PATENT CLAIM ANALYSIS

Application Number: 15891810
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-06
Patent Classification: ["705", "038000"]

Abstract:
A disclosed system for structuring and approving an offer may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive a loan application request, the loan application request including information identifying a vehicle characteristic. The one or more processors may be further configured to identify a vehicle that matches the vehicle characteristic and determine a loan offer for a customer to purchase the vehicle comprising at least a first loan term. The one or more processors may be further configured to provide the loan offer to an offer system, and receive a response from the offer system related to the loan offer, the response including a loan offer modification.

Claim (Index 32):
A method for providing a loan offer, the method comprising:\n receiving, from a remote device, a loan application request, the loan application request comprising a loan term, an identification of a desired vehicle having set of vehicle characteristics, and information identifying a customer; determining that the customer is not provisionally approved for financing of the desired vehicle; providing, to the remote device, a loan application response indicating that the customer is not provisionally approved for financing of the desired vehicle; accessing a merchant inventory database of vehicles available for sale at a merchant location, the database comprising vehicle characteristics for the available vehicles; obtaining estimated values of the available vehicles from a third party evaluation source; determining, based on a set of mathematical rules relating to the desired vehicle characteristics, the available vehicle characteristics, the estimated values, and the customer information, that the customer is pre-approved for financing for purchase of a selected one of the available vehicles; and providing, to the remote device, a loan offer indicating that the customer is approved for financing to purchase the selected available vehicle.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 88.0
- Lexical Diversity: 2.35714
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['11904276', '15861829', '14599127', '15826956', '11904242']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.112724617766954
- 35 USC 102 Novelty (BERT): 0.4855619163849058
- Combined Prediction Score: 0.1500083476287491
- Mean Citation Score: 235.196422
- Max Citation Score: 238.75363
- Similarity Product: 189.28423584325668

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

Dataset: test