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 10):
An artificial-intelligence based, electronic computer implemented process for reversing an automated decision to decline a financial action request by using a smart agent data structure instead of historical data in a database, comprising:\n electronically summarizing profit values of past business transactions generated solely by an individual payment card that executes an algorithm of the smart agent data structure that collects together past business transactions generated solely by an individual payment card and stores a individualized spending profile; summarizing and recording particular purchasing patterns that executes an algorithm of the smart agent data structure that recognizes a purchasing pattern that is compatible and expected based the individualized spending profile; summarizing and recording configurational characteristics that executes an algorithm of the smart agent data structure that recognizes the distinctive characteristics of any user devices employed in the past business transactions ant that that stores a summary of user device recognitions; making a first comparison that executes an algorithm of the smart agent data structure that compares the behavior associated to the device; making a second comparison that executes an algorithm of the smart agent data structure that compares the click stream analytics of the device to similar activities; making a third comparison that executes an algorithm of the smart agent data structure that compares the configurational characteristics of the user devices employed in the past business transactions in the summary of user recognitions to that of an instant business transaction and places a stored result of the third comparison; overriding an automated preliminary transaction-declined decision by executing an algorithm of the smart agent data structure in which any overriding depends on a stored result obtained in any of the first, second, or third comparisons; and communicating by executing an algorithm of the smart agent data structure for transmitting a transaction-approve message through a corresponding financial network.

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): 0.110741194881858
- 35 USC 102 Novelty (BERT): 0.5248350786186996
- Combined Prediction Score: 0.1521505832555421
- Mean Citation Score: 270.399262
- Max Citation Score: 290.41187
- Similarity Product: 214.8903847358203

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

Dataset: test