PATENT CLAIM ANALYSIS

Application Number: 15766918
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2018-10
Patent Classification: ["705", "039000"]

Abstract:
A method of providing an installment loan, comprising: sending a request for a loan of a specific sum by a purchaser holding proprietary payment means to an installment payment system, said purchaser at a POS; calculating by said installment payment system a credit score for said purchaser; determining by said installment payment system individual loan sum Y 0  and terms of payment for said purchaser using said calculated credit score; reserving said sum of Y 0  for said loan; purchasing goods from a merchant at said POS in a sum X≤Y 0  by said purchaser; paying said merchant the full purchase sum X by said installment payment system; and optionally performing a further purchase according to said individual terms of payment.

Claim (Index 9):
The method of  claim 4 , wherein said optionally performing a further purchase comprises:\n calculating by said installment payment system the remaining sum in said loan Y=Y 0 \u2212X; permitting further purchases if said remaining sum in the loan Y>0; and prohibiting further purchase if said remaining sum in the loan Y=0.

Metadata:
- Claim Count in Document: 16.0
- Percentile: 91.0
- Lexical Diversity: 2.33929
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['13692437', '13042141', '13644876', '09654341', '10914766']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1491739609583096
- 35 USC 102 Novelty (BERT): 0.5115068196556926
- Combined Prediction Score: 0.1854072468280479
- Mean Citation Score: 301.558504
- Max Citation Score: 312.8775
- Similarity Product: 246.8694589304924

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