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 2):
The process of  claim 1 , further comprising:\n always delivering transaction-approved data messages by executing an algorithm for answering a payment authorization transaction request data message if an underlying transaction amount included in payment authorization transaction request data messages is less than a predetermined minimum amount that is stored as data in a smart agent data structure for a specific cardholder.

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): 0.1108592252611021
- 35 USC 102 Novelty (BERT): 0.5230708022633872
- Combined Prediction Score: 0.1520803829613306
- Mean Citation Score: 270.399262
- Max Citation Score: 290.41187
- Similarity Product: 223.0010405299473

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