PATENT CLAIM ANALYSIS

Application Number: 16351813
Application Type: Utility
Filing Date: 2019-03
Publication Date: 2019-07
Patent Classification: ["235", "379000"]

Abstract:
Systems and methods implementing a communication protocol for the authorization of transfer of resources in a computer system having a plurality of computers, including a centralized router connecting to source account controllers and destination account controllers that are connected to readers. A reader communicates a first authorization request having a source identifier to a portal coupled with a data storage storing data linking the source identifier to a linked identifier. The portal communicates with a respective linked account controller to obtain a response identifying an available resource. Based on the response, the reader generates a further authorization request for a requested resource from a source account identified by the source identifier to a destination account associated with the reader.

Claim (Index 10):
A non-transitory computer storage medium storing instructions configured to instruct a computing system to implement a communication protocol, the communication protocol comprising:\n establishing a communication connection between a portal and a reader that is connected to a destination account controller, wherein the communication connection does not go through the destination account controller controlling a destination account associated with the reader; receiving, in the portal through the communication connection from the reader, a first authorization request identifying a source account identifier obtained by the reader from a mobile device; transmitting, by the portal in response to the first authorization request and based on data linking the source account identifier and a linked identifier, a second authorization request to a linked account controller controlling a linked account identified by the linked identifier, the second authorization request including the linked account identifier; receiving, by the portal from the linked account controller, a first response to the second authorization request, the first response identifying an available resource for transferring from the linked account to the destination account; and communicating, by the portal, the first response to the reader to cause the reader to generate a third authorization request based on the available resource identified in the first response and transmit the third authorization request, the third authorization request including the source identifier and a requested resource to be transferred to the destination account; receiving, by a centralized router, the third authorization request from the reader via the destination account controller; routing, by the centralized router, the third authorization request to a source account controller that controls a source account identified by the source identifier contained in the third authorization request; and routing, by the centralized router, a second response to the third authorization request from the source account controller to the reader via the destination account controller.

Metadata:
- Claim Count in Document: 53.0
- Percentile: 99.0
- Lexical Diversity: 1.89394
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15601852', '14656221', '14738239', '13624778', '14523185']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.5953356537400698
- 35 USC 102 Novelty (BERT): 0.4990060080438469
- Combined Prediction Score: 0.5857026891704475
- Mean Citation Score: 230.512506
- Max Citation Score: 307.9218
- Similarity Product: 239.6030234719992

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