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 25):
The system of  claim 21 , wherein creating the intermediate customer occupations further comprises at least one of:\n expanding abbreviations contained within customer occupation title information included in the customer occupation information; removing at least one of stop words or special characters from the customer occupation title information; or spell-checking the customer occupation title information.

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): 0.1188947251546932
- 35 USC 102 Novelty (BERT): 0.6083691871769646
- Combined Prediction Score: 0.1678421713569203
- Mean Citation Score: 295.863528
- Max Citation Score: 628.1541
- Similarity Product: 456.365207486558

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