The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Feb. 22, 2022
Filed:
Mar. 31, 2021
Alipay (Hangzhou) Information Technology Co., Ltd., Zhejiang, CN;
Gan Liu, Hangzhou, CN;
Zhigang Hua, Hangzhou, CN;
Zhen Wang, Hangzhou, CN;
Shuang Yang, Hangzhou, CN;
ALIPAY (HANGZHOU) INFORMATION TECHNOLOGY CO., LTD., Hangzhou, CN;
Abstract
Methods, systems, and apparatus, including computer programs encoded on computer storage media, for optimizing resource allocation. The method may comprise: receiving a resource request from a user; iterating through a plurality of entities to obtain a corresponding score for each entity based at least on: a projected approval rate for the entity to approve the resource request, a projected risk for the entity to serve the resource request, and one or more multipliers applied to the projected approval rate and the projected risk; and recommending one of the plurality of entities to serve the resource request for the user based on the corresponding score, wherein the one or more multipliers are obtained by solving an optimization model constructed based on historical data collected from a previous period of time, the historical data comprising approval rates projected for the plurality of entities during the previous period of time.