System and method for score calculation

• US 20020032645A1
• Filed: 01/19/2001
• Published: 03/14/2002
• Est. Priority Date: 09/13/2000
• Status: Abandoned Application

• Current Assignee: Hitachi, Ltd.
• Original Assignee: Hitachi, Ltd.
• Inventors: Yoshikawa, Hiroshi, Nozaki, Ken, Maruoka, Tetsuya
• Application Number:
  US09/764,073
• Publication Number:
  US 20020032645A1
• Time in Patent Office: Days
• US Class Current: 705/38
• CPC Class Codes: G06Q 10/067 Enterprise or organisation modelling
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

In a method of calculating a score using data, a plurality of layers are disposed and a prediction model is prepared for each of the layers to calculate a feature. According to a prediction model in a first layer, an output value is calculated using input data including at least one attribute selected from attributes of the data. Thereafter, a prediction model in a subsequent layer is selected according to the output value. The output value calculation and the subsequent layer prediction model selection are repetitiously conducted until a prediction model of a final layer is reached. A score is calculated using the prediction model in the final model.

Claims

1. A score calculation method of calculating a score using data, comprising the steps of:

disposing a plurality of layers and preparing a prediction model for each of the layers to calculate a feature;

calculating, according to a prediction model in a first layer, an output value using input data including at least one attribute selected from attributes of the data;

selecting a prediction model in a subsequent layer according to the output value;

repetitiously executing the output value calculation step and the subsequent layer prediction model selection step until a prediction model of a final layer is reached; and

calculating a score using the prediction model in the final model.

2. A score calculation method according to claim 1, wherein the prediction model includes:

a scoring model to calculate a score using attributes of the input data; and

an attribute prediction model to predict, using attributes of the input data, a value of another attribute.

3. A score calculation method according to claim 2, wherein the prediction model in the final layer is a scoring model.

4. A score calculation method according to claim 1, wherein said selection of a prediction model in a subsequent layer is determined according to the output value and at least one threshold value.

5. A score calculation method according to claim 1, wherein said selection of a prediction model in a subsequent layer is determined according to the output value and a category to which the output value belongs.

6. A score calculation method according to claim 1, further comprising the step of displaying a number of uses of an attribute used in the all layers.

7. A score calculation method according to claim 1, further comprising the step of displaying prediction models used in the layers and output values thereof.

8. A score calculation system for calculating a score using data, comprising:

a prediction model to calculate a feature in each of a plurality of layers;

selecting means for selecting the prediction model in a subsequent layer; and

display means for displaying a score, wherein

a prediction model in an N-th layer (N>

=1) calculates an output value using input data including at least one attribute selected from attributes of the data,

said selecting means selects a prediction model in a subsequent layer according to the output value, and

said display means displays a score including an output from said prediction model.

9. A score calculation system according to claim 8, wherein said prediction model and said selecting means are implemented respectively by different computers.

10. A score calculation system according to claim 8, wherein said prediction models are executed by a plurality of computers.

11. A program for calculating a score using data, comprising the codes to executes the steps of:

disposing a plurality of layers and preparing a prediction model for each of the layers to calculate a feature;

calculating, according to a prediction model in a first layer, an output value using input data including at least one attribute selected from attributes of the data;

selecting a prediction model in a subsequent layer according to the output value;

repetitiously executing the output value calculation step and the subsequent layer prediction model selection step until a prediction model of a final layer is reached; and

calculating a score using the prediction model in the final model.