PATENT CLAIM ANALYSIS

Application Number: 15958071
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2019-10
Patent Classification: ["705", "042000"]

Abstract:
The disclosed embodiments provide systems, methods, and techniques for securely linking financial accounts in order to enable the transfer of funds and the monitoring of activity in the linked accounts. A request to link a first account with a second account may be received from an interface of a user device. An authorization may be received to link the first account with the second account. A transfer request may be received, including a request to transfer funds from the first account to the second account based on a set of transfer rules. The second account may be monitored for qualifying transactions, and upon determining that a qualifying transaction has occurred, funds may be transferred from the first account to the second account based on the transfer rules from the first account to the second account.

Claim (Index 1):
A system for securely linking a first account with a second account, comprising:\n one or more memory devices storing instructions; and one or more processors configured to execute the instructions to perform operations comprising:\n providing an interface accessible via a user device registered with the first account; \n receiving, via the interface, a request to link the first account with the second account; \n receiving, based on the request, an authorization associated with the second account to link the first account with the second account; \n linking, based on the authorization, the first account with the second account; \n receiving, via the interface, a transfer request, the transfer request comprising a request to transfer funds from the first account to the second account when the second account receives a deposit; \n monitoring the second account for a deposit; \n determining that a deposit has been made to the second account; \n upon detection of the deposit, electronically transferring funds, based on an amount of the determined deposit, from the first account to the second account; \n providing, via the interface, a first notice, the first notice stating that the funds have been transferred; \n storing, into a database, a date identifier associated with the transferred funds, the date identifier indicating a transfer date of the transferred funds being transferred into the second account; \n determining, based on the date identifier, whether a withdrawal from the second account is requested prior to expiration of a predetermined time period after the transfer date; \n electronically transferring, from the second account to the first account, at least a portion of the transferred funds based on a result of the determination that a withdrawal of the transferred funds from the second account is requested prior to expiration of the predetermined time period after the deposit date; \n receiving, from the user device registered with the first account, a request to access information relating to the second account; \n determining sensitive information included in the requested information; \n obfuscating the determined sensitive information; and \n transmitting, to the user device registered with the first account, the requested information with the obfuscated sensitive information.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 91.0
- Lexical Diversity: 2.45763
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['11698703', '12560112', '09665919', '11698702', '11698468']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1188461204821913
- 35 USC 102 Novelty (BERT): 0.5185671097274018
- Combined Prediction Score: 0.1588182194067123
- Mean Citation Score: 259.97228
- Max Citation Score: 266.7282
- Similarity Product: 162.07274363640548

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

Dataset: test