PATENT CLAIM ANALYSIS

Application Number: 16188811
Application Type: Utility
Filing Date: 2018-11
Publication Date: 2019-05
Patent Classification: ["705", "040000"]

Abstract:
A system for vehicular finance compliance and method for use of the same are disclosed. In one embodiment of the system, onboard vehicle disabling devices are respectively located in vehicles under finance by a vehicle lending institution. A server is located in communication with the onboard vehicle disabling devices, a vehicle financing database, and a vehicle identification number database. The server receives information regarding payments made by a vehicle purchaser relative to a vehicle of interest. The server also receives information relative to the location of the vehicle. The server verifies the consistency between vehicle finance information in the vehicle financing database and the vehicle identification information in the vehicle identification information database prior to causing an interaction, such as disabling, enabling, providing an audiovisual notification or providing a payment code, with the vehicle of interest by transmitting a signal to the onboard vehicle disabling device of the vehicle.

Claim (Index 19):
A system for vehicular finance compliance, the system comprising:\n a plurality of onboard vehicle disabling devices located in a respective plurality of vehicles under finance by a vehicle lending institution, each of the respective plurality of vehicles having a vehicle identification number; a vehicle financing database storing vehicle finance information relative to the plurality of vehicles under finance by the vehicle lending institution, the vehicle finance information including the vehicle identification number; the vehicle finance information includes information selected from the group consisting of vehicle year, vehicle make, vehicle model, vehicle engine, vehicle body type, vehicle interior options, vehicle exterior options, vehicle fuel type, vehicle suspension information, vehicle braking information, vehicle electronics options, vehicle power options, and vehicle airbag and safety information; a vehicle identification number database storing vehicle identification information searchable by the vehicle identification number; the vehicle identification information includes information selected from the group consisting of vehicle year, vehicle make, vehicle model, vehicle engine, vehicle body type, vehicle interior options, vehicle exterior options, vehicle fuel type, vehicle suspension information, vehicle braking information, vehicle electronics options, vehicle power options, and vehicle airbag and safety information; a server located in communication with the plurality of onboard vehicle disabling devices, the vehicle financing database, and the vehicle identification number database, the server including a processor and memory communicatively interconnected with a busing architecture; and the memory accessible to the processor, the memory including processor-executable instructions that, when executed, cause the processor to:\n receive information regarding payments made by a vehicle purchaser relative to a vehicle of interest belonging to the plurality of vehicles, \n receive global positioning system (GPS) information indicating the location of the vehicle of interest from the onboard vehicle disabling device of the vehicle of interest, \n access the vehicle finance information in the vehicle financing database relative to the vehicle of interest, \n access the vehicle identification information in the vehicle identification number database relative to the vehicle of interest based on the vehicle identification number in the vehicle finance information, \n verify consistency between the vehicle finance information and the vehicle identification information, and \n upon verification of consistency between the vehicle finance information and the vehicle identification information, transmit a signal to the onboard vehicle disabling device of the vehicle of interest to cause an interaction with the vehicle of interest, the interaction being selected from the group consisting of disabling the vehicle of interest, enabling the vehicle of interest, providing an audiovisual notification, and providing a payment code.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 98.0
- Lexical Diversity: 2.28169
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15852938', '12717221', '13278305', '11322498', '12849538']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1069494221761545
- 35 USC 102 Novelty (BERT): 0.4640543494990906
- Combined Prediction Score: 0.1426599149084481
- Mean Citation Score: 173.22926
- Max Citation Score: 178.58581999999996
- Similarity Product: 143.3288962935328

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

Dataset: test