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 2):
The method of  claim 1  further comprising the steps of, via the at least one processor:\n (s) adding or updating the customer's identification information at the financial institution; \n (t) performing a risk analysis on the customer; \n (u) performing a fraud analysis on the customer; \n (v) opening a new account for the customer at the financial institution based on the customer's approved products, accounts, or enrollments; \n (w) processing the customer's approved online banking enrollment; \n (x) initiating a fund transfer to the new customer account; \n (y) adding an overdraft protection account at the financial institution for the customer; \n (z) linking the debit card or ATM card to the new customer account; \n (aa) ordering a credit card for the customer; \n (ab) processing fulfillment information; and \n (ac) sending a communication to the client computer indicating funding of the new customer account.

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): 0.1084467396640781
- 35 USC 102 Novelty (BERT): 0.5433816614842917
- Combined Prediction Score: 0.1519402318460994
- Mean Citation Score: 308.7050940000001
- Max Citation Score: 391.97562
- Similarity Product: 304.5997088358164

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