PATENT CLAIM ANALYSIS

Application Number: 15868320
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-05
Patent Classification: ["705", "038000"]

Abstract:
Systems and methods are disclosed for determine creditworthiness based on the stability of the customer's occupation. Occupational risk scores may be used to group stable or unstable occupations and may be used in conjunction with other indicators of creditworthiness. Risk band scores may also be used to determine creditworthiness. Other aspects of the disclosed embodiments are described herein.

Claim (Index 32):
A computer-implemented method for determining creditworthiness of a customer, comprising:\n receiving a plurality of indicators of stability of occupations; creating a plurality of intermediate customer occupations based on the received occupations; creating a plurality of intermediate indicators of stability of the intermediate customer occupations, the intermediate indicators of stability being created based on the received indicators of stability; consolidating the intermediate customer occupations and the intermediate indicators of stability to produce a plurality of consolidated customer occupations, the consolidated customer occupations being associated with consolidated indicators of stability; assigning, by at least one processor, risk bands to the consolidated customer occupations; generating, by the at least one processor, occupational risk scores based on the risk bands; receiving customer occupation information; associating the customer occupation information with one of the consolidated customer occupations; assigning an occupational risk score to the customer from the generated occupational risk scores based on the association; calculating creditworthiness of the customer based on the occupational risk score assigned to the customer; and reporting the creditworthiness of the customer to a financial account provider.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 86.0
- Lexical Diversity: 1.5
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14093647', '12582507', '11251811', '14637331', '13844502']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1084831764899479
- 35 USC 102 Novelty (BERT): 0.5962435134086156
- Combined Prediction Score: 0.1572592101818147
- Mean Citation Score: 295.863528
- Max Citation Score: 628.1541
- Similarity Product: 423.6807976812602

Labels:
- Claim Label 101: 0
- Claim Label 102: 0
- Claim Label 103: 1
- Claim Label 112: 1
- Combined Label: 0
- Label 101 Adjusted: 0

Dataset: test