PATENT CLAIM ANALYSIS

Application Number: 15923655
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2019-09
Patent Classification: ["705", "040000"]

Abstract:
A processor may receive first account state data for a first account associated with an account holder and second account state data for a second account associated with the account holder. The processor may automatically cause a transfer of value between the first account and the second account, the transfer causing a change in the first account's value and a change in the second account's value. The processor may detect a user-initiated transfer of value involving at least one of the first account and the second account. Using a reinforcement learning algorithm, the processor may evaluate the automatically-executed transfer of value and the user-initiated transfer of value to determine an effect of the automatically-executed transfer of value. The processor may store and/or modify a transfer policy in the at least one memory according to the effect of the automatically-executed transfer of value.

Claim (Index 14):
An automatic account management system comprising:\n at least one account server configured to:\n store first account state data for a first network-accessible account associated with an account holder, the first account data including a first value held in the first network-accessible account; \n store second account state data for a second network-accessible account associated with the account holder, the second account data including a second network-accessible value held in the second account; and \n execute transfers of value causing changes in the first value and/or the second value; and \n at least one account optimization apparatus comprising:\n a processor; and \n a non-transitory computer readable memory configured to store a transfer policy and instructions that, when executed by the processor, cause the processor to perform processing comprising:\n automatically issuing a command to the at least one account server directing the at least one account server to execute a first transfer of value between the first network-accessible account and the second network-accessible account, the first transfer including at least one transfer characteristic defined by the transfer policy and causing a change in the first value and a change in the second value, wherein the at least one account server stores data describing the change in the first value and data describing the change in the second value, the at least one transfer characteristic defining at least one of:\n a first frequency at which the processor automatically executes the transfer of value, \n a first timing at which the processor automatically executes the transfer of value, and \n the value of the first transfer; \n \n detecting a user-initiated transfer of value involving at least one of the first network-accessible account and the second network-accessible account; \n automatically applying, by the processor, a reinforcement learning algorithm to determine an effect of the automatically-executed first transfer of value, wherein the reinforcement learning algorithm determines the effect by evaluating states of the first network-accessible account and the second network-accessible account before and after the automatically executed first transfer of value and the user-initiated transfer of value; \n automatically storing or modifying the transfer policy in the memory to change the at least one transfer characteristic according to the effect of the automatically-executed first transfer of value, the change in the at least one transfer characteristic being configured to increase an overall account value; and \n automatically issuing a second command to the at least one account server directing the at least one account server to execute a second transfer of value between the first network-accessible account and the second network-accessible account according to the stored or modified transfer policy, the transfer causing a further change in the first value and a further change in the second value.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 90.0
- Lexical Diversity: 2.96078
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15666308', '13472016', '14528446', '14467567', '15237340']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1058499972444261
- 35 USC 102 Novelty (BERT): 0.4513686114625861
- Combined Prediction Score: 0.1404018586662421
- Mean Citation Score: 141.309754
- Max Citation Score: 143.78093
- Similarity Product: 115.90486016017796

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