PATENT CLAIM ANALYSIS

Application Number: 15870834
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-06
Patent Classification: ["705", "044000"]

Abstract:
A system for temporarily enabling an otherwise disabled payment account for use in a transaction is configured to provide, based on a determination to disable a user's payment account, instructions to a user device of the user for displaying an application interface enabling the user to request to temporarily register the payment account for use in a transaction. The system is configured to receive a request, from the user device, to temporarily register the user's payment account to enable use of the payment account in a transaction, wherein the payment account is otherwise disabled based on a determination of fraud or possible fraud on the payment account, associate with the payment account, a transaction rule responsive to the request, the transaction rule defining a window of time in which a received transaction authorization request may be authorized for the payment account, and determine whether to approve the received transaction authorization request according to the temporary transaction rule, the determination being based on whether the transaction authorization request is received during the window of time. The system is also configured to transmit an authorization response to the transaction authorization request based on the determination.

Claim (Index 40):
A non-transitory computer-readable medium storing instructions executable by a processor to cause the processor to perform operations for temporarily enabling an otherwise disabled payment account for use in a transaction, the operations comprising:\n displaying, via a display, a first indication that indicates that a payment account is disabled; receiving a request to temporarily register the payment account for use in a transaction; forwarding the request, via a communication network, to a server; upon receiving a response to temporarily register the payment account for use in a transaction:\n acquiring information associated with a transaction rule applied to the payment account; \n updating the first indication to indicate that the payment account is enabled; \n displaying, via the display, a second indication of information associated with the transaction rule and the updated first indication, the second indication indicating that the payment account is temporarily enabled; \n determining, based on the transaction rule, whether the payment account should be no longer enabled; and \n in response to determining that the payment account should be no longer enabled:\n updating the first indication to indicate that the payment account is disabled; and \n displaying, via the display, the updated first indication that indicates that the payment account is disabled.

Metadata:
- Claim Count in Document: 65.0
- Percentile: 86.0
- Lexical Diversity: 3.10448
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14749233', '15141441', '13826246', '13097255', '12353063']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1095800069016051
- 35 USC 102 Novelty (BERT): 0.5017122662298381
- Combined Prediction Score: 0.1487932328344284
- Mean Citation Score: 245.095234
- Max Citation Score: 266.9589
- Similarity Product: 190.1137244861841

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