PATENT CLAIM ANALYSIS

Application Number: 16113323
Application Type: Utility
Filing Date: 2018-08
Publication Date: 2019-06
Patent Classification: ["705", "044000"]

Abstract:
A permissions management system is disclosed for enabling a user to securely authorize a third-party system to access user account data and initiate transactions related to a user account, without disclosing to the third-party system account credentials. The system enables the user to also securely de-authorize the third-party system. For example, records may be automatically generated that securely store account information, including one or more permissions related to the account and/or the third-party. A token associated with a record may be shared with the third-party system, but neither the record itself, nor the user account credentials, may be shared with the third-party. Accordingly, the third-party may request user account data and/or initiate transactions by providing the token, but does not itself know, e.g., the user account credentials. Further, the user may set various permissions related to the token, and may also revoke the token (e.g., de-authorize the third-party), thus providing increased security to the user's account.

Claim (Index 10):
A system comprising:\n a first computing device in communication with a second computing device separate from the first computing device, a third computing device associated with an external application, and a fourth computing device associated with an institution, the first computing device configured to:\n receive, from the third computing device, an authorization request including an indication of a user account; \n retrieve, from the fourth computing device associated with the institution, information associated with the user account held by the institution;\n generate at least:\n an electronic record of the information, and \n a token associated with the electronic record; \n \n cause at least one of a unique identifier associated with the token or the token to be provided to the third computing device; and \n provide, to the second computing device, at least:\n the electronic record of the information, and \n the token associated with the electronic record, \n \n wherein the token is useable by the second computing device to verify an authorization of the third computing device to request to cause a transaction related to the user account to be executed, \n whereby the third computing device is enabled to cause transactions related to the user account to be executed without sharing the information with the third computing device.

Metadata:
- Claim Count in Document: 51.0
- Percentile: 96.0
- Lexical Diversity: 2.45205
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15258262', '15258256', '16003640', '14722793', '15706337']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1085135196795388
- 35 USC 102 Novelty (BERT): 0.556968849055061
- Combined Prediction Score: 0.1533590526170911
- Mean Citation Score: 323.597398
- Max Citation Score: 420.72406
- Similarity Product: 373.7298602620172

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