Patent application number | Description | Published |
20080275800 | METHOD AND SYSTEM FOR DEBT COLLECTION OPTIMIZATION - The present invention employs data processing systems to handle debt collection by formulation the collections process as a Markov Decision Process with constrained resources, thus making it possible automatically to generate an optimal collections policy with respect to maximizing long-term expected return throughout the course of a collections process, subject to constraints on the available resources possibly in multiple organizations. This is accomplished by coupling data modeling and resource optimization within the constrained Markov Decision Process formulation and generating optimized rules based on constrained reinforcement learning process comprising applied on the basis of past historical data. | 11-06-2008 |
20090030864 | METHOD FOR CONSTRUCTING SEGMENTATION-BASED PREDICTIVE MODELS - The present invention generally relates to computer databases and, more particularly, to data mining and knowledge discovery. The invention specifically relates to a method for constructing segmentation-based predictive models, such as decision-tree classifiers, wherein data records are partitioned into a plurality of segments and separate predictive models are constructed for each segment. The present invention contemplates a computerized method for automatically building segmentation-based predictive models that substantially improves upon the modeling capabilities of decision trees and related technologies, and that automatically produces models that are competitive with, if not better than, those produced by data analysts and applied statisticians using traditional, labor-intensive statistical techniques. The invention achieves these properties by performing segmentation and multivariate statistical modeling within each segment simultaneously. Segments are constructed so as to maximize the accuracies of the predictive models within each segment. Simultaneously, the multivariate statistical models within each segment are refined so as to maximize their respective predictive accuracies. | 01-29-2009 |
20090112927 | System and Method of Transforming Data for Use in Data Analysis Tools - A process of transforming data residing in databases, such as relational databases, into forms suitable as input to data analysis tools, such as predictive modeling tools includes the steps of defining a business process problem to be solved and identifying data requirements. For example, the business process problem may relate to predicting a customer's propensity to make purchases in the future or a store's requirements for inventory in the future. In the process, a computer implemented method is used for automatically transforming data for data analysis such as predictive modeling. Database metadata that describe database tables, their interrelationships, dimensional information, fact tables and measures are accessed. A mining transformation profile is created to encapsulate aggregations and transformation on data stored in relational databases in order to convert the data to forms suitable for predictive mining tools. The mining transformation profile specifies data transformations relative to the data base metadata. Executable data transformation codes is then generated from the database metadata and the mining transformation profile. Execution of this code results in aggregation and transformation of data residing in a database for input to a data analysis tool such as a predictive modeling tool. The data transformation code can be used by, for example, the predictive modeling tool to generate an output that provides a solution to a business process problem. | 04-30-2009 |
20130103490 | SYSTEM AND METHOD FOR MARKETING MIX OPTIMIZATION FOR BRAND EQUITY MANAGEMENT - A method of marketing optimization with respect to brand lifetime management formulates a problem of brand equity maximization utilizing Markov Decision Process (MDP) thereby casting brand equity management as a long term regard optimization problem in MDP, The marketing mix is optimized by formulating the mix as actions in MDP and, utilizing historical marketing and transaction data, aspects of the MDP are estimated. | 04-25-2013 |