PATENT CLAIM ANALYSIS

Application Number: 16059907
Application Type: Utility
Filing Date: 2018-08
Publication Date: 2018-12
Patent Classification: ["705", "034000"]

Abstract:
A dynamic personalizable automated finance management system that provides a financial management platform that enables users to easily generate a plurality of customized rules or conditions associated with one or more accounts thereby creating account plans that intelligently and passively execute the transfer of funds among accounts. The rules with a plan are able to define if, how much, when and where to transfer money to and from the accounts based on user entered criteria or triggers upon which the rules/conditions are based.

Claim (Index 41):
A dynamic financial management product stored on a non-transitory computer-readable medium for providing dynamic financial management of one or more monetary accounts by performing a method comprising:\n receiving, via a user interface of the product, selection by a user of one of the monetary accounts as a source account for an account rule and selection of another of the monetary accounts as a destination account for the account rule; receiving, via the user interface of the product, selection by the user of an evaluation trigger that describes one or more times when the account rule is evaluated; receiving, via the user interface of the product, selection by the user of a primary condition of the account rule including\n a primary transfer amount metric including at least one of a static value and a percentage, wherein the metric defines a primary quantity of money from the source account that is to be transferred if the primary condition is met \n generating the account rule based on the source account, the destination account, the evaluation trigger, the primary condition and the exception conditions, and linking the account rule with a user profile of the user; and storing the account rule on the non-transitory computer-readable medium\n if none of the sets of criteria are currently satisfied, calculating the primary quantity of money based on the primary transfer amount metric and initiate the transfer of the primary quantity of money from the source account to the destination account according to the primary condition of the account rule.

Metadata:
- Claim Count in Document: 170.0
- Percentile: 96.0
- Lexical Diversity: 1.38095
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14878857', '09903284', '12433272', '11554823', '14098844']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1081619515468072
- 35 USC 102 Novelty (BERT): 0.5981918394057345
- Combined Prediction Score: 0.1571649403326999
- Mean Citation Score: 252.905778
- Max Citation Score: 534.49896
- Similarity Product: 467.20880626620766

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