Equifax Inc.

Allan Joshua

Matthew Turner

Lewis Jordan

Mark Day

Stephen Miller

Rajkumar Bondugula

Hongchao Li

Hannah Wang

Systems and methods for automated path-based recommendation for risk mitigation are provided. An entity assessment server, responsive to a request for a recommendation for modifying a current risk assessment score of an entity to a target risk assessment score, accesses an input attribute vector for the entity and clusters of entities defined by historical attribute vectors. The entity assessment server assigns the input attribute vector to a particular cluster and determines a requirement on movement from a first point to a second point in a multi-dimensional space based on the statistics computed from the particular cluster. The first point corresponds to the current risk assessment score and the second point corresponds to the target risk assessment score. The entity assessment server computes an attribute-change vector so that a path defined by the attribute-change vector complies with the requirement and generates the recommendation from the attribute-change vector.

Automated path-based recommendation for risk mitigation

Systems and methods for automated path-based recommendation for risk mitigation are provided. An entity assessment server, responsive to a request for a recommendation for modifying a current risk assessment score of an entity to a target nsk assessment score, accesses an input attribute vector for the entity and clusters of entities defined by historical attribute vectors. The entity assessment server assigns the input attribute vector to a particular cluster and determines a requirement on movement from a first point to a second point in a multi-dimensional space based on the statistics computed from the particular cluster. The first point corresponds to the current risk assessment score and the second point corresponds to the target risk assessment score. The entity assessment server computes an attribute-change vector so that a path defined by the attribute-change vector complies with the requirement and generates the recommendation from the attribute-change vector.

In some aspects, a computing system can generate and optimize a neural network for risk assessment. The neural network can be trained to enforce a monotonic relationship between each of the input predictor variables and an output risk indicator. The training of the neural network can involve solving an optimization problem under a monotonic constraint. This constrained optimization problem can be converted to an unconstrained problem by introducing a Lagrangian expression and by introducing a term approximating the monotonic constraint. Additional regularization terms can also be introduced into the optimization problem. The optimized neural network can be used both for accurately determining risk indicators for target entities using predictor variables and determining explanation codes for the predictor variables. Further, the risk indicators can be utilized to control the access by a target entity to an interactive computing environment for accessing services provided by one or more institutions.

Machine-learning techniques for monotonic neural networks

Certain aspects produce a scoring model that can automatically classify future text samples. In some examples, a processing device perform operations for producing a scoring model using active learning. The operations includes receiving existing text samples and searching a stored, pre-trained corpus defining embedding vectors for selected words, phrases, or documents to produce nearest neighbor vectors for each embedding vector. Nearest neighbor selections are identified based on distance between each nearest neighbor vector and the embedding vector for each selection to produce a text cloud. Text samples are selected from the text cloud to produce seed data that is used to train a text classifier. A scoring model can be produced based on the text classifier. The scoring model can receive a plurality of new text samples and provide a score indicative of a likelihood of being a member of a selected class.

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Atlanta, GA, United States of America

Allan Joshua