PATENT CLAIM ANALYSIS

Application Number: 15886737
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2019-03
Patent Classification: ["705", "039000"]

Abstract:
A method is provided. The method includes one or more of receiving an application for a card account from a consumer, authorizing the transfer of funds from a primary account to a secondary account, determining an available spending limit for the card account based on total accrued fractional earnings, approving one or more purchase transactions for the card account not greater than the available spending limit, and adjusting the available spending limit based on total accrued fractional earnings, a purchase balance, and the secondary account balance. The primary account stores earnings for the consumer and the secondary account includes a secondary account balance for storing funds to pay a card account statement balance. The primary and secondary accounts include one of separate accounts or a common account. Total accrued fractional earnings include a sum of fractional earnings and fractional earnings include a predetermined fraction of consumer earnings.

Claim (Index 2):
The method of  claim 1 , further comprising:\n transferring an amount comprising a portion of the purchase balance from the primary account to the secondary account on or after the payday; and transferring up to the card account statement balance from the secondary account to the card account on or before a card statement due date.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 88.0
- Lexical Diversity: 2.67797
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14295976', '13841900', '12537979', '12537177', '13283372']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1304589796232581
- 35 USC 102 Novelty (BERT): 0.5206274756305548
- Combined Prediction Score: 0.1694758292239878
- Mean Citation Score: 305.80504400000007
- Max Citation Score: 333.55884
- Similarity Product: 242.91174892996068

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