PATENT CLAIM ANALYSIS

Application Number: 16138494
Application Type: Utility
Filing Date: 2018-09
Publication Date: 2019-01
Patent Classification: ["705", "026410"]

Abstract:
A system and method in accordance with example embodiments may include third party payments with non-integrated merchants. A system and method in accordance with example embodiments may utilize a plug in or application to intercept retailer data from a third party, analyze data, and present information to a customer based on the intercepted data and the analysis.

Claim (Index 13):
A system comprising:\n one or more processors; and memory comprising instructions that, when executed by the one or more processors, cause the system to:\n receive, from a browser widget linked to a customer account associated with a customer device, intercepted retailer data comprising a transaction amount associated with one or more items or services to be purchased from a third-party website associated with a merchant system; \n determine, based at least in part on the retailer data and account data associated with the customer account, that the customer account is eligible for a non-integrated payment option associated with the system, the non-integrated payment option comprising one or more payment methods not offered by the third-party website and the system being independent from and unassociated with the merchant system; \n generate, for display on a display of the customer device, a selectable option associated with paying the transaction amount via the non-integrated payment option; and \n responsive to the browser widget receiving, from the customer device, an indication of acceptance of the selectable option:\n transmit, to the browser widget, instructions to generate, for display on the display of the customer device, a message indicative of a sufficient balance of funds for payment with the non-integrated payment option and a potential impact on a status associated with the non-integrated payment option; and \n transmit, to the merchant system, payment for purchase of the one or more items or services to be purchased from the third-party website.

Metadata:
- Claim Count in Document: 38.0
- Percentile: 97.0
- Lexical Diversity: 1.64865
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14206305', '14132508', '14290260', '13197279', '13089313']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1098099468113925
- 35 USC 102 Novelty (BERT): 0.5348696623960074
- Combined Prediction Score: 0.1523159183698541
- Mean Citation Score: 225.096786
- Max Citation Score: 381.65088
- Similarity Product: 322.34193211595533

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