PATENT CLAIM ANALYSIS

Application Number: 15758362
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2019-01
Patent Classification: ["705", "035000"]

Abstract:
System of the present disclosure enables execution of assured financial transactions, and comprises a user registration module configured to retrieve actual available balance of users' bank account; an assured receivables module configured to receive one or more future assured receivables for said bank account, each of said one or more future assured receivables indicating an assured irrevocable amount that would be credited to the bank account at a defined future receivables date; an assured payables module configured to receive, from said user, one or more assured future payables to be processed, each of said one or more future assured payables indicating an assured irrevocable amount that would be debited at a defined future payables date; and an assured pay balance computation module configured to compute an assured balance based on said actual available balance in the bank account, said one or more assured receivables, and said one or more assured payables.

Claim (Index 10):
A method comprising:\n registering, at a server, a user by receiving information pertaining to a bank account and retrieving actual available balance of said bank account; receiving, at said server, from a second set of users, one or more future assured receivables for said bank account, each of said one or more future assured receivables indicating an assured irrevocable amount that would be credited to the bank account at a defined future receivables date; receiving, at said server, from said user, one or more assured future payables to be processed from said bank account to a third set of users, each of said one or more future assured payables indicating an assured irrevocable amount that would be debited from said bank account at a defined future payables date; and computing, at said server, in real-time, an assured balance for said bank account based on said actual available balance in the bank account, said one or more assured receivables, and said one or more assured payables, wherein said user is allowed to pre-claim at least a part of the one or more assured receivables before said part of said one or more assured receivables is actually credited to the bank account.

Metadata:
- Claim Count in Document: 4.0
- Percentile: 90.0
- Lexical Diversity: 2.76271
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: True
- Related Applications: ['14098736', '14098698', '14098844', '12424241', '11132067']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1335676278001201
- 35 USC 102 Novelty (BERT): 0.5055120290320607
- Combined Prediction Score: 0.1707620679233142
- Mean Citation Score: 281.948658
- Max Citation Score: 296.52045
- Similarity Product: 226.4703794975817

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

Dataset: test