PATENT CLAIM ANALYSIS

Application Number: 15987696
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-10
Patent Classification: ["705", "043000"]

Abstract:
A system, method, and computer-readable storage medium configured to store a premium list of accounts of ATM cardholders, wherein the list includes primary account numbers (PANs) associated with the accounts of the ATM cardholders, and to allow the ATM transaction to proceed unblocked if the PAN of the transaction appears on the premium list even if the transaction would otherwise be blocked by the controller based on one or more fraud prevention rules.

Claim (Index 15):
A system comprising:\n an automated teller machine configured to perform withdrawal transactions, the automated teller machine receiving a particular withdrawal transaction request including a particular account number; a fraud prevention mechanism applying a set of fraud prevention rules to determine a particular fraud score for the particular withdrawal transaction request; a premium list of account numbers stored in a database; and an electronic processor\n receiving the particular account number and the particular fraud score for the particular withdrawal transaction request, \n accessing the premium list of account numbers, \n determining whether the particular account number is in the premium list of account numbers, \n causing the automated teller machine to reject the particular withdrawal transaction request if the particular fraud score exceeds a fraud score threshold and the particular account number is not in the premium list of account numbers, and \n causing the automated teller machine to fulfill the particular withdrawal transaction request despite the particular fraud score if the particular fraud score exceeds the fraud score threshold and the particular account number is in the premium list of account numbers.

Metadata:
- Claim Count in Document: 45.0
- Percentile: 93.0
- Lexical Diversity: 1.53846
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13364190', '12271643', '14293734', '15164170', '13545487']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1285209134685571
- 35 USC 102 Novelty (BERT): 0.5141333591920482
- Combined Prediction Score: 0.1670821580409062
- Mean Citation Score: 294.27208
- Max Citation Score: 315.27298
- Similarity Product: 225.92662845413687

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

Dataset: test