Patents by Inventor Jonathan BOARDMAN

Jonathan BOARDMAN 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).

  • Patent number: 12475372
    Abstract: Various aspects involve a monotonic recurrent neural network (MRNN) trained for risk assessment or other purposes. For instance, the MRNN is trained to compute a risk indicator from a predictor variable. Training the MRNN includes adjusting weights of nodes of the MRNN subject to a set of monotonicity constraints, wherein the set of monotonicity constraints causes output risk indicators computed by the RNN to be a monotonic function of input predictor variables. The trained monotonic RNN can be used to generate an output risk indicator for a target entity.
    Type: Grant
    Filed: March 15, 2024
    Date of Patent: November 18, 2025
    Assignee: EQUIFAX INC.
    Inventors: Jonathan Boardman, Xiao Huang
  • Publication number: 20250190588
    Abstract: Systems and methods for automated historical risk assessment for risk mitigation in online access control are provided. An entity assessment server can receive a request to assess a risk indicator change from a first risk indicator to a second risk indicator. For each attribute used to generate the first risk indicator and second risk indicator, a first impact can be determined for changing from the first risk indicator to a third risk indicator between the first risk indicator and the second risk indicator. A second impact similarly can be determined for changing from the third risk indicator to the second risk indicator. Aggregating the first impact and the second impact can determine a total impact of each attribute. Assessment results can be generated to include a list of attributes ordered according to the respective total impact and transmitted to a remote computing device for use in improving the risk indicator.
    Type: Application
    Filed: February 21, 2025
    Publication date: June 12, 2025
    Inventors: Md Shafiul Alam, Jonathan Boardman, Xiao Huang, Jeffery Dugger, Matthew Turner
  • Patent number: 12235971
    Abstract: Systems and methods for automated historical risk assessment for risk mitigation in online access control are provided. An entity assessment server can receive a request to assess a risk indicator change from a first risk indicator to a second risk indicator. For each attribute used to generate the first risk indicator and second risk indicator, a first impact can be determined for changing from the first risk indicator to a third risk indicator between the first risk indicator and the second risk indicator. A second impact similarly can be determined for changing from the third risk indicator to the second risk indicator. Aggregating the first impact and the second impact can determine a total impact of each attribute. Assessment results can be generated to include a list of attributes ordered according to the respective total impact and transmitted to a remote computing device for use in improving the risk indicator.
    Type: Grant
    Filed: November 30, 2022
    Date of Patent: February 25, 2025
    Assignee: Equifax Inc.
    Inventors: Md Shafiul Alam, Jonathan Boardman, Xiao Huang, Jeffery Dugger, Matthew Turner
  • Publication number: 20240265255
    Abstract: Various aspects involve a monotonic recurrent neural network (MRNN) trained for risk assessment or other purposes. For instance, the MRNN is trained to compute a risk indicator from a predictor variable. Training the MRNN includes adjusting weights of nodes of the MRNN subject to a set of monotonicity constraints, wherein the set of monotonicity constraints causes output risk indicators computed by the RNN to be a monotonic function of input predictor variables. The trained monotonic RNN can be used to generate an output risk indicator for a target entity.
    Type: Application
    Filed: March 15, 2024
    Publication date: August 8, 2024
    Inventors: Jonathan BOARDMAN, Xiao HUANG
  • Publication number: 20240176889
    Abstract: Systems and methods for automated historical risk assessment for risk mitigation in online access control are provided. An entity assessment server can receive a request to assess a risk indicator change from a first risk indicator to a second risk indicator. For each attribute used to generate the first risk indicator and second risk indicator, a first impact can be determined for changing from the first risk indicator to a third risk indicator between the first risk indicator and the second risk indicator. A second impact similarly can be determined for changing from the third risk indicator to the second risk indicator. Aggregating the first impact and the second impact can determine a total impact of each attribute. Assessment results can be generated to include a list of attributes ordered according to the respective total impact and transmitted to a remote computing device for use in improving the risk indicator.
    Type: Application
    Filed: November 30, 2022
    Publication date: May 30, 2024
    Inventors: Md Shafiul Alam, Jonathan Boardman, Xiao Huang, Jeffery Dugger, Matthew Turner
  • Patent number: 11960993
    Abstract: Various aspects involve a monotonic recurrent neural network (MRNN) trained for risk assessment or other purposes. For instance, the MRNN is trained to compute a risk indicator from a predictor variable. Training the MRNN includes adjusting weights of nodes of the MRNN subject to a set of monotonicity constraints, wherein the set of monotonicity constraints causes output risk indicators computed by the RNN to be a monotonic function of input predictor variables. The trained monotonic RNN can be used to generate an output risk indicator for a target entity.
    Type: Grant
    Filed: November 10, 2020
    Date of Patent: April 16, 2024
    Assignee: Equifax Inc.
    Inventors: Jonathan Boardman, Xiao Huang
  • Publication number: 20220147817
    Abstract: Various aspects involve a monotonic recurrent neural network (MRNN) trained for risk assessment or other purposes. For instance, the MRNN is trained to compute a risk indicator from a predictor variable. Training the MRNN includes adjusting weights of nodes of the MRNN subject to a set of monotonicity constraints, wherein the set of monotonicity constraints causes output risk indicators computed by the RNN to be a monotonic function of input predictor variables. The trained monotonic RNN can be used to generate an output risk indicator for a target entity.
    Type: Application
    Filed: November 10, 2020
    Publication date: May 12, 2022
    Inventors: Jonathan BOARDMAN, Xiao HUANG