Patents Assigned to Fair Isaac Corporation
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Patent number: 11966873Abstract: Computer-implemented methods, systems and products for analytics and discovery of patterns or signals. The method includes a set of operations or steps, including collecting data from a plurality of data sources, the data having a plurality of associated data types, and filtering the collected data based on identifying viable data sources from which the data is collected. The method further includes prioritizing discovery objectives based on analyzing the filtering results, and enriching the filtered collected data from viable data sources according to the prioritized discovery objectives. The method further includes extracting one or more signals from the enriched data using one or more machine learning mechanisms in combination with qualified subject matter expertise input, and graphically displaying the extracted signals in a meaningful way to a human operator such that the human operator is enabled to understand importance of extracted signals.Type: GrantFiled: April 18, 2022Date of Patent: April 23, 2024Assignee: Fair Isaac CorporationInventors: Mary Krone, Ryan Weber, Ana Paula Azevedo Travassos, Laura Waterbury, Paulo Mei, Mayumi Assato, Shubham Kedia, Nitin Basant, Chisoo Lyons
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Patent number: 11886512Abstract: A method, a system, and a computer program product for generating an interpretable set of features. One or more search parameters and one or more constraints on one or more search parameters for searching data received from one or more data sources are defined. The data received from one or more data sources is searched using the defined search parameters and constraints. One or more first features are extracted from the searched data. The first features are associated with one or more predictive score values. The searching is repeated in response to receiving a feedback data responsive to the extracted first features. One or more second features resulting from the repeated searching are generated.Type: GrantFiled: May 7, 2022Date of Patent: January 30, 2024Assignee: Fair Isaac CorporationInventors: Christopher Allan Ralph, Gerald Fahner, Liang Meng
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Patent number: 11875232Abstract: Systems and methods for providing insights about a machine learning model are provided. The method includes, using training data to train the machine learning model to learn patterns to determine whether data associated with an event provides an indication that the event belongs to a certain class from among a plurality of classes, evaluating one or more features of the machine learning model to produce a data set pairing observed scores S and a set of predictive input variables Vi, and constructing at least one data-driven estimator based on an explanatory statistic, the estimator being represented in a computationally efficient form and packaged with the machine learning model and utilized to provide a definition of explainability for a score generated by the machine learning model.Type: GrantFiled: December 2, 2019Date of Patent: January 16, 2024Assignee: Fair Isaac CorporationInventors: Matthew Bochner Kennel, Scott Michael Zoldi
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Patent number: 11818147Abstract: Systems, methods and computer program products for improving security of artificial intelligence systems. The system comprising processors for monitoring one or more transactions received by a machine learning decision model to determine a first score associated with a first transaction. The first transaction may be identified as likely adversarial, in response to the first score being lower than a certain score threshold and the first transaction having a low occurrence likelihood. A second score may be generated in association with the first transaction based on one or more adversarial latent features associated with the first transaction. At least one adversarial latent feature may be detected as being exploited by the first transaction, in response to determining that the second score falls above the certain score threshold. Accordingly, an abnormal volume of activations of adversarial latent features spanning across a plurality of transactions scored may be detected and blocked.Type: GrantFiled: November 23, 2020Date of Patent: November 14, 2023Assignee: Fair Isaac CorporationInventors: Scott Michael Zoldi, Shafi Ur Rahman
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Patent number: 11804306Abstract: Data characterizing an individual is received. Thereafter, one or more variables are extracted from the data so that, using a predictive model populated with the extracted variables, a likelihood of the individual adhering to a treatment regimen can be determined. The predictive model is trained on historical treatment regimen adherence data empirically derived from a plurality of subjects. Subsequently, data characterizing the determined likelihood of adherence can be promoted.Type: GrantFiled: November 13, 2020Date of Patent: October 31, 2023Assignee: Fair Isaac CorporationInventors: Jun Hua, Hui Zhu, Catherine V. Orate-Pott, David Shellenberger, Deonadayalan Narayanaswamy, Niranjan A. Shetty
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Patent number: 11748360Abstract: 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).Type: GrantFiled: May 11, 2021Date of Patent: September 5, 2023Assignee: Fair Isaac CorporationInventors: Scott Michael Zoldi, Gerald Fahner
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Patent number: 11727325Abstract: Systems, methods, and techniques to efficiently analyze and navigate through decision logic using an execution graph are provided. The method includes executing decision logic in response to receiving a data file. The method further includes generating, in response to the executing, an execution graph. The execution graph includes a plurality of nodes corresponding to a plurality of decision entities of the decision logic. The method further includes displaying the execution graph on a user interface. The method further includes displaying, in response to receiving a selection of a node of the plurality of nodes, information associated with the selected node.Type: GrantFiled: August 1, 2018Date of Patent: August 15, 2023Assignee: Fair Isaac CorporationInventors: Jean-Luc M. Marcé, Balachandar Rangarajulu Sriramulu, Imran Ali, Qiao Chen
