Regression ML Models for Predictive Insights

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Solution Overview

Problem

Current approaches for providing predictive insights in online transaction applications and computing resources lack personalization, accuracy, and transparency, leading to mistrust among users and inefficiencies in digital content distribution, which can render user interfaces obsolete and waste computing resources.

Innovation Solution

A system of connected machine learning models that cooperate through training and retraining to predict future digital events with confidence scores, generating personalized and actionable insights displayed on user interfaces, using regression-based models for quantile regression predictions and triggering computerized actions based on confidence thresholds.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If black box or ad-hoc methods are used to provide predictive insights, then implementation speed is improved, but user trust and reliability deteriorate

Engineering Contradiction:
Improveimplementation speedVSAvoiduser trust
Core Design Contradiction:
ProductivityVSReliability

Solution Approach 1:

The system implements feedback by providing confidence scores that reflect model uncertainty, allowing users to understand when predictions are reliable and when they should be treated with caution. This transparent feedback mechanism maintains implementation speed while building user trust through quantified reliability metrics.

Inventive Principle:
Principle #23Feedback

Solution Approach 2:

The system uses visual indicators (such as confidence score thresholds represented by different visual states) to communicate prediction reliability to users. This makes the abstract concept of model confidence tangible and interpretable, enhancing user trust without sacrificing implementation efficiency.

Inventive Principle:
Principle #32Color changes

2Device complexity

If conventional digital content distribution systems are used, then system simplicity is maintained, but adaptability to changing user needs deteriorates

Engineering Contradiction:
Improvesystem simplicityVSAvoidadaptability to changing needs
Core Design Contradiction:
Device complexityVSAdaptability or versatility

Solution Approach 1:

The system dynamically adjusts digital content distribution based on real-time confidence scores and user-specific predictions. Rather than static content delivery, the system adapts content presentation, timing, and targeting based on predicted user needs and confidence in those predictions, maintaining relative system simplicity while achieving high adaptability.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The system changes distribution parameters (such as content timing, targeting, and presentation) based on confidence score thresholds and user-specific predictions. This allows the system to adapt to changing user needs by adjusting operational parameters rather than redesigning the entire distribution architecture.

Inventive Principle:
Principle #35Parameter changes

3Productivity

If inaccurate digital content is provided in networked environments, then content generation speed is improved, but user interface effectiveness and resource utilization deteriorate

Engineering Contradiction:
Improvecontent generation speedVSAvoiduser interface effectiveness
Core Design Contradiction:
ProductivityVSReliability

Solution Approach 1:

The system performs preliminary actions by generating confidence scores and filtering predictions before content is delivered to the user interface. This preliminary quality assessment prevents inaccurate content from reaching users, maintaining generation speed while ensuring interface effectiveness through pre-filtering based on confidence thresholds.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS20240289645A1System and method of regression based machine learning models for predictive insights
Publication Date: 2024.08.29 THE TORONTO DOMINION BANK
  • US20240289645A1 patent drawing
  • US20240289645A1 patent drawing
  • US20240289645A1 patent drawing

AI summary

The disclosed embodiments include computer-implemented systems, apparatuses, and processes that automatically generate and provision a system of machine learning models specifically configured and trained for providing a signal output indicative of a prediction and associated confidence metrics derived via retraining the prediction model for providing the initial prediction and comparing outputs of the set of machine learning models to expected thresholds for the prediction and generating, based on the comparison, a set of actions to be performed on a networked computing environment relating to one or more transactions associated with the prediction.