PATENT CLAIM ANALYSIS

Application Number: 15975441
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2019-11
Patent Classification: ["705", "044000"]

Abstract:
Systems and methods are provided for managing a cash advance service associated with a payment account of a user. An exemplary method may include providing, to a device of the user, instructions to display an application interface, the application interface receiving user requests to enable and disable the cash advance service. The method may also include receiving, through the application interface, a request to enable the cash advance service. The method may further include associating a transaction rule with the payment account, the transaction rule defining a condition upon which approval of a cash advance transaction is permitted. The method may further include receiving a cash advance transaction authorization request associated with the payment account. The method may further include approving the cash advance transaction authorization request when the condition is met and declining the cash advance transaction authorization request when the condition is not met.

Claim (Index 20):
A non-transitory computer-readable medium storing instructions executable by a processor to cause the processor to perform operations for managing a cash advance service associated with a payment account of a user, the operations comprising:\n providing, to a device of the user, instructions to display an application interface, the application interface receiving user requests to enable and disable the cash advance service; receiving a first cash advance transaction authorization request from a computing device associated with the payment account; determining, responsive to the cash advance transaction authorization request, whether a cash advance service is enabled, responsive to a determination that the cash advance service is not enabled, declining the cash advance transaction authorization request and providing, to a device of the user, instructions to display an application interface, the application interface receiving user requests to enable and disable the cash advance service; receiving, through the application interface, a request to enable the cash advance service; in response to the request to enable the cash advance service, associating a transaction rule with the payment account, the transaction rule defining a condition upon which approval of a cash advance transaction is permitted, the condition specifying a window of time; receiving a second cash advance transaction authorization request from a computing device associated with the payment account; temporarily enabling the cash advance service; determining, responsive to the second cash advance transaction authorization request, whether the transaction rule is satisfied, the transaction rule being satisfied when the cash advance transaction authorization request is received before an expiration of the window of time, the window of time being a predetermined duration; approving the cash advance transaction authorization request when the transaction rule is satisfied; declining the cash advance transaction authorization request when the transaction rule is not satisfied; transmitting the determination to the computing device; and reverting the cash advance service to a default setting.

Metadata:
- Claim Count in Document: 45.0
- Percentile: 93.0
- Lexical Diversity: 2.72414
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15870834', '15926827', '13283372', '14547453', '13732977']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1183225954848804
- 35 USC 102 Novelty (BERT): 0.5062922968532122
- Combined Prediction Score: 0.1571195656217136
- Mean Citation Score: 249.27568800000003
- Max Citation Score: 299.16592
- Similarity Product: 235.5979658541584

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

Dataset: test