US Patent 11232501 Machine-learning for combinatorial decisioning

According to examples, an apparatus may include a processor and a memory on which is stored machine readable instructions that may cause the processor to generate a matrix based on features of reference entities and a respective allocation of value provided to each reference entity, apply first-stage machine-learning on the matrix to identify relevant features of the reference entities that correlate with the respective allocation of value provided to each reference entity, and access an identity of a target entity and target features of the target entity. The instructions may further cause the processor to apply second-stage machine-learning to generate a cluster comprising the target entity and a set of the reference entities based on the relevant features and determine a distribution of values allocated to the set. The distribution of values may be used to generate or assess a target allocation of value for the target entity.