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Publication number: 20230244905Abstract: Systems, methods and products for quantitative translation of design requirements into a machine learning framework for training a classification model. A plurality of auxiliary tasks associated with a plurality of auxiliary task models are specified. The plurality of auxiliary task models are concurrently trained on the auxiliary tasks to generate one or more latent features learned by the plurality of auxiliary task models. The one or more latent features may be transferred from the plurality of auxiliary task models to augment a latent feature space of a target task for the classification model. Contribution levels of the transferred one or more latent features are adjusted based on design requirements for the target task for the classification model. First and second contribution levels are specified for respective first and second sets of auxiliary task latent features being quantified and enforced.Type: ApplicationFiled: January 28, 2022Publication date: August 3, 2023Applicant: Fair Isaac CorporationInventors: Scott ZOLDI, Maziar YAESOUBI, Keerthi KANCHERLA, Todd SMITH
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Patent number: 11704342Abstract: Computer-implemented systems and methods for efficiently searching large data volumes for one or more items with a definable degree of similarity. The systems and methods may include functionality directed to selecting at least one token from the one or more tokens in a target item, the token including an identifiable character string defining, fully or partially, at least one of a name, an address, an entity or other identifier associated with the target item; extracting a character from the identifiable character string after the character string is standardized to a known common version of the character string; responsive to a character distribution lookup, determining that the extracted character corresponds to a first shard from among a plurality of discrete shards; and grouping the item into the first shard, the character distribution lookup being adjustable overtime to provide for a balanced distribution of items across the plurality of discrete shards.Type: GrantFiled: May 14, 2021Date of Patent: July 18, 2023Assignee: Fair Isaac CorporationInventors: Girish Kunjur, John R. Ripley
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Patent number: 11687804Abstract: Computer-implemented methods and systems for quantifying appropriate machine learning model complexity corresponding to training dataset are provided. The method comprises monitoring, using one or more processors, N observed variables, v1 through vN, of a training dataset for a machine learning model; translating the N observed variables into m equisized bin indexes which generate mN possible equisized hypercells to estimate a fundamental dimensionality for the dataset; generating one or more samples by assigning a record in the dataset with numbers j through k as set id; generating a merged sample Si, for one or more values of the set id i, where i goes from j to k; and computing a fractal dimension of the equisized hypercube phase space based on count of cells with data coverage of at least one data point.Type: GrantFiled: June 30, 2020Date of Patent: June 27, 2023Assignee: Fair Isaac CorporationInventors: Scott Michael Zoldi, Shafi Ur Rahman
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Patent number: 11682019Abstract: This document presents multi-layered, self-calibrating analytics for detecting fraud in transaction data without substantial historical data. One or more variables from a set of variables are provided to each of a plurality of self-calibrating models that are implemented by one or more data processors, each of the one or more variables being generated from real-time production data related to the transaction data. The one or more variables are processed according to each of the plurality of self-calibrating models implemented by the one or more data processors to produce a self-calibrating model output for each of the plurality of self-calibrating models. The self-calibrating model output from each of the plurality of self-calibrating models is combined in an output model implemented by one or more data processors. Finally, a fraud score output for the real-time production data is generated from the self-calibrating model output.Type: GrantFiled: January 22, 2021Date of Patent: June 20, 2023Assignee: Fair Isaac CorporationInventors: Jun Zhang, Yuting Jia, Scott Michael Zoldi
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Patent number: 11663658Abstract: Systems, methods, and products for detection of selective omissions in an open data sharing computing platform comprises monitoring a plurality of events associated with a first digital record stored in a database of digital records, the first digital record uniquely identifying a first entity; associating a first detected event with a first set of words at least partially descriptive of the first detected event; associating a second detected event with a second set of words at least partially descriptive of the second detected event, the first event and the second event being detected, in response to digital records associated with the first event and the second event being shared over an open data sharing computing platform with express authorization provided by the first entity.Type: GrantFiled: November 19, 2021Date of Patent: May 30, 2023Assignee: Fair Isaac CorporationInventors: Scott Zoldi, Jeremy Mamer Schmitt, Maria Edna Derderian, Jianjun Xie
