PATENT CLAIM ANALYSIS

Application Number: 16141136
Application Type: Utility
Filing Date: 2018-09
Publication Date: 2019-01
Patent Classification: ["705", "038000"]

Abstract:
A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes a verification of customer-provided information with a pre-existing client identification profile for the customer, a determination of the customer's credit score using a set of predetermined criteria, and presenting a set of account options based at least in part on the verification of the customer-provided information and the customer's credit score. Additional customer-provided information may be received and verified and used to enroll the customer in one or more programs offered by the financial institution at a predefined level based at least on one or more predetermined factors.

Claim (Index 6):
The method of  claim 1  wherein the second set of information includes at least one of the customer's personal information and a co-applicant associated with the customer.

Metadata:
- Claim Count in Document: 44.0
- Percentile: 97.0
- Lexical Diversity: 1.82812
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['12540188', '12603290', '14993963', '12618198', '11796561']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1208756146330763
- 35 USC 102 Novelty (BERT): 0.5447112612167839
- Combined Prediction Score: 0.1632591792914471
- Mean Citation Score: 308.7050940000001
- Max Citation Score: 391.97562
- Similarity Product: 280.51320237314343

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

Dataset: test