US Patent Issued to Discover Financial Services on June 3 for "System and method for utilizing grouped partial dependence plots and game-theoretic concepts and their extensions in the generation of adverse action reason codes" (Illinois, Massachusetts Inventors)

ALEXANDRIA, Va., June 4 -- United States Patent no. 12,321,826, issued on June 3, was assigned to Discover Financial Services (Riverwoods, Ill.).

"System and method for utilizing grouped partial dependence plots and game-theoretic concepts and their extensions in the generation of adverse action reason codes" was invented by Alexey Miroshnikov (Evanston, Ill.), Konstandinos Kotsiopoulos (Easthampton, Mass.), Arjun Ravi Kannan (Buffalo Grove, Ill.), Raghu Kulkarni (Buffalo Grove, Ill.) and Steven Dickerson (Deerfield, Ill.).

According to the abstract* released by the U.S. Patent & Trademark Office: "A framework for interpreting machine learning models is proposed that utilizes interpretability methods to determine the contribution of group...