IP Library Granted Patent US 10,255,550
Granted Patent B1
US 10,255,550 · App. 15/616,249 · Granted Apr 9, 2019

Machine learning using multiple input data types

Inventors: Maxwell Simkoff (San Francisco, CA); Michael Housman (Beverly Hills, CA)
Assignee: States Title, Inc.
G06N3/08G06N7/005G06N20/00
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Quick Facts
Patent No.
US 10,255,550
App. No.
15/616,249
Granted
Apr 9, 2019
Kind
B1
Abstract

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for training and applying a machine learning model. One of the methods includes the actions of obtaining a plurality of data points associated with a specified object; using a machine learning model to generate a prediction from the obtained plurality of data points, the prediction indicating a likelihood that the object will satisfy a particular parameter and a predicted scope for the parameter, wherein the machine learning model is trained using a training set comprising a collection of data points associated with a labeled set of objects, the label indicating the particular parameter and value for each object of the training set; and based on the prediction, classifying the specified object according to a determination of whether the predicted scope satisfies a threshold value.

Claims (29)

1. A method comprising:

obtaining, in real-time and from one or more sources, a plurality of data points associated with a specified parcel of real property;

using a machine learning model to generate a prediction from the obtained plurality of data points, the prediction indicating a likelihood that the real property will satisfy a particular parameter, the particular parameter indicating a likelihood that the real property has a title defect, and a predicted scope for the parameter, wherein the machine learning model is trained using a training set comprising a collection of data points associated with a labeled set of a plurality of real property parcels distinct from the specified parcel of real property, wherein the data points for each real property parcel comprises one or more data types, the data types including statistical information about the real property parcel and a retail history of the property, and wherein each label indicates the actual historical occurrence and value for the particular parameter for each real property parcel of the training set such that the training set includes one or more real property parcels labeled as having a title defect of specified value and one or more real property parcels labeled as not having a title defect; and

based on the prediction indicating the likelihood that the real property has a title defect and the predicted scope for the title defect, classifying the specified parcel of real property according to a determination of whether the predicted scope satisfies a threshold value.

2. The method of claim 1 , wherein the obtained plurality of data points comprises a variety of data from a variety of data sources.

3. The method of claim 2 , wherein the obtained plurality of data points is obtained from both structured data sources and unstructured data sources.

4. The method of claim 3 , wherein obtaining data points from unstructured data sources includes processing unstructured data in the unstructured data sources to identify particular types of information including performing image recognition on images contained within the unstructured data.

5. The method of claim 1 , wherein each data point is associated with a particular data type and wherein each data type is weighted in the machine learning model.

6. The method of claim 5 , wherein the weight given to each data type varies depending on a particular mix of data types input to the machine learning model.

7. The method of claim 1 , wherein values for data points input into the machine learning model for different parcels of real property are tracked to determine whether the values actually input correspond to values anticipated by the machine learning model.

8. The method of claim 1 , wherein an actual outcome with respect to the particular parameter for the specific parcel of real property is determined and compared with the prediction.

9. The method of claim 8 , wherein in response to identifying inaccuracies in one or more predictions, adjusting the machine learning model based on updated training data.

10. A system comprising:

one or more computers and one or more storage devices storing instructions that are operable, when executed by the one or more computers, to cause the one or more computers to perform operations comprising:

obtaining, in real-time and from one or more sources, a plurality of data points associated with a specified parcel of real property;

using a machine learning model to generate a prediction from the obtained plurality of data points, the prediction indicating a likelihood that the real property will satisfy a particular parameter, the particular parameter indicating a likelihood that the real property has a title defect, and a predicted scope for the parameter, wherein the machine learning model is trained using a training set comprising a collection of data points associated with a labeled set of a plurality of real property parcels distinct from the specified parcel of real property, wherein the data points for each real property parcel comprises one or more data types, the data types including statistical information about the real property parcel and a retail history of the property, and wherein each label indicates the actual historical occurrence and value for the particular parameter for each real property parcel of the training set such that the training set includes one or more real property parcels labeled as having a title defect of specified value and one or more real property parcels labeled as not having a title defect; and

based on the prediction indicating the likelihood that the real property has a title defect and the predicted scope for the title defect, classifying the specified parcel of real property according to a determination of whether the predicted scope satisfies a threshold value.

