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1. 发明申请

WO2023063972A1 RECORDS MATCHING TECHNIQUES FOR FACILITATING DATABASE SEARCH AND FRAGMENTED RECORD DETECTION 审中-公开
公开(公告)号：WO2023063972A1
公开(公告)日：2023-04-20
申请号：PCT/US2021/071850
申请日：2021-10-13
申请人： EQUIFAX INC.
发明人： SIVARAJ, Sunit , CYZIO, Marek , PATEL, Piyush , KING, Michele , BONDUGULA, Rajkumar
IPC分类号： G06F16/215 , G06F16/2458
摘要： In some aspects, a record-matching computing system for matching records to facilitate database search and fragmented records detection is provided. The record-matching computing system is configured to receiving a query record and search in a data repository storing data records for a record that matches the query record. The record-matching computing system retrieves a reference record from the data records and generates multiple identifier scores. Each identifier score measures a degree of matching between the corresponding identifiers in the query record and the reference record. The record-matching computing system generates an overall matching score by combining at least two of the identifier scores and determines the reference record as a match to the query record based on the overall matching score exceeding a threshold value.

2. 发明申请

WO2018057701A1 TRANSFORMING ATTRIBUTES FOR TRAINING AUTOMATED MODELING SYSTEMS 审中-公开
标题翻译：训练自动建模系统的转换属性
公开(公告)号：WO2018057701A1
公开(公告)日：2018-03-29
申请号：PCT/US2017/052659
申请日：2017-09-21
申请人： EQUIFAX, INC. , LITHERLAND, Trevis J.
发明人： LITHERLAND, Trevis J. , HAO, Li , BONDUGULA, Rajkumar
IPC分类号： G06N99/00
摘要： In some aspects, a machine-learning model, which can transform input attribute values into a predictive or analytical output value, can be trained with training data grouped into attributes. A subset of the attributes can be selected and transformed into a transformed attribute used for training the model. The transformation can involve grouping portions of the training data for the subset of attributes into respective multi-dimensional bins. Each dimension of a multi-dimensional bin can correspond to a respective selected attribute. The transformation can also involve computing interim predictive output values. Each interim predictive output value can be generated from a respective training data portion in a respective multi-dimensional bin. The transformation can also involve computing smoothed interim output values by applying a smoothing function to the interim predictive output values. The transformation can also involve outputting the smoothed interim output values as a dataset for the transformed attribute.
摘要翻译：在一些方面，可以用分组为属性的训练数据来训练可以将输入属性值转换为预测或分析输出值的机器学习模型。可以选择属性的子集并将其转换为用于训练模型的转换属性。转换可以涉及将用于属性子集的训练数据的部分分组到相应的多维分箱中。多维仓的每个维度可以对应于相应的选定属性。转换还可以涉及计算临时预测输出值。每个临时预测输出值可以从各个多维仓中的相应训练数据部分生成。该变换还可以涉及通过对临时预测输出值应用平滑函数来计算平滑的临时输出值。转换还可以包括将平滑的临时输出值作为转换属性的数据集输出。

3. 发明申请

WO2023060150A1 DATA COMPRESSION TECHNIQUES FOR MACHINE LEARNING MODELS 审中-公开
公开(公告)号：WO2023060150A1
公开(公告)日：2023-04-13
申请号：PCT/US2022/077637
申请日：2022-10-06
申请人： EQUIFAX INC.
发明人： GUO, Bo , BONDUGULA, Rajkumar
IPC分类号： G06N3/02 , G06N3/088 , G06N5/022 , G06N20/00 , G06N3/084 , G06F18/2148 , G06N5/01
摘要： In some aspects, techniques for creating representative and informative training datasets for the training of machine-learning models are provided. For example, a risk assessment system can receive a risk assessment query for a target entity. The risk assessment system can compute an output risk indicator for the target entity by applying a machine learning model to values of informative attributes associated with the target entity. The machine learning model may be trained using training samples selected from a representative and informative (RAI) dataset. The RAI dataset can be created by determining the informative attributes based on attributes used by a set of models and further extracting representative data records from an initial training dataset based on the determined informative attributes. The risk assessment system can transmit a responsive message including the output risk indicator for use in controlling access of the target entity to an interactive computing environment.

