PATENT CLAIM ANALYSIS

Application Number: 15960997
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2019-10
Patent Classification: ["705", "044000"]

Abstract:
The disclosed embodiments provide systems, methods, and techniques for securely linking financial accounts in order to enable the transfer of funds and the monitoring of activity in the linked accounts. A request to link a first account with a second account may be received from an interface of a user device. An authorization may be received to link the first account with the second account. A transfer request may be received, including a request to transfer funds from the first account to the second account based on a set of transfer rules. The second account may be monitored for qualifying transactions, and upon determining that a qualifying transaction has occurred, funds may be transferred from the first account to the second account based on the transfer rules from the first account to the second account.

Claim (Index 33):
The system of  claim 21 , wherein the operations further comprise:\n declining the withdrawal request prior to the expiration of the predetermined time period after the transfer date.

Metadata:
- Claim Count in Document: 5.0
- Percentile: 91.0
- Lexical Diversity: 2.45763
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['11698703', '09665919', '11698702', '12560112', '11698468']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1354101943824808
- 35 USC 102 Novelty (BERT): 0.5264003184314163
- Combined Prediction Score: 0.1745092067873743
- Mean Citation Score: 259.079384
- Max Citation Score: 266.70673
- Similarity Product: 114.22503006009696

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

Dataset: test