method determine the credit level of consumers, issue loans, and create a behavior mode for consumers. Buying a set of original consumer data, including non identity features, but without a complete name, credit card number, passport number or government issued ID number, the consumer cannot be identified. A user's ID number matches the original dataset, an actual user in the transaction database. A credit card score based on average credit is entered into a profile of multiple users.Cidir is used to determine the upper limit of consumer credit. Machine learning model can be applied to the stored consumer loan data to determine when consumers need to increase the maximum allowable credit and the risks involved in increasing the maximum allowable credit.