Patents by Inventor Equifax, Inc.

Equifax, Inc. has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Publication number: 20130173452
    Abstract: Various embodiments of the present invention provide systems and methods for determining a personalized fusion score. In certain embodiments, the systems and methods are configured for calculating preliminary fused scores for consumers at least in part by applying a first score fusion technique across the sample of consumer data. Segmentation scores are then calculated based at least in part upon the preliminary fused scores. In those and other embodiments, the segmentation scores enable creation of a plurality of cluster subsets within the sample of consumer data. In certain embodiments cluster subsets are defined at least in part by a particular score mix, while in other embodiments subsets are defined at least in part by respective score fusion techniques that prove optimal for each subset. Further, in various embodiments, application of multiple score fusion techniques across respective cluster subsets provides personalized fusion scores for the consumers in each respective cluster subset.
    Type: Application
    Filed: December 28, 2012
    Publication date: July 4, 2013
    Applicant: EQUIFAX, INC.
    Inventor: Equifax, Inc.
  • Publication number: 20130173236
    Abstract: Various embodiments provide systems, methods, and computer-program products for fusing at least two scores. In various embodiments, each of the scores predicts the probability of an outcome associated with a particular unit and an angle with respect to a horizon at which an object would rest at a point on a frictionless spherical surface is calculated based on the scores. The object comprises characteristics of the particular unit at said point on the spherical surface and the scores represent a downward force of gravity that would be exerted upon the object. In particular embodiments a displaced force is calculated based on the angle and the downward force of gravity interacting according to laws of physics. The displaced force is that which would need to be exerted upon the object to compel the object to move down the spherical surface and is used as a fused score.
    Type: Application
    Filed: December 28, 2012
    Publication date: July 4, 2013
    Applicant: EQUIFAX, INC.
    Inventor: Equifax, Inc.
  • Publication number: 20130173237
    Abstract: Various embodiments of the present invention provide systems, methods, and computer-program products for fusing at least two scores. In various embodiments, at least two scores are received in which each score predicts the probability of an outcome associated with a particular unit. In particular embodiments, A mass and a distance are calculated between two objects based on the at least two scores in which the first of the two objects is a constant and the second of the two objects comprises one or more characteristics of the particular unit. Further, in particular embodiments, a gravitational force between the two objects is calculated based on the mass and the distance and this gravitational force is used as a fused score for the at least two scores.
    Type: Application
    Filed: December 28, 2012
    Publication date: July 4, 2013
    Applicant: EQUIFAX, INC.
    Inventor: Equifax, Inc.