PATENT CLAIM ANALYSIS

Application Number: 15979303
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-11
Patent Classification: ["705", "044000"]

Abstract:
Code, methods, and systems for monitoring, accepting and rejecting financial transactions and credit inquiries associated with a user payment card is disclosed. The system receives user data for a user. The system integrates with a first financial network associated with payment card data of the user such that the first financial network sends a first financial network request for user authorization for each initiated financial transaction. The system determines the customer record associated with the first financial network request. The system displays a first GUI requesting a user approval of the initiated financial transaction associated with the financial network request for user authorization. The system receives first input data from a remote computing device corresponding to a financial transaction authorization message or a financial transaction denial message. The system transmits the first financial network a message denying or accepting the initiated financial transaction.

Claim (Index 8):
The non-transitory computer readable medium of  claim 1 , wherein the program code is further configured for:\n integrating with at least one credit bureau such that the at least one credit bureau sends a credit bureau request for user authorization for each initiated credit inquiry received by the at least one credit bureau for each of the plurality of users; receiving, in real time, over the communications network, from at least one credit bureau the credit bureau request for user authorization for each initiated credit inquiry; determining, in real time, the user record associated with the credit bureau request for user authorization received; displaying, in real time, on the remote computing device of the user a second GUI requesting the user approval of the initiated credit inquiry associated with the credit inquiry request for user authorization; receiving, in real time, a plurality of second input data from the remote computing device, wherein the second input data corresponds to at least one of a credit inquiry authorization message and a credit inquiry denial message for the credit inquiry; and, transmitting, in real time, to at least one credit bureau associated with the credit bureau request, at least one of the credit inquiry authorization message and the credit inquiry denial message.

Metadata:
- Claim Count in Document: 42.0
- Percentile: 93.0
- Lexical Diversity: 2.63793
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['13097255', '12267237', '11755670', '12267117', '13094143']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1471551579414675
- 35 USC 102 Novelty (BERT): 0.5162201992280634
- Combined Prediction Score: 0.1840616620701271
- Mean Citation Score: 308.174432
- Max Citation Score: 316.67883
- Similarity Product: 228.47678540602504

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

Dataset: test