PATENT CLAIM ANALYSIS

Application Number: 15987696
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-10
Patent Classification: ["705", "043000"]

Abstract:
A system, method, and computer-readable storage medium configured to store a premium list of accounts of ATM cardholders, wherein the list includes primary account numbers (PANs) associated with the accounts of the ATM cardholders, and to allow the ATM transaction to proceed unblocked if the PAN of the transaction appears on the premium list even if the transaction would otherwise be blocked by the controller based on one or more fraud prevention rules.

Claim (Index 1):
A system comprising:\n an automated teller machine configured to perform withdrawal transactions, the automated teller machine receiving a particular withdrawal transaction request including a particular account number and; a fraud prevention mechanism applying one or more fraud prevention rules to the particular withdrawal transaction request; a premium list of account numbers stored in a database; and an electronic processor\n determining whether the particular account number is in the premium list of account numbers, \n causing the automated teller machine to reject the particular withdrawal transaction request if the particular withdrawal transaction request violates the one or more fraud prevention rules and the particular account number is not in the premium list of account numbers, and \n causing the automated teller machine to fulfill the particular withdrawal transaction request if the particular withdrawal transaction request violates the one or more fraud prevention rules and the particular account number is in the premium list of account numbers.

Metadata:
- Claim Count in Document: 45.0
- Percentile: 93.0
- Lexical Diversity: 1.53846
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13364190', '12271643', '14293734', '15164170', '13545487']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1284713446403958
- 35 USC 102 Novelty (BERT): 0.5152252244027841
- Combined Prediction Score: 0.1671467326166347
- Mean Citation Score: 294.27208
- Max Citation Score: 315.27298
- Similarity Product: 218.09671424008368

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

Dataset: test