Fair Isaac Corporation

Xing Zhao

Andrew K Story

Peter Hamilton

Stuart L Crawford

Navin Doshi

Andrew Flint

Prasun Kumar

Richard Schiffman

As part of neural network sensitivity analyses, base outputs of hidden layer nodes of a neural network model for non-perturbed variables can be reused when perturbing the variables. Such an arrangement greatly reduces complexity of the calculations required to generate outputs of the model. Related apparatus, systems, techniques and articles are also described.

Reduction of computation complexity of neural network sensitivity analysis

Data is received that include values that correspond to a plurality of variables. A score is then generated based on the received data and using a boosted ensemble of segmented scorecard models. The boosted ensemble of segmented scorecard models includes two or more segmented scorecard models. Subsequently, data including the score can be provided (e.g., displayed, transmitted, loaded, stored, etc.). Related apparatus, systems, techniques and articles are also described.

Generation of a boosted ensemble of segmented scorecard models

As part of neural network sensitivity analysis, base outputs of hidden layer nodes of a neural network model for non-perturbed variables can be reused when perturbing the variables. Such an arrangement greatly reduces complexity of the calculations required to generate outputs of the model. Related apparatus, systems, techniques and articles are also described.

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.

Scorecard models with measured variable interactions

A tree structure of plurality of information records arranged is recursively grown by splitting at least a portion of the records and by generating at least one predictive model. Related apparatus, systems, methods and computer program products are also described.

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Xing Zhao