PATENT CLAIM ANALYSIS

Application Number: 16059907
Application Type: Utility
Filing Date: 2018-08
Publication Date: 2018-12
Patent Classification: ["705", "034000"]

Abstract:
A dynamic personalizable automated finance management system that provides a financial management platform that enables users to easily generate a plurality of customized rules or conditions associated with one or more accounts thereby creating account plans that intelligently and passively execute the transfer of funds among accounts. The rules with a plan are able to define if, how much, when and where to transfer money to and from the accounts based on user entered criteria or triggers upon which the rules/conditions are based.

Claim (Index 51):
The dynamic financial management product of  claim 50 , wherein:\n the destination account is controlled by a service provider that bills the user for providing a service; the monitored variable is a billing amount of bills provided by the service provider; the valid variable values are unexpected billing amounts of the bills from the service provider; and the contingent alternative quantity of money is equal to zero, such that if the billing amount is equal to one of the unexpected values, payment of the bill is stopped because the monitored variable is equal to the valid variable values and the second condition is met causing the contingent alternative quantity of money transferred to the service provider to be equal to zero.

Metadata:
- Claim Count in Document: 170.0
- Percentile: 96.0
- Lexical Diversity: 1.38095
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14878857', '09903284', '12433272', '11554823', '14098844']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1177383122975803
- 35 USC 102 Novelty (BERT): 0.6141809913781342
- Combined Prediction Score: 0.1673825802056358
- Mean Citation Score: 252.905778
- Max Citation Score: 534.49896
- Similarity Product: 528.34667805027

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