PATENT CLAIM ANALYSIS

Application Number: 15868320
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-05
Patent Classification: ["705", "038000"]

Abstract:
Systems and methods are disclosed for determine creditworthiness based on the stability of the customer's occupation. Occupational risk scores may be used to group stable or unstable occupations and may be used in conjunction with other indicators of creditworthiness. Risk band scores may also be used to determine creditworthiness. Other aspects of the disclosed embodiments are described herein.

Claim (Index 33):
The method of  claim 32 , wherein the list of indicators of stability comprises at least one of an average annual income for an occupation, an average highest educational level attained for the occupation, a percentage of persons with different educational histories for the occupation, an average unemployment rate for the occupation, or a stability of unemployment rate for the occupation.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 86.0
- Lexical Diversity: 1.5
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14093647', '12582507', '11251811', '14637331', '13844502']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1223310494315319
- 35 USC 102 Novelty (BERT): 0.5875412320877785
- Combined Prediction Score: 0.1688520676971566
- Mean Citation Score: 295.863528
- Max Citation Score: 628.1541
- Similarity Product: 388.01025129647263

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

Dataset: test