PATENT CLAIM ANALYSIS

Application Number: 15973419
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-11
Patent Classification: ["705", "064000"]

Abstract:
A financial transaction system between a customer and a financial institution that facilitates use of a mobile wireless device at an ATM in lieu of an ATM card provides for a central system, a portable wireless device of the customer, an automated teller machine (ATM), an ATM identification on an ATM identification tag. The portable wireless device has an interface that is able to read the ATM identification. The central system, the portable wireless device, and the ATM communicate on a global computer network and the portable wireless device is used to conduct a financial transaction with the ATM in lieu of a bankcard of the financial institution.

Claim (Index 5):
A system for interfacing by a customer with an ATM for a financial transaction, comprising:\n a central system for managing operations of ATMs of a financial institution, wherein the central system has a CPU, a memory, a logic stored in the memory and operating in the CPU, and a database server, wherein by the database server in a database pre-storing customer electronic addresses of select customers; an ATM, wherein the ATM has a printing mechanism and an ATM logic, wherein the ATM logic controls the printing mechanism for printing a receipt for a financial transaction; the central system logic sends, over a global computer network, a record to the ATM logic for suppressing printing of a transaction receipt for a transaction conducted by the select customers at the ATM; and the central system logic sending electronically the transaction record to the select customers via the pre-stored customer electronic address.

Metadata:
- Claim Count in Document: 15.0
- Percentile: 93.0
- Lexical Diversity: 2.26923
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['12928712', '12928717', '10046834', '12928741', '12928727']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1454439559671344
- 35 USC 102 Novelty (BERT): 0.5437011341291852
- Combined Prediction Score: 0.1852696737833395
- Mean Citation Score: 375.750836
- Max Citation Score: 419.32257
- Similarity Product: 314.93081463891497

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