CN116402362A - Electricity fee charging method and device based on user portrait - Google Patents
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Abstract
The invention relates to the technical field of electric charge service, and particularly discloses an electric charge collection method based on user portrait, which comprises the following steps: acquiring electricity consumption information of a target user, wherein the electricity consumption information comprises historical payment information, pre-stored information, payment modes, basic files and electricity consumption conditions; extracting user characteristic information according to the electricity consumption information of the target user; generating user portraits according to the extracted user characteristic information, and classifying the user portraits; determining an electric charge collection scheme of the target user according to the classified user portraits; and according to the electric charge charging scheme of the target user, charging the target user. The invention also discloses an electric charge collection device based on the user portrait. According to the electric charge collection method based on the user portraits, which is provided by the invention, the user model is built by utilizing the user portraits based on the user information, the payment behaviors, the client credit and other data of a large number of users, so that the accurate electric charge collection is realized.
Description
Technical Field
The invention relates to the technical field of electric charge service, in particular to an electric charge collection method based on user portraits and an electric charge collection device based on the user portraits.
Background
The electric charge service comprises five links of meter reading, accounting, payment acceleration, charging and accounting. With the continuous development of technology, the other four links basically realize automation and intellectualization. The fee-forcing link still mainly relies on manual telephone, on-gate posting fee-forcing (arrearage power failure) notice and the like to carry out work in a single mode compared with the traditional mode, so that the workload is huge, and great challenges are brought to the fee-forcing work; meanwhile, the problems of high labor cost, low working efficiency and risk of service quality are faced. There is a need to complete the electric charge payment work in more ways, improve the working efficiency, reduce the charge price and improve the customer satisfaction.
Disclosure of Invention
Aiming at the defects and shortcomings in the prior art, the invention provides an electric charge collection method based on user portraits, which is based on data such as user information, payment behaviors, client credit and the like of massive users, and realizes accurate charge collection by taking the user portraits as references, thereby improving the service quality of users.
As a first aspect of the present invention, there is provided an electric charge collection method based on a user portrait, the electric charge collection method based on a user portrait including:
step S1: acquiring electricity consumption information of a target user, wherein the electricity consumption information comprises historical payment information, pre-stored information, payment modes, basic files and electricity consumption conditions;
step S2: extracting user characteristic information according to the electricity consumption information of the target user;
step S3: generating user portraits according to the extracted user characteristic information, and classifying the user portraits;
step S4: determining an electric charge collection scheme of the target user according to the classified user portraits;
step S5: and according to the electric charge charging scheme of the target user, charging the target user.
Further, the obtaining the electricity consumption information of the target user, where the electricity consumption information includes historical payment information, pre-stored information, payment modes, a basic file and electricity consumption conditions, and further includes:
and accessing a database, reading the electricity consumption information of the target user, and filling the electricity consumption information of the target user into a data pool.
Further, the extracting the user characteristic information according to the electricity consumption information of the target user further includes:
and analyzing the electricity consumption information of the target user by utilizing a data pool to extract user characteristic information, and establishing a user model according to the user characteristic information.
Further, the user characteristic information includes: user payment habit characteristics, electricity consumption dynamic characteristics and electricity consumption trend characteristics;
the user payment habit features comprise payment channel features, payment mode features, payment time features and historical arrearage features, and the electricity consumption dynamic features comprise electricity consumption habit features and electricity consumption curve features.
Further, the method generates user portraits according to the extracted user characteristic information, classifies the user portraits, and further comprises:
according to the extracted user characteristic information, classifying the user portraits into the following categories:
five-level high reputation user: the phenomenon of electric charge delineating never occurs, and the balance of an electric charge account meets the electricity consumption expenditure in the last M1 months, namely the electric charge is issued in the next month when the electric charge prestored in the last M1 months is more than or equal to the electric charge stored in the month;
four-level reputation good users: the balance of the electric charge account does not meet the electricity consumption expenditure in the last M2 months, but the user can settle the electric charge before the payment period is full;
three-level risk users: the balance of the electric charge account does not meet the electricity consumption expenditure in the last M3 months, and N1 times of manual charge acceleration occurs in the last M4 months, but the electric charge can be paid before the month of the current month of electric charge release, and a certain recovery risk exists;
secondary medium and high risk users: the balance of the electric charge account does not meet the electricity consumption expenditure in the last M5 months, and the electric charge is paid in the last M6 months for more than N2 times in a cross-month manner, so that the electric charge is paid on schedule after the charge is accelerated, and a certain recovery risk exists;
first-class high-risk users: the user electric charge account is in arrearage state at present, and the risk of unable repayment of arrearage exists;
wherein M1, M2, M3, M4, M5 and M6 are the self-set month number for judging the condition of the electricity consumer, and N1 and N2 are the self-set month number for clearing the electricity charge.
