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 23):
The credit pre-approval device of  claim 19 , wherein the application usage data further includes the number of times the user has requested the credit score, how many times the user has viewed the credit score, and a record of decisions by the user in response to offers of credit.

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): 0.1191740410700486
- 35 USC 102 Novelty (BERT): 0.5026660149195231
- Combined Prediction Score: 0.1575232384549961
- Mean Citation Score: 191.523904
- Max Citation Score: 193.4165
- Similarity Product: 111.38357402318717

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

Dataset: test