Innovation #5: AI Loan Pre-Qualification System

Provisional Patent Application - Ready to File

Ready for USPTO

🎯 Novel Patentable Element

Performance-Based Lender Quality Scoring: System tracks which lenders actually approve applicants who meet stated requirements, calculates "qualified rejection rates," and automatically penalizes lenders who engage in bait-and-switch tactics by reducing their visibility in matching results.

Innovation #1 (Filed)
Document generation from unified data
Innovation #5 (This Patent)
ML matching + outcome-based lender scoring
Key Difference
Separate algorithms, different problems solved
USPTO Filing Instructions

Required Documents:

  • ✓ Specification (16 pages) - Ready above
  • ✓ Drawings (7 figures) - Rendered below
  • ✓ Cover sheet (Form SB/16) - Fill at USPTO.gov
  • ✓ Filing fee: $75 (micro entity)

Filing Deadline:

Target Date: March 30, 2026 (90 days from Innovation #1 filing)

Conversion Deadline: March 30, 2027 (12 months to convert to utility)

⚠️ 64 days remaining - file within 30 days recommended

Step-by-Step: Application Data Sheet

Once you select "Provisional" and reach the Application Data Sheet page:

1. Applicant Information:
  • Enter your name (Lionel Jimenez)
  • Select "Individual" as applicant type
  • Provide mailing address
2. Correspondence Address:
  • Use same address as applicant
  • Provide email for USPTO communications
3. Application Information:
  • Title: "INTELLIGENT LENDER MATCHING SYSTEM WITH DYNAMIC PERFORMANCE SCORING AND ADAPTIVE QUALIFICATION ENGINE"
  • Number of pages: 16 (specification)
  • Number of drawings: 7
4. Entity Status:
  • Select "Micro Entity" ($75 filing fee)
  • Certify you meet requirements (individual, <4 prior applications, gross income <$250K)
5. Upload Documents:
  • Specification: Upload the downloaded .txt file as PDF (convert using online tool or Word)
  • Drawings: Upload all 7 figures as separate image files (PNG or PDF format)
  • Cover Sheet: USPTO will auto-generate after you complete the form
6. Review & Submit:
  • Review all information carefully
  • Pay $75 filing fee via credit card or USPTO deposit account
  • Click "Submit Application"
  • Save confirmation number and receipt
Patent Drawings (7 Figures)

Figure 1: System Architecture

FIG. 1: SYSTEM ARCHITECTURE - INTELLIGENT LENDER MATCHING PLATFORMUSER INTERFACE LAYERBorrower Input (101)Match Results (102)Performance View (103)APPLICATION SERVER - CORE LOGICProfile Analyzer(201)Credit, RevenueIndustry, AmountML MatchingEngine (202)XGBoost ModelApproval PredictionPerformanceScorer (203)[NOVEL ELEMENT]Qualified RejectionVisibility ScoringOutcome Tracker(204)Approved/RejectedFeedback LoopRanking (205)Final Score =Prob × PerfDATABASE LAYERLenders (301)Requirements, RatesApplications (302)Borrower DataPerformance (303)Grades, VisibilityOutcomes (304)Decisions, TimelineLEGENDUser Input FlowFeedback LoopDatabase QueryNovel Component

Overall system showing applicant input, ML engine, performance tracker, and lender database

Figure 2: Lender Matching Algorithm

FIG. 2: LENDER MATCHING ALGORITHM FLOWCHARTSTARTInput: Applicant ProfileCredit: 720, Revenue: $500KIndustry: Retail, Loan: $100KFilter: Hard RequirementsGeographic, Min Credit, Loan TypeResult: 23 qualifying lendersML Model: Predict Approval %For each lender, calculateapproval probability (0-100%)Retrieve Performance Score[NOVEL: Qualified Rejection Rate]Lender A: Grade A (visibility=100)Lender B: Grade F (visibility=20)Calculate Final ScoreScore = (Approval Prob) × (Visibility / 100)A: 75% × 1.0 = 75, B: 80% × 0.2 = 16Sort by Final ScoreRank lenders descendingReturn top 10 matchesOUTPUTRanked Lender ListKey Innovation:Performance scoringprevents unreliablelenders from rankingfirst

Flowchart showing how applicant profiles are matched to ranked lender list

Figure 3: Performance Scoring Engine (NOVEL)

