초록 ▼

A system, method, and product provide rapid explanations for the scores determined by a neural network for new observations input into the neural network. The explanations are associated with a table of percentile bins for each of the input variables used to define the observation. The table contain

A system, method, and product provide rapid explanations for the scores determined by a neural network for new observations input into the neural network. The explanations are associated with a table of percentile bins for each of the input variables used to define the observation. The table contains for each input variable a number of percentile bins. Each percentile bin contains an expected score for values of the input variable containing with the percentile bin. The expected score in each percentile bin is determined from historical observation data. Preferably each percentile bin is associated with an explanation that describes the meaning of the value of the input variable falling within the percentile bin. During observation processing, a new observation is scored. The value of each input variable in the new observation is compared with the percentile bins for the input variable in the table. The expected score in the percentile bin that contains the value of the input variable is retrieved, and this is repeated for all input variables in the new observation. The explanation associated with the percentile bin that has an expected score closest to the actual score is retrieved and provided as the explanation of the most significant input variable accounting for score. Other explanations from the next closest expected scores may also be retrieved.

대표청구항 ▼

[ I claim:] [1.] A computer system for providing explanations of scored values for observations, comprising:a database storing a plurality of observations, each observation having a value for each of a plurality of same input variables, and a score value for an output variable produced by a neural n

[ I claim:] [1.] A computer system for providing explanations of scored values for observations, comprising:a database storing a plurality of observations, each observation having a value for each of a plurality of same input variables, and a score value for an output variable produced by a neural network;a neural network that receives observations and produces an output score for the observation based on the values of the input variables;a computer readable memory including:a table including for each of the input variables, a set of a variable number of percentile bins, each percentile bin of an input variable associated with an expected score value for the output variable, the expected score value determined by an average of score values of observations having values for the input variable within the percentile bin, at least one percentile bin of each input variable associated with an explanation of the percentile bin;a computer program that receives a new observation and score value from the neural network and determines from the table the percentile bin with an expected score value that is closest to the score value of the new observation, and provides the explanation, if any associated, with the determined percentile bin to a user.