Capital One Services, LLC

Arthur Ai, Inc.

Keegan Hines

Christopher Bayan Bruss

Mohammad Reza Sarshogh

James O H Montgomery

John Dickerson

Athanassios Kintsakis

Sahil Verma

Priscilla Alexander

Rowan Cheung

Reese M E Hyde

Kenneth S Chen

Reese Hyde

Adam Wenchel

Karthik Rao

Elizabeth O'sullivan

Systems, methods, and computer program products to provide credit decisioning based on graph neural networks. A lending network graph of a plurality of loans may be received, each loan associated with a creditor and one account. A first node of the graph may be associated with a first creditor and the second node may be associated with a first account. A graph neural network may receive a respective message from each node connected to the first node, each message comprising an embedding vector reflecting a current state of the node. The graph neural network may update weights for the first node in a forward pass. The graph neural network may receive a respective message from each node connected to the second node, each message comprising the embedding vector reflecting the current state of the node. The graph neural network may update weights for the second node in a backward pass.

Credit decisioning based on graph neural networks

Methods and systems disclosed herein may quantify the content and nature of first streaming data to detect when the typical composition of the first streaming data changes. Quantifying the content and nature of the first streaming data may begin by generating a baseline representation of the content of the first streaming data as represented by a first matrix. Once generated, the first matrix may be used as a control against subsequently received data streams. In this regard, a second matrix may be generated from second streaming data and compared to the first matrix to determine the differences between the first streaming data and the second streaming data. Once a difference is determined, the difference may be compared to a threshold value and, when the difference exceeds the threshold value, an administrator may be notified and corrective action taken.

Method and system for detecting drift in text streams

In an embodiment, the systems and methods discussed herein are related to generating, via a processor, a Markov Distribution Problem (MDP), the MDP including a state space, an action space, a transition function, a reward function, and a discount factor. A reinforcement learning (RL) model is applied, via the processor, to the MDP to generate a RL agent. An input data associated with a first user is received at the RL agent. At least one counterfactual explanation (CFE) is generated via the processor and by the RL agent and based on the input data. A representation of the at least one CFE and at least one recommended remedial action is caused to transmit, via the processor, to at least one of a compute device of the first user or a compute device of a second user different from and associated with the first user.

Media for generating fast counterfactual explanations using reinforcement learning

Disclosed are methods, systems, and non-transitory computer-readable medium for targeting bid and position for a keyword. For instance, the method may include obtaining information about the keyword, the information about the keyword including observations of value with respect to position for the keyword. The method may further include applying a Gaussian Process Model on the observations to obtain a prediction function and associated uncertainties, the prediction function and the associated uncertainties relating positions to expected values; applying a Thompson sampling reinforcement learning model on the expected values and the positions to obtain a target position; and applying a bid model to the target position to obtain bid information for the keyword. The method may also include transmitting a bid message to a search engine, the bid message including the bid information.

Systems and methods for targeting bid and position for a keyword

A method for monitoring performance of a ML system includes receiving a data stream via a processor and generating a first plurality of metrics based on the data stream. The processor also generates input data based on the data stream, and sends the input data to a machine learning (ML) model for generation of intermediate output and model output based on the input data. The processor also generates a second plurality of metrics based on the intermediate output, and a third plurality of metrics based on the model output. An alert is generated based on at least one of the first plurality of metrics, the second plurality of metrics, or the third plurality of metrics, and a signal representing the alert is sent for display to a user via an interface.

Machine learning monitoring systems and methods

In some embodiments, a method includes generating a trained decision tree with a set of nodes based on input data and a partitioning objective, and generating a modified decision tree by recursively passing the input data through the trained decision tree, recursively calculating, for each of the nodes, an associated set of metrics, and recursively defining an association between each of the nodes and the associated set of metrics. A node from a set of nodes of the modified decision tree is identified that violates a user-specified threshold value, associated with a user, for at least one of the metrics. The method also includes causing transmission of a signal to a compute device of the user, the signal including a representation of the identified node.

Systems and method for automating detection of regions of machine learning system underperformance

Systems, methods, and computer program products to provide neural embeddings of transaction data. A network graph of transaction data based on a plurality of transactions may be received. The network graph of transaction data may define relationships between the transactions, each transaction associated with at least a merchant and an account. A neural network may be trained based on training data comprising a plurality of positive entity pairs and a plurality of negative entity pairs. An embedding function may then encode transaction data for a first new transaction. An embeddings layer of the neural network may determine a vector for the first new transaction based on the encoded transaction data for the first new transaction. A similarity between the vectors for the transactions may be determined. The first new transaction may be determined to be related to the second transaction based on the similarity.

Neural embeddings of transaction data

Methods and systems disclosed herein may quantify a representation of a type of input an image analysis system should expect. The image analysis system may be trained on the type of input the image analysis system should expect using a first image stream. A first model of the type of input that the image analysis system should expect may be built from the first image stream. After the first model is built, a second image, or a second image stream, may be compared to the first model to determine a difference between the second image, or second image stream, and the first image stream. When the difference is greater than or equal to a threshold, a drift may be detected and steps may be taken to determine the cause of the drift.

Method and system for detecting drift in image streams

In some embodiments, a first plurality of representations are extracted from a first data set. A first set of distributions are generated based on the first plurality of representations. A machine learning model is trained based on the first plurality of representations and the first set of distributions. A second plurality of representations are extracted from a second data set different from the first data set. The machine learning model is executed based on the second plurality of representations to produce a second set of distributions. An anomaly score is determined for each datum from the second data set to produce a set of anomaly scores. The set of anomaly scores are determined based on the first set of distributions and the second set of distributions. A notification is generated when at least one anomaly score from the set of anomaly scores is larger than a predetermined threshold.

Systems and methods for detecting drift between data used to train a machine learning model and data used to execute the machine learning model

In an embodiment, the systems and methods discussed herein are related to generating, via a processor, a Markov Decision Process (MDP), the MDP including a state space, an action space, a transition function, a reward function, and a discount factor. A reinforcement learning (RL) model is applied, via the processor, to the MDP to generate a RL agent. An input data associated with a first user is received at the RL agent. At least one counterfactual explanation (CFE) is generated via the processor and by the RL agent and based on the input data. A representation of the at least one CFE and at least one recommended remedial action is caused to transmit, via the processor, to at least one of a compute device of the first user or a compute device of a second user different from and associated with the first user.

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Washington, DC, United States of America

Keegan Hines