电信运营商数据在个人征信中的应用  

Application of Telecom Operator Data in Personal Credit Investigation

作　　者：马丽[1] 于鹏[1] 李涛[2] 

机构地区：[1]中国联合网络通信集团有限公司,北京100033 [2]中讯邮电咨询设计院有限公司,北京100048

出　　处：《邮电设计技术》2016年第4期52-57,共6页Designing Techniques of Posts and Telecommunications

摘　　要：按照国家政策法令,电信运营商不得泄漏用户个人信息,因此电信运营商在设计征信产品时应首先考虑数据安全,确保用户隐私不泄漏、数据资产不流失。通常采用基于多维建模的指数化产品设计模式。根据运营商数据特点,指数产品可包括消费指数、用户稳定指数、终端指数、社交指数等。这些指数化数据产品既可提供给征信机构,支持消费征信、信贷征信、公共征信;也可用于非征信领域,用于完善用户画像,帮助企业更好地设计产品、开展业务营销等活动。In accordance with national policies and regulations,telecom operators shall not leak the user＇s personal information. So telecom operators should consider the data security in the design of the credit products,ensure that the user＇s privacy is not leak and data assets are not lost. The design model of the exponential product based on multi-dimensional modeling is usually used. According to operator data features,index products specifically may include index of consumption,user stability index,terminal index,social index,etc. These index data products can not only be provided to the credit agencies,support consumer credit,public credit,but also be used to the application of non credit information,to help companies better design products,business marketing and other activities.

关 键 词：电信 数据 个人征信 应用 

分 类 号：TP393[自动化与计算机技术—计算机应用技术]