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 11):
A method of interfacing with a client computer with at least one server comprising at least one processor, the method comprising the steps of, via the at least one processor:\n (a) receiving an interface request from a client computer after the client computer has reached, via a path through a computer network, a predetermined webpage on a computer system for the financial institution; (b) presenting a list of products to the client computer wherein the list of products presented is determined at least in part by the path through the computer network; (c) receiving a choice of one or more products from the client computer; (d) authenticating the client computer using a first set of identification information; (e) reviewing the first set of identification information:\n (i) if the first set of identification information is not verified, requesting a second set of identification information that includes personal data of a customer using the client computer; \n (ii) if the first set of customer identification information is verified, evaluating a predetermined client identification profile (\u201cCIP\u201d) for the customer:\n (A) if the CIP is acceptable, displaying the customer's personal information on the client computer and collecting and verifying a set of co-applicant identification information, wherein the verifying comprises searching public information based on the set of co-applicant identification information; \n (B) if the CIP is not acceptable, requesting a third set of customer identification information that includes personal data of the customer that is different than the second set of customer information; \n \n (f) for the received second or third set of customer identification information:\n (i) determining the customer's primary residence location; \n (ii) obtaining a secondary residence location from the customer where the customer's determined primary residence location is not within an operating area of the financial institution; \n (iii) collecting and verifying a set of co-applicant identification information where there is a co-applicant associated with the customer; \n (g) factoring whether the customer is a new or existing client of the financial institution in determining a credit score of the customer and presenting terms and conditions to the client computer for at least one of the one or more products chosen by the client computer; and (h) receiving an application from the client computer for at least one of the one or more products chosen by the client computer.

Metadata:
- Claim Count in Document: 44.0
- Percentile: 97.0
- Lexical Diversity: 1.82812
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['12540188', '12603290', '14993963', '12618198', '11796561']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1079861442933632
- 35 USC 102 Novelty (BERT): 0.5446214964707083
- Combined Prediction Score: 0.1516496795110977
- Mean Citation Score: 308.7050940000001
- Max Citation Score: 391.97562
- Similarity Product: 336.02144097926976

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