Credit decisioning based on graph neural networks

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United States of America Patent

PATENT NO 11669899
SERIAL NO

17556397

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Abstract

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Systems, methods, and computer program products to provide credit decisioning based on graph neural networks. A lending network graph of a plurality of loans may be received, each loan associated with a creditor and one account. A first node of the graph may be associated with a first creditor and the second node may be associated with a first account. A graph neural network may receive a respective message from each node connected to the first node, each message comprising an embedding vector reflecting a current state of the node. The graph neural network may update weights for the first node in a forward pass. The graph neural network may receive a respective message from each node connected to the second node, each message comprising the embedding vector reflecting the current state of the node. The graph neural network may update weights for the second node in a backward pass.

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Patent Owner(s)

  • CAPITAL ONE SERVICES, LLC

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bruss, Christopher Washington, US 9 19
Hines, Keegan Washington, US 21 43
Sarshogh, Mohammad Reza Bellevue, US 8 14

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