PATENT CLAIM ANALYSIS

Application Number: 16135099
Application Type: Utility
Filing Date: 2018-09
Publication Date: 2019-03
Patent Classification: ["705", "004000"]

Abstract:
A method and system for handling data field tasks, the system comprising a database containing records and data fields associated with real estate ownership expense insurance policies that reimburses for increases in property ownership expenses including increases in maintenance fees and assessments from non-covered losses, an underwriting server communicatively coupled to one or more client devices and data sources over a communications network, the underwriting server comprising a processor that configures processes to the data sources and generates data source connections to receive information from the data sources, and a scheduler that allocates threads within the processes to at least one of the data fields associated with premium for coverage, expenses, and reimbursement of the real estate ownership expense insurance policies, and assigns the threads to tasks for performing operations on the at least one of the data fields based on the information from the data sources.

Claim (Index 18):
The system of  claim 14  wherein the processor further assesses the risk based on factors including duration of unit ownership, property location, susceptibility to storm damage, insurance costs, repair costs, neighborhood and building demographics, average household income within the building and neighborhood, property age, property construction class, property amenities, number of units, number of floors, property/unit pricing history, property/unit maintenance pricing history, risk exposure, property tax rates and assessed values, property occupancy or vacancy, primary home, vacation/seasonal residence, unoccupied, position of decision-making authority in property administration entity, profiles of condo association members, co-op board, or homeowners' association, inbound vs. outbound contact or marketing, response to a solicitation vs. actively seeking protection, applicant credit score, and claims history.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 97.0
- Lexical Diversity: 2.01299
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14923663', '09947897', '10198911', '09785254', '10714925']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.097060634731603
- 35 USC 102 Novelty (BERT): 0.6071521242312351
- Combined Prediction Score: 0.1480697836815662
- Mean Citation Score: 265.65315400000003
- Max Citation Score: 534.17017
- Similarity Product: 474.44987331799086

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