Patent ID: 11894971
Assignee: EQUIFAX INC.
Field: Digital communication (Electrical engineering)
Classification: CPC H | IPC H

Claim 0:
1. A method comprising one or more processing devices performing operations comprising:
receiving a risk assessment query that identifies a target entity;
providing, to a lagged prediction model, an input predictor record associated with the target entity, the input predictor record comprising a first group of lagged values from a first time-series attribute associated with the target entity, wherein the lagged prediction model is trained by at least implementing a group feature selection technique configured to select the first time-series attribute as input and to deselect a second time-series attribute associated with the target entity based on a correlation between lagged training values for the first time-series attribute and outcome values associated with a plurality of training entities and a correlation between lagged training values for the second time-series attribute and the outcome values, and wherein the first group of lagged values comprises a number of lagged values, where the number of lagged values is determined by generating and comparing cross-validated accuracies for subsets of the first group of lagged values;
computing, with the lagged prediction model, an output risk indicator from the input predictor record; and
transmitting the output risk indicator to a remote computing system, wherein the output risk indicator is usable for controlling access by the target entity to one or more interactive computing environments.