PATENT CLAIM ANALYSIS

Application Number: 16403400
Application Type: Utility
Filing Date: 2019-05
Publication Date: 2019-08
Patent Classification: ["705", "044000"]

Abstract:
An access management system includes a database configured to store access data including account identifiers and accessor identifiers, wherein the access data indicates particular accounts that have been accessed by particular accessors. The access management system also includes a computer system that receives a reservation request comprising an account identifier and an accessor identifier and determines whether the account identifier is included in the database. The computer system also determines, in response to the account identifier being present in the database, whether the access data correlates the account identifier to the accessor and authorizes the reservation of the one or more resources in the account by the accessor in response to the access data correlating the account identifier to the accessor.

Claim (Index 1):
A transaction processing system comprising:\n a database configured to store:\n accessor data including credit card numbers and merchant identifiers, wherein the accessor data indicate which of the merchant identifiers correspond to merchants that are authorized to receive payment using which credit card numbers; and \n restriction templates including merchant categories and purchase restrictions, wherein the restriction templates indicate which purchase restrictions apply to which merchant categories; and \n an authorization system including one or more processors and one or more computer-readable media storing instructions that, when executed by the one or more processors, cause the authorization system to perform operations comprising:\n receiving a transaction request identifying a credit card number and a merchant; \n determining whether the identified merchant is authorized to receive payment using the identified credit card number based on the accessor data; \n selecting one of the restriction templates to apply to the transaction request based on the identified merchant, the selected restriction template including one or more purchase restrictions; \n determining whether the transaction request satisfies the purchase restrictions of the selected restriction template; and \n responsive to determining that the identified merchant is authorized to receive payment using the identified credit card number and that the transaction request satisfies the purchase restrictions of the selected restriction template, authorizing the transaction request.

Metadata:
- Claim Count in Document: 9.0
- Percentile: 100.0
- Lexical Diversity: 2.35185
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['12902399', '11005593', '13071158', '11285053', '15955065']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1225452568276815
- 35 USC 102 Novelty (BERT): 0.4453461403330572
- Combined Prediction Score: 0.1548253451782191
- Mean Citation Score: 152.15506999999997
- Max Citation Score: 153.84787
- Similarity Product: 132.1456501112807

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

Dataset: test