Patents
US 12614083 B2: Computing system and method for applying Monte Carlo estimation to determine the contribution of individual input variables within dependent variable groups on the output of a data science model
- Granted
- 2026-04-28
- Filed
- 2023-02-20 application 18111826
- Type
- Utility · 20 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
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.
Source: PTBLXML, file of 2026-04-28 (ipgb20260428.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 | PTBLXML, file of 2026-04-28 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Konstandinos Kotsiopoulos | Easthampton, MA | 6 | PTBLXML, file of 2026-04-28 | |
| Alexey Miroshnikov | Evanston, IL | 6 | PTBLXML, file of 2026-04-28 | |
| Arjun Ravi Kannan | Buffalo Grove, IL | 9 | PTBLXML, file of 2026-04-28 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06N | Computing arrangements based on specific computational models | G06N5/022 | PTBLXML, file of 2026-04-28 |
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 | KOTSIOPOULOS, KONSTANDINOS signed 2023-02-17 MIROSHNIKOV, ALEXEY signed 2023-02-17 KANNAN, ARJUN RAVI signed 2023-02-17 | DISCOVER FINANCIAL SERVICES RIVERWOODS, IL | 62961/778 | PASDL, file of 2026-10-15 |
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.