Further, the method for determining the electric charge collection scheme of the target user according to the classified user portraits further comprises the following steps:
and predicting the preference and the behavior of the target user based on the classified user portraits, and generating the electric charge collection scheme for the target user.
Further, the method further comprises the following steps:
matching the classified user images with a preset model, checking sensitive users in the target users, and automatically creating the electric charge collection scheme when the arrearage amount of the sensitive users is greater than a preset threshold;
judging whether the electric charge charging scheme is combined charge charging or independent charge charging;
if the electric charge is independently urged, the urging range is the electric charge issuing date/fixed date, and the electric charge is urged according to the acquired electric charge issued by the user in the current month; or the fee-forcing range is Jin Qisuan days, and fee-forcing is carried out according to the obtained total arrearage amount of the multi-month arrearages of the users;
if the arrearage is the combined arrearage, the total arrearage amount of all arrearages under the contract account is calculated in a combined way, and the arrearage is calculated according to the total arrearage amount of all arrearages.
Further, the method for charging the target user according to the electric charge charging scheme of the target user further includes:
and the target user is subjected to fee-forcing through the intelligent voice outbound fee-forcing system.
Further, the method further comprises the following steps:
in the outbound period, updating the arrearage amount in real time according to the arrearage range, and creating a new arrearage task;
and after a plurality of times of charging, the charging is considered to be failed for the user who still does not pay, and the file, the times and the amount information of the arrearages are recorded one by one and the user image is updated.
As a second aspect of the present invention, there is provided an electric charge collection device based on a user figure, the electric charge collection device based on a user figure including:
the acquisition module is used for acquiring the electricity consumption information of the target user, wherein the electricity consumption information comprises historical payment information, pre-stored information, payment modes, basic files and electricity consumption conditions;
the extraction module is used for extracting user characteristic information according to the power consumption information of the target user;
the generation module is used for generating user portraits according to the extracted user characteristic information and classifying the user portraits;
the determining module is used for determining an electric charge collection scheme of the target user according to the classified user portraits;
and the fee-forcing module is used for forcing the target user according to the electric fee-forcing scheme of the target user.
The electric charge collection method based on the user portrait has the following advantages: on the basis of acquiring massive power user data in different industries, the system automatically and automatically formulates a scientific and efficient fee-forcing method by combining an algorithm and a corresponding fee-forcing strategy from dimensions such as user category, electricity address, electricity behavior, customer credit, pre-storing condition, fee-forcing mode, fee-owing condition, electricity condition and the like.
Drawings
The accompanying drawings are included to provide a further understanding of the invention, and are incorporated in and constitute a part of this specification, illustrate the invention and together with the description serve to explain, without limitation, the invention.
Fig. 1 is a flowchart of an electric charge collection method based on user portraits.
Detailed Description
It should be noted that, without conflict, the embodiments of the present invention and features of the embodiments may be combined with each other. The invention will be described in detail below with reference to the drawings in connection with embodiments.
In order that those skilled in the art will better understand the present invention, a technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present invention without making any inventive effort, shall fall within the scope of the present invention.
It should be noted that the terms "first," "second," and the like in the description and the claims of the present invention and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate in order to describe the embodiments of the invention herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
In this embodiment, an electricity fee charging method based on a user portrait is provided, and fig. 1 is a flowchart of the electricity fee charging method based on a user portrait provided by the invention. As shown in fig. 1, the electric charge collection method based on the user portrait includes:
step S1: acquiring electricity consumption information of a target user, wherein the electricity consumption information comprises historical payment information, pre-stored information, payment modes, basic files and electricity consumption conditions;
further, the obtaining the electricity consumption information of the target user, where the electricity consumption information includes historical payment information, pre-stored information, payment modes, a basic file and electricity consumption conditions, and further includes:
accessing a marketing system database, reading the electricity consumption information of the target user, and filling the electricity consumption information of the target user into a data pool.
