PATENT CLAIM ANALYSIS

Application Number: 15877358
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-05
Patent Classification: ["235", "384000"]

Abstract:
A user captures an image of a payment card via a user computing device camera. An optical character recognition system receives the payment card image from the user computing device. The system performs optical character recognition and visual object recognition algorithms on the payment card image to extract text and visual objects from the payment card image, which are used by the system to identify a payment card type. The system may categorize the payment card as a credit card or a non-credit card. In an example embodiment, the system determines that the payment card type is a credit card and transmits fee structure to the user. The user selects a second payment card for use in the transaction and the transaction is processed using financial account information associated with the second payment card.

Claim (Index 35):
A system to select cards, comprising:\n a storage device; and a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to:\n recognize one or more text objects and one or more visual features in an image of a first card; \n extract the one or more recognized text objects and the one or more recognized visual features from the image of the first card; \n determine based on the one or more extracted text objects and the one or more extracted visual features of the image of the first card, a categorical designation for the first card, the categorical designation comprising an processing system identifier and a card type; \n receive, from the user computing device, a first input of a selection of the first card; \n in response to receiving the first input of the selection of the first card, retrieve a data structure associated with a processing system for the card type identifying one or more associated values for the determined card type; \n transmit, to the user computing device, the retrieved data structure and a request for a second input selecting a second card other than the selected first card, wherein the data structure and the request are displayed via the user computing device; \n receive, from the user computing device, an input of a selection of the second card at a time after transmitting the retrieved data structure and the request for the second input selecting the second card other than the selected first card; and \n transmit, to a processing system associated with the second card, a request comprising information associated with the selected second card.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 86.0
- Lexical Diversity: 2.08824
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14551991', '14551883', '15139295', '14525152', '15457946']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6203952063908935
- 35 USC 102 Novelty (BERT): 0.5220683490515184
- Combined Prediction Score: 0.610562520656956
- Mean Citation Score: 315.6459220000001
- Max Citation Score: 380.07077
- Similarity Product: 292.0977640127164

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

Dataset: test