Credit decisioning based on graph neural networks
US12205163B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Apr 26, 2023 |
| Grant date | Jan 21, 2025 |
| Priority date | — |
| Expiry date | Apr 26, 2043 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06N5/02
- WIPO fieldComputer technology
- WIPO sectorElectrical engineering
Abstract
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.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.