PATENT CLAIM ANALYSIS

Application Number: 15923655
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2019-09
Patent Classification: ["705", "040000"]

Abstract:
A processor may receive first account state data for a first account associated with an account holder and second account state data for a second account associated with the account holder. The processor may automatically cause a transfer of value between the first account and the second account, the transfer causing a change in the first account's value and a change in the second account's value. The processor may detect a user-initiated transfer of value involving at least one of the first account and the second account. Using a reinforcement learning algorithm, the processor may evaluate the automatically-executed transfer of value and the user-initiated transfer of value to determine an effect of the automatically-executed transfer of value. The processor may store and/or modify a transfer policy in the at least one memory according to the effect of the automatically-executed transfer of value.

Claim (Index 4):
The method of  claim 3 , wherein indicating that the automatically-executed first transfer of value is to be changed includes at least one of changing a timing for the automatically-executed first transfer of value, changing a value of the automatically-executed first transfer of value, and changing a direction of the automatically-executed first transfer of value.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 90.0
- Lexical Diversity: 2.96078
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['15666308', '13472016', '14528446', '14467567', '15237340']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1131296609070946
- 35 USC 102 Novelty (BERT): 0.4945699736053245
- Combined Prediction Score: 0.1512736921769176
- Mean Citation Score: 141.309754
- Max Citation Score: 143.78093
- Similarity Product: 82.59716860502363

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