PATENT CLAIM ANALYSIS

Application Number: 15870834
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-06
Patent Classification: ["705", "044000"]

Abstract:
A system for temporarily enabling an otherwise disabled payment account for use in a transaction is configured to provide, based on a determination to disable a user's payment account, instructions to a user device of the user for displaying an application interface enabling the user to request to temporarily register the payment account for use in a transaction. The system is configured to receive a request, from the user device, to temporarily register the user's payment account to enable use of the payment account in a transaction, wherein the payment account is otherwise disabled based on a determination of fraud or possible fraud on the payment account, associate with the payment account, a transaction rule responsive to the request, the transaction rule defining a window of time in which a received transaction authorization request may be authorized for the payment account, and determine whether to approve the received transaction authorization request according to the temporary transaction rule, the determination being based on whether the transaction authorization request is received during the window of time. The system is also configured to transmit an authorization response to the transaction authorization request based on the determination.

Claim (Index 36):
The method of  claim 34 , wherein the transaction rule is a time-based transaction rule indicating a window of time during which the payment account may be temporarily enabled.

Metadata:
- Claim Count in Document: 65.0
- Percentile: 86.0
- Lexical Diversity: 3.10448
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14749233', '15141441', '13826246', '13097255', '12353063']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1208115957912133
- 35 USC 102 Novelty (BERT): 0.514557043925177
- Combined Prediction Score: 0.1601861406046097
- Mean Citation Score: 245.095234
- Max Citation Score: 266.9589
- Similarity Product: 155.56923885455134

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

Dataset: test