Fair Isaac Corporation

Bogdan Eugen Popescu

Joseph P Milana

Chisoo Lyons

Lu Gao

Colin Andrew Shepherd

Eric C Wells

A Click Conversion Score (CCS) is a tool to provide a new 'Ad-Exchange' for connecting Publishers and Advertisers in the Pay-per-Click advertising market. The CCS provides checks and balances into the Ad-Exchange by assessing the quality of traffic each Publisher provides Advertisers using an adaptive, multi-dimensional profiling system. This assessment is directly used in the charges billed the Advertisers. The score is adaptive, and highly dependent on the conversion feedback loop provided by Advertisers. A CCS system scores each Click and each resulting Conversion an Advertiser receives from the Ad-Exchange. In the preferred implementation, the score reflects a ratio of the measured conversion rate for a Publisher's traffic with the 'expected' conversion rate based upon Advertisers histories.

Click conversion score

A decision model is applied to a set of current data from a mortgage portfolio to generate a first portfolio metric. The decision model is formed from a network of a plurality of predictive models that are trained on historical data derived from a plurality of mortgage account profiles for a plurality of mortgages within the mortgage portfolio. One or more of the predictive models is an action-based predictive model allowing modification of at least one attribute affecting performance of the mortgage portfolio. One or more of the attributes can be modified and a second portfolio metric can then be optimized, using the decision model, in light of at least one constraint (which can be user-defined). Related techniques, apparatus, systems, and articles are described.

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Hercules, CA, United States of America

Bogdan Eugen Popescu