Step S2: extracting user characteristic information according to the electricity consumption information of the target user;
further, the extracting the user characteristic information according to the electricity consumption information of the target user further includes:
and analyzing the electricity consumption information such as the payment habit, the payment channel, the electricity fluctuation, the arrearage record, the account balance and the like of the target user by utilizing the data pool so as to extract user characteristic information, and establishing a user model by applying a data mining and statistics method according to the user characteristic information.
Wherein the user characteristic information includes: user payment habit characteristics, electricity consumption dynamic characteristics and electricity consumption trend characteristics; the user payment habit features comprise payment channel features, payment mode features, payment time features and historical arrearage features, and the electricity consumption dynamic features comprise electricity consumption habit features and electricity consumption curve features.
Step S3: according to the extracted user characteristic information, a scoring model is established by using multi-classification logistic regression or a clustering algorithm based on division, a user portrait is generated, and the user portrait is classified and labeled;
the specific formula for establishing the scoring model is as follows:
the characteristic value (x 1, x2, x3...xi) corresponds to the probability of the target value (y) taking 1, and taking the power arrearing high risk user as an example, the accumulated arrearing month is x1, the arrearing user type is x2, the voltage level of the arrearing user is x3, the accounting period of the arrearing user is x4, the current short message reminding times of the arrearing user are x5, and the current voice reminding times of the arrearing user are x6..
Further, the method generates user portraits according to the extracted user characteristic information, classifies the user portraits, and further comprises:
according to the extracted user characteristic information (user payment habit, arrearage record, account balance and the like), classifying the user portraits into the following categories:
five-level high reputation user: the phenomenon of electric charge delineating never occurs, and the balance of an electric charge account meets the electricity consumption expenditure in the last M1 months, namely the electric charge is issued in the next month when the electric charge prestored in the last M1 months is more than or equal to the electric charge stored in the month;
four-level reputation good users: the balance of the electric charge account does not meet the electricity consumption expenditure in the last M2 months, but the user can settle the electric charge before the payment period is full;
three-level risk users: the balance of the electric charge account does not meet the electricity consumption expenditure in the last M3 months, and N1 times of manual charge acceleration occurs in the last M4 months, but the electric charge can be paid before the month of the current month of electric charge release, and a certain recovery risk exists;
secondary medium and high risk users: the balance of the electric charge account does not meet the electricity consumption expenditure in the last M5 months, and the electric charge is paid in the last M6 months for more than N2 times in a cross-month manner, so that the electric charge is paid on schedule after the charge is accelerated, and a certain recovery risk exists;
first-class high-risk users: the user electric charge account is in arrearage state at present, and the risk of unable repayment of arrearage exists;
wherein M1, M2, M3, M4, M5 and M6 are the self-set month number for judging the condition of the electricity consumer, and N1 and N2 are the self-set month number for clearing the electricity charge.
Step S4: determining an electric charge collection scheme of the target user according to the classified user portraits;
further, the method for determining the electric charge collection scheme of the target user according to the classified user portraits further comprises the following steps:
and predicting the preference and the behavior of the target user based on the classified user portraits, and generating the electric charge collection scheme for the target user.
Specifically, matching the classified user images with a preset model, and checking sensitive users (white list users) in the target users, and automatically creating the electric charge collection scheme when the arrearage amount of the sensitive users is greater than a preset threshold;
judging whether the electric charge charging scheme is combined charge charging or independent charge charging;
if the electric charge is independently urged, the urging range is the electric charge issuing date/fixed date, and the electric charge is urged according to the acquired electric charge issued by the user in the current month; or the fee-forcing range is Jin Qisuan days, and fee-forcing is carried out according to the obtained total arrearage amount of the multi-month arrearages of the users;
if the arrearage is the combined arrearage, the total arrearage amount of all arrearages under the contract account is calculated in a combined way, and the arrearage is calculated according to the total arrearage amount of all arrearages.
