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 23):
The system of  claim 21 , wherein:\n assigning risk bands further comprises assigning risk band values for the risk bands, a higher risk band value being associated with more risk than a lower risk band value; and generating the occupational risk scores based on the risk bands assigned to the consolidated customer occupations comprises summing the risk band values.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 86.0
- Lexical Diversity: 1.5
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14093647', '12582507', '11251811', '14637331', '13844502']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1175929381920176
- 35 USC 102 Novelty (BERT): 0.6162958831584281
- Combined Prediction Score: 0.1674632326886587
- Mean Citation Score: 295.863528
- Max Citation Score: 628.1541
- Similarity Product: 482.7070161712467

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