PATENT CLAIM ANALYSIS

Application Number: 15956880
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2018-10
Patent Classification: ["705", "041000"]

Abstract:
A computer-implemented method and a system for loading reloadable cards, the computer-implemented method including: receiving, from an automated teller machine (ATM), a loading transaction request, the loading transaction request including a reloadable card identifier associated with a reloadable card, a funding card identifier associated with a funding card, and loading amount information; executing a funding card authorisation process; executing a reloadable card crediting process; and sending loading transaction approval to the ATM.

Claim (Index 14):
A computer-implemented method for loading reloadable cards, comprising:\n receiving, from an electronic device, a loading transaction request, the loading transaction request including a reloadable card identifier associated with a reloadable card, a funding card identifier associated with a funding card, and loading amount information; executing a funding card authorisation process, including:\n (a1) sending an authorisation request to a first issuer server device, the authorisation request including the funding card identifier and the loading amount information, the first issuer server device being associated with the funding card identifier, and \n (a2) receiving an authorisation approval from the first issuer server device; \n executing a reloadable card crediting process, including:\n (b1) sending a crediting request to a second issuer server device, the crediting request including the reloadable card identifier and the loading amount information, the second issuer server device being associated with the reloadable card identifier, and \n (b2) receiving a crediting confirmation from the second issuer server device; \n determining, at the electronic device, if a user is present at the electronic device; and sending a loading transaction approval to the electronic device or a secondary user device based on the authorisation approval received from the first issuer server device and the crediting confirmation received from the second issuer server device.

Metadata:
- Claim Count in Document: 26.0
- Percentile: 91.0
- Lexical Diversity: 2.07317
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: True
- Related Applications: ['13791887', '12246228', '13108328', '12246238', '12246233']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1238053075400568
- 35 USC 102 Novelty (BERT): 0.5008343547862554
- Combined Prediction Score: 0.1615082122646767
- Mean Citation Score: 263.14181799999994
- Max Citation Score: 274.16977
- Similarity Product: 202.7470213370717

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