OPERA SOLUTIONS, LLC Patent applications |
Patent application number | Title | Published |
20140279815 | System and Method for Generating Greedy Reason Codes for Computer Models - A system and method for generating greedy reason codes for computer models is provided. The system for generating greedy reason codes for computer models, comprising a computer system for receiving and processing a computer model of a set of data, said computer model having at least one record scored by the model, and a greedy reason code generation engine stored on the computer system which, when executed by the computer system, causes the computer system to identify reason code variables that explain why a record of the model is scored high by the model, and build an approximate model to simulate a likelihood of a high score being generated by at least one of the reason code variables identified by the engine. | 09-18-2014 |
20140279752 | System and Method for Generating Ultimate Reason Codes for Computer Models - A system and method for generating ultimate reason codes for computer models is provided. The system for generating ultimate reason codes for computer models comprising a computer system for receiving a data set, and an ultimate reason code generation engine stored on the computer system which, when executed by the computer system, causes the computer system to train a base model with a plurality of reason codes, wherein each reason code includes one or more variables, each of which belongs to only one reason code, train a subsequent model using a subset of the plurality of reason codes, determine whether a high score exists in the base model, determine a scored difference if a high score exists in the base model, and designate a reason code having a largest drop of score as an ultimate reason code. | 09-18-2014 |
20140279306 | System and Method for Detecting Merchant Points of Compromise Using Network Analysis and Modeling - Provided is a system for detecting a merchant point of compromise. More specifically, provided is a system for detecting a merchant point of compromise comprising a computer system in electronic communication with a transaction processing network containing transaction information, the computer system comprising a point-of-compromise detector, said point-of-compromise detector performing the steps of electronically receiving from the transaction processing network the transaction information; generating at least one of an undirected network or a directed network based on the transaction information; extracting features from the at least one of the undirected network or the directed network; and identifying one or more point-of-compromise merchants based on the extracted features. | 09-18-2014 |
20140278803 | System and Method for Estimating Price Sensitivity and/or Price Aggregation for a Population Having a Collection of Items - Provided is a system for estimating price sensitivities and determining aggregate price adjustments for a population of items, the population comprising a plurality of sub-populations. More specifically, provided is a system comprising a computer executing a price sensitivity engine and a price aggregation engine, the price sensitivity engine receiving time-series information, determining covariate coefficients to estimate a population price sensitivity average, modeling a first set of vectors based on the covariate coefficients, modeling a second set of vectors based on the covariate coefficients and an indicator variable, and estimating sub-population price sensitivities based on the first and second sets of vectors; and the price aggregation engine comparing each of the sub-population price sensitivities to the population price sensitivity average and/or to other sub-population price sensitivities, ranking, ordering, and/or clustering the sub-populations, and determining aggregate price adjustments to items in the sub-populations. | 09-18-2014 |
20140278547 | System and Method For Healthcare Outcome Predictions Using Medical History Categorical Data - A system and method for healthcare outcome predictions using medical history categorical data is provided. The system for healthcare outcome predictions using medical history categorical data comprising a computer system for receiving medical history categorical data, a healthcare outcome prediction engine stored on the computer system which, when executed by the computer system, causes the computer system to process the medical history categorical data to define a set of high-level constructs, calculate smoothed and thresholded Weight of Evidence tables for each high-level construct using training data, calculate an Evidence Ranked Sum value for each instance of each high-level construct based on the Weight of Evidence tables, and build predictive models based on the calculated Evidence Ranked Sum values. | 09-18-2014 |
20140278490 | System and Method For Grouping Medical Codes For Clinical Predictive Analytics - A system and method for grouping medical codes for clinical predictive analytics is provided. The system for predictive modeling using medical information comprising a computer system for electronically receiving a data set of medical diagnosis codes and applying indicator variables to the data set, the computer system allowing a user to define a target and one or more thresholds conditions, a supervised variable grouping engine executed by the computer system, said engine calculating, for each indicator variable, a vector length and a distance to a target vector, wherein each indicator variable initially forms a group, automatically combining two groups of indicator variables that satisfy threshold conditions to create a combined group, recalculating the combined group's vector length, distance to the target vector, and distance to vectors of other remaining groups, iteratively combining and recalculating until there are no two groups that satisfy the threshold conditions or until a satisfactory number of groups is formed; and generating an altered data set of medical code groupings with reduced dimensionality and inputting the altered data set into a predictive model. | 09-18-2014 |
