PATENT CLAIM ANALYSIS

Application Number: 15979303
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-11
Patent Classification: ["705", "044000"]

Abstract:
Code, methods, and systems for monitoring, accepting and rejecting financial transactions and credit inquiries associated with a user payment card is disclosed. The system receives user data for a user. The system integrates with a first financial network associated with payment card data of the user such that the first financial network sends a first financial network request for user authorization for each initiated financial transaction. The system determines the customer record associated with the first financial network request. The system displays a first GUI requesting a user approval of the initiated financial transaction associated with the financial network request for user authorization. The system receives first input data from a remote computing device corresponding to a financial transaction authorization message or a financial transaction denial message. The system transmits the first financial network a message denying or accepting the initiated financial transaction.

Claim (Index 1):
A non-transitory computer readable medium storing computer readable program code which when executed on a server is configured for monitoring, authorizing and rejecting electronic financial transactions associated with a user payment card comprising:\n receiving from a remote computing device a plurality of user data for a user and storing the user data in a user record in an attached database, the attached database configured for storing a plurality of user records; determining payment card data associated with the user payment card and storing the payment card data in the corresponding user record; integrating with at least a first financial network associated with the payment card data such that at least the first financial network sends a financial network request for user authorization for each initiated financial transaction received by at least the first financial network; receiving, in real time, from at least the first financial network the financial network request for user authorization for each initiated financial transaction from at least the first financial network; determining, in real time, the user record associated with the financial network request for user authorization received; displaying, in real time, on the remote computing device of the user a first graphical user interface (GUI) requesting a user approval of the initiated financial transaction associated with the financial network request for user authorization; receiving in real time a plurality of first input data from the user received at the remote computing device, wherein the first input data corresponds to at least one of a financial transaction authorization message and a financial transaction denial message for the initiated financial transaction; and, transmitting, in real time, to at least the first financial network associated with the financial network request for user authorization received, at least one of the financial transaction authorization message and the financial transaction denial message for the initiated financial transaction.

Metadata:
- Claim Count in Document: 42.0
- Percentile: 93.0
- Lexical Diversity: 2.63793
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13097255', '12267237', '11755670', '12267117', '13094143']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1330610134966142
- 35 USC 102 Novelty (BERT): 0.5091861261821962
- Combined Prediction Score: 0.1706735247651724
- Mean Citation Score: 308.174432
- Max Citation Score: 316.67883
- Similarity Product: 263.4639000097293

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

Dataset: test