PATENT CLAIM ANALYSIS

Application Number: 15960997
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2019-10
Patent Classification: ["705", "044000"]

Abstract:
The disclosed embodiments provide systems, methods, and techniques for securely linking financial accounts in order to enable the transfer of funds and the monitoring of activity in the linked accounts. A request to link a first account with a second account may be received from an interface of a user device. An authorization may be received to link the first account with the second account. A transfer request may be received, including a request to transfer funds from the first account to the second account based on a set of transfer rules. The second account may be monitored for qualifying transactions, and upon determining that a qualifying transaction has occurred, funds may be transferred from the first account to the second account based on the transfer rules from the first account to the second account.

Claim (Index 21):
A system for securely linking a first account with a second account, comprising:\n one or more memory devices storing instructions; and one or more processors configured to execute the instructions to perform operations, comprising:\n providing a first interface accessible via a user device registered with the first account, the first interface comprising a set of selectable rules for transferring funds to the second account; \n receiving, via the first interface, a selection of a rule by a user associated with the user device, the selected rule comprising a withdrawal time period after a transfer date of a transferred fund from the first account to the second account; \n providing a second interface accessible via a user device registered with the second account, the first account and second account being linked and the second account applying the selected rule; \n receiving, via the first interface, a transfer request, the transfer request comprising a request to initiate an automatic transfer of funds from the first account to the second account when the second account receives a deposit; \n providing, via the second interface, a notification indicating the transfer request; \n monitoring the second account for a deposit; \n determining that a deposit has been made to the second account; \n upon detection of the deposit, transferring funds, based on an amount of the determined deposit and the selected rule from the first account to the second account; \n providing, via the first interface, a first notice, the first notice stating that the funds have been transferred; \n storing, into a database, a date identifier associated with the transferred funds, the date identifier indicating a transfer date of the transferred funds transferred into the second account; \n determining, based on the date identifier, whether a withdrawal from the second account is requested prior to expiration of the withdrawal time period; and \n electronically transferring, from the second account to the first account, the transferred funds based on a result of the determination that a withdrawal of the transferred funds from the second account is requested prior to expiration of the withdrawal time period.

Metadata:
- Claim Count in Document: 5.0
- Percentile: 91.0
- Lexical Diversity: 2.45763
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['11698703', '09665919', '11698702', '12560112', '11698468']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.124780340780593
- 35 USC 102 Novelty (BERT): 0.4936511526932564
- Combined Prediction Score: 0.1616674219718594
- Mean Citation Score: 259.079384
- Max Citation Score: 266.70673
- Similarity Product: 213.67229388723788

Labels:
- Claim Label 101: 0
- Claim Label 102: 0
- Claim Label 103: 1
- Claim Label 112: 1
- Combined Label: 0
- Label 101 Adjusted: 0

Dataset: test