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 19):
The method of  claim 3  wherein the plurality of constraints are displayed to the cardholder on a browser.

Metadata:
- Claim Count in Document: 49.0
- Percentile: 99.0
- Lexical Diversity: 1.72464
- Patent Class: 235.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['12130143', '13527449', '11747659', '10093002', '12257766']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6930273340425502
- 35 USC 102 Novelty (BERT): 0.5294218282236585
- Combined Prediction Score: 0.6766667834606611
- Mean Citation Score: 361.975652
- Max Citation Score: 404.89856
- Similarity Product: 248.15654287200925

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