20140222737 | System and Method for Developing Proxy Models - A system and method for developing proxy models is provided. The system for developing proxy models comprising a proxy model development computer system in electronic communication with a training database storing training data therein, and a plurality of computer models including a complex model and a proxy model that are trained by the computer system using the training data from the training database, wherein the computer system evaluates performance of each of the plurality of computer models, and if the computer system determines that the proxy model at least meets pre-defined performance criteria and approximates performance of the complex model, then the computer system communicates to a user that the proxy model can substitute the complex model. | 08-07-2014 |
20140214643 | System and Method for Optimizing Collections Processing - A system and method for optimizing collections processing is provided. More specifically, the system for optimizing collections processing comprises a computer system in electronic communication with an accounts database storing customer and account information therein, the computer system executing a collections processing engine, said engine performing the steps of (a) electronically receiving a notification that an account has entered a collections process, (b) defining one or more customer behavior models based on customer and account information stored in the accounts database, (c) processing the customer and account information using the one or more models to calculate one or more model scores representing a probability that the account will pay to current while in a current collections stage having a treatment action associated therewith, (d) processing the calculated one or more model scores to calculate an optimal amount of time that the account should stay in the current collections stage, (e) determining whether to transfer the account to a next collections stage having another treatment action different than the current stage, and (f) repeating steps c-e until full payment is received and removing the account from the collections process. | 07-31-2014 |
20140195518 | System and Method for Data Mining Using Domain-Level Context - A system and method for data mining using domain-level context is provided. The system includes a computer system and a contextual data mining engine executed by the computer system. The system mines and analyzes large volumes of open-source documents/data for analysts to quickly find documents of interest. Documents/data are encoded into an ontological database and represented as a graph in the database linking contextual entities to find patterns and anomalies in context. Documents are separately analyzed by the system and scored on several different scales. The resulting information could be presented to the user via a visualization interface which allows the user to explore the data and quickly navigate to documents of interest. | 07-10-2014 |
20140108401 | System and Method for Adjusting Distributions of Data Using Mixed Integer Programming - Exemplary embodiments of the present disclosure are related to systems, methods, and computer-readable medium to facilitate modifying a distribution of data elements to more closely resemble a reference distribution. In exemplary embodiments a modification constraint can be assigned to limit a modification of data elements in a subject distribution and a reference distribution can be identified. Data elements in the subject distribution can be programmatically modified to generate a modified distribution based on a reference distribution, wherein a modification of the data elements can be constrained in response to the modification constraint. | 04-17-2014 |
20140101259 | System and Method for Threat Assessment - A system and method for threat assessment are provided. The system includes a computer system; a data access subsystem programmed into and executed by the computer system for receiving data from a data source, and parsing the data to identify one or more messages; an analytics subsystem programmed into and executed by the computer system for processing and scoring the one or more messages to calculate one or more threat scores; and a communications subsystem programmed into and executed by the computer system for transmitting the one or more messages to a user. | 04-10-2014 |
20140067461 | System and Method for Predicting Customer Attrition Using Dynamic User Interaction Data - A method, system and non-transitory computer-readable medium for predicting customer attrition are provided. The method can include executing code to load historical data relating to a customer into a database to create a customer history summary file. The method can include executing code to load daily data relating to the customer into a scoring engine. The method can include programmatically processing, via the scoring engine, at least one of the historical data and the daily data to generate an attrition score. The attrition score can indicate a predictive signal of attrition of the customer. | 03-06-2014 |
20140059055 | System and Method for Combining Multiple Recommender Systems - A system and method for recommending items to a user is provided. The system could combine recommendations provided by multiple recommenders by: a) calculating for each recommender j a maximum score P | 02-27-2014 |
20140058882 | Method and Apparatus for Ordering Recommendations According to a Mean/Variance Tradeoff - Aspects of the present disclosure are directed to systems and methods that facilitate the recommendation of an item to a user. One particular aspect includes a method including the steps of: a) receiving a user request for a new recommendation including rating information for previously-selected items, b) retrieving a mean vector and a covariance matrix representing estimates of prior ratings for a plurality of items by other users, c) calculating a selection likelihood statistics as a function of the estimated mean vector, the estimated covariance matrix and the rating information provided by the, d) calculating ranking statistics as a function of the selection likelihood statistics, and e) transmitting a response to the user recommending at least one of the items not previously selected as a function of the ranking statistics. The recommended item may, for example, be a movie. | 02-27-2014 |
20140053252 | System and Method for Secure Document Distribution - A system and method for secure document distribution is provided. The system includes a computer system and a secure document distribution engine. The system includes a two-factor authentication system that includes a password and a hardware component. Documents can be accessed from a network (e.g., the Internet, a cloud computing resource, etc.), via a link as an e-mail attachment, or as a stored file. Redistribution of documents by malicious authorized users is not possible without attribution due to the view-only nature of the system in combination with other measures that include event logging and document watermarking. Access can be revoked or blocked in real time, regardless of how the files were distributed or where they reside. | 02-20-2014 |
