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A payment risk classification method and device based on user payment data

A classification method and user's technology, applied in data processing applications, instruments, character and pattern recognition, etc., can solve the problems of time-consuming and labor-intensive efficiency, inaccurate and reliable judgment results, and inefficiency, etc., to improve accuracy and reliability. The effect of reducing the risk of selling electricity

Inactive Publication Date: 2019-06-28
YUNNAN POWER GRID
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] In order to reduce the risk of electricity sales, at present, power grid companies mainly rely on staff to judge payment risks based on data such as whether electricity customers have owed bills in the past and the number of arrears. Results are not accurate and reliable

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  • A payment risk classification method and device based on user payment data
  • A payment risk classification method and device based on user payment data
  • A payment risk classification method and device based on user payment data

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Embodiment Construction

[0045] In order to enable those skilled in the art to better understand the technical solutions in the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the accompanying drawings.

[0046] see figure 1 , the embodiment of the present application provides a payment risk classification method based on user payment data, including:

[0047]Step 101, obtain the user's historical payment data, the historical payment data includes the user's payment times, the user's arrears times, the user's cash payment times, the user's self-service payment times, the user's collection payment times, the user's accumulated arrears, the user's electricity, the user The average number of payment days and the average electricity price; further, user cash payment, user self-service payment and user collection and payment refer to the three channels for users to pay electricity charges. Average...

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Abstract

The invention discloses a payment risk classification method and device based on user payment data. The method comprises the steps of obtaining historical payment data of a user; According to the historical payment data, marking the payment risk type of the user, wherein the payment risk type comprises a payment risk and a non-payment risk; Constructing a payment risk binary classification model by using a logistic regression algorithm according to the marked historical payment data; And judging the payment risk type of the user generating the new payment data according to the payment risk binary classification model. According to the technical scheme, payment risk classification of the users is achieved according to the binary classification model, the accuracy and reliability of electriccharge risk management are improved, and the electricity selling risk of a power grid company is reduced.

Description

technical field [0001] The present application relates to the technical field of analysis and measurement control, and in particular to a payment risk classification method and device based on user payment data. Background technique [0002] With the continuous development of electric power enterprises, the group of electric power customers is also growing. However, the credit of customers is uneven, which makes power companies encounter serious problems with electricity charges, especially the lack of credit of power customers will lead to the inability to pay electricity bills, which not only brings difficulties to the operation of power companies, but also seriously It destroys the normal trading order of the electricity market and increases the operating risks of the electricity companies. [0003] In order to reduce the risk of electricity sales, at present, the power grid company mainly relies on the staff to judge the payment risk based on whether the power customer ...

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q50/06G06K9/62
Inventor 周源张羿彭勇江雄胡彩云段怡
Owner YUNNAN POWER GRID