PATENT CLAIM ANALYSIS

Application Number: 15954710
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2018-08
Patent Classification: ["705", "038000"]

Abstract:
A user credit rating method and apparatus are provided. The method includes obtaining offline feature information of a target user that is updated according to an update period. An offline credit score of the target user is calculated according to the offline feature information and an offline prediction model. Real-time feature information of the target user that is collected in a time range from a current time is obtained, where the time range is less than the update period. A real-time credit score of the target user is calculated according to the real-time feature information and a real-time prediction model, and a comprehensive credit score of the target user is calculated according to the offline credit score, the real-time credit score, and a comprehensive prediction model.

Claim (Index 24):
The method according to  claim 18 , wherein the real-time feature information comprises user data collected in real-time by a service platform; and\n the offline feature information comprises user data provided by a third party, or user data collected by the service platform.

Metadata:
- Claim Count in Document: 41.0
- Percentile: 91.0
- Lexical Diversity: 2.87234
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: True
- Related Applications: ['11462892', '12345325', '13285558', '13831252', '14109949']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0979955178036058
- 35 USC 102 Novelty (BERT): 0.4890111153378443
- Combined Prediction Score: 0.1370970775570296
- Mean Citation Score: 163.08394400000003
- Max Citation Score: 168.28036
- Similarity Product: 114.6833491571164

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

Dataset: test