PATENT CLAIM ANALYSIS

Application Number: 16403400
Application Type: Utility
Filing Date: 2019-05
Publication Date: 2019-08
Patent Classification: ["705", "044000"]

Abstract:
An access management system includes a database configured to store access data including account identifiers and accessor identifiers, wherein the access data indicates particular accounts that have been accessed by particular accessors. The access management system also includes a computer system that receives a reservation request comprising an account identifier and an accessor identifier and determines whether the account identifier is included in the database. The computer system also determines, in response to the account identifier being present in the database, whether the access data correlates the account identifier to the accessor and authorizes the reservation of the one or more resources in the account by the accessor in response to the access data correlating the account identifier to the accessor.

Claim (Index 18):
A non-transitory computer-readable medium storing instructions that, when executed by a transaction processing system, cause the transaction processing system to perform operations comprising:\n receiving a transaction request identifying a credit card number and a merchant; searching a set of restriction templates for a specific template for the identified merchant; responsive to the set of restriction templates not including a specific template for the identified merchant:\n identifying a category of the identified merchant; and \n selecting a general template corresponding to the category of the identified merchant, the general template including one or more purchase restrictions. \n determining whether the transaction request satisfies the purchase restrictions of the general template; and responsive to determining that the transaction request satisfies the purchase restrictions of the selected restriction template, authorizing the transaction request.

Metadata:
- Claim Count in Document: 9.0
- Percentile: 100.0
- Lexical Diversity: 2.35185
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['12902399', '11005593', '13071158', '11285053', '15955065']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1208591889236123
- 35 USC 102 Novelty (BERT): 0.4600071077035151
- Combined Prediction Score: 0.1547739808016026
- Mean Citation Score: 152.15506999999997
- Max Citation Score: 153.84787
- Similarity Product: 118.71044825188636

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

Dataset: test