Step S5: and according to the electric charge charging scheme of the target user, charging the target user.
Further, the method for charging the target user according to the electric charge charging scheme of the target user further includes:
and the target user is subjected to fee-forcing through the intelligent voice outbound fee-forcing system.
In order to accurately acquire the arrearage condition of a user in real time, the condition that the electricity fee of the user is already settled or the electricity fee is still urged after partial settlement is avoided, in the outbound period, the arrearage amount is updated in real time according to the urging range (the electricity fee release date, the default Jin Qisuan date and the fixed date), and a new fee urging task is created;
and after a plurality of times of charging, the charging is considered to be failed for the user who still does not pay, and the file, the times and the amount information of the arrearages are recorded one by one and the user image is updated.
As another embodiment of the present invention, there is provided an electric charge collection device based on a user portrait, including:
the acquisition module is used for acquiring the electricity consumption information of the target user, wherein the electricity consumption information comprises historical payment information, pre-stored information, payment modes, basic files and electricity consumption conditions;
the extraction module is used for extracting user characteristic information according to the power consumption information of the target user;
the generation module is used for generating user portraits according to the extracted user characteristic information and classifying the user portraits;
the determining module is used for determining an electric charge collection scheme of the target user according to the classified user portraits;
and the fee-forcing module is used for forcing the target user according to the electric fee-forcing scheme of the target user.
In summary, the electric charge collection method based on the user portrait provided by the invention accurately depicts the user portrait from the dimensions of user category, electricity address, electricity consumption behavior, customer credit, pre-storing condition, payment mode, arrearage condition, electricity consumption condition and the like on the basis of obtaining mass electric power user data in different industries, and combines an algorithm and a corresponding collection policy to automatically and scientifically and efficiently formulate the charge collection method by a system.
It is to be understood that the above embodiments are merely illustrative of the application of the principles of the present invention, but not in limitation thereof. Various modifications and improvements may be made by those skilled in the art without departing from the spirit and substance of the invention, and are also considered to be within the scope of the invention.
Claims (10)
1. The electric charge collection method based on the user portrait is characterized by comprising the following steps of:
step S1: acquiring electricity consumption information of a target user, wherein the electricity consumption information comprises historical payment information, pre-stored information, payment modes, basic files and electricity consumption conditions;
step S2: extracting user characteristic information according to the electricity consumption information of the target user;
step S3: generating user portraits according to the extracted user characteristic information, and classifying the user portraits;
step S4: determining an electric charge collection scheme of the target user according to the classified user portraits;
step S5: and according to the electric charge charging scheme of the target user, charging the target user.
2. The electricity fee collection method based on user portrait according to claim 1, wherein the obtaining the electricity information of the target user, where the electricity information includes historical payment information, pre-stored information, payment mode, basic file and electricity consumption condition, further includes:
and accessing a database, reading the electricity consumption information of the target user, and filling the electricity consumption information of the target user into a data pool.
3. The user portrait-based electricity fee collection method according to claim 2, wherein the extracting user characteristic information according to the electricity information of the target user further includes:
and analyzing the electricity consumption information of the target user by utilizing a data pool to extract user characteristic information, and establishing a user model according to the user characteristic information.
4. The user portrait-based electricity fee collection method according to claim 3, wherein the user feature information includes: user payment habit characteristics, electricity consumption dynamic characteristics and electricity consumption trend characteristics;
the user payment habit features comprise payment channel features, payment mode features, payment time features and historical arrearage features, and the electricity consumption dynamic features comprise electricity consumption habit features and electricity consumption curve features.
