PATENT CLAIM ANALYSIS

Application Number: 15891810
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-06
Patent Classification: ["705", "038000"]

Abstract:
A disclosed system for structuring and approving an offer may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive a loan application request, the loan application request including information identifying a vehicle characteristic. The one or more processors may be further configured to identify a vehicle that matches the vehicle characteristic and determine a loan offer for a customer to purchase the vehicle comprising at least a first loan term. The one or more processors may be further configured to provide the loan offer to an offer system, and receive a response from the offer system related to the loan offer, the response including a loan offer modification.

Claim (Index 21):
The system of  claim 18 , wherein determining the customer is not provisionally approved for financing comprises monitoring a financial account of the customer.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 88.0
- Lexical Diversity: 2.35714
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['11904276', '15861829', '14599127', '15826956', '11904242']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1244888051080201
- 35 USC 102 Novelty (BERT): 0.4946812680960692
- Combined Prediction Score: 0.161508051406825
- Mean Citation Score: 235.196422
- Max Citation Score: 238.75363
- Similarity Product: 173.53213531316877

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