Estimating transaction risk using sub-models characterizing...

Details Estimating transaction risk using sub-models characterizing... Estimating transaction risk using sub-models characterizing...

2008-03-26

2011-12-13

Rivas, Omar Fernandez (Department: 2122)

Data processing: artificial intelligence

Miscellaneous

C706S015000, C706S016000, C706S020000, C706S021000, C706S045000, C706S047000, C706S052000, C705S001100, C705S007280, C705S014260, C705S014470

Reexamination Certificate

active

08078569

ABSTRACT:
In one aspect, input data for a predictive model characterizing a level of risk for a data transaction is received that includes values for categorical variables and one or more of binary variables and continuous variables the predictive model. Thereafter, one or more of the categorical variables is associated with one of a plurality of keys. Each key having corresponding coefficients for at least a subset of the binary variables and the continuous variables and the coefficients being dependent on a value for the key. A composite value based on values for each of at least a subset of the binary variables and the continuous variables as calculated using the corresponding coefficients for each key can then be generated. Scoring of the data transaction using the binary variables, the continuous variables, and the composite variables can then be initiated by the predictive model. Related apparatus, systems, techniques and articles are also described.

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