PATENT CLAIM ANALYSIS

Application Number: 16036049
Application Type: Utility
Filing Date: 2018-07
Publication Date: 2020-01
Patent Classification: ["705", "044000"]

Abstract:
Embodiments of systems and methods using integrated credit scoring and pre-approval tools are described. A credit score tool may obtain a user's credit score and associated credit information for display to the user. A credit pre-approval tool may assemble credit-related information for evaluation by a predictive model to determine whether a pre-approved offer of credit should be presented to the user along with the credit score.

Claim (Index 12):
A method for credit scoring and pre-approval, comprising:\n obtaining a credit score and associated credit score information pertaining to a user; obtaining prior pre-approval determinations pertaining to the user; obtaining application usage data relating to the user's interaction with the credit score tool wherein the application usage data includes the device used by the user to access the credit score tool and the time spent by the user interacting with the credit score tool; applying a predictive model to the credit score, the associated credit score information, the prior pre-approval offer determinations, and the application usage data, the predictive model including a target variable and a plurality of predictor variables, wherein the target variable is whether the user applied for the displayed pre-approved offer of credit and the plurality of predictor variables includes the credit score, the associated credit score information, the prior pre-approval offer determinations, and the application usage data; determining, based on the predictive model, whether to present a pre-approved offer of credit to the user; presenting a pre-approved offer of credit to the user by displaying the offer on a user interface; and updating the predictive model through the use of at least one machine learning algorithm selected from the group of gradient boosting machine, logistic regression, and neural networks upon a change to one or more of the credit score, the associated credit score information, the prior pre-approval offer determinations, and the application usage data, and wherein the user interface is configured for display on at least one selected from the group of a mobile device application and a web browser.

Metadata:
- Claim Count in Document: 43.0
- Percentile: 95.0
- Lexical Diversity: 1.62791
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13531025', '12100225', '11971858', '13963927', '13090147']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1081272467115881
- 35 USC 102 Novelty (BERT): 0.4913587793125518
- Combined Prediction Score: 0.1464503999716845
- Mean Citation Score: 191.523904
- Max Citation Score: 193.4165
- Similarity Product: 123.9507464402914

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