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:
Jul. 25, 2023
Filed:
Aug. 27, 2021
International Business Machines Corporation, Armonk, NY (US);
Subarna Roy, Bengaluru, IN;
International Business Machines Corporation, Armonk, NY (US);
Abstract
A method and corresponding system to determine an optimized credit limit assignment using reinforcement learning techniques in order to maximize a reward function for a given bank. A reinforcement learning module is configured to use a set of user profiles and an associated set of risk profiles to determine an initial credit limit assignment. Based on this initial credit limit assignment, an updated set of user profiles and an associated set of updated risk profiles are generated. The reinforcement learning module can use these updated sets of user profiles and associated risk profile as inputs to determine an optimized credit limit assignment that maximizes the reward function for the given bank.