Patent ID: 11868891
Assignee: EQUIFAX INC.
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A system, comprising:
a processing device; and
a memory device in which instructions executable by the processing device are stored to cause the processing device to perform operations comprising:
determining, using a neural network, a risk indicator for a target entity from a set of predictor variables associated with the target entity, wherein the risk indicator indicates a level of risk associated with the target entity, wherein a monotonic relationship exists between each predictor variable in the set of predictor variables and the risk indicator as determined by the neural network, and a value of the risk indicator increases as a value of the predictor variable increases or the value of the risk indicator decreases as the value of the risk indicator increases, wherein the neural network is trained by a training process comprising:
accessing training vectors having elements representing predictor variables and training outputs, wherein a particular training vector comprises (i) particular values for the predictor variables, respectively, and (ii) a particular training output corresponding to the particular values; and
iteratively adjusting weights of the neural network to minimize a modified loss function comprising a first term representing a loss function of the neural network and a second term representing a path constraint, the path constraint requiring a monotonic relationship between (i) values of each predictor variable from the training vectors and (ii) the training outputs of the training vectors; and

transmitting, to a remote computing device, a responsive message including the risk indicator for the target entity.