PATENT CLAIM ANALYSIS

Application Number: 15979303
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-11
Patent Classification: ["705", "044000"]

Abstract:
Code, methods, and systems for monitoring, accepting and rejecting financial transactions and credit inquiries associated with a user payment card is disclosed. The system receives user data for a user. The system integrates with a first financial network associated with payment card data of the user such that the first financial network sends a first financial network request for user authorization for each initiated financial transaction. The system determines the customer record associated with the first financial network request. The system displays a first GUI requesting a user approval of the initiated financial transaction associated with the financial network request for user authorization. The system receives first input data from a remote computing device corresponding to a financial transaction authorization message or a financial transaction denial message. The system transmits the first financial network a message denying or accepting the initiated financial transaction.

Claim (Index 7):
The non-transitory computer readable medium of  claim 6 , wherein the first GUI includes a graphical countdown indicating remaining time for providing the first input data after the user approval request message has been transmitted to the remote computing device.

Metadata:
- Claim Count in Document: 42.0
- Percentile: 93.0
- Lexical Diversity: 2.63793
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['13097255', '12267237', '11755670', '12267117', '13094143']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1468659775915793
- 35 USC 102 Novelty (BERT): 0.5222440068865647
- Combined Prediction Score: 0.1844037805210778
- Mean Citation Score: 308.174432
- Max Citation Score: 316.67883
- Similarity Product: 183.95445186019785

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