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:
Nov. 18, 2025
Filed:
Feb. 20, 2023
Capital One Financial Corporation, McLean, VA (US);
Konstandinos Kotsiopoulos, Easthampton, MA (US);
Alexey Miroshnikov, Evanston, IL (US);
Arjun Ravi Kannan, Buffalo Grove, IL (US);
Capital One Financial Corporation, McLean, VA (US);
Abstract
A computing platform is configured to (i) train a data science model object to receive an input data record including a set of input variables and output a score for the input data record, (ii) arrange the set of input variables into variable groups based on dependencies between input variables, (iii) identify an input data record to be scored by the model object, (iv) for each respective variable group, iterate the following: (a) identify a sample historical data record from a set of historical data records, (b) select a random group coalition including the respective variable group and zero or more other variable groups, and (c) use the input data record, the sample historical data record, and the randomly-selected group coalition to compute an iteration-specific contribution value, and (v) for each respective variable group, aggregate the iteration-specific contribution values for each iteration and thereby determine an aggregated contribution value for the respective variable group.