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 17):
A method of interfacing with a client computer with at least one server comprising at least one processor, the method comprising the steps of, via the at least one processor:\n (a) receiving an interface request from a client computer after the client computer has reached, via a path through a computer network, a predetermined webpage on a computer system for the financial institution; (b) presenting a first content to the client computer wherein the first content is determined by the path through the computer network, wherein the first content includes a list of products, and wherein one of the products is automatically highlighted on a display device of the client computer wherein the product highlighted is based on the path through the computer network; (c) receiving a first input from the client computer; (d) receiving from the client computer a first set of information; (e) presenting the first set of information to the client computer for review by a customer using the client computer and receiving a second set of information from the client computer wherein the second set of information comprises the first set of information and any modifications to the first set of information made by the customer; (f) presenting to the client computer a set of terms and conditions; (g) receiving an application from the client computer; (h) verifying at least a part of the second set of information, wherein the verifying comprises: searching an internal database of the financial institution to determine whether the customer has been identified as a fraudster by the financial institution, and searching an external database of a second financial institution to determine whether the customer has been identified as a fraudster by the second financial institution; (i) determining a credit score for the customer based at least in part on whether the customer is an existing client of the financial institution; (j) presenting to the client computer a set of account options and associated terms and conditions wherein the set of account options presented are based at least in part on said determined credit score for the customer, wherein the set of account options presented is a first set of account options where the customer is an existing client of the financial institution or a second set of account options where the customer is not an existing client of the financial institution, wherein the account options in the second set are fewer than the account options in the first set; (k) receiving a funding option from the client computer; (l) verifying the funding option; (m) determining that the customer is to be enrolled for a debit card or an automated teller machine (\u201cATM\u201d) card; (n) processing the customer for the debit card or ATM card enrollment; (o) determining that the customer is to be enrolled in an online banking program; (p) reserving account numbers at the financial institution for the customer; (q) presenting to the client computer information related to the customer's approved products, accounts, or enrollments; and (r) sending a communication to the client computer indicating approval of the customer's approved products, accounts, or enrollments.

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): 0.107831676475266
- 35 USC 102 Novelty (BERT): 0.545038142846696
- Combined Prediction Score: 0.151552323112409
- Mean Citation Score: 308.7050940000001
- Max Citation Score: 391.97562
- Similarity Product: 346.5838762513554

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