PATENT CLAIM ANALYSIS

Application Number: 16119947
Application Type: Utility
Filing Date: 2018-08
Publication Date: 2018-12
Patent Classification: ["705", "066000"]

Abstract:
A system or method may be provided to implement dynamic hybrid wallet tokens. The method can includes determining to generate a hybrid wallet token based on a user request for a transaction at a user device. The method includes determining, based on a transaction type of the transaction, non-payment information of a user associated with the user device. The method includes generating a hybrid wallet token for use with a payment account associated with the user, where the generating is based on the authorization token and on the transaction type, the hybrid wallet token comprising information indicating a funding instrument associated with the user, the hybrid wallet token further comprising the non-payment information. The method also includes providing the wallet token to the user device for implementing the transaction.

Claim (Index 5):
The system of  claim 1 , wherein the non-payment information comprises identity information including one or more of a name, an age, an address, a funding source, a loyalty program, a social networking account, an online affiliation, healthcare information, insurance information, a government issued identification, a shipping address, a coupon, shopping preferences, tipping preferences, purchase history, and other user preferences.

Metadata:
- Claim Count in Document: 36.0
- Percentile: 96.0
- Lexical Diversity: 2.62264
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14024605', '13617529', '13663561', '14526306', '14452829']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1052488335785385
- 35 USC 102 Novelty (BERT): 0.5007397028688166
- Combined Prediction Score: 0.1447979205075663
- Mean Citation Score: 217.91898
- Max Citation Score: 230.32803
- Similarity Product: 153.71513431529758

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

Dataset: test