PATENT CLAIM ANALYSIS

Application Number: 15936824
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2018-08
Patent Classification: ["705", "044000"]

Abstract:
A system for conducting a transaction is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive information associated with a transaction initiated using a multi-account card. The one or more processors may be further configured to select and employ one of a plurality of transaction accounts to complete the transaction.

Claim (Index 40):
A non-transitory computer-readable medium storing instructions that, when executed by a processor, cause the processor to perform operations comprising:\n receiving information associated with a transaction initiated using a multi-account card, the multi-account card being associated with a plurality of accounts; determining for each of the plurality of accounts whether the transaction is authorized by that account; when the transaction is authorized by every account of the plurality of accounts:\n generating a pending transaction for each account; \n maintaining an opportunity for a period of time for a user to select one of the plurality of accounts to complete the transaction; \n completing the transaction upon receiving a selection of one of the accounts; and \n cancelling, by the one or more processors, pending transactions created for accounts not selected to complete the transaction.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 90.0
- Lexical Diversity: 1.65854
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14713855', '14548020', '14472610', '15797747', '14472641']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0978338092769516
- 35 USC 102 Novelty (BERT): 0.5219271871412575
- Combined Prediction Score: 0.1402431470633822
- Mean Citation Score: 249.553434
- Max Citation Score: 333.69394
- Similarity Product: 300.22628288285495

Labels:
- Claim Label 101: 0
- Claim Label 102: 1
- Claim Label 103: 1
- Claim Label 112: 1
- Combined Label: 0
- Label 101 Adjusted: 0

Dataset: test