PATENT CLAIM ANALYSIS

Application Number: 16183139
Application Type: Utility
Filing Date: 2018-11
Publication Date: 2019-03
Patent Classification: ["235", "380000"]

Abstract:
The systems, methods, and computer readable mediums described herein provide a secure method for a transaction account issuer to issue a digital pass to an existing transaction account holder (e.g., an existing user) that may be shared and/or provided to a prospective transaction account holder (e.g., a new user). The digital pass may be sharable from an existing user's user device to a new user's user device. The systems, methods, and computer readable mediums described herein may also employ an adaptive web design solution to increase application completion rates by capturing minimal viable information from a prospective member.

Claim (Index 6):
The method of  claim 1 , wherein the determining that the transaction account application at least partially satisfies the transaction account issuing threshold comprises:\n creating, by the computer-based system, an identity verification request based on preliminary information from the applicant to create identity verification information; transmitting, by the computer-based system, the identity verification information to a credit rating agency; receiving, by the computer-based system and from the credit rating agency, creditworthiness information to complete the transaction account application and to supplement information in the transaction account application for the applicant; and analyzing, by the computer-based system and in response to the receiving the credit worthiness information, the transaction account application, based on the preliminary information provided by the applicant, and the credit worthiness information provided by the credit rating agency.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 98.0
- Lexical Diversity: 1.94828
- Patent Class: 235.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14465674', '14465687', '11368271', '15166086', '13889299']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.5696880794580672
- 35 USC 102 Novelty (BERT): 0.4988139642237835
- Combined Prediction Score: 0.5626006679346388
- Mean Citation Score: 220.28047400000003
- Max Citation Score: 301.74387
- Similarity Product: 233.8192623334229

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

Dataset: test