PATENT CLAIM ANALYSIS

Application Number: 16113323
Application Type: Utility
Filing Date: 2018-08
Publication Date: 2019-06
Patent Classification: ["705", "044000"]

Abstract:
A permissions management system is disclosed for enabling a user to securely authorize a third-party system to access user account data and initiate transactions related to a user account, without disclosing to the third-party system account credentials. The system enables the user to also securely de-authorize the third-party system. For example, records may be automatically generated that securely store account information, including one or more permissions related to the account and/or the third-party. A token associated with a record may be shared with the third-party system, but neither the record itself, nor the user account credentials, may be shared with the third-party. Accordingly, the third-party may request user account data and/or initiate transactions by providing the token, but does not itself know, e.g., the user account credentials. Further, the user may set various permissions related to the token, and may also revoke the token (e.g., de-authorize the third-party), thus providing increased security to the user's account.

Claim (Index 2):
A system comprising:\n a first computing device; and a second computing device separate from the first computing device, wherein:\n the first computing device is configured to communicate with the second computing device, a third computing device associated with an external application, and a fourth computing device associated with an institution; \n the second computing device is configured to communicate with the first computing device, the third computing device, and the fourth computing device; \n the first computing device is further configured to:\n receive, from the third computing device, an authorization request including an indication of a user account; \n retrieve, from the fourth computing device associated with the institution, information associated with the user account held by the institution; \n generate at least:\n an electronic record of the information, and \n a token associated with the electronic record; \n \n cause at least one of a unique identifier associated with the token or the token to be provided to the third computing device; and \n provide, to the second computing device, at least:\n the electronic record of the information, and \n the token associated with the electronic record; and \n \n \n the second computing device is further configured to:\n receive, from the first computing device, at least:\n the electronic record of the information, and \n the token associated with the electronic record; \n \n receive, from the third computing device, at least:\n the at least one of the unique identifier associated with the token or the token, and \n a request to cause a transaction related to the user account to be executed; \n \n verify, based at least in part on the at least one of the unique identifier associated with the token or the token, authorization of the third computing device to cause the transaction to be executed; \n initiate the transaction via communication with the fourth computing device or another institution or transaction processor, \n whereby the third computing device is enabled to cause transactions related to the user account to be executed without sharing the information with the third computing device.

Metadata:
- Claim Count in Document: 51.0
- Percentile: 96.0
- Lexical Diversity: 2.45205
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15258262', '15258256', '16003640', '14722793', '15706337']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1082684044382502
- 35 USC 102 Novelty (BERT): 0.5580408113386977
- Combined Prediction Score: 0.153245645128295
- Mean Citation Score: 323.597398
- Max Citation Score: 420.72406
- Similarity Product: 385.78211905325406

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