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 11):
The credit scoring pre-approval system of  claim 1 , wherein the credit score tool is in data communication with an external data source and receives the credit score and associated credit information from the external data source.

Metadata:
- Claim Count in Document: 43.0
- Percentile: 95.0
- Lexical Diversity: 1.62791
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['13531025', '12100225', '11971858', '13963927', '13090147']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1199864060741305
- 35 USC 102 Novelty (BERT): 0.495062394417362
- Combined Prediction Score: 0.1574940049084536
- Mean Citation Score: 191.523904
- Max Citation Score: 193.4165
- Similarity Product: 121.989122345984

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