20140052688 | System and Method for Matching Data Using Probabilistic Modeling Techniques - A system and method for matching data using probabilistic modeling techniques is provided. The system includes a computer system and a data matching model/engine. The present invention precisely and automatically matches and identifies entities from approximately matching short string text (e.g., company names, product names, addresses, etc.) by pre-processing datasets using a near-exact matching model and a fingerprint matching model, and then applying a fuzzy text matching model. More specifically, the fuzzy text matching model applies an Inverse Document Frequency function to a simple data entry model and combines this with one or more unintentional error metrics/measures and/or intentional spelling variation metrics/measures through a probabilistic model. The system can be autonomous and robust, and allow for variations and errors in text, while appropriately penalizing the similarity score, thus allowing dataset linking through text columns. | 02-20-2014 |
20140041032 | System and Method for Detecting Network Intrusions Using Statistical Models and a Generalized Likelihood Ratio Test - A system and method for detecting network intrusions using one or more statistical models and a generalized likelihood ratio test (GLRT) is provided. The system includes a computer system and a network intrusion detection engine executed by the computer system. To detect network intrusions, the system receives network traffic data, computes a likelihood using one or more statistical models, such as an Markov-modulated Poisson process, and processes the traffic data using a GLRT. The statistical models are used to assess the likelihood of seeing a particular pattern of network traffic. The GLRT is used to classify a particular pattern as either indicative of an attack or not indicative of an attack. The system could apply one or more types of statistical models, such as in a flexible multi-tiered approach. | 02-06-2014 |
20140039979 | System and Method for Demand Forecasting - A system and method for demand forecasting is provided. The system includes a computer system and a demand forecasting engine executed by the computer system. The demand forecasting engine permits inventory management and price optimization, with improved prediction accuracy. The system includes a nonlinear time series model which is able to simulate the market trend of a certain product in the past and make a demand forecast for the future. The system provides initial estimates for new products in a new season, and is self-adjusting with limited data points in the beginning of the season. In this way, the system provides solutions for demand forecasting of old and new products. Furthermore, pricing optimization solutions (e.g., Markov decision processed (MDP) based, etc.) can be built on the basis of the demand forecasting solutions. The system is applicable to many marketing-related problems and is particularly reliable for products which follow a certain cycle. | 02-06-2014 |
20130218807 | System and Method for Valuation and Risk Estimation of Mortgage Backed Securities - Systems and methods for investment production valuation and risk estimation for mortgage-backed security products are provided. In one embodiment, the disclosure provides a system for investment product valuation and risk estimation, comprising a computer system for receiving information about a mortgage-backed security, an engine executed by the computer system and processing the information about the mortgage-backed security to disaggregate individual loan data, the engine simulating future prices scenarios of the mortgage-backed security using one or more computer models to generate valuation and risk estimation data for the mortgage-backed security, and a user interface generated by the system for presenting a report to a user which includes the future price scenarios of the mortgage-backed security. | 08-22-2013 |
20130151383 | RECOMMENDER ENGINE FOR COLLECTIONS TREATMENT SELECTION - A system for automatically recommending treatments for delinquent accounts in collections is provided. The system includes one or more sub-models for analyzing and scoring delinquent accounts and comparing them to historical accounts to identify similar historical accounts. The system can select and recommend one or more treatments for the delinquent account based on treatments for the historical accounts that may have previously provided a favorable outcome for a similar account. The system may test the efficacy of new treatments and incorporate the results into the memory, thereby learning and adapting to new treatments and account behavior. | 06-13-2013 |
20130006801 | SYSTEMS AND METHODS ALLOCATING ITEMS AMONG AUCTION SITES TO MAXIMIZE PROFIT - A method for allocating vehicles to auction sites. An inventory database stores information uniquely identifying a plurality of items and associating each of the items with one of a plurality of available auction sites. Constraints relating to the movement of the items are stored in a constraints database. Items are identified which are available to be moved from a current location to one of the auction sites. A profit value is estimated for each available move. A move is identified for one item having a highest estimated profit above an identified threshold and meeting related constraints. This move is selected, and profits are reestimated for remaining items to be moved. The selection steps are repeated until no remaining available moves are feasible according to the threshold and constraints. Once all feasible moves have been selected, information associated with the items and moves is transmitted to a client device. | 01-03-2013 |
20110213651 | Computer-Implemented Method For Enhancing Targeted Product Sales - A computer-implemented method for providing customer recommendations for a product is disclosed. For each target product for which a customer recommendation is desired, one or more customers likely to purchase the target product are identified using a mathematical model that considers customers' prior purchases of products that are similar or related to the target product. | 09-01-2011 |