Counterfactual testing of finances using financial objects
First Claim
1. A method for performing counterfactual testing, comprising:
- at an electronic device, performing operations for;
accessing a functional representation of a financial history of a user, wherein the functional representation specifies a financial output value based on input values and a behavioral pattern, wherein the behavioral pattern specifies a relationship between at least a pair of variables associated with a dimension in the financial history, and wherein the financial history comprises financial circumstances for the user, each of the financial circumstances comprising a value or a location for at least a datum in the financial history;
modifying the functional representation based on a financial circumstance that is different than the financial circumstances in the financial history;
calculating the financial output value using the financial representation and the input values;
calculating a modified financial output value using the modified functional representation and the input values;
comparing the financial output value and the modified financial output value; and
determining a result for the counterfactual testing based on the comparison and a testing metric, wherein the result facilitates determining an effect of the financial circumstance on finances for the user.
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Accused Products
Abstract
During a financial transaction, a functional representation of a financial history of a user is accessed. This functional representation specifies a financial output value based on input values and a behavioral pattern, and the behavioral pattern specifies a relationship between at least a pair of the variables associated with a dimension in the financial history. Then, the functional representation is modified based on a financial circumstance that is different than financial circumstances in the financial history. Moreover, the financial output value is calculated using the functional representation and the input values, and a modified financial output value is calculated using the modified functional representation and the input values. Next, the financial output value and the modified financial output value are compared. Based on the comparison and a testing metric, the electronic device determines a result of the counterfactual testing.
12 Citations
20 Claims
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1. A method for performing counterfactual testing, comprising:
at an electronic device, performing operations for; accessing a functional representation of a financial history of a user, wherein the functional representation specifies a financial output value based on input values and a behavioral pattern, wherein the behavioral pattern specifies a relationship between at least a pair of variables associated with a dimension in the financial history, and wherein the financial history comprises financial circumstances for the user, each of the financial circumstances comprising a value or a location for at least a datum in the financial history; modifying the functional representation based on a financial circumstance that is different than the financial circumstances in the financial history; calculating the financial output value using the financial representation and the input values; calculating a modified financial output value using the modified functional representation and the input values; comparing the financial output value and the modified financial output value; and determining a result for the counterfactual testing based on the comparison and a testing metric, wherein the result facilitates determining an effect of the financial circumstance on finances for the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A computer-program product for use in conjunction with an electronic device, the computer-program product comprising a non-transitory computer-readable storage medium comprising instructions that, when executed by a processor, perform a method for performing counterfactual testing, the method comprising:
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accessing a functional representation of a financial history of a user, wherein the functional representation specifies a financial output value based on input values and a behavioral pattern, wherein the behavioral pattern specifies a relationship between at least a pair of variables associated with a dimension in the financial history, and wherein the financial history comprises financial circumstances for the user, each of the financial circumstances comprising a value or a location for at least a datum in the financial history; modifying the functional representation based on a financial circumstance that is different than the financial circumstances in the financial history; calculating the financial output value using the financial representation and the input values; calculating a modified financial output value using the modified functional representation and the input values; comparing the financial output value and the modified financial output value; and determining a result for the counterfactual testing based on the comparison and a testing metric, wherein the result facilitates determining an effect of the financial circumstance on finances for the user. - View Dependent Claims (14, 15, 16, 17, 18, 19)
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20. An electronic device, comprising:
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a processor; memory; and a program module, wherein the program module is stored in the memory and configurable to be executed by the processor to perform counterfactual testing, the program module including; instructions for accessing a functional representation of a financial history of a user, wherein the functional representation specifies a financial output value based on input values and a behavioral pattern, wherein the behavioral pattern specifies a relationship between at least a pair of variables associated with a dimension in the financial history, and wherein the financial history comprises financial circumstances for the user, each of the financial circumstances comprising a value or a location for at least a datum in the financial history; instructions for modifying the functional representation based on a financial circumstance that is different than the financial circumstances in the financial history; instructions for calculating the financial output value using the financial representation and the input values; instructions for calculating a modified financial output value using the modified functional representation and the input values; instructions for comparing the financial output value and the modified financial output value; and instructions for determining a result for the counterfactual testing based on the comparison and a testing metric, wherein the result facilitates determining an effect of the financial circumstance on finances for the user.
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Specification