Patent ID: 8027947
Filing Date: 2011-09-27
Classification: G06Q

Abstract:
1. An article for introducing a first set of variables into a data transaction scoring system, the first set of variables having a maturity level less than a second set of variables previously matured on the data transaction scoring system, the maturity level corresponding to an amount of exposure to the data transaction scoring system, the amount of exposure affecting a degree of precision for the data transaction scoring system, the first set of variables being generated using a first model and the second set of variables being generated using a second model different than the first model, the article comprising a non-transitory machine-readable medium embodying instructions that when performed by one or more machines result in operations comprising: expanding a data transaction profile for the data transaction scoring system including the second set of variables, the expanding causing the expanded data transaction profile to further include the first set of variables, the first set of variables comprising merchant-specific variables corresponding to a merchant of a data transaction between the merchant and a customer, the second set of variables comprising customer-specific variables corresponding to the customer; assigning initial values for the first set of variables based on a statistical model, the initial values approximating a higher maturity level for the first set of variables, the assigning comprising determining a population mean for the second set of variables and assigning the initial values for the second set of variables based on the determined population mean; and initiating scoring, by the data transaction scoring system, of the data transaction using the expanded data transaction profile prior to maturing the data transaction system using the first set of variables.