PATENT CLAIM ANALYSIS

Application Number: 16246257
Application Type: Utility
Filing Date: 2019-01
Publication Date: 2019-07
Patent Classification: ["235", "380000"]

Abstract:
An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.

Claim (Index 21):
A system comprising:\n an interface to a server computer, configured to receive a cardholder selection of a combination of notification parameters from a cardholder, the notification parameters specifying constraints that will cause notifications to be sent to the cardholder when transaction details of transactions conducted by a card presenter match the constraints, wherein the constraints specified by the notification parameters are unrelated to authorization of the transactions; a parameter table database, wherein the parameter table database is configured to store the cardholder selected notification parameters; and a subprocessor, configured to determine that transaction details of a transaction conducted by the card presenter at a POS terminal or an ATM terminal matches the constraints, the constraints being unrelated to authorization of the transaction, and send a notification to a device associated with the cardholder when the transaction details of the transaction conducted by the card presenter match the constraints specified by the notification parameters, the notification including the transaction details of the transaction, wherein the constraints are in a plurality of constraints, and wherein the plurality of constraints are displayed to the cardholder such that the cardholder is capable of selecting arbitrary combinations of the constraints.

Metadata:
- Claim Count in Document: 49.0
- Percentile: 99.0
- Lexical Diversity: 1.72464
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['12130143', '13527449', '11747659', '10093002', '12257766']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6655492501445068
- 35 USC 102 Novelty (BERT): 0.5297025616928858
- Combined Prediction Score: 0.6519645812993446
- Mean Citation Score: 361.975652
- Max Citation Score: 404.89856
- Similarity Product: 288.9126047238159

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

Dataset: test