Convergent construction of traditional scorecards
First Claim
1. A trainable neural network which is able to undergo training so as to result in a trained neural network operable as a scorecard, comprising:
- a transformation layer transforming one or more received inputs into an output score, wherein the transformation layer is trainable so that when trained the score is determined according to the one or more inputs according to the training;
wherein the transformation layer comprises a computing component for each input applying one or more squashing functions to the respective input, each squashing function simulating a scorecard bin and having a control variable for controlling the steepness of a response by the squashing function to the respective input;
wherein each computing component is configured so that during training the respective control variable is varied, and at the completion of the training the respective control variable is fixed.
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Abstract
A neural model for simulating a scorecard comprises a neural network for transforming one or more inputs into an output. Each input of the neural model has a squashing function applied thereto for simulating a bin of the simulated scorecard. The squashing function includes a control variable for controlling the steepness of the response to the squashing function'"'"'s input so that during training of the neural model the steepness can be controlled. The output of the neural model represents the score of the simulated scorecard. The neural network is trained to behave like a scorecard by providing plurality of example values to the inputs of the neural network. Each output score produced is compared to an expected score to produce an error value. Each error value is back-propagated to adjust the neural network transformation to reduce the error value. The steepness of each squashing function is controlled using the respective control variable to affect the response of each squashing function.
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Citations
25 Claims
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1. A trainable neural network which is able to undergo training so as to result in a trained neural network operable as a scorecard, comprising:
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a transformation layer transforming one or more received inputs into an output score, wherein the transformation layer is trainable so that when trained the score is determined according to the one or more inputs according to the training; wherein the transformation layer comprises a computing component for each input applying one or more squashing functions to the respective input, each squashing function simulating a scorecard bin and having a control variable for controlling the steepness of a response by the squashing function to the respective input; wherein each computing component is configured so that during training the respective control variable is varied, and at the completion of the training the respective control variable is fixed. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method of configuring a neural network to behave like a scorecard, the neural network comprising a transformation layer transforming one or more inputs into an output representing a score, wherein each input has one or more squashing functions applied thereto, each squashing function simulating a scorecard bin and having a control variable for controlling the steepness of a response by the squashing function to the respective input, the method comprising:
training the neural network, wherein during training the steepness of each control variable is varied and upon completion of the training each control variable is fixed. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18)
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19. A trained neural network operating as a scorecard, comprising:
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one or more receivers receiving one or more inputs; an output; and a transformation layer configured to transform the one or more inputs into a score provided to the output according to training conducted on the transformation layer, wherein the transformation layer comprises a computing component for each input, each computing component configured such that a number of squashing functions are applied to the respective input, each squashing function simulating a scorecard bin and having a control variable for controlling the steepness of a response by the squashing function to the respective input, wherein the transformation layer has been trained so that each control variable is fixed to a value as a result of training the transformation layer, wherein during training each control variable was varied and at the completion of the training the control variable of each input was fixed. - View Dependent Claims (20, 21, 22, 23, 24)
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25. A system for training a neural network to behave like a scorecard, wherein the neural network is transforming one or more inputs into an output representing a score determined according the inputs, wherein each input has one or more squashing functions applied thereto, each squashing function for simulating a scorecard bin and having a control variable for controlling the steepness of a response by the squashing function to the respective input, the system comprising:
a controller for varying the steepness of each control variable during training of the neural network and upon completion of the training causing each control variable to be fixed.
Specification