11. The system of claim 10 , wherein the obtained plurality of data points comprises a variety of data from a variety of data sources.

12. The system of claim 11 , wherein the obtained plurality of data points is obtained from both structured data sources and unstructured data sources.

13. The system of claim 12 , wherein obtaining data points from unstructured data sources includes processing unstructured data in the unstructured data sources to identify particular types of information including performing image recognition on images contained within the unstructured data.

14. The system of claim 10 , wherein each data point is associated with a particular data type and wherein each data type is weighted in the machine learning model.

15. The system of claim 14 , wherein the weight given to each data type varies depending on a particular mix of data types input to the machine learning model.

16. The system of claim 10 , wherein values for data points input into the machine learning model for different parcels of real property are tracked to determine whether the values actually input correspond to values anticipated by the machine learning model.

17. The system of claim 10 , wherein an actual outcome with respect to the particular parameter for the specific parcel of real property is determined and compared with the prediction.

18. The system of claim 17 , wherein in response to identifying inaccuracies in one or more predictions, adjusting the machine learning model based on updated training data.

19. One or more non-transitory computer-readable storage media encoded with instructions that, when executed by one or more computers, cause the one or more computers to perform operations comprising:

obtaining, in real-time and from one or more sources, a plurality of data points associated with a specified parcel of real property;

using a machine learning model to generate a prediction from the obtained plurality of data points, the prediction indicating a likelihood that the real property will satisfy a particular parameter, the particular parameter indicating a likelihood that the real property has a title defect, and a predicted scope for the parameter, wherein the machine learning model is trained using a training set comprising a collection of data points associated with a labeled set of a plurality of real property parcels distinct from the specified parcel of real property, wherein the data points for each real property parcel comprises one or more data types, the data types including statistical information about the real property parcel and a retail history of the property, and wherein each label indicates the actual historical occurrence and value for the particular parameter for each real property parcel of the training set such that the training set includes one or more real property parcels labeled as having a title defect of specified value and one or more real property parcels labeled as not having a title defect; and

based on the prediction indicating the likelihood that the real property has a title defect and the predicted scope for the title defect, classifying the specified parcel of real property according to a determination of whether the predicted scope satisfies a threshold value.

