Patent ID: 11922495
Assignee: BLOCK, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 9:
10. The one or more computing devices as recited in claim 9, wherein the applying of the model to the lending query further comprises:
summing respective significance scores of signals of the first group to determine a first-group significance score;
summing respective significance scores of signals of the second group to determine a second-group significance score;
determining that that first-group significance score is greater than the second-group significance score;
determining whether the first group is associated with increased risk or decreased risk; and
generating, based at least in part on the first-group significance score being greater than the second-group significance score and on whether the first group is associated with increased risk or decreased risk, the adverse action data indicating that the lending query is denied based at least in part on the first reason.