PATENT CLAIM ANALYSIS

Application Number: 16032064
Application Type: Utility
Filing Date: 2018-07
Publication Date: 2020-01
Patent Classification: ["705", "044000"]

Abstract:
A system for temporarily enabling an otherwise disabled payment account for use in a transaction is configured to perform operations including receiving, from a point of sale device, a transaction request associated with an account of a user, the transaction request comprising a transaction value representing a currency amount. The operations may also include determining that the user account has a disabled status. Further, the operations may include converting the transaction request into a personal identification code based at least in part on the transaction value. The operations may additionally include determining that the personal identification code matches a stored authorization code associated with the user account. And, the operations may include modifying the disabled status to permit successful processing of at least one subsequent transaction request associated with the user account.

Claim (Index 1):
A system for temporarily enabling an otherwise disabled payment account for use in a transaction, the system comprising:\n one or more memory devices storing instructions; and one or more processors configured to execute the instructions to perform operations comprising:\n receiving, from a point of sale device, a transaction request associated with an account of a user, the transaction request comprising a transaction value representing a currency amount; \n determining that the user account has a disabled status; \n converting the transaction request into a personal identification code based at least in part on the transaction value; \n determining that the personal identification code matches a stored authorization code associated with the user account; and \n based on the determination that the personal identification code matches the stored authorization code associated with the user account, modifying the disabled status to permit successful processing of at least one subsequent transaction request associated with the user account; \n receiving, from the point of sale device, the at least one subsequent transaction request, the at least one subsequent transaction request comprising a subsequent transaction value representing a currency amount; \n converting the at least one subsequent transaction request into a service request code based at least in part on the subsequent transaction value; \n determining an associated service request based on the service request code and a predetermined look-up table; and \n authorizing the associated service request.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 95.0
- Lexical Diversity: 2.08824
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['16008469', '15870834', '15975441', '14550382', '15068990']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1012271913610118
- 35 USC 102 Novelty (BERT): 0.5046240096731367
- Combined Prediction Score: 0.1415668731922243
- Mean Citation Score: 261.387882
- Max Citation Score: 285.9844700000001
- Similarity Product: 242.3731242754472

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