Patent ID: 11960981
Assignee: ZESTFINANCE, INC.
Field: Computer technology (Electrical engineering)
Classification: CPC G  B | IPC B  G

Claim 2:
3. The method of claim 2, wherein the third decomposition includes a feature contribution value for each feature of the observation input data set, each feature contribution value indicating a contribution of the respective feature to the ensemble model output and the method further comprises:
comparing each feature contribution value of the third decomposition to an importance threshold;
selecting one or more features having a feature contribution value above the importance threshold; and
selecting the rejection explanation information based on the selected one or more features, wherein one or more human-readable textual explanations are stored in association with matching criteria, a textual explanation whose matching criteria are satisfied by the selected one or more features is accessed and included in the rejection explanation information, each of the human-readable textual explanations includes one or more natural language statements with included variables that refer to model features and values, and the variables are replaced with model features and values identified by the third decomposition.