Fair Isaac Corporation

Yuchen Chen

Scott Michael Zoldi

A method includes generating a plurality of binary feature maps containing a set of feature map values including a first binary value and/or a second binary value, by at least converting each input value of a set of input values of a plurality of input feature vectors to the first binary value when the corresponding input value is the zero value or the second binary value when the corresponding input value is the non-zero value. The method includes segmenting the plurality of binary feature maps into a plurality of segments representing behavior profiles. Each segment includes at least one subsegment in which the set of feature map values is the same for all binary feature maps in the at least one subsegment. The method includes predicting, based on a segment of the plurality of segments, a specific outcome. Related methods and articles of manufacture are also disclosed.

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Yuchen Chen