PATENT CLAIM ANALYSIS

Application Number: 15998857
Application Type: Utility
Filing Date: 2018-08
Publication Date: 2018-12
Patent Classification: ["705", "044000"]

Abstract:
Systems and methods are disclosed for providing cloud-based access to consumer financial information. A cloud-based platform may receive a notification from a server, the notification comprising a request to access consumer data associated with a financial services account. After confirming authorization by both the associated financial services account provider and the consumer, the platform may configure a software object identifying the server and at least a portion of the consumer data that the server is authorized to access. After presentation of the configured software object by the third party server, the platform may verify the configured software object, and provide to the server access to the authorized consumer data. The server may then utilize the provided consumer data to perform a mobile service for the consumer.

Claim (Index 9):
A non-transitory computer-readable medium storing instructions executable by a processor to cause a computer system to execute a method for configuring mobile applications executable on mobile devices by providing cloud-based access to consumer financial information, comprising:\n receiving a request from an entity configuring a mobile application on a mobile device to access consumer data on a cloud platform, the consumer data being associated with a financial service account; determining a financial service account provider has authorized access by the entity to at least a portion of the consumer data; determining that a consumer associated with the financial service account has granted authorization for the entity to configure the mobile application by accessing the portion of the consumer data; configuring a digital certificate identifying the entity and the portion of the consumer data that the entity is authorized to access; receiving a request from the entity to configure the mobile application by accessing the authorized consumer data; verifying the configured digital certificate; and providing, to the entity, access to the authorized consumer data.

Metadata:
- Claim Count in Document: 1.0
- Percentile: 96.0
- Lexical Diversity: 2.21311
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14071869', '14072133', '12507219', '15406184', '10628584']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0969507769212419
- 35 USC 102 Novelty (BERT): 0.5527773934665592
- Combined Prediction Score: 0.1425334385757736
- Mean Citation Score: 253.63392400000004
- Max Citation Score: 410.56046
- Similarity Product: 352.8041052724719

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