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 8):
An automatic account management policy creation method comprising:\n receiving, at a processor, 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; receiving, at the processor, second account state data for a second network-accessible account associated with the account holder, the second account data including a second value held in the second network-accessible account; automatically determining, by the processor, a first transfer of value for execution between the first network-accessible account and the second network-accessible account, the executing including issuing a command to at least one of the first network-accessible account and the second network-accessible account through a network interface, the transfer including at least one transfer characteristic and causing a change in the first value and a 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 automatically executing, by the processor, the transfer of value between the first network-accessible account and the second network-accessible account; storing, by the processor, data describing the change in the first value in a first account data record in at least one memory; storing, by the processor, data describing the change in the second value in a second account data record in at least one memory; detecting, by the processor, a user-initiated transfer of value involving at least one of the first network-accessible account and the second network-accessible account; 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; automatically generating, by the processor, a transfer policy 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; storing, by the processor, the transfer policy in the at least one memory; and automatically executing, by the processor, a second transfer of value between the first network-accessible account and the second network-accessible account according to the modified transfer policy, the executing including issuing a second command to at least one of the first network-accessible account and the second network-accessible account through the network interface according to the 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): 0.1052661242667706
- 35 USC 102 Novelty (BERT): 0.4570649488797476
- Combined Prediction Score: 0.1404460067280683
- Mean Citation Score: 141.309754
- Max Citation Score: 143.78093
- Similarity Product: 111.24461658817827

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