PATENT CLAIM ANALYSIS

Application Number: 16165708
Application Type: Utility
Filing Date: 2018-10
Publication Date: 2019-02
Patent Classification: ["705", "038000"]

Abstract:
Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.

Claim (Index 22):
A system for providing personal payment transactions comprising:\n a processor; and a storage device storing instructions that, when executed by the processor, cause the system to perform operations comprising:\n generating a first interface for a payer to effect a personal payment transaction using a payer client device; \n sending the first interface to the payer client device via a network; \n receiving, from the payer via the first interface, identification of at least one payee; \n generating a second interface including one or more options to fund the payment from the payer to the identified at least one payee; \n sending the second interface to the payer client device via the network; \n receiving, from the payer via the second interface, identification of a funding source; \n generating a third interface including one or more payment routing options for the payer to route the payment; \n sending the third interface to the payer client device via the network; \n receiving, from the payer via the third interface, identification of a route; \n generating a fourth interface including a notice of the personal payment transaction, the notice including at least one of the identified at least one payee, the identified funding source, and the identified route; and \n sending the fourth interface to a client device associated with the at least one identified payee, \n wherein at least one of the first, second, and third interfaces is generated as either a voice input interface or a manual input interface based on a technology skill level of the payer.

Metadata:
- Claim Count in Document: 53.0
- Percentile: 97.0
- Lexical Diversity: 2.25455
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14109017', '14108808', '14108926', '10229959', '11428874']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1145498219679032
- 35 USC 102 Novelty (BERT): 0.5575534392062073
- Combined Prediction Score: 0.1588501836917336
- Mean Citation Score: 314.427836
- Max Citation Score: 429.24396
- Similarity Product: 356.8156221949625

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