PATENT CLAIM ANALYSIS

Application Number: 16059907
Application Type: Utility
Filing Date: 2018-08
Publication Date: 2018-12
Patent Classification: ["705", "034000"]

Abstract:
A dynamic personalizable automated finance management system that provides a financial management platform that enables users to easily generate a plurality of customized rules or conditions associated with one or more accounts thereby creating account plans that intelligently and passively execute the transfer of funds among accounts. The rules with a plan are able to define if, how much, when and where to transfer money to and from the accounts based on user entered criteria or triggers upon which the rules/conditions are based.

Claim (Index 21):
A dynamic financial management system for the management of one or more of monetary accounts, the system comprising:\n one or more dynamic financial management servers; a client device storing a financial management product and communicatively coupled with the servers over one or more networks, wherein the financial management product is operable to:\n receive account rule data selected by a user via a user interface, the account rule data comprising:\n a designation of one of the monetary accounts as a source account for an account rule and a designation of another of the monetary accounts as a destination account for the account rule; \n an evaluation trigger that describes one or more times when the account rule is evaluated; and \n a primary condition of the account rule including:\n a primary transfer amount metric including at least one of a static value and a percentage, wherein the metric defines a primary quantity of money from the source account that is to be transferred if the primary condition is met; and \n \n \n transmit the transfer data associated with the account rule to the servers; wherein the dynamic financial management servers are operable to:\n store the account rule, wherein the account rule is based on the source account, the destination account, the evaluation trigger, and the primary condition\n if none of the sets of criteria are currently satisfied, calculating the primary quantity of money based on the primary transfer amount metric and initiating the transfer of the primary quantity of money from the source account to the destination account according to the primary condition of the account rule.

Metadata:
- Claim Count in Document: 170.0
- Percentile: 96.0
- Lexical Diversity: 1.38095
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14878857', '09903284', '12433272', '11554823', '14098844']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1077633120159701
- 35 USC 102 Novelty (BERT): 0.6006621135261954
- Combined Prediction Score: 0.1570531921669927
- Mean Citation Score: 252.905778
- Max Citation Score: 534.49896
- Similarity Product: 478.0920296642733

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