Visa International Service Association

Xi Kan

Dan Wang

Chiranjeet Chetia

Shi Cao

Sheng Wang

Shuo Wang

Fengyi Gao

Systems, methods, and computer program products are provided for generating and improving multitask learning models. An example method includes determining a first accuracy metric based on at least two machine learning models performing a plurality of tasks, receiving a multitask learning model including at least one shared layer and a plurality of task-specific layers, determining a second accuracy metric based on the multitask learning model having a first number of shared layers, determining a third accuracy metric based on the multitask learning model having a second number of shared layers, comparing the accuracy metrics, repeating until at least one termination condition is satisfied, and determining a target number of shared layers for the multitask learning model based on at least one of the second accuracy metric, the third accuracy metric, the first number of shared layers, the second number of shared layers, or any combination thereof.

System, method, and computer program product for generating and improving multitask learning models

A computer-implemented method includes: receiving an inquiry request message identifying a first payment transaction having a plurality of transaction parameters and a risk score, where the risk score is generated by a machine-learning model based on the plurality of transaction parameters; for each transaction parameter of the plurality of transaction parameters, perturbing a value of the transaction parameter and re-analyzing the first payment transaction with the machine-learning model to generate a perturbed risk score based on the perturbed transaction parameter; determining at least one impact parameter from the plurality of transaction parameters by comparing the perturbed risk scores generated for each of the plurality of transaction parameters; and generating an inquiry response message based on the at least one impact parameter.

System, method, and computer program product for interpreting black box models by perturbing transaction parameters

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Xi Kan