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71.发明授权公开(公告)号：US11636485B2
公开(公告)日：2023-04-25
申请号：US15947717
申请日：2018-04-06
发明人： Scott Michael Zoldi , Alexei Betin
摘要： Parallelized computation by a real-time transaction scoring system that incorporates global behavior profiling of transacting entities includes dividing a global profile computing component of a transaction scoring model of a real-time behavioral analytics transaction scoring system into a plurality of global profile component instances. The transaction scoring model uses a plurality of global profile variables, each of the plurality of global profile component instances using its own global profile partition that contains the estimate of global profile variables and being configured for update by a dedicated thread of execution of the real-time transaction scoring system, each dedicated thread being configured for receiving and scoring a portion of input transactions. The method further includes partitioning, based on one or more transaction routing shuffling algorithms, the input transactions for receipt across the plurality of global profile component instances, and updating each of the plurality of global profile partitions by the corresponding global profile component running in the dedicated thread according to the scoring algorithm.
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公开(公告)号：US20230057335A1
公开(公告)日：2023-02-23
申请号：US17970224
申请日：2022-10-20
发明人： Joshua Prismon , Andrei Palskoi , Andrew K. Holland , Fernando Felipe Campos Donati Jorge , Stuart Clarkson Wells
IPC分类号： G06Q10/04 , G06Q20/40 , G06F16/11 , G06F16/901 , G06F40/16 , G06F11/14 , G06F11/16 , G06N5/02 , G06N5/04
摘要： In one aspect there is provided a method. The method may include collecting one or more functions that implement the decision logic of a solution. A snapshot of the one or more functions can be generated. The snapshot can executable code associated with the one or more functions. The solution can be deployed by at least storing the snapshot of the one or more functions to a repository Systems and articles of manufacture, including computer program products, are also provided.
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公开(公告)号：US11521137B2
公开(公告)日：2022-12-06
申请号：US15496906
申请日：2017-04-25
发明人： Joshua Prismon , Andrei Palskoi , Andrew K. Holland , Fernando Felipe Campos Donati Jorge , Stuart Clarkson Wells
IPC分类号： G06F11/14 , G06F11/16 , G06F16/11 , G06F16/901 , G06F40/16 , G06N5/02 , G06N5/04 , G06Q10/04 , G06Q20/40
摘要： In one aspect there is provided a method. The method may include collecting one or more functions that implement the decision logic of a solution. A snapshot of the one or more functions can be generated. The snapshot can executable code associated with the one or more functions. The solution can be deployed by at least storing the snapshot of the one or more functions to a repository Systems and articles of manufacture, including computer program products, are also provided.
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公开(公告)号：US11373190B2
公开(公告)日：2022-06-28
申请号：US16725231
申请日：2019-12-23
发明人： Scott M. Zoldi , David Griegel
摘要： The subject matter disclosed herein provides methods, apparatus, systems, techniques, and articles for false positive reduction in abnormality detection models. A date and time of a first transaction by a transaction entity and associated with a transaction characteristic can be stored. Data representing subsequent transactions associated with the transaction characteristic can be stored. A history marker profile specific to the transaction characteristic and transaction entity can be generated and can include the transaction characteristic, the date and time of the first transaction, and maximum and mean abnormality scores. A date and time of a current transaction can be determined. A current abnormality score for the current transaction can be received. A tenure of the observed transaction characteristic can be computed. The current abnormality score can be recalibrated from the transaction entity abnormality detection system according to the maximum, mean, and current abnormality scores and a length of the tenure.
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公开(公告)号：US11373109B2
公开(公告)日：2022-06-28
申请号：US16460934
申请日：2019-07-02
摘要： In transactional systems where past transactions can have impact on the current score of a machine learning based decision model, the transactions that are most responsible for the score and the associated reasons are determined by the transactional system. A system and method identifies such past transactions that maximally impact the current score and allow for a more effective understanding of the scores generated by a model in a transactional system and explanation of specific transactions for automated decisioning, to explain the scores in terms of past transactions. Further an existing instance-based explanation system is used to identify the reasons for the score, and how the identified transactions influence these reasons. A combination of impact on score and impact on reasons determines the most impactful past transaction with respect to the most recent score being explained.
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公开(公告)号：US20220198555A1
公开(公告)日：2022-06-23
申请号：US17563987
申请日：2021-12-28
发明人： Gerald Fahner
摘要： Generating optimal strategies for providing offers to a plurality of customers is described. A plurality of categorical attributes (for example, gender and residential status) and ordinal attributes (for example, risk score and credit line utilization) can be determined. Values of one of more categorical attributes can be changed as per a transition probability table. Some probabilities can be varied to determine a first tradeoff, based on which a first updated strategy can be generated. Further, noise can be added to one or more ordinal attributes. Standard deviation of a noise distribution associated with the noise can be varied so as to determine a second tradeoff, based on which a second updated strategy can be generated. The second updated strategy can be an update of the first updated strategy. Offers can be provided to the plurality of customers in accordance with the second updated strategy.
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公开(公告)号：US20220020084A1
公开(公告)日：2022-01-20
申请号：US16929077
申请日：2020-07-14
发明人： Xuezhi Zhang , Peng Zhou , Liupeng Wang
摘要： Computer-implemented methods and systems for account assignment, collection and recovery are provided. The method may include providing, in a graphical user interface, one or more options for selecting a plurality of accounts, the one or more options including a first graphical user interface feature that allows a user to provide or select at least one filtering criteria based on which a set of accounts from among the plurality of accounts is selected. A list of plurality of collection agencies may be provided such that a user may select one or more collection agencies from the list by interacting with a second graphical user interface feature.
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公开(公告)号：US11049012B2
公开(公告)日：2021-06-29
申请号：US15820141
申请日：2017-11-21
发明人： Scott Michael Zoldi , Chahm An
摘要： A system and method to explain model behavior, which can benefit not only those seeking to meet regulatory requirements when using machine learning models but also help guide users of the model to assess and increase robustness associated with model governance processes. The method described utilizes changes in behavior of a time series to identify the latent factors that drive explanation.
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公开(公告)号：US11042551B2
公开(公告)日：2021-06-22
申请号：US15368518
申请日：2016-12-02
发明人： Gerald Fahner , Scott Michael Zoldi
IPC分类号： G06F16/00 , G06F16/2457 , G06F16/248 , G06F16/28 , G06F16/2455
摘要： Systems and methods for generating concise explanations of scored observations that strike good, and computationally efficient, trade-offs between rank-ordering performance and explainability of scored observations are disclosed. The systems and methods described herein for explaining scored observations are based on a framework of partial dependence functions (PDFs), multi-layered neural networks (MNNs), and Latent Explanations Neural Network Scoring (LENNS).
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公开(公告)号：US20210049428A1
公开(公告)日：2021-02-18
申请号：US16786293
申请日：2020-02-10
发明人： Chong Huang , Arash Nourian , Feier Lian , Longfei Fan , Kevin Griest , Jari Koister , Andrew Flint
摘要： Computer-implemented machines, systems and methods for managing missing values in a dataset for a machine learning model. The method may comprise importing a dataset with missing values; computing data statistics and identifying the missing values; verifying the missing values; updating the missing values; imputing missing values; encoding reasons for why values are missing; combining imputed missing values and the encoded reasons; and recommending models and hyperparameters to handle special or missing values.
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