PATENT CLAIM ANALYSIS

Application Number: 15894308
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-06
Patent Classification: ["709", "206000"]

Abstract:
A financial messaging apparatus configured to encapsulate and transmit a financial message along with actions to a mobile device. The actions relate to rules that are associated with characteristics of the financial message.

Claim (Index 22):
A method for encapsulating a financial message, the method including:\n receiving a financial message generated by a bank; analyzing the received financial message to identify at least one characteristic of the received financial message; identifying at least one rule in a rule database matching at least one of the at least one identified characteristics of the received financial message, wherein the rule database is stored on a non-transitory computer readable medium and the rule database includes rules specifying actions to be added to financial messages based upon characteristics of the financial messages; combining at least one action specified by the identified at least one rule with the financial message to form an encapsulated financial message, wherein:\n the at least one action stored in the encapsulated financial message includes a routing rule specifying criteria for routing of the encapsulated financial message; \n the routing rule specifies at least one preferred location for routing the encapsulated financial message through or at least one prohibited location for routing the encapsulated financial message through; \n the encapsulated financial message is prevented from being routed through the at least one prohibited location; \n identifying a user associated with the received financial message; and transmitting the encapsulated financial message to the identified user, wherein:\n the encapsulated financial message is transmitted to the identified user through the at least one preferred location if routing through the at least one preferred location is available; and \n the encapsulated financial message is not transmitted through the at least one prohibited location.

Metadata:
- Claim Count in Document: 47.0
- Percentile: 88.0
- Lexical Diversity: 1.34615
- Patent Class: 709.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14489509', '11153095', '13870776', '13412362', '15591717']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.2848394212003847
- 35 USC 102 Novelty (BERT): 0.5221371859384027
- Combined Prediction Score: 0.3085691976741865
- Mean Citation Score: 199.945566
- Max Citation Score: 345.66934
- Similarity Product: 323.40050222539423

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