Assuming that it is early in the seventh month, we need to predict the correlation between payment behavior patterns in thesixth month and payment habits in the first to fifth months. Since
the customer payment status for the fifth month is still unknown
early in the seventh month, the payment records for the fifth
month are not used in the analysis of the customer’s payment pattern. Thus, only the relation between the user payment behavior
from the first to fourth month and late payment behavior in the
sixth month can be described.