SG11201908634PA - Identifying reason codes from gradient boosting machines - Google Patents

Abstract

-------- - BO% Yes 410/ Amount (80 expected) No IP score > 30 (60 expected) 0% 20% \"IP score' = 0.2-(100%*0.2 + OW0.5) =0 \"AVS Matched , 0.4-(100W0.4 + 0%*0.7) =0 \"Amount' = 0.2480% '0.2 1 20%115) =-0.06 \"Amount\" = 0.4(8096'0.2 + 20%*0.5) =0.14 \"IP score\" = 0.5-(100% . 0.2 + OW0.5) =0.3 \"Amount\" = 0.5-00% 1 '0.2 + 2045*(1.5) =0.24 \"AVS Matched , 0.7-(100W0.4 + 0%*0.7) =0.3 \"Amount\" = 0.748056'0.2 + 20%*0.5) =0.44 11 11 N 00 11 00 11 O (12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date 11 October 2018 (11.10.2018) WIPO I PCT omit IIl °nolo III of mom Oil omoiliflo oimIE (10) International Publication Number WO 2018/187122 Al (51) International Patent Classification: GOOF 17/30 (2006.01) GOON 99/00 (2010.01) (21) International Application Number: PCT/US2018/024896 (22) International Filing Date: 28 March 2018 (28.03.2018) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 15/482,489 07 April 2017 (07.04.2017) US (71) Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION [US/US]; P.O. Box 8999, San Francisco, 94128 (US). (72) Inventors: ODIBAT, Omar; 4006 Knob Creek Ln., Cedar Park, Texas 78613 (US). BARCENAS, Claudia; 10807 Redmond Cove, Austin, Texas 78739 (US). (74) Agent: DAVIS, Christopher R. et al.; Kilpatrick, Townsend & Stockton LLP, 1100 Peachtree Street, Suite 2800, Atlanta, Georgia 30309 (US). (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, (54) Title: IDENTIFYING REASON CODES FROM GRADIENT BOOSTING MACHINES 400 FIG. 4 (57) : A classification server perform a method for classifying an entity and identifying reason codes for the classification. The classification server can use a gradient boosting machine to build a classification model using training data. The classification model can be an ensemble of decision trees where each terminal node in the decision tree is associated with a response. The responses from each decision tree can be aggregated by the classification server in order to determine a classification for a new entity. The classification server can determine feature contribution values based on expected feature values. These feature contribution values can be associated with each of the responses in the classification model. These feature contribution values can be used to determine reason codes for the classification of the entity. As such, the classification server can perform a single traversal of the classification model to classify the entity and identify reason codes. [Continued on next page] WO 2018/187122 Al OII SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Declarations under Rule 4.17: as to the applicant's entitlement to claim the priority of the earlier application (Rule 4.17(iii)) Published: — with international search report (Art. 21(3))