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 11):
The non-transitory computer readable medium of  claim 1 , wherein computer readable program code is further configured for:\n providing a second GUI for receiving from the remote computing device second input data, wherein the second input data includes a function of at least one of a time of day, an amount of the transaction, and the geographic transaction location for automatically transmitting at least one of the financial transaction authorization message and the financial transaction denial message for the initiated financial transaction without receiving first input data from the user; receiving from the remote computing device second input data; storing the second input data in the corresponding user record; and, after receiving the financial network request for user authorization for the initiated financial transaction and without receiving first input data, in real time, automatically transmitting to at least the first financial network associated with the financial network request for user authorization received, at least one of the financial transaction authorization message and the financial transaction denial message based upon the first protocol.

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): 0.1470070530362096
- 35 USC 102 Novelty (BERT): 0.5193045042723138
- Combined Prediction Score: 0.18423679815982
- Mean Citation Score: 308.174432
- Max Citation Score: 316.67883
- Similarity Product: 205.6856598383689

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