PATENT CLAIM ANALYSIS

Application Number: 15879702
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-05
Patent Classification: ["705", "002000"]

Abstract:
An artificial-intelligence based, authorization data processing system and method that use networked electronic computers are provided. Included are one or more smart agent data structures tasked to individually follow past transaction data and behaviors, and to provide its artificial intelligence observations on the magnitude, type, and quality of payment card revenues and business routinely engaged in by the individual, e.g., a cardholder whose transaction request is pending. The computed level of acceptable transaction risk is raised in proportion to the cardholder's business value. As a further expedient, such quality cardholders may never be subject to a “declined transaction” if the requested payment transaction were less than some liberal minimum to meet an appropriate threshold level.

Claim (Index 1):
An artificial-intelligence based, electronic computer implemented process of authorizing or declining transactions using one or more smart agents, comprising the steps of:\n receiving authorization transaction request data messages; individually profiling past transaction data and behaviors by executing an algorithm that builds in one or more smart agent data structures a plurality of corresponding individual smart agents as data, and that stores a plurality of previously received authorization request data messages as data, and that computes the magnitude of desirable transactions previously generated by each cardholder involved in a particular recent payment authorization transaction request data message and that then stores the results as computed value of a corresponding cardholder's past business volume as data; adjusting an instant level of transaction risk stored as data in the one or more smart agent data structures by executing an algorithm according to a computed value of a corresponding cardholder's past business; and answering a particular instant payment authorization transaction request data message by executing an algorithm that inserts a transaction approved data message as data in the smart agent data structure in return that depends on an adjustment of the instant level of transaction risk as reflected in a data value of the instant level of transaction risk stored as data, thereby reducing an undesirable transaction-declined transaction signal rate.

Metadata:
- Claim Count in Document: 23.0
- Percentile: 86.0
- Lexical Diversity: 1.40217
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14525273', '12461289', '13531905', '14079711', '12888278']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1107851642010858
- 35 USC 102 Novelty (BERT): 0.5241778049691713
- Combined Prediction Score: 0.1521244282778944
- Mean Citation Score: 270.399262
- Max Citation Score: 290.41187
- Similarity Product: 217.9123983702761

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

Dataset: test