Patent ID: 11900294
Assignee: EQUIFAX INC.
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 6:
7. A non-transitory computer-readable storage medium having program code that is executable by a processor device to cause a computing device to perform operations, the operations comprising:
accessing (a) an input attribute vector having input attribute values of an 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 a first value of a risk assessment score computed from the input attribute values of the entity to (b) a second point in the m-dimensional space and that corresponds to a second 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 second 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, a recommendation for modifying the first value of the risk assessment score to the second value of the risk assessment score, the risk assessment score used to control access by a computing device associated with an 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 first 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 second value of the risk assessment score; and
causing the recommendation to be transmitted in response to a request for the recommendation for use in improving the first value of the risk assessment score to the second 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.