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 16):
The method of  claim 11  further comprising the steps of, via the at least one processor:\n (i) presenting option package terms to the client computer where the client computer has requested an option package, wherein the option package includes at least one of a debit card and an automated teller machine (\u201cATM\u201d) card; \n (j) receiving funding information from the client computer; \n (k) verifying the funding information; \n (l) requesting additional funds where the funding information is not valid; \n (m) determining customer debit card information where the customer is eligible for a debit card; \n (n) determining customer ATM card information where the customer is eligible for an ATM card; \n (o) determining information to open an online banking account for the customer where the customer is not an online banking client of the financial institution; and \n (p) generating account numbers at the financial institution for at least one account associated with the customer for at least one of the debit card or the ATM card and presenting final summary information to the client computer, otherwise placing the customer in a review process.

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): 0.10867588207443
- 35 USC 102 Novelty (BERT): 0.5427663452944033
- Combined Prediction Score: 0.1520849283964273
- Mean Citation Score: 308.7050940000001
- Max Citation Score: 391.97562
- Similarity Product: 289.0108356322646

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