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 31):
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, offline feature information and real-time feature information; the offline scoring code being further configured to cause the at least one processor to calculate an offline credit score of each user according to the offline feature information of each user and the offline prediction model; and the real-time scoring module being further configured to cause the at least one processor to calculate a real-time credit score of each user according to the real-time feature information of each user and the real-time prediction model; and comprehensive model training code configured to cause the at least one processor to train the comprehensive prediction model according to the plurality of credit scoring result samples, the offline credit score, and the real-time credit score, and obtain a model parameter of the comprehensive 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): 0.0984049830429723
- 35 USC 102 Novelty (BERT): 0.4846096838684255
- Combined Prediction Score: 0.1370254531255176
- Mean Citation Score: 163.08394400000003
- Max Citation Score: 168.28036
- Similarity Product: 119.3684479693508

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