PATENT CLAIM ANALYSIS

Application Number: 16246257
Application Type: Utility
Filing Date: 2019-01
Publication Date: 2019-07
Patent Classification: ["235", "380000"]

Abstract:
An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.

Claim (Index 3):
A method comprising:\n receiving at an interface to a server computer, a cardholder selection of a combination of notification parameters from a cardholder, the notification parameters specifying constraints that will cause notifications to be sent to the cardholder when transaction details of transactions conducted by a card presenter match the constraints, wherein the constraints specified by the notification parameters are unrelated to authorization of the transactions; storing the cardholder selected notification parameters in a parameter table database; determining, with a subprocessor, that transaction details of a transaction conducted by the card presenter a POS terminal or an ATM terminal matches the constraints, the constraints being unrelated to authorization of the transaction; and sending a notification by the subprocessor to a device associated with the cardholder when the transaction details of the transaction conducted by the card presenter match the constraints specified by the notification parameters, the notification including the transaction details of the transaction, wherein the constraints are in a plurality of constraints, and wherein the plurality of constraints are displayed to the cardholder such that the cardholder is capable of selecting arbitrary combinations of the constraints.

Metadata:
- Claim Count in Document: 49.0
- Percentile: 99.0
- Lexical Diversity: 1.72464
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['12130143', '13527449', '11747659', '10093002', '12257766']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6656530741781156
- 35 USC 102 Novelty (BERT): 0.5295384404845086
- Combined Prediction Score: 0.6520416108087549
- Mean Citation Score: 361.975652
- Max Citation Score: 404.89856
- Similarity Product: 286.3103981161499

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

Dataset: test