PATENT CLAIM ANALYSIS

Application Number: 15990911
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-09
Patent Classification: ["235", "380000"]

Abstract:
An apparatus for commercial transactions using a transaction card via a communication device in audio communication with a remote processor assembly is provided. The apparatus comprises an input device for capturing information from the transaction card, a controller for converting the captured card information into an audio signal. The controller is linked to the communication device. The apparatus may also be part of an assembly wherein this controller is part of the communication device. The remote processor assembly includes a transaction server linked to a remote processor/issuer for validating the transaction card data. A system including this apparatus, the communication device and the transaction server is also provided. Methods therefore are also disclosed. The input device captures the card information that is converted to an audio signal by the controller and transmitted to the transaction server via the communication device for being converted to an appropriate signal to be transmitted to the remote processor/issuer for validation thereof. The validation information is sent back to the apparatus providing feedback to the user. The transaction server translates the signal received by the remote processor/issuer into an audio signal and sends it to the controller via the communication device for conversion to an appropriate format.

Claim (Index 21):
An apparatus for effecting a commercial transaction between an input device and a remote transaction server using a communication device, said apparatus comprising:\n an input device for capturing information stored on a payment device; a sensor incorporated into said input device for reading said information stored on said payment device; a controller coupled to said sensor for converting said information stored on said payment device into a format suitable for transmission to a communication device; a communication link for coupling the controller to said communication device for the transmission of said information there between; said communication device being further adapted to receive additional transactional information; wherein said sensor reads said information stored on said payment device, the controller converts said information read by said sensor into a format suitable for transmission to said communication device and transmits said information via the communication link to said communication device, said communication device converts said information and said additional transactional information into a format suitable for transmission to the remote transaction server for processing a commercial transaction.

Metadata:
- Claim Count in Document: 53.0
- Percentile: 93.0
- Lexical Diversity: 2.77922
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15784578', '15434262', '13162001', '13283314', '13239512']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6059012179324512
- 35 USC 102 Novelty (BERT): 0.5458911659716924
- Combined Prediction Score: 0.5999002127363754
- Mean Citation Score: 399.524578
- Max Citation Score: 419.5894
- Similarity Product: 387.8354671046735

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

Dataset: test