PATENT CLAIM ANALYSIS

Application Number: 15901607
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-06
Patent Classification: ["705", "038000"]

Abstract:
Methods and systems are disclosed for providing seller-initiated financing in a sale of an item between private parties. A financial service system configures a financing program to give sellers the opportunity to offer prospective buyers financing directly. The financial service system enrolls a given seller in the program, providing resources and services to the seller to help market the sale and select a credit-worthy buyer. Once the transaction is completed, the financial service system transfers proceeds to the seller, then configures a loan account and payment plan for the buyer. Alternatively, the program can be implemented with an intermediate service provider, such as an online marketplace retailer. The service provider enrolls the seller and assists with marketing and buyer selection, and the financial service system transfers proceeds to the seller and service provider, and configures a loan account and payment plan for the buyer.

Claim (Index 38):
The computer-implemented method of  claim 33 , wherein the web link comprises a link to a website associated with the financial service.

Metadata:
- Claim Count in Document: 1.0
- Percentile: 88.0
- Lexical Diversity: 2.18056
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14042333', '14599127', '15861829', '15826956', '14094513']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1558783824626352
- 35 USC 102 Novelty (BERT): 0.5542095224685084
- Combined Prediction Score: 0.1957114964632225
- Mean Citation Score: 365.160242
- Max Citation Score: 482.28198
- Similarity Product: 296.4745241318893

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

Dataset: test