Patents Assigned to Fair Isaac Corporation
  • Patent number: 11900181
    Abstract: A data object from a data source is received by a distributed process in a data stream. The distributed process has a sequence of categories, each category containing one or more tasks that operate on the data object. The data object includes files that can be processed by the tasks. If the task is able to operate on the data object, then the data object is passed to the task. If the task is unable to operate on the data object, then the files in the data object are passed to a file staging area of the distributed process and stored in memory. The files in the file staging area are passed, in sequence, from the file staging area to the task that was unable to operate on the data object. The data object is outputted to a next category or data sink after being operated on by the task.
    Type: Grant
    Filed: April 28, 2021
    Date of Patent: February 13, 2024
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Shalini Raghavan, Tom J. Traughber, George Vanecek, Jr.
  • Patent number: 11886512
    Abstract: 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: Grant
    Filed: May 7, 2022
    Date of Patent: January 30, 2024
    Assignee: Fair Isaac Corporation
    Inventors: Christopher Allan Ralph, Gerald Fahner, Liang Meng
  • Patent number: 11875239
    Abstract: 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.
    Type: Grant
    Filed: January 30, 2023
    Date of Patent: January 16, 2024
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Chong Huang, Arash Nourian, Feier Lian, Longfei Fan, Kevin Griest, Jari Koister, Andrew Flint
  • Patent number: 11875232
    Abstract: 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: Grant
    Filed: December 2, 2019
    Date of Patent: January 16, 2024
    Assignee: Fair Isaac Corporation
    Inventors: Matthew Bochner Kennel, Scott Michael Zoldi
  • Patent number: 11836746
    Abstract: A diagnostic system for model governance is presented. The diagnostic system includes an auto-encoder to monitor model suitability for both supervised and unsupervised models. When applied to unsupervised models, the diagnostic system can provide a reliable indication on model degradation and recommendation on model rebuild. When applied to supervised models, the diagnostic system can determine the most appropriate model for the client based on a reconstruction error of a trained auto-encoder for each associated model. An auto-encoder can determine outliers among subpopulations of consumers, as well as support model go-live inspections.
    Type: Grant
    Filed: December 2, 2014
    Date of Patent: December 5, 2023
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Jun Zhang, Scott Michael Zoldi
  • Patent number: 11818147
    Abstract: 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: Grant
    Filed: November 23, 2020
    Date of Patent: November 14, 2023
    Assignee: Fair Isaac Corporation
    Inventors: Scott Michael Zoldi, Shafi Ur Rahman
  • Patent number: 11804302
    Abstract: A sensitivity index model for predicting the sensitivity of an entity to a potential future disruption can be trained using a process that includes dividing a population of entities for which data attributes are available into matched pairs in a first sub-population and a second sup-population based on matching propensity scores for the entities using supervised machine learning, modeling outcomes for the two sub-populations, using the resultant models to calculate expected performances of the entities under differing conditions, and generating the sensitivity index model using supervised learning techniques based on quantification of differences between the calculated expected performances for the entities.
    Type: Grant
    Filed: September 8, 2021
    Date of Patent: October 31, 2023
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Gerald Fahner, Brad Vancho
  • Patent number: 11804306
    Abstract: 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: Grant
    Filed: November 13, 2020
    Date of Patent: October 31, 2023
    Assignee: Fair Isaac Corporation
    Inventors: Jun Hua, Hui Zhu, Catherine V. Orate-Pott, David Shellenberger, Deonadayalan Narayanaswamy, Niranjan A. Shetty
  • Patent number: 11755925
    Abstract: Computer-implemented decision management systems and methods are provided. The method comprises obtaining information associated with factors usable for making a decision from among a plurality of inter-related decisions represented by a plurality of corresponding nodes. The computing environment provides access to resources that store information about relationships among the plurality of nodes. A relationship may be presentable as an edge connecting at least two nodes from among the plurality of nodes. The strength of the relationship between the at least two nodes is measurable and definable based on associations between the inter-related decisions. A valued may be determined that provides a measure for the strength of the relationship between the at least two nodes based on the information associated with the factors and the information about the relationships among the plurality of nodes.
