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 1):
A method comprising:\n transmitting, by a computer-based system, a digital pass to a digital wallet of a first device of a transaction account user,\n wherein the digital pass includes an identification of the transaction account user in the digital pass, \n wherein the digital pass is updated using an application programming interface (API), \n wherein the digital pass is a sharable electronic pass with at least one of a selectable link or a scan-able indicator, \n wherein the first device establishes a wireless communication link to a second device associated with an applicant, and \n wherein the first device wirelessly transfers the digital pass to the second device via the wireless communication link and using a wireless communication protocol; \n transmitting, by the computer-based system, a request to complete a transaction account application to the applicant, in response to at least one of a selection of the selectable link or a scanning of the scan-able indictor of the digital pass; receiving, by the computer-based system, the transaction account application from the applicant for a transaction account; determining, by the computer-based system, that the transaction account application at least partially satisfies a transaction account issuing threshold; and issuing, by the computer-based system, the transaction account to the applicant.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 98.0
- Lexical Diversity: 1.94828
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14465674', '14465687', '11368271', '15166086', '13889299']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.5411428294954614
- 35 USC 102 Novelty (BERT): 0.4908890019909606
- Combined Prediction Score: 0.5361174467450114
- Mean Citation Score: 220.28047400000003
- Max Citation Score: 301.74387
- Similarity Product: 264.9718070212877

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