PATENT CLAIM ANALYSIS

Application Number: 15901607
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-06
Patent Classification: ["705", "038000"]

Abstract:
Methods and systems are disclosed for providing seller-initiated financing in a sale of an item between private parties. A financial service system configures a financing program to give sellers the opportunity to offer prospective buyers financing directly. The financial service system enrolls a given seller in the program, providing resources and services to the seller to help market the sale and select a credit-worthy buyer. Once the transaction is completed, the financial service system transfers proceeds to the seller, then configures a loan account and payment plan for the buyer. Alternatively, the program can be implemented with an intermediate service provider, such as an online marketplace retailer. The service provider enrolls the seller and assists with marketing and buyer selection, and the financial service system transfers proceeds to the seller and service provider, and configures a loan account and payment plan for the buyer.

Claim (Index 31):
The system of  claim 26 , wherein the operations further comprise performing a credit worthiness assessment for the prospective buyer based on the prospective buyer information.

Metadata:
- Claim Count in Document: 1.0
- Percentile: 88.0
- Lexical Diversity: 2.18056
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14042333', '14599127', '15861829', '15826956', '14094513']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1538371990237762
- 35 USC 102 Novelty (BERT): 0.562966244968055
- Combined Prediction Score: 0.1947501036182041
- Mean Citation Score: 365.160242
- Max Citation Score: 482.28198
- Similarity Product: 346.4136527057362

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