    Type: Grant
    Filed: March 13, 2019
    Date of Patent: September 12, 2023
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Benjamin Dean Williams, Fernando Dontati Jorge
  • Patent number: 11748360
    Abstract: 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: Grant
    Filed: May 11, 2021
    Date of Patent: September 5, 2023
    Assignee: Fair Isaac Corporation
    Inventors: Scott Michael Zoldi, Gerald Fahner
  • Patent number: 11727325
    Abstract: 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: Grant
    Filed: August 1, 2018
    Date of Patent: August 15, 2023
    Assignee: Fair Isaac Corporation
    Inventors: Jean-Luc M. Marcé, Balachandar Rangarajulu Sriramulu, Imran Ali, Qiao Chen
  • Publication number: 20230244905
    Abstract: 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: Application
    Filed: January 28, 2022
    Publication date: August 3, 2023
    Applicant: Fair Isaac Corporation
    Inventors: Scott ZOLDI, Maziar YAESOUBI, Keerthi KANCHERLA, Todd SMITH
  • Patent number: 11709918
    Abstract: A system and method for constructing an improved computing model that preserves use rights for data utilized by the model. A first dataset is accessed to build a computing model. The first data set is subject to terminable usage rights provisions. A portion of the first dataset is sampled to generate a second dataset. Vectors present in the first dataset and the second dataset are discretized. In response to determine that the usage rights associated with the primary dataset have been terminated, a coverage depletion for the second dataset is computed based on the usage rights termination associated with the first dataset. An estimated mean time to coverage failure for the first model based on the depletion coverage is determined for the second dataset. One or more data points are removed from the first dataset due to the termination of usage rights.
    Type: Grant
    Filed: April 17, 2020
    Date of Patent: July 25, 2023
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Scott Michael Zoldi, Shafi Ur Rahman
  • Patent number: 11704342
    Abstract: 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: Grant
    Filed: May 14, 2021
    Date of Patent: July 18, 2023
    Assignee: Fair Isaac Corporation
    Inventors: Girish Kunjur, John R. Ripley
  • Patent number: 11694292
    Abstract: A system and method includes soft-segment based rules optimization that can mitigate the overall false positives while maintaining 100% true positive detection. The soft clustering allows real-time re-assignment of an account to a dominate archetype behavior, as well as rule optimization based on a logical order with more relaxation on thresholds for the most inefficient rules is performed within each archetype. The rule optimization provides false positive reduction compared to a baseline rule system. The method can be used to reduce false positives for any rule-based detection system in which the same true positive detection is required.
    Type: Grant
    Filed: April 25, 2019
    Date of Patent: July 4, 2023
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Scott Michael Zoldi, Qing Lin
  • Patent number: 11687804
    Abstract: 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: Grant
    Filed: June 30, 2020
    Date of Patent: June 27, 2023
    Assignee: Fair Isaac Corporation
    Inventors: Scott Michael Zoldi, Shafi Ur Rahman
  • Patent number: 11682019
    Abstract: 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: Grant
    Filed: January 22, 2021
    Date of Patent: June 20, 2023
    Assignee: Fair Isaac Corporation
    Inventors: Jun Zhang, Yuting Jia, Scott Michael Zoldi
  • Patent number: 11663658
    Abstract: 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: Grant
    Filed: November 19, 2021
    Date of Patent: May 30, 2023
    Assignee: Fair Isaac Corporation
    Inventors: Scott Zoldi, Jeremy Mamer Schmitt, Maria Edna Derderian, Jianjun Xie
  • Patent number: 11650816
    Abstract: 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: Grant
    Filed: September 23, 2021
    Date of Patent: May 16, 2023
    Assignee: Fair Isaac Corporation
    Inventors: Ken Bouley, Bruno Courbage, Sathya Sekar
  • Patent number: 11645581
    Abstract: 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: Grant
    Filed: February 7, 2020
    Date of Patent: May 9, 2023
    Assignee: Fair Isaac Corporation
    Inventors: Arash Nourian, Longfei Fan, Feier Lian, Kevin Griest, Jari Koister, Andrew Flint