PATENT CLAIM ANALYSIS

Application Number: 15975467
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2019-11
Patent Classification: ["705", "044000"]

Abstract:
Systems and methods are provided for managing foreign transactions. An exemplary method may include providing, to a device of the user, instructions to display an application interface. The application interface may receive user requests to specify a foreign geographical area and to enable and disable the foreign transaction service in the foreign geographical area. The method may also include receiving, through the application interface, a request to enable the foreign transaction service. The method may include associating a transaction rule with the payment account. The transaction rule may define a condition upon which approval of a foreign transaction is permitted. The method may also include receiving a foreign transaction authorization request associated with the payment account. The method may also include approving the foreign transaction authorization request when the condition is met and declining the foreign transaction authorization request when the condition is not met.

Claim (Index 20):
A non-transitory computer-readable medium storing instructions executable by a processor to cause the processor to perform operations for managing a foreign transaction service associated with a payment account of a user, the operations comprising:\n providing, to a device of the user, instructions to display an application interface, the application interface receiving user requests to specify a foreign geographical area and to enable the foreign transaction service in the foreign geographical area, wherein the foreign transaction service is disabled by default; receiving a transaction authorization request associated with the payment account; determining whether the transaction authorization request is initiated at a travel portal based on merchant information associated with the transaction authorization request; responsive to a determination that the transaction authorization request is initiated at a travel portal, providing, to the user device, instructions to display the application interface receiving user requests to specify the foreign geographical area and to enable the foreign transaction service in the foreign geographical area; receiving, through the application interface, a request to enable the foreign transaction service in the foreign geographical area; in response to the enable request, associating a transaction rule with the payment account, the transaction rule defining a condition upon which approval of a foreign transaction is permitted in the foreign geographical area; receiving a foreign transaction authorization request associated with the payment account; approving the foreign transaction authorization request when the condition is met; and declining the foreign transaction authorization request when the condition is not met; wherein the condition specifies a window of time within which foreign transactions are permitted, the time window being configurable for at least a plurality of days; wherein the operations further comprise resetting the condition after a single foreign transaction is approved to use the condition for subsequent foreign transactions.

Metadata:
- Claim Count in Document: 2.0
- Percentile: 93.0
- Lexical Diversity: 2.53226
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15975441', '15870834', '10155332', '15926827', '13732977']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1237545773788407
- 35 USC 102 Novelty (BERT): 0.5243347954753813
- Combined Prediction Score: 0.1638125991884948
- Mean Citation Score: 277.40475200000003
- Max Citation Score: 356.72964
- Similarity Product: 309.55803097759724

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