Patents
US 12475132 B2: Computing system and method for applying monte carlo estimation to determine the contribution of dependent input variable groups on the output of a data science model
- Granted
- 2025-11-18
- Filed
- 2023-02-20 application 18111823
- Type
- Utility · 20 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
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.
Source: PVGPATDIS, file of 2026-04-10 (ipg251118.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| Capital One Financial Corporation 141 patents | US company or organization | McLean, VA | CAPITAL ONE FINANCIAL CORP SEC filer FUZZY low confidence: same name (legal endings aside), one of each nationally | PVGPATDIS, file of 2026-04-10 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Konstandinos Kotsiopoulos | Easthampton, MA | 6 | PVGPATDIS, file of 2026-04-10 | |
| Alexey Miroshnikov | Evanston, IL | 6 | PVGPATDIS, file of 2026-04-10 | |
| Arjun Ravi Kannan | Buffalo Grove, IL | 9 | PVGPATDIS, file of 2026-04-10 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06F | Electric digital data processing | G06F16/2465 | PVGPATDIS, file of 2026-04-10 |
| G06N | Computing arrangements based on specific computational models | G06N20/00 | PVGPATDIS, file of 2026-04-10 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
| Recorded | What | From | To | Reel/frame | Source |
|---|---|---|---|---|---|
| 2025-07-02 | Merger Merger | DISCOVER FINANCIAL SERVICES signed 2025-05-16 | CAPITAL ONE FINANCIAL CORPORATION MCLEAN, VA | 71784/903 | PASDL, file of 2026-10-18 |
| 2023-03-13 | Assignment Assignment of assignor's interest | KANNAN, ARJUN RAVI signed 2023-02-17 KOTSIOPOULOS, KONSTANDINOS signed 2023-02-17 MIROSHNIKOV, ALEXEY signed 2023-02-17 | DISCOVER FINANCIAL SERVICES RIVERWOODS, IL | 62961/716 | ECORSEXC, file of 2026-09-25 |
Documents recorded with the USPTO Assignment Recordation Branch that list this patent. A security interest is a lender’s claim on the patent as collateral; a release ends it.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.