PATENT CLAIM ANALYSIS

Application Number: 15879702
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-05
Patent Classification: ["705", "002000"]

Abstract:
An artificial-intelligence based, authorization data processing system and method that use networked electronic computers are provided. Included are one or more smart agent data structures tasked to individually follow past transaction data and behaviors, and to provide its artificial intelligence observations on the magnitude, type, and quality of payment card revenues and business routinely engaged in by the individual, e.g., a cardholder whose transaction request is pending. The computed level of acceptable transaction risk is raised in proportion to the cardholder's business value. As a further expedient, such quality cardholders may never be subject to a “declined transaction” if the requested payment transaction were less than some liberal minimum to meet an appropriate threshold level.

Claim (Index 5):
An artificial-intelligence based, electronic computer implemented process for using smart agent data structures instead of using historical data from a database, comprising:\n electronically categorizing some particular cardholder accounts as having a profit by executing an algorithm of the smart agent data structures that analyzes activities of business generated that was extracted from earlier transaction reports and compartmentally stored in profiles associated with an instant transaction; and electronically changing a transaction-declined message to a transaction-approved message if executing an algorithm of at least one smart agent data structure detects an instant transaction that involves a particular cardholder account categorized by the algorithm as having a profit.

Metadata:
- Claim Count in Document: 23.0
- Percentile: 86.0
- Lexical Diversity: 1.40217
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14525273', '12461289', '13531905', '14079711', '12888278']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1103877256090722
- 35 USC 102 Novelty (BERT): 0.5301243518115718
- Combined Prediction Score: 0.1523613882293221
- Mean Citation Score: 270.399262
- Max Citation Score: 290.41187
- Similarity Product: 190.55679022318245

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