Equifax XAI Patent - Machine Learning from Multiple Data Sources
Summary
The European Patent Office published patent EP4639421A1 for Equifax, Inc., covering explainable machine-learning (XAI) techniques that integrate multiple data sources. Inventor Stephen Miller developed methods for interpretable AI models in credit and financial applications. The patent grants Equifax exclusive rights to specific XAI implementations across all designated European states.
What changed
The EPO published patent EP4639421A1 granting Equifax exclusive rights to explainable machine learning techniques that process and interpret multiple data sources. This XAI patent covers methods for creating interpretable AI models suitable for regulated environments like credit scoring, fraud detection, and financial risk assessment.
Affected parties in the credit reporting, financial services, and AI/ML technology sectors should monitor this development. While patent grants do not create immediate compliance obligations, they may influence product development strategies and could lead to licensing requirements or enforcement actions for competing implementations in European markets.
What to do next
- Monitor for potential licensing negotiations
- Review patent claims for competitive landscape impact
- Track enforcement of XAI patents in European markets
Archived snapshot
Apr 9, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
EXPLAINABLE MACHINE-LEARNING TECHNIQUES FROM MULTIPLE DATA SOURCES
Publication EP4639421A1 Kind: A1 Apr 01, 2026
Applicants
Equifax, Inc.
Inventors
MILLER, Stephen
IPC Classifications
G06N 7/01 20230101AFI20240628BHEP G06N 20/20 20190101ALI20240628BHEP
Designated States
AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LI, LT, LU, LV, MC, ME, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR
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