PATENT CLAIM ANALYSIS

Application Number: 15979303
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-11
Patent Classification: ["705", "044000"]

Abstract:
Code, methods, and systems for monitoring, accepting and rejecting financial transactions and credit inquiries associated with a user payment card is disclosed. The system receives user data for a user. The system integrates with a first financial network associated with payment card data of the user such that the first financial network sends a first financial network request for user authorization for each initiated financial transaction. The system determines the customer record associated with the first financial network request. The system displays a first GUI requesting a user approval of the initiated financial transaction associated with the financial network request for user authorization. The system receives first input data from a remote computing device corresponding to a financial transaction authorization message or a financial transaction denial message. The system transmits the first financial network a message denying or accepting the initiated financial transaction.

Claim (Index 6):
The non-transitory computer readable medium of  claim 1 , wherein code is configured to give a predetermined amount of time for providing the first input data on the remote computing device, and wherein if the first input data is not received within the predetermined amount of time the initiated financial transaction is denied.

Metadata:
- Claim Count in Document: 42.0
- Percentile: 93.0
- Lexical Diversity: 2.63793
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['13097255', '12267237', '11755670', '12267117', '13094143']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1471472290527359
- 35 USC 102 Novelty (BERT): 0.5163852404043108
- Combined Prediction Score: 0.1840710301878934
- Mean Citation Score: 308.174432
- Max Citation Score: 316.67883
- Similarity Product: 227.2571430887032

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