PATENT CLAIM ANALYSIS

Application Number: 16141136
Application Type: Utility
Filing Date: 2018-09
Publication Date: 2019-01
Patent Classification: ["705", "038000"]

Abstract:
A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes a verification of customer-provided information with a pre-existing client identification profile for the customer, a determination of the customer's credit score using a set of predetermined criteria, and presenting a set of account options based at least in part on the verification of the customer-provided information and the customer's credit score. Additional customer-provided information may be received and verified and used to enroll the customer in one or more programs offered by the financial institution at a predefined level based at least on one or more predetermined factors.

Claim (Index 7):
The method of  claim 1  wherein the verifying at least a part of the second set of information includes determining a first verification information, evaluating the first verification information, querying the customer, verifying the customer's answers to the queries, and authenticating the customer based on the first verification information and the customer's answers.

Metadata:
- Claim Count in Document: 44.0
- Percentile: 97.0
- Lexical Diversity: 1.82812
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['12540188', '12603290', '14993963', '12618198', '11796561']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1209605452076843
- 35 USC 102 Novelty (BERT): 0.5445037371734488
- Combined Prediction Score: 0.1633148644042608
- Mean Citation Score: 308.7050940000001
- Max Citation Score: 391.97562
- Similarity Product: 275.2518437695527

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

Dataset: test