PATENT CLAIM ANALYSIS

Application Number: 15954710
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2018-08
Patent Classification: ["705", "038000"]

Abstract:
A user credit rating method and apparatus are provided. The method includes obtaining offline feature information of a target user that is updated according to an update period. An offline credit score of the target user is calculated according to the offline feature information and an offline prediction model. Real-time feature information of the target user that is collected in a time range from a current time is obtained, where the time range is less than the update period. A real-time credit score of the target user is calculated according to the real-time feature information and a real-time prediction model, and a comprehensive credit score of the target user is calculated according to the offline credit score, the real-time credit score, and a comprehensive prediction model.

Claim (Index 29):
The apparatus according to  claim 26 , wherein the computer program code further comprises:\n sample obtaining code configured to cause the at least one processor to obtain a plurality of credit scoring result samples of a plurality of users and, for each user, real-time feature information; and real-time model training code configured to cause the at least one processor to train the real-time prediction model according to the plurality of credit scoring result samples and the real-time feature information, and obtain a model parameter of the real-time prediction model.

Metadata:
- Claim Count in Document: 41.0
- Percentile: 91.0
- Lexical Diversity: 2.87234
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: True
- Related Applications: ['11462892', '12345325', '13285558', '13831252', '14109949']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0985784699163826
- 35 USC 102 Novelty (BERT): 0.4827504953776653
- Combined Prediction Score: 0.1369956724625109
- Mean Citation Score: 163.08394400000003
- Max Citation Score: 168.28036
- Similarity Product: 121.3482569136882

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