Patents Assigned to FICO
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Publication number: 20260170130Abstract: A semi-supervised performance inference system. The system may include a plurality of neurons organized in an array, wherein a neuron comprises a register, a microprocessor, and at least one input. The system may include a plurality of synaptic circuits, a synaptic circuit including a memory for storing a synaptic weight, wherein a neuron is connected to at least one other neuron via one of the plurality of synaptic circuits, where performance of an unknown object in a population of objects is inferenced by constructing a consortium dataset from training data in a plurality of data sources.Type: ApplicationFiled: December 12, 2024Publication date: June 18, 2026Applicant: FICOInventors: Scott ZOLDI, Chenyang LIAN, V Indukala P
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Publication number: 20250156582Abstract: A method, a system, and a computer program product for generating a refined synthetic data from one or more sources of data. One or more source data are received from one or more data sources. One or more encoded source data are generated from the one or more source data. A synthetic data is generated by decoding one or more encoded source data. One or more variables in the synthetic data are selected and one or more predetermined identifiability values and one or more predetermined anonymity values are associated with them. The generated synthetic data including the selected variables is decoded using associated one or more predetermined identifiability values and one or more predetermined anonymity values. The decoded synthetic data is outputted.Type: ApplicationFiled: January 15, 2025Publication date: May 15, 2025Applicant: FICOInventors: Christopher Allan Ralph, Gerald Fahner
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Publication number: 20240220907Abstract: 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: ApplicationFiled: March 18, 2024Publication date: July 4, 2024Applicant: FICOInventors: Mary Krone, Ryan Weber, Ana Paula Azevedo Travassos, Laura Waterbury, Paulo Mei, Mayumi Assato, Shubham Kedia, Nitin Basant, Chisoo Lyons
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Publication number: 20240078475Abstract: 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: ApplicationFiled: November 9, 2023Publication date: March 7, 2024Applicant: FICOInventors: Matthew Bochner Kennel, Scott Michael Zoldi
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Publication number: 20240039934Abstract: Systems for improving security of a computer-implemented artificial intelligence by monitoring one or more transactions received by the machine learning decision model; receiving a first score generated by the machine learning decision model in association with a first transaction; identifying the first transaction as belonging to a first class, in response to the first score being lower than a certain score threshold and the first transaction having a low occurrence likelihood; receiving a second score in association with the first transaction based on one or more adversarial latent features associated with the first transaction as detectable by an adversary detection model; and determining at least one adversarial latent transaction feature being exploited by the first transaction, in response to determining that the second score falls above the certain score threshold.Type: ApplicationFiled: October 11, 2023Publication date: February 1, 2024Applicant: FICOInventors: Scott Michael Zoldi, Shafi Ur Rahman
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Publication number: 20240013926Abstract: 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: ApplicationFiled: September 22, 2023Publication date: January 11, 2024Applicant: FICOInventors: Jun Hua, Hui Zhu, Catherine V. Orate-Pott, David Shellenberger, Deonadayalan Narayanaswamy, Niranjan A. Shetty
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Publication number: 20240013919Abstract: Computer-implemented systems, methods and products for modeling sensitivities to potential disruptions by observing performances of entities in a first sub-population and a second sub-population using a machine learning model comprising a set of predictors and a binary indicator variable associated with a first entity subjected to a first event associated with the first sub-population, the machine learning model trained to predict an expected performance for the first entity based on at least one of a known attribute associated with the first entity in relation to the first event and a value of the binary indicator variable associated with the first event.Type: ApplicationFiled: September 13, 2023Publication date: January 11, 2024Applicant: FICOInventors: Gerald Fahner, Brad Vancho
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Publication number: 20200151628Abstract: A computer-implemented method for technologically improving a computer-implemented machine-learning model, the method comprising receiving, by a model, at least a first data record; generating a first score representing a first likelihood that the first data record is associated with a first classification, in response to feedback received from one or more data sources communicating with at least one computing system on which the model is implemented; generating a second score to represent a second likelihood that the first data record is associated with the first classification, in response to the first score being higher than a threshold value.Type: ApplicationFiled: November 12, 2019Publication date: May 14, 2020Applicant: FICOInventors: Scott M. Zoldi, Larry Peranich, Jehangir Athwal, Uwe Mayer, Sajama