PATENT CLAIM ANALYSIS

Application Number: 15866812
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-05
Patent Classification: ["705", "038000"]

Abstract:
A system and method for providing a credit card with multiple lines of credit. One of the disclosed methods include, for example, analyzing credit information of a cardholder to determine a level of risk associated with the cardholder; establishing a general purpose credit line based on the determined level of risk associated with the cardholder, the general purpose credit line being set as a revolving credit line; establishing a private label credit line based on the determined level of risk associated with the cardholder, the private label credit line being set as a revolving credit line; and issuing the credit card to the cardholder with the established general purpose credit line and private label credit line.

Claim (Index 48):
The method of  claim 16 , wherein the general purpose credit line is less than the private label credit line and a part of the private label credit line.

Metadata:
- Claim Count in Document: 65.0
- Percentile: 86.0
- Lexical Diversity: 2.77778
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['11998417', '09659585', '11749213', '10920398', '13759880']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1478038931927021
- 35 USC 102 Novelty (BERT): 0.5713927740412039
- Combined Prediction Score: 0.1901627812775523
- Mean Citation Score: 383.841402
- Max Citation Score: 502.4847
- Similarity Product: 380.613467592591

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

Dataset: test