FIG. 3: PERFORMANCE SCORING ENGINE (NOVEL ALGORITHM)INPUT: Past 90 DaysStep 1: Retrieve Lender ApplicationsWHERE lender_id = X AND date >= NOW() - 90Step 2: Identify "Qualified" ApplicationsCompare profile to lender's stated requirementsFlag if: credit >= min AND revenue >= minResult: 47 qualified (of 62 total)Step 3: Calculate Qualified Rejection Rate[NOVEL ELEMENT]Qualified Rejections: 18 of 47Rate = 18 / 47 = 38.3%Step 4: Assign Performance GradeA: <10%, B: 10-20%, C: 20-30%D: 30-40%, F: >40%38.3% → GRADE DStep 5: Calculate Visibility ScoreA:100, B:90, C:70, D:40, F:20Grade D → Visibility = 40OUTPUT: Update Performance Tablequalified_rejection_rate: 38.3%performance_grade: Dvisibility_score: 40 (reduced)Example:Lender requires:Credit >= 650Revenue >= $250KTime >= 2 yrsApplicant: 720,$500K, 3 yrs= QUALIFIEDIf rejected:Qualified Rejection

Algorithm for calculating qualified rejection rate and assigning visibility scores

Figure 4: Feedback Loop Diagram

FIG. 4: CONTINUOUS IMPROVEMENT FEEDBACK LOOPML Model85% Accuracy1. ApplicationBorrower submitsto 3 lenders2. ML MatchingPredict approval %3. DecisionApproved/Rejected4. RecordUpdate metrics5. RetrainQuarterly updateWeekly:RecalculateperformanceQuarterly:Retrain MLAccuracy: 70% → 85% over 6 months

Circular flow showing how outcomes improve future matching accuracy

Figure 5: User Interface Screenshots

FIG. 5: USER INTERFACE MOCKUPSFIG. 5A: LOAN APPLICATION INPUT FORMCredit Score:720Annual Revenue:$500,000Time in Business:3 yearsIndustry:RetailLoan Amount Requested:$100,000Find MatchesFIG. 5B: RANKED LENDER RESULTS1. ABC BankApproval Probability: 85%Rate: 7.5% | Grade: A85%2. XYZ Credit UnionApproval Probability: 78%Rate: 8.2% | Grade: A78%3. 123 LendingApproval Probability: 72%Rate: 9.0% | Grade: B72%Showing 3 of 8 matchesFIG. 5C: LENDER PERFORMANCE DASHBOARDLender NameRejection RateGradeVisibilityABC Bank8.5%A100XYZ Credit15.2%B90Bad Actor LLC42.7%F20Qualified Rejection RatesABC: 8.5%XYZ: 15.2%Bad Actor: 42.7% (De-prioritized)FIG. 5D: MULTI-LENDER STATUS TRACKERABC Bank - $100,000Status: Approved ✓Applied: Jan 15 | Decision: Jan 22Rate: 7.5% | Timeline: 7 daysXYZ Credit Union - $100,000Status: Under ReviewApplied: Jan 18 | Expected: Jan 28Documents: 5/5 uploaded123 Lending - $100,000Status: Rejected ✗Applied: Jan 16 | Decision: Jan 20Reason: Debt-to-income too highKEY INTERFACE COMPONENTS5A: Applicant inputs profile → 5B: System ranks lenders by probability →5C: Admin views performance metrics → 5D: Borrower tracks multi-lender applications

Actual UI showing loan pre-screener, match results, and lender performance dashboard

Figure 6: Qualification Decision Matrix

FIG. 6: QUALIFICATION DECISION MATRIXAPPROVEDREJECTEDMEETS REQUIREMENTSDOESN'T MEETIdeal OutcomeQualified + Approved(Expected behavior)QUALIFIED REJECTION[NOVEL ELEMENT]Met ALL requirementsbut REJECTEDBait-and-SwitchCounts toward rejection rateUnexpected ApprovalDidn't meet criteriabut approved (rare)Expected RejectionDidn't meet criteriaand rejected(Does NOT count)Qualified Rejection RateRate = (Crosshatch Quadrant) / (Crosshatch + Diagonal)Example: 18 ÷ (18 + 29) = 38.3% → Grade D

2D matrix showing qualified rejections vs other application outcomes

Figure 7: Outcome Tracking Timeline

FIG. 7: APPLICATION LIFECYCLE & MODEL IMPROVEMENTDay 0Day 7Day 14Day 30Day 90ApplicationSubmittedPendingUnder reviewDecisionApprove/DenyRecordUpdate perfRetrainQuarterlyML MODEL ACCURACY IMPROVEMENT100%80%60%Q1Q2Q3Q4Q570%75%80%83%85%RetrainRetrainRetrain

Timeline showing application lifecycle and model improvement process

Next Steps
1. Review Specification
Download and review the 16-page patent application above
2. Save All Drawings
Right-click each figure and "Save Image As..." or take screenshots
3. File at USPTO.gov
Create Patent Center account, upload specification + drawings, pay $75 fee
4. Receive Confirmation
USPTO will email acknowledgement receipt within 24 hours

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LaunchPad's AI-driven business planning, financial modeling, and loan matching processes are protected by pending U.S. provisional patent application.

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