PATENT CLAIM ANALYSIS

Application Number: 15968095
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-08
Patent Classification: ["705", "035000"]

Abstract:
Methods and systems are provided for processing a transaction between a first party and a second party. Information defining terms of the transaction and identifying a presentation instrument are received at a host system. Preference information associated with the presentation instrument is retrieved with the host system. The preference information specifies terms for an allocation of transaction amounts among multiple transaction types. An amount for the transaction is allocated among the transaction types in accordance with terms of the transaction and the terms for the allocation.

Claim (Index 39):
The computer program product for the customer to conduct the purchase transaction at the POS device of claim  44 , the computer program product further comprising processor-readable instructions configured to cause the processor to:\n determine to guarantee the purchase transaction at least partially based on a statistical or modeling technique used without first accessing the payment account of the customer to determine that a sufficient balance is present to support the purchase transaction.

Metadata:
- Claim Count in Document: 17.0
- Percentile: 93.0
- Lexical Diversity: 1.97826
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13426046', '11677960', '12353118', '12167034', '10767365']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1354098392555789
- 35 USC 102 Novelty (BERT): 0.5249206122391898
- Combined Prediction Score: 0.17436091655394
- Mean Citation Score: 259.215442
- Max Citation Score: 350.7784
- Similarity Product: 262.9772527202606

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

Dataset: test