PATENT CLAIM ANALYSIS

Application Number: 15907166
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-10
Patent Classification: ["705", "038000"]

Abstract:
Systems and methods for conducting reliable financial transactions, credit decisions, and security assessments are provided. A user may assign user connectivity values to other members of the community, or connectivity values may be automatically harvested or assigned from third parties or based on the frequency of interactions between members of the community. Connectivity values may represent such factors as alignment, reputation within the network community, or the degree of trust. Information about a financial transaction initiated by a first member of the community, a credit decision, and/or a security assessment may be automatically published to other qualifying members of the community based on connectivity values. The other qualifying members may then be given the opportunity to participate in the same financial transaction or access the same financial application in order to initiate their own financial transaction, or to take action based on information about the financial transaction, credit decision, and/or security assessment. These transactions may also be based on virtual and/or electronic currencies.

Claim (Index 21):
A data processing method, comprising:\n receiving, with a computing device that is logically connected to a communication network, a database that has been distributed across a plurality of remote nodes of a parallel computational framework for efficiency in processing and latency reduction, wherein the database comprises:\n a plurality of results of past transactions between a plurality of nodes of a transaction network, and \n computer readable instructions configured for automatic initiation of a third transaction based upon a particular result of a second transaction; \n storing the database in a memory associated with the computing device; examining the results of a first transaction to confirm that the second transaction is permitted; recording, in the database, results of the second transaction; distributing, using the logical connection to the communication network, the results of the second transaction to at least one of the plurality of remote nodes of the parallel computational framework, such that the at least one of the plurality of remote nodes may store the results of the second transaction in a second memory associated with the at least one of the plurality of remote nodes; and upon determining that the particular result of the second transaction occurred, automatically initiating the third transaction.

Metadata:
- Claim Count in Document: 38.0
- Percentile: 88.0
- Lexical Diversity: 2.0814
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15254642', '14282935', '14990348', '15671102', '13503352']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0979051176673638
- 35 USC 102 Novelty (BERT): 0.5110533870862216
- Combined Prediction Score: 0.1392199446092495
- Mean Citation Score: 261.631894
- Max Citation Score: 268.7206
- Similarity Product: 183.5998609357476

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