5. The electric charge collection method based on user portraits according to claim 1, characterized in that said generating user portraits based on the extracted user characteristic information and classifying the user portraits further comprises:
according to the extracted user characteristic information, classifying the user portraits into the following categories:
five-level high reputation user: the phenomenon of electric charge delineating never occurs, and the balance of an electric charge account meets the electricity consumption expenditure in the last M1 months, namely the electric charge is issued in the next month when the electric charge prestored in the last M1 months is more than or equal to the electric charge stored in the month;
four-level reputation good users: the balance of the electric charge account does not meet the electricity consumption expenditure in the last M2 months, but the user can settle the electric charge before the payment period is full;
three-level risk users: the balance of the electric charge account does not meet the electricity consumption expenditure in the last M3 months, and N1 times of manual charge acceleration occurs in the last M4 months, but the electric charge can be paid before the month of the current month of electric charge release, and a certain recovery risk exists;
secondary medium and high risk users: the balance of the electric charge account does not meet the electricity consumption expenditure in the last M5 months, and the electric charge is paid in the last M6 months for more than N2 times in a cross-month manner, so that the electric charge is paid on schedule after the charge is accelerated, and a certain recovery risk exists;
first-class high-risk users: the user electric charge account is in arrearage state at present, and the risk of unable repayment of arrearage exists;
wherein M1, M2, M3, M4, M5 and M6 are the self-set month number for judging the condition of the electricity consumer, and N1 and N2 are the self-set month number for clearing the electricity charge.
6. The user portrait-based electricity fee collection method according to claim 1, wherein the determining an electricity fee collection scheme of a target user according to the classified user portraits further includes:
and predicting the preference and the behavior of the target user based on the classified user portraits, and generating the electric charge collection scheme for the target user.
7. The user portrait-based electricity fee collection method according to claim 6, further comprising:
matching the classified user images with a preset model, checking sensitive users in the target users, and automatically creating the electric charge collection scheme when the arrearage amount of the sensitive users is greater than a preset threshold;
judging whether the electric charge charging scheme is combined charge charging or independent charge charging;
if the electric charge is independently urged, the urging range is the electric charge issuing date/fixed date, and the electric charge is urged according to the acquired electric charge issued by the user in the current month; or the fee-forcing range is Jin Qisuan days, and fee-forcing is carried out according to the obtained total arrearage amount of the multi-month arrearages of the users;
if the arrearage is the combined arrearage, the total arrearage amount of all arrearages under the contract account is calculated in a combined way, and the arrearage is calculated according to the total arrearage amount of all arrearages.
8. The user portrait-based electricity fee collection method according to claim 1, wherein the fee collection for the target user is performed according to the electricity fee collection scheme for the target user, and further comprising:
and the target user is subjected to fee-forcing through the intelligent voice outbound fee-forcing system.
9. The user portrait-based electricity fee collection method according to claim 8, further comprising:
in the outbound period, updating the arrearage amount in real time according to the arrearage range, and creating a new arrearage task;
and after a plurality of times of charging, the charging is considered to be failed for the user who still does not pay, and the file, the times and the amount information of the arrearages are recorded one by one and the user image is updated.
10. An electric charge collection device based on user portrait, for implementing the electric charge collection method based on user portrait according to any one of claims 1 to 9, characterized in that the electric charge collection device based on user portrait includes:
the acquisition module is used for acquiring the electricity consumption information of the target user, wherein the electricity consumption information comprises historical payment information, pre-stored information, payment modes, basic files and electricity consumption conditions;
the extraction module is used for extracting user characteristic information according to the power consumption information of the target user;
the generation module is used for generating user portraits according to the extracted user characteristic information and classifying the user portraits;
the determining module is used for determining an electric charge collection scheme of the target user according to the classified user portraits;
and the fee-forcing module is used for forcing the target user according to the electric fee-forcing scheme of the target user.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310354709.0A CN116402362A (en) | 2023-04-04 | 2023-04-04 | Electricity fee charging method and device based on user portrait |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117196175A (en) * | 2023-07-28 | 2023-12-08 | 国网山东省电力公司青岛供电公司 | Electric charge recycling strategy formulation method and system based on credit rating division |
| CN118350680A (en) * | 2024-06-18 | 2024-07-16 | 国网山东省电力公司营销服务中心(计量中心) | Electricity fee anomaly identification method and system based on dynamic multi-target gravitation search |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117196175A (en) * | 2023-07-28 | 2023-12-08 | 国网山东省电力公司青岛供电公司 | Electric charge recycling strategy formulation method and system based on credit rating division |
| CN118350680A (en) * | 2024-06-18 | 2024-07-16 | 国网山东省电力公司营销服务中心(计量中心) | Electricity fee anomaly identification method and system based on dynamic multi-target gravitation search |
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