US 11,900,294 B2
Automated path-based recommendation for risk mitigation
Stephen Miller, Leeds (GB); Lewis Jordan, Atlanta, GA (US); Matthew Turner, Cumming, GA (US); Mark Day, Leeds (GB); and Allan Joshua, Atlanta, GA (US)
Assigned to EQUIFAX INC., Atlanta, GA (US)
Appl. No. 17/753,122
Filed by EQUIFAX INC., Atlanta, GA (US)
PCT Filed Aug. 19, 2020, PCT No. PCT/US2020/046993
§ 371(c)(1), (2) Date Feb. 18, 2022,
PCT Pub. No. WO2021/034932, PCT Pub. Date Feb. 25, 2021.
Claims priority of provisional application 62/890,480, filed on Aug. 22, 2019.
Prior Publication US 2022/0335348 A1, Oct. 20, 2022
Int. Cl. G06Q 10/06 (2023.01); G06Q 10/0635 (2023.01); G06Q 40/03 (2023.01)
CPC G06Q 10/0635 (2013.01) [G06Q 40/03 (2023.01)] 20 Claims
OG exemplary drawing
 
1. A method in which one or more processing devices of a server system perform operations comprising:
receiving, from a user device, a request for a recommendation for modifying a current value of a risk assessment score computed from input attribute values of an entity associated with the user device to a target value of the risk assessment score, the risk assessment score used to control access by a computing device associated with the entity to an interactive computing environment hosted by a host system, wherein the host system is configured to present a first type of interactive user experience to a first type of user group associated with the current value of the risk assessment score and present to a second type of interactive user experience to a second type of user group associated with the target value of the risk assessment score;
accessing (a) an input attribute vector having the input attribute values of the entity and (b) clusters of points in an n-dimensional space, wherein the clusters of points are respectively defined by historical attribute vectors;
assigning the input attribute vector to a particular cluster based on a similarity measure between the particular cluster and an input point defined by the input attribute vector;
computing an attribute-change vector indicating a path from (a) a first point that is located in an m-dimensional space and that corresponds to the current value of the risk assessment score to (b) a second point in the m-dimensional space and that corresponds to the target value of the risk assessment score, wherein applying a risk assessment function to a sum of the input attribute vector and the attribute-change vector outputs the target value of the risk assessment score, wherein computing the attribute-change vector comprises:
determining, based on statistics computed from the particular cluster to which the input attribute vector is assigned, a requirement on movement from the first point to the second point, and
selecting the attribute-change vector that complies with the requirement;
generating, using the computed attribute-change vector, the recommendation for modifying the current value of the risk assessment score to the target value of the risk assessment score; and
transmitting, to the user device, the recommendation in response to the request for the recommendation for use in improving the current value of the risk assessment score to the target value of the risk assessment score which causes the host system to modify a functionality of an online interface by rearranging a layout of the online interface to switch from presenting the first type of interactive user experience to presenting the second type of interactive user experience.