4. 发明申请

WO2020198236A1 VERIFICATION OF ELECTRONIC IDENTITY COMPONENTS 审中-公开
公开(公告)号：WO2020198236A1
公开(公告)日：2020-10-01
申请号：PCT/US2020/024484
申请日：2020-03-24
申请人： EQUIFAX INC.
发明人： BONDUGULA, Rajkumar , PATEL, Piyushkumar , SIVARAJ, Sunit
IPC分类号： G06K9/62 , G06N20/00
摘要： A unit-classification system receives a data set with identity data objects corresponding to personal identity components. Feature vectors are determined for the identity data objects. A trained classifier model determines, based on a feature vector for each identity data object, whether the corresponding personal identity components are included in a identity component ("IC") category. The unit-classification system generates an IC identification for a first IC category, and associates the IC identification with a first identity data object corresponding to a first personal identity component. The unit-classification system identifies a second identity data object corresponding to a second personal identity component included in the first IC category. The unit-classification system modifies the first and second identity data objects to include the IC identification. Responsive to a request for the IC identification, the unit-classification system can provide a response that indicates the modified first and second identity data objects.

5. 发明申请

WO2023063971A1 FRAGMENTED RECORD DETECTION BASED ON RECORDS MATCHING TECHNIQUES 审中-公开
公开(公告)号：WO2023063971A1
公开(公告)日：2023-04-20
申请号：PCT/US2021/071849
申请日：2021-10-13
申请人： EQUIFAX INC.
发明人： SIVARAJ, Sunit , CYZIO, Marek , PATEL, Piyush , KING, Michele , BONDUGULA, Rajkumar
IPC分类号： G06F16/215 , G06F16/28
摘要： In some aspects, a record-matching computing system for detecting fragmented records is provided. The record-matching system is configured to identify a list of candidate records for merging from a set of data records. The record-matching system determines a matching decision for each pair of candidate records in the list and generates a graph. The graph includes nodes representing respective candidate records and edges connecting the nodes. Each edge represents a match between a pair of nodes connected by the edge according to the matching decisions. The record-matching system detects a connected component in the graph from which a qualified connected component is identified based on the minimum connectivity of the qualified connected component. The record-matching system updates the set of data records stored by merging candidate records represented by the nodes in the qualified connected component.

6. 发明申请

WO2021050346A1 SECURE RESOURCE MANAGEMENT TO PREVENT RESOURCE ABUSE 审中-公开
公开(公告)号：WO2021050346A1
公开(公告)日：2021-03-18
申请号：PCT/US2020/049150
申请日：2020-09-03
申请人： EQUIFAX INC.
发明人： PRADHAN, Ligaj , PATEL, Piyush , BONDUGULA, Rajkumar
IPC分类号： G06F21/60 , G06Q10/06
摘要： Systems and methods for secure resource management are provided. A secure resource management system receives from a client computing system associated with a resource provider a query for classifying a resource user associated with the resource provider. The secure resource management system determining a set of resource abuser criteria for classifying the resource user as a resource abuser. The secure resource management system determines that the resource user is a resource abuser or a potential resource abuser based on the set of resource abuser criteria and a resource transaction history associated with the resource user. Based on determining that the resource user is a resource abuser or a potential resource abuser, the secure resource management system generates and transmits a response to the query to the client computing system. The response can be used to restrict or deny access to the resource by the resource user.

