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 19):
A credit pre-approval device, comprising:\n a user interface configured for display on at least one selected from the group of a mobile device application and a web browser; a processor; and a database containing information relating to a user, including a credit score, associated credit score information, prior pre-approval offer determinations made by the credit pre-approval tool, and application usage data, the application usage data comprising data relating to the user's interaction with the credit score tool, wherein the processor applies a predictive model to the information contained in the database, the predictive model including whether the user applied for the displayed pre-approved offer of credit as a target variable and a set of predictor variables, the set of predictor variables including at least the application usage data, 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, wherein, based on the predictive model, the user interface displays a pre-approved offer of credit to the user, and wherein the processor updates the predictive model upon changes to the database through the use of at least one machine learning algorithm selected from the group of gradient boosting machine, logistic regression, and neural networks.

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): 0.1088469990459721
- 35 USC 102 Novelty (BERT): 0.4840301933684554
- Combined Prediction Score: 0.1463653184782204
- Mean Citation Score: 191.523904
- Max Citation Score: 193.4165
- Similarity Product: 134.17882790309193

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