PATENT CLAIM ANALYSIS

Application Number: 15894308
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-06
Patent Classification: ["709", "206000"]

Abstract:
A financial messaging apparatus configured to encapsulate and transmit a financial message along with actions to a mobile device. The actions relate to rules that are associated with characteristics of the financial message.

Claim (Index 1):
A financial messaging apparatus configured to encapsulate a financial message, the apparatus comprising:\n a network interface configured to receive a financial message generated by a bank; a non-transitory computer readable medium configured to store a rule database, wherein the rule database includes rules specifying actions to be added to financial messages based upon characteristics of the financial messages; a processor configured to:\n analyze the received financial message to identify at least one characteristic of the received financial message; \n identify at least one rule in the rule database matching at least one of the at least one identified characteristics of the received financial message; \n combine at least one action specified by the identified at least one rule with the financial message to form an encapsulated financial message; and \n identify a user associated with the received financial message; and \n the network interface further configured to transmit the encapsulated financial message to the identified user, wherein:\n the action stored in the encapsulated financial message include a routing rule specifying criteria for routing of the encapsulated financial message; \n the routing rule specifies at least one preferred location for routing the encapsulated financial message through or at least one prohibited location for routing the encapsulated financial message through; \n the encapsulated financial message is prevented from being routed through the at least one prohibited location; \n the network interface transmits the encapsulated financial message to the identified user through the at least one preferred location if routing through the at least one preferred location is available; and \n the network interface does not transmit the encapsulated financial message through the at least one prohibited location.

Metadata:
- Claim Count in Document: 47.0
- Percentile: 88.0
- Lexical Diversity: 1.34615
- Patent Class: 709.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14489509', '11153095', '13870776', '13412362', '15591717']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.2611518098683249
- 35 USC 102 Novelty (BERT): 0.519008925744398
- Combined Prediction Score: 0.2869375214559322
- Mean Citation Score: 199.945566
- Max Citation Score: 345.66934
- Similarity Product: 337.5689922606396

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

Dataset: test