US Patent Issued to Capital One Finnancial on May 26 for "Generating gradient boosting machine model reason codes" (Arizona Inventors)

ALEXANDRIA, Va., May 26 -- United States Patent no. 12,639,583, issued on May 26, was assigned to Capital One Finnancial Corp. (McLean, Va.).

"Generating gradient boosting machine model reason codes" was invented by Bingrong Jiang (Phoenix) and Taisong Zou (Phoenix).

According to the abstract* released by the U.S. Patent & Trademark Office: "A method for constructing a lookup table for determining outcomes of a prediction model. The method includes: (a) determining all possible outcomes for each hierarchy of the prediction model; (b) determining contributions of a set of features for each hierarchy of the prediction model; and (c) constructing the lookup table based on all possible outcomes and contributions of each of the set of features...