PATENT CLAIM ANALYSIS

Application Number: 15998857
Application Type: Utility
Filing Date: 2018-08
Publication Date: 2018-12
Patent Classification: ["705", "044000"]

Abstract:
Systems and methods are disclosed for providing cloud-based access to consumer financial information. A cloud-based platform may receive a notification from a server, the notification comprising a request to access consumer data associated with a financial services account. After confirming authorization by both the associated financial services account provider and the consumer, the platform may configure a software object identifying the server and at least a portion of the consumer data that the server is authorized to access. After presentation of the configured software object by the third party server, the platform may verify the configured software object, and provide to the server access to the authorized consumer data. The server may then utilize the provided consumer data to perform a mobile service for the consumer.

Claim (Index 7):
The system of  claim 5 , wherein the banking function associated with the account comprises one or more of configuring account related alerts, configuring automatic bill payment, transferring funds among financial services accounts associated with the Consumer, transferring funds to external accounts, and searching for nearby locations associated with the financial services account provider.

Metadata:
- Claim Count in Document: 1.0
- Percentile: 96.0
- Lexical Diversity: 2.21311
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14071869', '14072133', '12507219', '15406184', '10628584']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1070805659846945
- 35 USC 102 Novelty (BERT): 0.5581627292409276
- Combined Prediction Score: 0.1521887823103179
- Mean Citation Score: 253.63392400000004
- Max Citation Score: 410.56046
- Similarity Product: 395.9378487259448

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