7. 发明申请

WO2023086954A1 BAYESIAN MODELING FOR RISK ASSESSMENT BASED ON INTEGRATING INFORMATION FROM DYNAMIC DATA SOURCES 审中-公开
公开(公告)号：WO2023086954A1
公开(公告)日：2023-05-19
申请号：PCT/US2022/079741
申请日：2022-11-11
申请人： EQUIFAX INC.
发明人： SHRESTHA, Prakash , BONDUGULA, Rajkumar
IPC分类号： G06N7/01 , G06N5/045 , H04L9/40
摘要： Bayesian modeling can be used for risk assessment. For example, a computing device determines, using a Bayesian prediction model, a risk indicator for a target entity from predictor variables associated with the target entity. The Bayesian prediction model determines the risk indicator based on a set of parameters associated with the Bayesian prediction model. The Bayesian prediction model is generated based on an initial training dataset. The initial training dataset includes training records and predictor variables. The Bayesian prediction model can be generated by calculating the set of parameters based on the initial training dataset. The Bayesian prediction model can be updated by updating the set of parameters using an additional training dataset. The computing device transmits, to a remote computing device, the risk indicator for use in controlling access of the target entity to one or more interactive computing environments.

8. 发明申请

WO2023063970A1 RECORDS MATCHING TECHNIQUES FOR FACILITATING DATABASE SEARCH AND FRAGMENTED RECORD DETECTION 审中-公开
公开(公告)号：WO2023063970A1
公开(公告)日：2023-04-20
申请号：PCT/US2021/071847
申请日：2021-10-13
申请人： EQUIFAX INC.
发明人： SIVARAJ, Sunit , CYZIO, Marek , PATEL, Piyush , KING, Michele , BONDUGULA, Rajkumar
IPC分类号： G06F16/215 , G06F16/2458
摘要： In some aspects, a record-matching computing system for matching records to facilitate database search and fragmented records detection is provided. The record- matching computing system is configured to search for a data record that matches a query record. The record-matching computing system retrieves a reference record from data records and generates multiple identifier attributes for the query record and reference record, including identifier scores and compound scores. Each identifier score measures a degree of matching between the corresponding identifiers in the query record and reference record. A compound score is generated by combining two or more identifier scores. The record-matching computing system applies the identifier attributes to a machine learning model configured to predict a match classification based on input identifier attributes for a pair of data records. The record-matching server can identify the reference records as a match to the query record based on the match classification indicating a match.

9. 发明申请

WO2021011308A1 SECURE RESOURCE MANAGEMENT TO PREVENT FRAUDULENT RESOURCE ACCESS 审中-公开
公开(公告)号：WO2021011308A1
公开(公告)日：2021-01-21
申请号：PCT/US2020/041427
申请日：2020-07-09
申请人： EQUIFAX INC.
发明人： BONDUGULA, Rajkumar , MCBURNETT, Michael
IPC分类号： H04L29/06
摘要： Systems and methods for secure resource management are provided. A secure resource management system includes a resource record repository, such as a secure database or a blockchain, for storing resource records for resources. The resource records contain information of resource providers, information of resource users having a right to obtain resources, and resource transaction histories. Responsive to a request to verify an authorized user of a resource, the secure resource management system further queries the resource record repository, retrieves the resource record, determines the resource user currently having a right to obtain the resource as the authorized user of the resource, and transmits the verification result in response to the request. The verification result identifies the authorized user of the resource and can be used to grant access to the resource by the authorized user.

10. 发明申请

WO2020072239A1 CONTROLLING ACCESS TO MULTI-GRANULARITY DATA 审中-公开
公开(公告)号：WO2020072239A1
公开(公告)日：2020-04-09
申请号：PCT/US2019/052655
申请日：2019-09-24
申请人： EQUIFAX INC.
发明人： BONDUGULA, Rajkumar , YASKO, Christopher
IPC分类号： G06F21/60 , G06F21/53
摘要： According to certain implementations, a permissions gateway receives an access request indicating multiple sets of secured data that include high-granularity data stored on multiple secured data repositories. The access request is compared to a permission set with multiple consent parameters, which indicate access types for the secured data. Based on a comparison of the access request to a permission set, the permissions gateway queries, the permission gateway queries a first data repository for a high-granularity dataset that includes a portion of the high-granularity data, and queries a second data repository for a low-granularity dataset that includes a summary of part of the high-granularity data. The permissions gateway generates a multi-granularity response to the access request, based on a combination of the high-granularity dataset and the low-granularity dataset.

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