PATENT CLAIM ANALYSIS

Application Number: 16008954
Application Type: Utility
Filing Date: 2018-06
Publication Date: 2019-02
Patent Classification: ["726", "016000"]

Abstract:
Among other things, first and second sets of authentication credentials are used to access respectively data about a first set of one or more accounts from a first source and data about the one or more of the second accounts from the a second source. The data are analyzed to identify (a) one account of the first set of one or more accounts and (b) the one of the one or more of the second accounts as possibly a single account. After information is presented to a user an indication is received from the user that they are a single account. For a computation that requires data about the single account, data from the first source or data from the second source or data from both are used, based on a predefined computational rule.

Claim (Index 11):
A method comprising\n receiving from a user, first credentials for access to a credit card account maintained by a bank for the user, receiving from the user, second credentials for access to credit bureau information about a credit card account of the user, applying the first credentials to obtain a current balance on the credit card account maintained by the bank, and applying the second credential to obtain the current balance of the credit card account of the user in the credit bureau information, inferring from the current balance on the credit card account maintained by the bank and the current balance on the credit card account in the credit bureau information that the two credit card accounts are the same account, storing, based on an ontology of data concepts, an internal data value that represents the matching relationship of the credit card account in the credit bureau information and the credit card account at the bank, and executing a computational rule that uses a credit card account balance received from the bank, interpreted according to a data concept of the ontology, when the credit card account balance is available from the bank, and uses a credit card account balance received in the credit bureau information when the credit card account balance is not available from the bank.

Metadata:
- Claim Count in Document: 23.0
- Percentile: 94.0
- Lexical Diversity: 2.54386
- Patent Class: 726.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15681482', '13113518', '11256404', '11372588', '12040802']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.222244414357169
- 35 USC 102 Novelty (BERT): 0.51540030009571
- Combined Prediction Score: 0.2515600029310231
- Mean Citation Score: 183.227272
- Max Citation Score: 310.1583
- Similarity Product: 220.95284116094112

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

Dataset: test