As shown in Table 2, the new payment records will first use to generate new operable business rule (line 1).
Then, for each rule in the operable business rule set R0, experts verify it predicting power.
If its predicting power is lower than a threshold, then the rule will be removed from the operable business rule set (line 2–6).
Since we focus on analyzing the real data for predicting the customers who may make delayed payments, the goal of this paper is attempted to design the CM-CoP framework (Fig. 1) and its algorithms (Tables 1 and 2). So, the detail approaches of the related data mining algorithms are using the existing tools in IBM Intelligent Miner.