PATENT CLAIM ANALYSIS

Application Number: 16036049
Application Type: Utility
Filing Date: 2018-07
Publication Date: 2020-01
Patent Classification: ["705", "044000"]

Abstract:
Embodiments of systems and methods using integrated credit scoring and pre-approval tools are described. A credit score tool may obtain a user's credit score and associated credit information for display to the user. A credit pre-approval tool may assemble credit-related information for evaluation by a predictive model to determine whether a pre-approved offer of credit should be presented to the user along with the credit score.

Claim (Index 1):
A credit scoring and pre-approval system comprising:\n a user interface configured for display on at least one selected from the group of a mobile device application and a web browser; a credit score tool; a credit pre-approval tool; a database containing user information, prior pre-approval offer determinations made by the credit pre-approval tool, and application usage data; and a processor, wherein, upon receipt of a credit score request from a user, the processor executes the credit score tool to obtain a credit score and associated credit score information and the credit score tool displays the credit score on the user interface, wherein, upon receipt of the credit score and the associated credit information, the processor applies a predictive model to the received credit score, the associated credit score information, prior pre-approval offer determinations, and application usage data to determine whether to present a pre-approved offer of credit to the user, the application usage data comprises data relating to the user's interaction with the credit score tool, including the device used by the user to access the credit score tool and the time spent by the user interacting with the credit score tool, wherein the predictive model includes a target variable and a set of predictor variables, the set of predictor variables including at least the application usage data, wherein the predictive learning model is updated upon changes to the database through the use of at least one machine learning algorithm selected from the group of gradient boosting machine, logistic regression, and neural networks, and wherein, upon determining to present a pre-approved offer of credit to the user, the credit pre-approval tool displays the pre-approved offer of credit on the user interface.

Metadata:
- Claim Count in Document: 43.0
- Percentile: 95.0
- Lexical Diversity: 1.62791
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13531025', '12100225', '11971858', '13963927', '13090147']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1092109742020226
- 35 USC 102 Novelty (BERT): 0.4803426263743997
- Combined Prediction Score: 0.1463241394192603
- Mean Citation Score: 191.523904
- Max Citation Score: 193.4165
- Similarity Product: 139.32871080869438

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