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 58):
The dynamic financial management product of  claim 41 , wherein the method further comprises:\n receiving, via the user interface of the product, selection by the user of a product from a third party website having a projected cost; and sending a virtual savings bin message to the server causing the server to create a virtual savings bin on the financial management server associated with the product, wherein the destination account is the virtual savings bin, wherein the transmitting of the account rule to the server causes the server to purchase the product from the third party website if an amount of money within the virtual savings bin equals the projected cost.

Metadata:
- Claim Count in Document: 170.0
- Percentile: 96.0
- Lexical Diversity: 1.38095
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14878857', '09903284', '12433272', '11554823', '14098844']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1189638261632579
- 35 USC 102 Novelty (BERT): 0.6072409025508738
- Combined Prediction Score: 0.1677915338020195
- Mean Citation Score: 252.905778
- Max Citation Score: 534.49896
- Similarity Product: 497.4650975845528

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