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:
Apr. 28, 2026
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, for a model object trained to output a score for an input data record, the input data record including a set of input variables that are arranged into groups based on dependencies, iterate the following for each respective input variable in each respective group: (a) identify a sample from a set of historical data records, (b) determine a first score for the sample, (c) determine a second score for the sample that is conditioned on the respective group in a given input data record, (d) select a random variable coalition within the respective group, (e) compute a group-specific contribution value for the respective input variable in the respective group, and (f) compute an iteration-specific contribution value for the respective input variable to the model output, and (vi) for each respective input variable, aggregate the iteration-specific contribution values and thereby determine an aggregated contribution value for the respective input variable.
Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile