{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-11941650","patent":{"patent_number":"US-11941650","title":"Explainable machine learning financial credit approval model for protected classes of borrowers","assignee":null,"inventors":[],"filing_date":"2018-08-01T00:00:00.000Z","publication_date":"2024-03-26T00:00:00.000Z","cpc_codes":["G06Q","G06F","G06N","G06N","G06N","G06N","G06Q"],"num_claims":16,"abstract":"Systems and methods for model evaluation. A protected class model that satisfies an accuracy threshold is built by using: data sets for use by a modeling system being evaluated, and protected class membership information for each data set. A target for the protected class model is a protected class membership variable indicating membership in a protected class. Each predictor of the protected class model is a predictor of an evaluated model used by the modeling system. A target of the evaluated model is different from the target of the protected class model. Each predictor is a set of one or more variables of the data sets. For each predictor of the protected class model, a protected class model impact ranking value and a modeling system impact ranking value are determined."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Explainable machine learning financial credit approval model for protected classes of borrowers","description":"Systems and methods for model evaluation. A protected class model that satisfies an accuracy threshold is built by using: data sets for use by a modeling system being evaluated, and protected class me","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-11941650","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-11941650","citation_suggestion":"Patentable. \"Explainable machine learning financial credit approval model for protected classes of borrowers\" (US-11941650). https://patentable.app/patents/US-11941650","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-11941650","json":"https://patentable.app/api/llm-context/US-11941650","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-31T09:44:19.821Z"}