Assignments (14)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Dec 21, 2024
From: STATES TITLE, LLC
To: DOMA TECHNOLOGY LLC
Reel/Frame 069659/0420 →
RELEASE OF SECURITY INTEREST Recorded Sep 30, 2024
From: ALTER DOMUS (US) LLC
To: STATES TITLE HOLDING, INC.; TITLE AGENCY HOLDCO, LLC
Reel/Frame 068742/0050 →
RELEASE OF SECURITY INTEREST Recorded Sep 30, 2024
From: HUDSON STRUCTURED CAPITAL MANAGEMENT LTD.
To: STATES TITLE HOLDING, INC.; TITLE AGENCY HOLDCO, LLC
Reel/Frame 068742/0095 →
RELEASE OF SECURITY INTEREST Recorded Aug 13, 2024
From: SILICON VALLEY BANK, A DIVISION OF FIRST-CITIZENS BANK & TRUST COMPANY
To: STATES TITLE, LLC (F/K/A STATES TITLE, INC.)
Reel/Frame 068270/0289 →
SECURITY INTEREST Recorded May 3, 2024
From: STATES TITLE HOLDING, INC.; TITLE AGENCY HOLDCO, LLC
To: ALTER DOMUS (US) LLC
Reel/Frame 067312/0857 →
CHANGE OF NAME Recorded Feb 27, 2024
From: STATES TITLE, INC.
To: STATES TITLE, LLC
Reel/Frame 066697/0217 →
RELEASE OF SECURITY INTEREST Recorded Feb 1, 2021
From: LENNAR TITLE GROUP, LLC (F/K/A NORTH AMERICAN TITLE GROUP, LLC)
To: TITLE AGENCY HOLDCO, LLC; STATES TITLE HOLDING, INC.; STATES TITLE, INC.; SPEAR AGENCY ACQUISITION INC.; STATES TITLE AGENCY, INC.; NORTH AMERICAN TITLE COMPANY, INC.; NORTH AMERICAN TITLE COMPANY; NORTH AMERICAN TITLE AGENCY, INC.; NORTH AMERICAN TITLE COMPANY OF COLORADO; NORTH AMERICAN TITLE, LLC; NORTH AMERICAN TITLE COMPANY, LLC; NASSA LLC; NORTH AMERICAN ASSET DEVELOPMENT, LLC
Reel/Frame 055100/0599 →
CORRECTIVE ASSIGNMENT TO CORRECT THE APPLICATION NUMBERS 10255550, 10510009 AND 10755184 TO PATENT NUMBERS 10255550, 10510009 AND 10755184 PREVIOUSLY RECORDED ON REEL 054804 FRAME 0211. ASSIGNOR(S) HEREBY CONFIRMS THE SECURITY INTEREST. Recorded Jan 8, 2021
From: STATES TITLE HOLDING, INC.; TITLE AGENCY HOLDCO, LLC
To: HUDSON STRUCTURED CAPITAL MANAGEMENT LTD
Reel/Frame 056322/0310 →
SECURITY INTEREST Recorded Jan 5, 2021
From: STATES TITLE HOLDING, INC.; TITLE AGENCY HOLDCO, LLC
To: HUDSON STRUCTURED CAPITAL MANAGEMENT LTD.
Reel/Frame 054812/0286 →
SECURITY INTEREST Recorded Jan 4, 2021
From: STATES TITLE HOLDING, INC.; TITLE AGENCY HOLDCO, LLC
To: HUDSON STRUCTURED CAPITAL MANAGEMENT LTD.
Reel/Frame 054804/0211 →
SECURITY INTEREST Recorded Mar 12, 2019
From: STATES TITLE, INC.
To: SILICON VALLEY BANK
Reel/Frame 048579/0092 →
EMPLOYEE AGREEMENT Recorded Feb 20, 2019
From: SIMKOFF, MAXWELL; HOUSMAN, MICHAEL
To: STATES TITLE, INC.
Reel/Frame 049283/0439 →
CHANGE OF NAME Recorded Feb 12, 2019
From: NORTH AMERICAN TITLE GROUP, LLC
To: CALATLANTIC TITLE GROUP, LLC
Reel/Frame 048305/0079 →
SECURITY INTEREST Recorded Jan 7, 2019
From: TITLE AGENCY HOLDCO, LLC; STATES TITLE HOLDING, INC.; STATES TITLE, INC.; SPEAR AGENCY ACQUISITION INC.; STATES TITLE AGENCY, INC.; NORTH AMERICAN TITLE COMPANY; NORTH AMERICAN TITLE AGENCY, INC.; NORTH AMERICAN TITLE COMPANY OF COLORADO; NORTH AMERICAN TITLE, LLC; NORTH AMERICAN TITLE COMPANY, LLC; NASSA LLC; NORTH AMERICAN ASSET DEVELOPMENT, LLC
To: NORTH AMERICAN TITLE GROUP, LLC
Reel/Frame 047917/0656 →
Cited By (10)
US 12,242,954 US 12,271,920 US 12,340,383 US 12,346,921 US 12,417,407 US 12,488,053 US 12,597,249 US 12,602,600 US 12,634,372 US 12,682,367