PATENT CLAIM ANALYSIS

Application Number: 16059907
Application Type: Utility
Filing Date: 2018-08
Publication Date: 2018-12
Patent Classification: ["705", "034000"]

Abstract:
A dynamic personalizable automated finance management system that provides a financial management platform that enables users to easily generate a plurality of customized rules or conditions associated with one or more accounts thereby creating account plans that intelligently and passively execute the transfer of funds among accounts. The rules with a plan are able to define if, how much, when and where to transfer money to and from the accounts based on user entered criteria or triggers upon which the rules/conditions are based.

Claim (Index 22):
The system of  claim 21 , wherein the primary condition comprises one or more exception conditions that each define a set of criteria where a transfer of the primary quantity of money to the destination account as defined by the primary condition is not to be performed, and further wherein each of the sets of criteria comprise a monitored variable, one or more valid variable values and a contingent alternative transfer amount metric that determines a contingent alternative quantity of money from the source account that is to be transferred if the exception condition is met;\n wherein the evaluating if the set of criteria of any of the exceptions is currently satisfied comprises determining if a current value of the monitored variable matches at least one of the valid variable values; and further wherein dynamic financial management servers are operable to: for each of the exceptions that are currently satisfied, calculate the contingent alternative quantity of money based on the contingent alternative transfer amount metric and automatically initiate the transfer of the contingent alternative quantity of money from the source account to the destination account according to the exception of the account rule.

Metadata:
- Claim Count in Document: 170.0
- Percentile: 96.0
- Lexical Diversity: 1.38095
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14878857', '09903284', '12433272', '11554823', '14098844']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1189000261079
- 35 USC 102 Novelty (BERT): 0.6076017409894676
- Combined Prediction Score: 0.1677701975960568
- Mean Citation Score: 252.905778
- Max Citation Score: 534.49896
- Similarity Product: 499.0656428270674

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