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 18):
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 customer via 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 list of products to the client computer wherein the list of products presented is determined at least in part by the path through the computer network, wherein the list of products presented is a first list and the path is a first path where the customer is an existing client of the financial institution, or the list of products presented is a second list and the path is a second path where the customer is not an existing client of the financial institution; (c) receiving a choice of one or more products from the client computer; (d) authenticating the client computer using a first set of identification information; (e) reviewing the first set of identification information:\n (i) if the first set of identification information is not verified, requesting a second set of identification information that includes personal data of a customer using the client computer; \n (ii) if the first set of customer identification information is verified, evaluating a predetermined client identification profile (\u201cCIP\u201d) for the customer:\n (A) if the CIP is acceptable, displaying the customer's personal information on the client computer and collecting and verifying a set of co-applicant identification information; \n (B) if the CIP is not acceptable, requesting a third set of customer identification information that includes personal data of the customer that is different than the second set of customer information and searching public information based on the third set of customer identification information to verify the third set of customer identification information; \n \n (f) for the received second or third set of customer identification information:\n (i) determining the customer's primary residence location; \n (ii) obtaining a secondary residence location from the customer where the customer's determined primary residence location is not within an operating area of the financial institution; \n (iii) collecting and verifying a set of co-applicant identification information where there is a co-applicant associated with the customer; \n (g) determining a credit score for the customer based at least in part on whether the customer is an existing client of the financial institution and presenting terms and conditions to the client computer for at least one of the one or more products chosen by the client computer; and (h) receiving an application from the client computer for at least one of the one or more products chosen by the client computer.

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): 0.1077288121418228
- 35 USC 102 Novelty (BERT): 0.5453159108103748
- Combined Prediction Score: 0.151487522008678
- Mean Citation Score: 308.7050940000001
- Max Citation Score: 391.97562
- Similarity Product: 353.62633306665657

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