Research Article
Research on Default Prediction for Credit Card Users Based on XGBoost-LSTM Model
Table 6
Example of LSTM model input data example.
| No. | Days before billing | Input time | Transaction type | Bill amount | Bill amount/credit |
| 1 | 30 | 20 | 7028 | −200 | 0 | 2 | 18 | 7 | 7028 | −1013 | −3 | 3 | 10 | 0 | 7028 | −9.45 | 0 | 4 | 10 | 0 | 3254 | 9.45 | 0 | 5 | 10 | 0 | 2020 | 1000 | 3 | 6 | 0 | 13 | 7028 | −95.67 | 0 | 7 | 0 | 20 | 3254 | 125.55 | 0 | 8 | 0 | 20 | 3254 | 36.27 | 0 | 9 | 0 | 0 | 0 | 0 | 0 | … | … | … | … | … | … | 31 | 0 | 17 | 7028 | −156 | 0 | 32 | 0 | 20 | 3254 | 121.5 | 0 | 33 | 0 | 20 | 3254 | 35.1 | 0 | 34 | 0 | 20 | 3254 | 27.41 | 0 | 35 | 0 | 20 | 3254 | 24.3 | 0 | 36 | 0 | 0 | 0 | 0 | 0 | 37 | 0 | 0 | 0 | 0 | 0 | 38 | 0 | 0 | 0 | 0 | 0 | 39 | 0 | 0 | 0 | 0 | 0 | … | … | … | … | … | … | 61 | 20 | 16 | 7028 | −1150 | −3 | 62 | 20 | 16 | 7028 | −1480 | −4 | 63 | 20 | 16 | 3254 | 12.87 | 0 | 64 | 20 | 16 | 2020 | 2600 | 8 | 65 | 19 | 16 | 7028 | −8000 | −26 | 66 | 19 | 17 | 7028 | −1045 | −3 | 67 | 19 | 17 | 3254 | 48.6 | 0 | 68 | 19 | 17 | 2020 | 9000 | 30 | 69 | 0 | 14 | 7028 | −300 | −1 | … | … | … | … | … | … |
|
|