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Patent number: 11650816Abstract: Systems, machines, methods and products for generating a configured software solution using one or more configuration packages. A decision service may be configured to generate decision data based on a configuration package comprising user-generated input, a collection of configurations, and a decision flow template. The user-generated input may be used for selecting an artifact from an artifact library in a configuration database. The collection of configurations may be infused, dynamically, into the decision flow template. The decision flow template may be exposed for user modification. The decision flow template may be integrated into the configuration package in association with at least one configurable decision element and a user configuration selected from the collection of configurations for specifying one or more parameters in the artifact. The artifact and the user configuration may be combined with the decision flow template to generate the configured software solution.Type: GrantFiled: September 23, 2021Date of Patent: May 16, 2023Assignee: Fair Isaac CorporationInventors: Ken Bouley, Bruno Courbage, Sathya Sekar
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Patent number: 11645581Abstract: Computer-implemented machines, systems and methods for providing insights about a machine learning model, the machine learning model trained, during a training phase, to learn patterns to correctly classify input data associated with risk analysis. Analyzing one or more features of the machine learning model, the one or more features being defined based on one or more constraints associated with one or more values and relationships and whether said one or more values and relationships satisfy at least one of the one or more constraints. Displaying one or more visual indicators based on an analysis of the one or more features and training data used to train the machine learning model, the one or more visual indicators providing a summary of the machine learning model's performance or efficacy.Type: GrantFiled: February 7, 2020Date of Patent: May 9, 2023Assignee: Fair Isaac CorporationInventors: Arash Nourian, Longfei Fan, Feier Lian, Kevin Griest, Jari Koister, Andrew Flint
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Patent number: 11636485Abstract: 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.Type: GrantFiled: April 6, 2018Date of Patent: April 25, 2023Assignee: Fair Isaac CorporationInventors: Scott Michael Zoldi, Alexei Betin
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Patent number: 11521137Abstract: 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.Type: GrantFiled: April 25, 2017Date of Patent: December 6, 2022Assignee: Fair Isaac CorporationInventors: Joshua Prismon, Andrei Palskoi, Andrew K. Holland, Fernando Felipe Campos Donati Jorge, Stuart Clarkson Wells
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Patent number: 11521101Abstract: In one aspect, a computer implemented method for translating and executing rules using a directed acyclic graph is provided. The method includes transforming a ruleset into a directed acyclic graph. The directed acyclic graph includes a plurality of nodes and a plurality of branches. The method further includes identifying similarities across the plurality of branches. The method further includes grouping branches of the directed acyclic graph based on the identified similarities. The method further includes creating a modified directed acyclic graph based on the grouping. The method further includes selecting and using a method of processing a group of the modified directed acyclic graph based on an aspect of the group.Type: GrantFiled: October 31, 2018Date of Patent: December 6, 2022Assignee: Fair Isaac CorporationInventors: Jean-Luc M. Marcé, Gabrio Verratti, Rafay Abdur, Andrei R. Yershov, John Wearing
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Publication number: 20220358111Abstract: A system and method for analyzing coverage, bias and model explanations in large dimensional modeling data includes discretizing three or more variables of a dataset to generate a discretized phase space represented as a grid of a plurality of cells, the dataset comprising a plurality of records, each record of the plurality of records having a value and a unique identifier (ID). A grid transformation is applied to each record in the dataset to assign each record to a cell of the plurality of cells of the grid according to the grid transformation. A grid index is generated to reference each cell using a discretized feature vector. A grid storage for storing the records assigned to each cell of the grid is then created. The grid storage using the ID of each record as a reference to each record and the discretized feature vector as a key to each cell.Type: ApplicationFiled: May 10, 2022Publication date: November 10, 2022Applicant: Fair Isaac CorporationInventors: Scott Michael Zoldi, Shafi Ur Rahman
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Patent number: 11436241Abstract: Computer-implemented methods, systems and products for character string frequency analysis. The method includes a set of operations or steps, including parsing a plurality of character strings into one or more tokens, categorizing the one or more tokens into one or more token frequency categories, and generating a first similarity score between one or more pairs of character strings of the plurality of character strings. The method further includes calculating one or more degrees of commonality or rarity of the plurality of character strings based on the categorizing, generating one or more penalties for token pairs of the one or more pairs of character strings associated with the first similarity score based on the one or more degrees of commonality or rarity and the categorizing, and generating a second similarity score based the first similarity score and the one or more penalties.Type: GrantFiled: July 9, 2019Date of Patent: September 6, 2022Assignee: Fair Isaac CorporationInventor: Girish Kunjur
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Patent number: 11250499Abstract: Optimal strategies for providing offers to a plurality of customers are generated. 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 generate 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.Type: GrantFiled: July 24, 2015Date of Patent: February 15, 2022Assignee: Fair Isaac CorporationInventor: Gerald Fahner