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US 2014/0180649 A1Published application
Scorecard Models with Measured Variable Interactions
AssigneeFair Isaac Corporation
InventorsXing Zhao, Peter Hamilton, Andrew K. Story, Andrew Flint
Life of this patent
Estimating the term…
Abstract
Data is received that characterizes a transaction and includes a plurality of values corresponding to variables. Thereafter, a score is determined for the transaction based on the received data and using a scoring model. The scoring model only uses variables pairs having a divergence residual above a pre-defined threshold. Thereafter, data is provided that characterizes the determined score. Related apparatus, systems, techniques and computer program products are also described.
Claims20
A method comprising:
- receiving data characterizing a transaction, the data comprising a plurality of values corresponding to variables;
- determining, based on the received data and using a scoring model, a score for the transaction, the scoring model only using variables pairs having a divergence residual above a pre-defined threshold;
- and
- providing data characterizing the determined score.
1 more element
A method comprising:
- receiving data characterizing a transaction, the data comprising a plurality of values corresponding to variables;
- determining, based on the received data and using a scoring model, a score for the transaction, the scoring model only using variables pairs having a root mean square error (RMSE) residual above a pre-defined threshold;
- and
- providing data characterizing the determined score.
1 more element
A method comprising:
- receiving data comprising a plurality of values for variables across a plurality of transactions;
- identifying pairs of variables having divergence values above a pre-defined threshold;
- and
- generating a scorecard model using the identified pairs of variables.
1 more element
A method comprising:
- receiving data comprising a plurality of values for variables across a plurality of transactions;
- identifying pairs of variables having RMSE residual values above a pre-defined threshold;
- and
- generating a scorecard model using the identified pairs of variables.
1 more element
Dependencies are inferred from the claim text.